It mostly depends on where you live or actually which region is your phone for. It can be Middle East, North America, South America, Europe, etc. The time that updates are realeased is different in different regions.
First of all I used many Samsung watches models like, Active2 , watch4 . .All of them are support Samsung pay and they are pre installed in the watch no need to download.From any screen in Samsung Watch, press and hold the Back button for 1–2 seconds...