How Safe Is Samsung Pay


Is Samsung Pay Safe to Use?

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What is Samsung Pay and how does it work?

Samsung Pay eliminates the need for traditional credit and debit cards by processing transactions through the use of near-field communication (NFC) and magnetic secure transmission (MST) technology. Samsung Pay’s usage of NFC brings it in line with other mobile payment apps, but it goes a step further in terms of assuring that payments are really accepted. The most significant distinction between Samsung Pay and other contactless payment applications is the usage of a single MST for each transaction, which is unique to Samsung Pay.

This magnetic signal is similar to the one found on your credit or debit card.

The supplier isn’t even required to upgrade gear or participate in a marketing scheme.

Why Samsung Pay is more secure than using your card

Using Samsung Pay may make your information more susceptible, and you’re not alone in your concern that this may happen. However, the notion that mobile wallet solutions such as Samsung Pay are in any way less secure than using a conventional credit card is a fallacious assumption. In fact, using a mobile wallet to pay is often more secure than swiping a credit card. This is due to the fact that Samsung Pay does not save any of your personal or financial information on your smartphone itself.

  1. When you make a purchase, two pieces of information are given to the payment terminal: a 16-digit token, also known as a virtual card number, which reflects your real credit card number, and a one-time code created by your phone’s encryption key, which is unique to each transaction.
  2. When you contrast this with the simple act of inputting your credit card data into an internet purchasing platform, it becomes clear why mobile wallets are so secure.
  3. It is necessary for Samsung Pay to operate properly that you provide extra authorisation such as your fingerprint, personal identification number (PIN), or iris scan.
  4. Using Samsung’s “Find My Mobile” feature, you may remotely lock or erase stored information, providing an additional degree of safety for your device.
  5. If purchases are made without your authorization, the fraud protection advantages provided by your bank or credit card will apply to transactions conducted with Samsung Pay as well.

The finest credit cards are those that provide 0% responsibility for fraud. This assurance alone may provide you with the peace of mind you’ve been searching for in order to make the jump to the mobile payment lifestyle.

How to keep your information safe while using Samsung Pay

No matter what app or gadget you are using, you should always take precautions to keep yourself safe from credit card theft on your own dime. Starting with your phone, enable two-factor authentication to provide an additional degree of protection. Remember to sign up for the “Find My Mobile” service ahead of time so that you may remotely delete your data if your phone is lost or stolen. To avoid accidentally entering incorrect card information, make sure you are connected to your own password-protected private wifi network before proceeding with the process.

The use of Samsung Pay makes leaving your wallet and credit cards at home a safe and dependable solution.

Always take extra precautions to keep your information safe, and report any fraudulent charges as soon as they are discovered.

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Everything you need to know about Samsung Pay

CNET photo by Lexy Savvides Payments made using your phone at places where you would typically use a physical credit or debit card are made simple with Samsung Pay. To make a contactless payment, all you have to do is touch your phone or watch on the reader. Samsung Pay has one important feature that competitors such as Apple Pay and Google Pay do not have. Said to be MST, or magnetic secure transmission, Samsung Pay may be used practically anyplace you pay for products – including older terminals that haven’t been upgraded to accept contactless payments.

Continue reading to learn everything there is to know about Samsung Pay.

Samsung Pay is available in 29 countries worldwide

Let’s take a deep breath and count down from one to ten: the United States; the United Kingdom; Australia; Belarus; Brazil; Canada; China; France; Germany; Hong Kong; India; Indonesia; Italy; Kazakhstan; Kuwait; Malaysia; Mexico; Puerto Rico; Russia; Singapore; South Africa; South Korea; Spain; Sweden; Switzerland; Taiwan; Thailand; UAE; and Vietnam. Currently playing: Keep an eye out for this: Samsung Pay’s most useful feature on the Galaxy has been removed. 6:41

Which phone, bank, card and carrier do I need?

Samsung Pay is compatible with Galaxy smartphones, ranging from the most recentGalaxy S21 Ultraall the way back to theGalaxy Note 5($670 at Amazon), which was released in 2015. It’s also accessible on a number of smartwatches, including the Galaxy Watch 3, Galaxy Watch Active($150 at Amazon)2, Gear S2($349 at Amazon) (only for transactions on NFC terminals), Gear S3, and Gear Sport (all available at Amazon).

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Get professional advice on how to use your phone, computer, smart home devices, and other devices. Tuesdays and Thursdays are the days for delivery. Samsung Pay is supported by all major carriers in the United States, including AT T, Cricket, MetroPCS, Sprint, T-Mobile, Verizon, and US Cellular. You will also require a credit card such as a Visa, MasterCard, Discover, or American Express. See the chart below for a complete list of the banks and credit cards that are accepted.

Users of Samsung Pay may also apply for a debit card called Samsung Money, which is offered in collaboration with personal finance provider SoFi. More information may be found at: Samsung Pay used to be one of my favorite apps. But now I’ve changed my mind and haven’t looked back.

Where can I use Samsung Pay?

With regard to point-of-sale systems, Samsung says that their system will operate with practically all of them, including NFC, magnetic stripe, and EMV (Europay, MasterCard, Visa) terminals for chip-based cards. Most readers that need you to physically enter your card into a slot, such as those seen at gas stations or on ATMs, will not function with this kind of authentication. When I used Samsung Pay in several establishments across San Francisco, I discovered that it was accepted practically everywhere I went.

It is possible that you will be required to sign a receipt for the transaction.

If you use Samsung Pay within specific Samsung applications, you may make purchases without having to enter any payment details or credit card information.

How do I set up Samsung Pay?

With regard to point-of-sale systems, Samsung says that their system will operate with virtually all of them, including NFC, magnetic stripe, and EMV (Europay, MasterCard, and Visa) terminals for chip-based cards. The majority of readers, such as those seen at gas stations and ATMs, need you to physically enter your card into a slot before they can accept it. Samsung Pay was accepted virtually everywhere I used it at stores in San Francisco, which surprised me. These included suppliers that used Square readers, NFC terminals in big chain businesses such as Trader Joe’s and Walgreen’s, and magnetic stripe readers in smaller stores, among other things.

Various public transportation systems across the world, notably the MTA’s OMNY system in New York City and the TriMet system in Portland, accept Samsung Pay as a payment method.

How does Samsung Pay work?

Samsung Pay operates on the basis of two technologies that allow it to be used virtually everywhere. The first is near-field communication (NFC), which allows users to touch their phones to pay at contactless terminals. It is also possible to use magnetic secure transmission (MST) for older terminals that would ordinarily need you to swipe a card. The phone generates a magnetic signal to replicate the magnetic strip seen on the back of a credit or debit card when it is placed against one of these scanners, and this signal is detected by the reader.

In the United States, future Galaxy phones produced after the Galaxy S21 will no longer support Mountain Standard Time (MST).

Even while future Galaxy smartphones will no longer have magnetic stripe technology (MST), consumers who have previously purchased and are still using compatible Galaxy devices will be able to continue to use Samsung Pay, which will include MST “CNET was provided with a statement from Samsung.

Those who own phones that were introduced in 2020 or before, such as the S20 FE, Note 20 Ultra, or Z Fold 2, will continue to be able to use MST in Samsung Pay. Samsung Pay is compatible with earlier Galaxy phones, such as the Note 5. CNET photo by Lexy Savvides

How do I make a payment with Samsung Pay?

Swipe up from the little Samsung Pay bar on the lock screen to access the Samsung Pay app. Select the card you wish to use for payment, then verify your identity by placing your finger on the fingerprint scanner, using the iris scanner, or entering your PIN. Tap the back of the phone against the payment terminal to complete the transaction. A transaction notice will appear at the top of the screen after a transaction is completed. CNET photo by Lexy Savvides You may still be required to enter the PIN for your debit card on the terminal if you are using Samsung Pay with a debit card.

It’s also mentioned in the Samsung Pay app, which is convenient.

How does Samsung Pay differ from Apple Pay or Google Pay?

The primary distinction is that Samsung Pay is accepted practically wherever credit or debit cards are accepted, rather than simply at merchants who have tap-to-pay NFC terminals (as long as you own a Galaxy phone released before 2021 in the US). Samsung Pay also provides a cash back function, incentives such as bonus Samsung account points and coupons with a number of partner stores, and it is available in a variety of languages. Users of Chase Pay will be able to link their existing digital wallet to Samsung Pay.

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In addition, Samsung Pay allows you to make payments to other people.

Although Samsung will no longer award consumers Samsung Rewards points for every purchase as of January 2021, transactions conducted on, the Galaxy Store, and other Samsung purchases will continue to earn points until that date.

Samsung Pay vs. Apple Pay vs. Google Pay

Samsung Pay Apple Pay Google Pay
Compatible devices Samsung Galaxy phones since the Galaxy Note 5, Gear Watch and Gear Watch Active, Gear S2 and S3 Apple iPhones since the SE, Apple Watch, MacBook Pro with TouchID, iPads since 5th generation, iPad Pro and iPad Mini Android phones with NFC and HCE support running KitKat (4.4) or higher
Availability (see note below) 29 countries worldwide 60 countries worldwide 40 countries worldwide
Authentication Fingerprint, PIN or iris FaceID or fingerprint Fingerprint, PIN, pattern or password
Where can you use? Works with NFC, magnetic stripe or EMV terminals, in-app purchases Works with NFC terminals, in-app purchases and web purchases in Safari Works with NFC terminals and in-app purchases
Cards Credit, debit, loyalty and gift cards Credit, debit and loyalty cards Credit, debit, loyalty and gift cards
Which banks? Wide variety of banks:full list here; PayPal Wide variety of banks:full list here Wide variety of banks:full list here; PayPal

Is Samsung Pay secure?

Transactions are processed via tokenization, which means that Samsung Pay does not keep account or credit card numbers associated with cards on the device itself. When an individual purchases something, the phone sends two pieces of information to the payment terminal: one is a 16-digit token that represents the credit or debit card number, and the other is a one-time code or cryptogram generated by the phone’s encryption key, which is used to verify the transaction.

What if I lose my phone or my plastic card?

Payments cannot be processed from your phone unless you have approved it using your fingerprint, PIN, or iris scan. Registering with Samsung’s Find My Mobileservice gives you the ability to remotely wipe any information saved on your phone, including any cards stored in Samsung Pay, if you so choose. If you lose your actual credit or debit card and have contacted your bank to cancel it, you will not be able to use it within Samsung Pay for a period of time after you have notified your bank.

However, if your bank provides a new card, the app should produce a new account number for you immediately as well. Additionally, when you receive a new card, such as when your card’s expiration date is approaching, your digital card information will be immediately updated.

Can I use Samsung Pay even without a data connection?

While it is possible to make payments without using Wi-Fi or cellular data, the number of payments you may make is limited to ten. You will also require an active internet connection in order to add a card and to view your transaction history on the website.

What about when I travel overseas?

For consumers in the United States, if your card can be used internationally, it is probable that it will also function with Samsung Pay when traveling. The catch is that if you attempt to add a card while traveling outside of the United States, you may be required to contact your financial institution.

Does Samsung Pay also work for returns?

Yes. It is possible that you may be required to hold your phone against the payment terminal in the same manner as when you made the payment in order to complete the return. Additionally, you may be prompted to verify that the payment information on the receipt matches the last four digits of your virtual card number, which can be found in the Samsung Pay app, before proceeding.

r/GalaxyS9 – Is Samsung Pay safe?

It’s more secure than using your real credit card. Samsung Pay, like all other tap-to-pay systems, adds an additional layer of protection on top of the one provided by your credit or debit card. First and first, the card number that was transmitted was not your actual card number. When you add a card, your bank produces a virtual card number that they use to link your real card to the virtual card number. This virtual card contains the only card number that your phone is aware of. Aside from your bank, which is where the virtual card is attached, your real card number (except from the last four numbers for reference) will not be saved anywhere else.

  • Second, with each transaction, a one-time token is added to the card’s header information, which is used to identify the card.
  • These tokens are only valid for a single transaction and expire after a certain length of time if they are not used, necessitating the need to replenish them on a regular basis.
  • Your phone’s secure element stores these tokens, which are only available through Samsung Pay.
  • This implies that even if your virtual card number were stolen, it would be entirely useless to the criminal since it would be illegible.
  • They are far and away the safest method of payment compared to any other.

What is Samsung Pay, how does it work, and which banks support it?

(Pocket-lint) – a piece of lint found in a pocket. Samsung Pay is a mobile payment system that is comparable to Apple Pay and Google Pay. You may pay for products and services by tapping your Samsung device near a contactless payment terminal or authorizing an online payment, rather than by using cash or credit cards.

It is available for Samsung devices, including smartphones and wearables. Here’s all you need to know about the service, including which banks are supported and how it operates.

What do I need for Samsung Pay?

Devices from Samsung’s Galaxy line, which includes smartphones and wearables, are pre-installed with the Samsung Pay platform. The complete list of supported devices may be seen at the bottom of this page. It is required that you first download and install the Samsung Pay software on your compatible phone, then register any suitable cards or accounts with the platform, after which the platform will take funds straight from your chosen sources when you make a payment.

What devices are compatible with Samsung Pay?

The following is a list of Samsung smartphones that are compatible with Samsung Pay.

  • Galaxies Fold
  • Galaxies Z Flip
  • Galaxy S21
  • Galaxy S21 Ultra
  • Galaxy S21+
  • Galaxy S20
  • Galaxy S20+
  • Galaxy S20 Ultra
  • Galaxy Note 20
  • Galaxy Note 20 Ultra
  • Galaxies A70s, Galaxies A71, Galaxies A51
  • Galaxy Note 10
  • Galaxy Note 10+
  • Galaxies A70
  • Galaxies A80
  • Galaxies A30s, Galaxies A50s
  • Galaxies A30s,

The following is the most recent list of Samsung wearables that are compatible with Samsung Pay:

  • Watches: Galaxy Watch Active, Galaxy Watch Active2 40mm, Galaxy Watch Active2 44mm, Galaxy Watch3 42mm, Galaxy Watch3 45mm, Gear S2 and Gear S3. Watches: Galaxy Watch, Galaxy Watch Active, Galaxy Watch Active2 40mm, Galaxy Watch Active2 44mm, Galaxy Watch Active3 42mm, Galaxy Watch3 45mm, Gear S2 and Gear S3.

Watches: Galaxy Watch Active, Galaxy Watch Active2 40mm, Galaxy Watch Active2 44mm, Galaxy Watch3 42mm, Galaxy Watch3 45mm, Gear S2 and Gear S3. Watches: Galaxy Watch, Galaxy Watch Active, Galaxy Watch Active2 40mm, Galaxy Watch Active2 44mm, Galaxy Watch Active3 42mm, Galaxy Watch3 45mm, Gear S2 and Gear S3 (all models). Watches: Gear S2 and Gear S3.

How does Samsung Pay work?

When using a phone, you may access the Samsung Pay app by swiping up from the bottom of the screen. Your default card will show, along with a notification asking you to validate the payment using your PIN, fingerprint, or iris scanner on compatible devices. By just launching the app, you may now access Samsung Pay. If a different card is required, a simple left or right swipe will bring up a list of the cards that are currently saved on your smartphone. When you launch the app for the first time, the last card you used will automatically show as the default card, but you may alter this in the settings menu.

A payment is processed using NFC technology (near field communication).

The wristwatch will display the last card that was used, and it will then be ready to make a payment.

Samsung Pay: More than NFC

In certain countries, such as the United States, Samsung Pay goes beyond NFC by including a mobile wallet technology known as MST (Magnetic Strip Technology), which the company acquired when it purchased LoopPay. MST enables contactless payments to be made at terminals that do not have NFC readers (most of which are located outside of the United Kingdom), hence expanding the number of merchants that may accept the payment technology. Also possible is the transmission of payment information to traditional terminals in stores that still use the old-fashioned magnetic strip for payments.

Due to the fact that the phone would prioritize an NFC signal if one is detected, there is no risk of paying twice. MST, on the other hand, is passive and will only be used if no other contactless payment signal is detected first.

What banks are compatible with Samsung Pay?

Here are a few examples of banks and services that are compatible with Samsung Pay in the United States:

  • Visa, Mastercard, American Express, JP Morgan Chase, Bank of America, Citi, US Bank, PNC, and Chase are all accepted.

Click here for a comprehensive list of other providers in the United States.The following are some of the compatible banks and services that Samsung Pay supports in the United Kingdom:

  • American Express, Danske Bank, Santander, MBNA, Nationwide, HSBC, First Direct, M S Bank, Co-op Bank, Starling Bank, and John Lewis Finance are among the financial institutions participating in the competition.

For a complete list of suppliers in the United Kingdom, please visit this page. With this Curve MastercardByPocket-lint, you may earn and redeem rewards and bonuses on all of your current credit and debit cards. Promotion on an international scale Every time you make a payment, this ingenious technique will save you time and effort. Pocket-lint

What are the payment limits on Samsung Pay?

For a complete list of service providers in the United Kingdom, please visit this page: With this Curve MastercardByPocket-lint, you may stack rewards and advantages on all of your current cards. Promotion on a global scale. Every time you make a payment, this ingenious technique will save you time and energy. Pocket-lint

How secure is Samsung Pay?

In terms of security, Samsung Pay details are safeguarded by Samsung’s Knox real-time hacker surveillance and rooting prevention technology, and no card information is saved on either a Samsung server or the Samsung Pay device. Samsung Pay employs tokenization in the same way that Apple Pay does. Card payments are made more secure by generating a unique number or token that is used in place of your card information. In your device, this token is saved within a secure element chip, and when a payment is initiated, the token is transferred on to the retailer or merchant.

In addition, Samsung Pay has ARM TrustZone, which helps to safeguard transaction information from being compromised.

Luke Baker was in charge of the editing.

How secure is Samsung Pay?

You may be assured knowing that you will be able to keep track of all of your purchases. As soon as you complete a purchase, you’ll receive a payment confirmation that reveals the precise location where the transaction took place, as well as the name and phone number of the merchant. As a result, any questionable activity may be easily identified. Your purchases and credit card information are completely safe. Every transaction with Samsung Pay necessitates the use of an authentication code. Also of note, Samsung does not retain any of your payment information on their systems, and your account information is never saved on your phone or shared with merchants in any way.

When you first set up Samsung Pay, you’ll need to choose an authentication method that will allow you to authorize payments (either a PIN or biometrics identifier e.g.

fingerprint). If you misplace your phone, you will have better peace of mind. You may utilize Samsung’sFind My Mobileservice if your phone is ever lost or stolen, and you can lock your phone from anywhere at any time, create a new password for it, or even wipe all of your personal information.

Samsung Pay vs Google Pay: Which Is Best in 2021?

Image courtesy of Gece33 through Getty Images and Istockphoto. Near field communication, or NFC, technology is what allows you to make contactless purchases at the shop using your smartphone, and it has quickly become one of the most popular payment methods in the world. You may purchase almost any goods or service with a single click of a button. Several digital wallet systems, such as Samsung Pay and Google Pay, are now available that make use of NFC technology. But which of them is a better option: Samsung Pay or Google Pay in this case?

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Choosing the most appropriate mobile payment application might be a difficult undertaking.

Samsung Pay

Samsung Pay is pre-installed as the default app on all of Samsung’s most recent handsets. It is able to conduct NFC transactions because of the Magnetic Secure Transmission technology, which sends magnetic stripe data from your card to non-NFC terminals. Samsung, on the other hand, has stopped MST functionality for the S21 Samsung series phones in the United States. Samsung Pay is a popular payment method for millions of users because of the simple swipe-up gesture payments. In addition, switching cards on Samsung Pay is a simple process.

What Samsung Pay Offers

In addition, Samsung Pay accepts membership, rewards, loyalty, and gift cards as payment methods. By linking your PayPalaccount to Samsung Pay, you will be able to make in-store transactions. You’ll also be eligible for a limitless number of special offers, promotions, and discounts. Furthermore, you have the opportunity to personalize your Samsung Pay account alerts settings in order to filter out spammy offers and bargains that appear in your inbox. One of the major drawbacks of the Samsung payment platform is the large number of pop-up notifications that appear on the screen.

In contrast, sellers have the ability to set their own restrictions on the quantities that can be used during transactions.


  • In addition, Samsung Pay accepts membership, rewards, loyalty, and gift cards as payment methods using Samsung Pay. By linking your PayPalaccount to Samsung Pay, you will be able to make purchases in-store. Aside from that, you’ll be eligible for a limitless number of promotional offers and discounts. Furthermore, you have the opportunity to personalize your Samsung Pay account alerts settings in order to block out spammy offers and bargains that may be sent to you. One of the major drawbacks of the Samsung payment platform is the large number of pop-up notifications that appear. The amount you may transact with Samsung Pay is also completely unrestricted – you can transact using the app for as little or as much as you choose. When it comes to conducting transactions, sellers might put their own limitations on the quantities that can be used. Because you must have a Samsung phone in order to use Samsung Pay, non-Samsung users will be unable to take use of this mobile wallet.


In addition, Samsung Pay accepts membership, rewards, loyalty, and gift cards as payment options. By linking your PayPalaccount to Samsung Pay, you will be able to make in-store transactions. You’ll also be eligible for a slew of exclusive offers, promotions, and discounts. Furthermore, you have the opportunity to personalize your Samsung Pay account alerts settings in order to block out spammy promotions and bargains. One of the major drawbacks of the Samsung payment platform is the large number of pop-up notifications it generates.

In contrast, sellers have the authority to impose their own restrictions on the quantities that can be used in transactions. The most significant disadvantage of Samsung Pay is that it can only be used with a Samsung phone, which means that non-Samsung users are unable to use it.

Google Pay

Google Pay, formerly known as Android Pay, is a mobile payment app developed by Google that is intended for use with mobile payment providers. You may use it to pay for goods, receive payments, and even refund relatives and friends who have helped you out financially. This mobile wallet, similar to Samsung Pay, allows you to store your credit and debit cards. By linking your PayPal account to Google Pay, you will be able to make in-store purchases as well. The software is also compatible with iPhones running iOS 9 or later, as well as with a limited number of smartwatches.

What Google Pay Offers

The Google Pay wallet offers a fantastic user interface that makes it simple for customers to see all of their bonuses, deposits, and gift cards in one convenient location. The move by Google to accept Google Pay payments for transportation services in the United States and Europe has increased the popularity of this platform even more. This digital wallet also provides you with greater convenience, which is very useful if you travel frequently. Google Pay is currently available in well over 40 countries across the world.

The most crucial aspect of Google Pay is the level of protection it provides.

Your information is destroyed relatively immediately once you have completed your payments.

Google Play’s Security

Fingerprint scanning and face recognition are among the advanced security features available on Google Play, which helps to keep your information safe. With these security safeguards in place, hackers and other third parties will have a difficult time obtaining access to your confidential financial information. Google Pay includes transaction restrictions for the amounts you may send, receive, and transfer in three different ways: sending, receiving, and transferring payments. The amount of money you may spend each week may be reduced if you have not validated your identity.


  • The app is available for both Android and iOS devices. Connect your mobile wallet account to your PayPal account. Families and friends should be compensated.


  • Customers who use Apple products will not be allowed to make in-store transactions.

Samsung Pay vs. Google Pay: Similarities

Despite their differences, Samsung Pay and Google Pay share a number of characteristics in common. For example, the platforms are available to users of both Android and iOS devices. You can make contactless payments if your Android smartphone is NFC-enabled. Another commonality is the beautifully designed wallets for both Google Pay and Samsung Pay, which are also available for download. The wallets on both mobile payment apps are simple to use and allow you to easily access information such as your verified credit and debit card information, boarding cards, and loyalty cards.

Additionally, both payment platforms have made it possible for users to send money easily to their families and friends, as long as they have a verified NFC account.Finally, both payment platforms are widely accepted by many of the most important online retailers.

Which Should You Choose?

When it comes to determining which mobile payment app is the finest, the decision is totally up to you. If you don’t already own a Samsung phone, Samsung Pay should be enough of a motivation to upgrade your device. Google Pay, which works with all Android devices, including Samsung phones and certain iPhones, might be a wonderful option because it is widely available. Despite the fact that Samsung Pay has a competitive advantage over Google Pay owing to its MST technology, Samsung has lately discontinued the technology in its current smartphones.

The most safe and comprehensive alternative to Samsung Pay is the Google Pay app, which is also available on Android devices.

Furthermore, Google Pay is far more secure than its primary competitor, Samsung Pay.


The finest mobile payment app for you will be determined by your requirements, and at the end of the day, the decision is yours to make. If you use a Samsung device and travel frequently, Samsung Pay is most likely the best option for you. Google Pay, on the other hand, is a fantastic solution for Android and iOS customers who want an app that they can use to send money to family and friends. From 2017 till now, Lydia Kibet has worked as a professional writer. It is evident in the professional industry coverage she delivers in the areas of personal finance, investment, and healthcare that she is passionate about assisting companies in all parts of content marketing.

Reading, playing guitar, and spending time in nature are some of her favorite pastimes when she’s not writing.

Samsung Pay Review

In a number of respects, Samsung Pay has outperformed its payment app competitors from Apple and Google in the innovation department. With its rewards program, it was the first to market. It is also the only app that allows you to pay at non-NFC magnetic credit card terminals—though this is becoming less of an issue these days. It now includes Samsung Money by SoFi, a no-fee cash management account that earns interest. This is the app’s latest update. In addition to NFC payments, loyalty programs, and Visa Checkout online, Samsung Pay provides a variety of other services.

Setting Up Samsung Pay

The software and service are compatible with the vast majority of current Samsung smartphones, dating back to the Galaxy S6. In fact, it comes pre-installed on a large number of Samsung smartphones. I installed it on a Samsung Galaxy Note 8, which required the creation of a Samsung account and PIN. Adding a credit or debit card is as simple as framing the card in the camera rectangle that displays when you select to add a card and then entering the card’s expiration date, CVV number, and ZIP code in the appropriate fields.

As part of the setup process, I had to phone my bank to obtain authorization; however, this varies depending on how your bank’s security is configured; other banks only require a text message or email verification.

(See our editorial mission for more information.) The first payment card you input is automatically designated as a Favorite Card; however, if you have numerous payment cards registered, you must select a Favorite Card from among them.

With a number of tabs and areas for specials and buttons across the bottom of the screen, Samsung Pay’s design is a little more crowded than the design of other payment apps I’ve tested. However, when you’re paying at a store or restaurant, this isn’t much of an issue.

Paying With Samsung Pay

When I wanted to put Samsung Pay through its paces, I went to my favorite local premium coffee shop, which accepts payments using a Square point of sale system connected to an iPad. Because the gadget only accepts magnetic stripe credit cards and cash, it is not compatible with any other mobile payment method. Nothing occurred when I held my phone up to the card reader for 15 seconds, then I hit the Pay with Samsung Pay PIN button at the bottom of the screen, which activated the card reader. I had previously configured the program to accept payments in the form of irises, but this did not take effect.

  • Once I had entered my PIN, the payments were processed rather shortly after that.
  • It is not necessary to have your phone nearby and linked with the watch because it has its own LTE connectivity.
  • Samsung does, however, limit you to five transactions per day, with the count reset each time you establish a wireless connection.
  • Using my watch to pay was, in reality, a far more seamless experience than using my phone to make the transaction.
  • My cashier at a nearby Chinese restaurant was amazed since it was her first time witnessing someone pay with a wristwatch, and she expressed her delight.
  • This makes sense as a security measure: you wouldn’t want someone to be able to remove your watch from your wrist and begin accepting payments without your knowledge.
  • The service is safeguarded by Samsung Knox, which keeps an eye on the devices for any suspicious activity or activity patterns.

Samsung Money by SoFi

Previously, Samsung Pay was only reliant on connected debit cards for the actual monetary transactions that took place. Now that Samsung Money by SoFi is available, you may use Samsung Pay as your bank, with the service even paying interest. There is no charge for the service, which was developed in collaboration with MasterCard and SoFi. In addition, you’ll receive employee pricing on Samsung products—30 percent off, which may add up whether you’re purchasing a Galaxy Z Fold 2, a 98-inch QLED 8K TV (which sells for an eye-popping $60K), or even a large home appliance.

  1. Furthermore, according to the SoFi privacy policy, your information may be shared with “nonaffiliates,” which are firms that are not affiliated with SoFi and that wish to market to you.
  2. In reality, there are nine papers that you must agree to, however you may expedite the process by clicking on the Agree to All box.
  3. You’re advised that your Social Security number is safe and encrypted, and that signing up will have no impact on your credit rating.
  4. Following the creation of your account, you will get a physical card in the mail that you may use at ATMs that you can locate using the app.
  5. If you keep a balance of $500 in the account, you will get an annual percentage yield of 0.2 percent; if you have a balance of less than $500, you will receive an annual percentage yield of 0.01 percent.
  6. Samsung Rewards points are awarded for every dollar spent with Samsung Pay.
  7. Still, I haven’t seen this feature in any other payment applications, and if you have a connected credit card that awards points, you’re effectively earning points twice with Samsung Pay.
  8. You can purchase gift cards for stores and restaurants through the app’s Store feature, and it also has a Deals section where you can print coupons to use in the store.
  9. Things like airline frequent flier programs, store loyalty cards, and even standard gym memberships are examples of memberships you may add to your account.
  10. It is possible to use Samsung Pay not only in the United States but also in 17 other countries.

That’s an improvement than Venmo, which is only available in the United States, but it still falls short of PayPal’s more than 200 supported nations.

What You Don’t Get With Samsung Pay

Samsung Pay, in contrast to the majority of the other payment services I’ve tested (apart from Google Pay), does not allow you to transfer money to friends and contacts. You may pay using Apple Pay, Google Pay, PayPal, Square Cash, or Venmo, to name a few options. Currently, Samsung Pay is only applicable to purchases made through mobile devices. In fact, the service does not have any sort of online presence at all. Apple Pay, Google Pay, PayPal, Venmo, and Square Cash, on the other hand, all allow you to make payments using your computer browser.

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The Best Way to Pay?

Apple Pay and Google Pay are only compatible with point-of-sale devices that are equipped with NFC technology, but Samsung Pay is compatible with both magnetic card readers and NFC devices. However, purchasing using it is not as seamless as buying with Apple Pay or Google Pay, and magnetic stripe card readers are no longer the standard in most places. Samsung Pay does not allow you to pay pals, as you do with other payment applications, but it does allow you to participate in a variety of retailer loyalty programs, add gift cards, and earn Samsung reward points.

You’re restricted to only one hardware manufacturer, much like with Apple Pay.

The Bottom Line

Samsung Pay is the only service that allows you to use your phone to pay at any point of sale that takes credit cards, and it is currently the only one available. You will not be able to use it to make payments to your pals, though. /strong>Laboratory Report to receive the most recent product reviews and expert product tips sent directly to your email. , The first publication was made at: 2021-09-30T21:24:30.000000Z, the second publication was made at: 2021-09-30T21:24:30.000000Z, the last publication was made at: 2021-09-30T21:24:08000000Z, the creation was made at:null, and the last publication was made at: 2021-09-30T21:24:08000000Z.

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How safe is Samsung Pay?

With the debut of Samsung Pay in South Africa, customers of Absa and Standard Bank will be able to pay for purchases at almost every credit card machine in the nation using their smartphones. One feature that distinguishes Samsung Pay from comparable mobile payment applications is that it does not necessitate the use of special equipment or the use of near field communications technology (NFC), which enables contactless “tap-and-go” payments with standard chip cards. The app does support near-field communication (NFC) and prefers to utilize it when it is available; but, it also supports a method known as magnetic secure transmission (MST), which uses magnetic fields to simulate the swipe of a card on a payment terminal.

Because your phone is transferring your card information to the card machine wirelessly, the natural reaction of most individuals is to wonder if it is secure.

To guarantee that your card information is kept safe at all times, Samsung has taken a number of precautions, beginning with how it is stored on your phone and continuing with how it is eventually delivered to the card machine when making a purchase.

Your card information is not stored

When you connect your credit or debit card to Samsung Pay, your smartphone encrypts the information before transferring it to Samsung’s servers for processing. After that, it is forwarded to the network of the card issuer for verification. In order for your card to be confirmed for usage with Samsung Pay, your bank will provide you a one-time PIN that must be entered. This prevents cards that have been stolen or lost from being fraudulently added to the app. The 16-digit main account number (PAN) displayed on your card is replaced by a token PAN, also known as a digitised PAN, once you have authorized your card.

Even if an attacker is successful in stealing the card information stored in Samsung Pay, your actual credit card information is kept secure.

This procedure is carried out each time you add a payment card to your account.

More information about this may be found on the tokenisation page of Samsung’s developer website.

Secure payments

The Samsung Pay app will verify that you have at least a PIN set up to prevent unauthorised use of your card before you can proceed with the process. Additionally, you may enable fingerprint or iris scanning to unlock Samsung Pay while making a payment when using Samsung Pay. Once you have unlocked Samsung Pay, the phone will begin to pulse in your palm, indicating that it is now communicating your tokenised card data to the Samsung Pay network. Upon reaching 30 seconds or if a successful scan from the card machine is detected, it will automatically shut down and exit the program.

In this case, cloud-based key management is used, in which a number of single-use keys are saved on your device and are spent each time you conduct a financial transaction.

The trusted execution environment (TEE) key management feature of Samsung Pay is also available.

More information on the processing of Samsung Pay tokens may be found on the company’s developer page.

Lost or stolen smartphone

The ability to remotely lock or wipe your Samsung Pay credentials from your smartphone is available in the event that your smartphone is lost or stolen. Apart from that, you have the option of attempting to find your smartphone and wiping it clean of any personal information saved on it, including your Samsung Pay data.

Google Pay vs. Samsung Pay: Which tap to pay system is best?

NFC payments originally appeared on Android in 2011, with a device known as the Nexus S 4G, which was a complete and utter catastrophe. Because carriers had their fingers in every pie at the time, this WiMAX4G phone was the only one that could accept NFC payments at the time. Fortunately, things aren’t quite as restricted any longer. It is possible to perform contactless payments with any Android phone that has an NFC chip, however you may have more than one choice depending on your phone. If you use a Samsung phone, you have the option of using either the company’s own payment mechanism or Google Pay.

However, while both applications provide the same fundamental NFC payment capability, there are major distinctions in their ease of use and in the apps themselves that are worth noting. Here’s how to determine which one is the most appropriate for you.

Google Pay

If you have an Android phone, you may make use of Google Pay, which just received an entirely new app that includes reward functionality. You will, however, require NFC in order to conduct mobile payments using the app. There are still some inexpensive phones that do not have an NFC chip (such as the Moto G, which is weird), but the vast majority of phones have. If you are able to click that box, utilizing Google Pay is straightforward. You must have a secure lock screen or biometrics such as fingerprint scanning set up on your smartphone, but there are several reasons why you should do so regardless of whether or not you use mobile payment technology.

  • In comparison to Samsung Pay, the setup procedure and the app itself are quicker and less irritating.
  • The majority of the new banks that are being introduced these days are smaller local networks and credit unions, and the number of new banks is growing all the time.
  • In addition to credit cards, Google Pay accepts membership cards, gift cards, and even transport passes in a select locations.
  • The most significant disadvantage of Google Pay is that it can only be used in stores where the payment terminals have NFC capabilities activated.
  • The good news is that NFC-enabled terminals will often recognize your card without the need for any additional button pushes or PIN numbers on your part.
  • The use of NFC payments is quite safe, despite what you may have heard.
  • This is not just due to the additional authentication layer, but also due to the fact that your genuine credit card number is not saved on your phone at all when you utilize NFC payments.
  • This makes it far more difficult to expose your real card number at the point of sale.

Samsung Pay

You will, of course, require a Samsung phone in order to utilize Samsung Pay. Perhaps you already have one, or perhaps you’re considering purchasing one, and Samsung Pay appears to be a compelling selling point for you. MST (Magnetic Secure Transmission) is a technique used by older Samsung phones, which allows you to push the magnetic stripe data from your card to non-NFC terminals. The S21 series, however, does not support MST, and I wouldn’t hold your breath for future support. Samsung has moved away from this position; the S21 series no longer supports MST in the United States.

  1. Gallery of Photographs (1 Images) With a swipe-up motion from the lock screen or home screen, you may make a payment after adding your card (Samsung Pay accepts almost as many cards as Google Pay does).
  2. When opposed to Google, Samsung requires an additional security step before processing a payment.
  3. Samsung Pay, like Google Pay, accepts gift and membership cards as payment methods.
  4. Most of the shops providing discounts on the app are unlikely to be of interest to you, and Samsung even sends out promotional messages from time to time.

Despite the fact that you can turn off the numerous offer and partner notification channels, the app itself still has what amounts to advertisements throughout, much like the recently updated Google Pay app.

Which should you use?

Gallery of Photographs (1 Images) It is not a compelling argument to purchase an Android phone if you do not already own a Samsung device. Because of the widespread usage of NFC technology, you’ll have lots of opportunities to utilize Google Pay, and Samsung has removed the MST technology from its most recent smartphones. Even with its latest revamp, the Google Pay app has become more user-friendly and pleasurable to use. Even if you own a Samsung smartphone, Samsung Pay may not be a worthwhile investment of your time.

Simply holding down the power button for a lengthy period of time will get you access to all of your verified cards, among other things.

Google Messages RCS Chat: How to Enable, Disable, and Make Use of It It’s probably past time for us to move on from the outdated SMS standard.

Ryan Whitwam is a writer and musician from the United Kingdom (7140 Articles Published) As a tech/science writer, skeptic, lover of all things electrical, and Android enthusiast, Ryan is well-versed in a variety of topics.

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