How to Use Fitbit Pay

Fitbit's contactless payment solution lets you leave your other devices at home

What to Know

  • With compatible Fitbit device nearby, tap Account icon > select device > tap Wallet tile. Add payment card info.
  • To pay with Fitbit at a register, press and hold left button on device for 2 seconds. Hold wrist near register.

This article explains how to set up and use Fitbit Pay, a mobile payment system similar to Apple Pay, Google Pay, and Samsung Pay. Fitbit Pay works only with the company’s smartwatches and fitness bands, not smartphones.

Setting Up Fitbit Pay

To set up Fitbit Pay, follow these instructions:

  1. To use Fitbit Pay, you need a compatible Fitbit device, which includes the Ionic and Versa smartwatches and the Charge 3 fitness band. Make sure the device is nearby when you're ready to begin set up.

  2. Tap the Account icon in the top-left corner of the screen.

  3. Select your device.

  4. Tap the Wallet tile.

    The Wallet tile in the Fitbit app
  5. Follow the on-screen instructions to add a payment card.

    You can add up to six cards to the Wallet (five for Charge 3), and set one as the default payment option.

  6. The first time you add a card to Fitbit Pay, you’ll also be prompted to set a 4-digit PIN code for your device. You’ll also need to have an unlock passcode for your phone.

    Setting a PIN on a Fitbit
  7. Next, follow the on-screen instructions to enable phone notifications.

Fitbit Pay works with any retailer that accepts contactless payments. It also works with major credit and debit cards from dozens of banks and card issuers. For a list of participating banks and countries, click here.

Changing the Default Payment Card

During setup, you must choose a default card, but you can change that at any time.

  1. Tap the Account icon in the top left.

  2. Select your device.

  3. Tap the Wallet tile.

    The Wallet tile in the Fitbit app
  4. Find the card you want to set as the default option.

  5. Tap Set as Default.

You can store as many as six credit cards in your Fitbit Wallet.

Paying With Your Fitbit

Once you’ve set up Fitbit Pay, you can use it whether you have your smartphone on hand or not. So if you’re out taking a job and need refreshments or a snack, you can leave your phone at home.

To pay with your Fitbit:

  1. At the register, press and hold the left button on your device for two seconds.

    Fitbit Ionic smartwatch showing payment screen.
  2. Swipe to the Payments screen if it doesn’t pop up.

  3. If prompted, enter your 4-digit PIN code. Your default card appears on the screen.

  4. To pay with your default card, hold your wrist near the payment terminal.

  5. To pay with a different card: swipe up on Ionic and Versa, or tap the Charge 3’s screen, to find the card you want to use. Then hold your wrist near the payment terminal.

  6. When the payment is complete, your device vibrates, and there’s a confirmation message on the screen.

    Fitbit Charge 3 fitness band with payment screen.

Are you having trouble using Fitbit Pay? Make sure the device screen is close to the reader and tell the cashier that you’re using a mobile payment. If you still can’t get it to work, try changing the default payment card, or calling your bank.

How Does Fitbit Pay Compare to the Competition?

Fitbit Pay is most similar to Apple Pay and Google Pay in that it works any place that accepts contactless payments. Samsung Pay sets itself apart since it has technology that makes it compatible with any retailer that takes credit cards.

However, while Apple Pay works on iPhones, Google Pay on Android smartphones, and Samsung Pay on Samsung phones, Fitbit Pay is available only on the wrist. Apple Pay and Google Pay also have the option to send money to friends, just like you can with Venmo. You can even use Google Assistant or Siri to make peer-to-peer payments, such as “Pay Janet $12” or “Send money to Johnny.”

The other difference is that Fitbit Pay stores only credit or debit cards. Apple, Google, and Samsung Pay each allow you to store loyalty, membership, rewards, and gift cards in your digital wallet. In some areas, you can also store transit passes. In other words, Fitbit Pay’s three main competitors can store most of the cards in your physical wallet.

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