@Dinno101 - No, my watch was reset and had no apps on it. After I installed Galaxy Wearable, I launched Samsung Pay from there and it installed it on the watch (and appeared in Apps on phone). On Samsung devices in Apps you can see you will have Samsung Pay (phone), Samsung Pay (Watch Plug-in) (Gear), Samsung Pay Framework (phone). @dbvirago - the catch is that Galaxy Wearable is like a container - it holds several apps (Pay, Health, etc.) and installs them on the gear only when they are launched. It installs them by downloading the software from the Samsung servers (the apk that you installed from apkmirror). I would expect that the update rate of things on Samsung servers is faster than the one from apkmirror. I think the app downloaded the right one and installed in background.
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