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Samsung Pay: everything you need to know (FAQ)



Mobile wallets such as Samsung Pay make it easy to jump into the world of contactless payments. Just tap on your phone (or watch) to pay, without transferring your physical credit or debit card. Apple Pay and Google Pay also offer contactless payment options, but what sets Samsung Pay apart from its rivals is that it works almost everywhere what you pay for ̵

1; even with older terminals that & # 39 ; updated to work with Apple Pay or Google Pay.

Where is Samsung Pay available?

It is currently available in 27 countries around the world (deep breath): USA, UK, Australia, Belarus, Brazil, Canada, China, France, Hong Kong, India, Indonesia, Italy, Kazakhstan, Malaysia, Mexico, Puerto Rico, Russia, Singapore, South Africa, South Korea, Spain, Sweden, Switzerland, Taiwan, Thailand, United Arab Emirates and Vietnam.

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Which telephone, bank, card and courier do I need?

Samsung Pay works with Galaxy phones, from the latest Galaxy S20 Ultra all the way back to the 2015 Galaxy Note 5. It is also available on some smartwatches, including the Galaxy Watch ($ 259 at Walmart) Galaxy Watch Active ($ 159 at Walmart) 2, Gear S2 (for transactions on NFC terminals only), Gear S3 and Gear Sport.

All major carriers in the United States support Samsung Pay: AT&T, Cricket, MetroPCS, Sprint, T-Mobile, Verizon, and US Cellular. You also need a Visa, MasterCard, Discover or American Express card. See the full list of supported banks and cards in the table below.

Samsung Pay users can also apply for a new bank card from summer 2020. Samsung will offer the card in collaboration with personal financing company SoFi

Where can I use Samsung Pay?

Samsung claims that its system will work with almost all POS systems: NFC, magnetic strip and EMV terminals (Europay, MasterCard and Visa) for chip-based cards.

It generally does not work with readers that require you to physically insert your card into a slot, such as those at gas stations or ATMs.

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Lexy Savvides / CNET

Using Samsung Pay in stores in San Francisco, I discovered that it was accepted almost everywhere. These include suppliers who use Square readers; NFC terminals at major retail chains such as Trader Joe & # 39; s and Walgreens; and magnetic stripe readers in smaller stores. You may still need to sign a receipt for the transaction.

Samsung Pay also works on various public transportation systems around the world, including MTA's OMNY system in New York City and TriMet in Portland. You can also use Samsung Pay within certain Samsung apps to make purchases without entering credit card information.

How do I set it up?

Once the Samsung Pay app is installed, log in with your Samsung account if you have not already done so. The app asks you to register a PIN, fingerprint or iris scan if you have not set one yet. You can now add a credit, debit, gift or membership card by scanning it with the camera. You also have the option to add your PayPal account .

Check if the number, name and expiry date of the scanned cards are all correct. Samsung Pay verifies a credit or debit card with your bank, and you have the option to receive a text, email or call to confirm.

A total of 10 cards can be added to Samsung Pay.

How does it work?

Samsung Pay uses two technologies that allow it to work almost anywhere. The first is near-field communication (NFC) for tap-to-pay transactions on contactless terminals. The second is magnetic secure transmission (MST) for older terminals where you would normally swipe a card. The phone emits a magnetic signal to simulate the magnetic strip on the back of a credit or debit card when you hold the phone to one of these readers.

In 2015 Samsung acquired the mobile payment company LoopPay that developed the specific MST technology used for Samsung Pay.

  samsungpay-2.jpg "height =" 578 ​​"width =" 770 "data-original =" https://cnet1.cbsistatic.com/img/gUBIXgQb6tSN00sCInU1k3UdTY8=/770x578/2015/09/28/3dacbf6f -d268 -4e85-940d-70ade26ae872 / samsungpay-2.jpg

Samsung Pay works on older Galaxy phones like the Note 5.


Lexy Savvides / CNET

How do I pay with Samsung Pay?

From the lock screen, swipe up from the small Samsung Pay bar. Select the card you want to pay with and place your finger on the fingerprint scanner to verify, use the iris scan or enter your PIN. Tap the payment terminal with the back of the phone.

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You will see a transaction notification at the top of the screen.


Lexy Savvides / CNET

If you use a debit card via Samsung Pay, you may still need to enter the card PIN on the terminal. Once payment has been made, you will receive a notification confirming the name of the seller and the amount. It is also listed in the Samsung Pay app.

On a watch, press and hold the appropriate button to start Samsung Pay, then tap the watch against the terminal.

How is it different from Apple Pay or Google Pay?

The main difference is that Samsung Pay works in almost all stores that accept credit or debit cards, not just stores with NFC terminals that require payment. Samsung Pay also offers a cash back feature promotions including bonus Samsung account points and vouchers at a number of participating retailers. Chase Pay users can also link their existing digital wallet to Samsung Pay.

With Apple Pay and Google Pay, you can pay friends and family through Apple Cash through iMessage and Google Pay through Gmail, messages or the Google Assistant. You can also make peer-to-peer payments with Samsung Pay. However, you need to sign up for a prepaid debit card called Samsung Pay Cash and your friends or family will also need a Samsung Pay Cash account to receive money.

Samsung Pay vs. Apple Pay vs. Google Pay [19659043] 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 the 5th generation, iPad Pro and iPad Mini Android phones with NFC and HCE support with KitKat (4.4) or higher Availability (see note below) 27 countries worldwide 59 countries worldwide 30 countries worldwide Verification Fingerprint, PIN or iris FaceID or fingerprint Fingerprint, PIN, pattern, or password Where can you use? Works with NFC, magnetic strip 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 Maps Credit, debit, loyalty, and gift cards Credit, debit and customer 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 it safe?

Samsung Pay does not store the account or credit card numbers of cards on the device, but uses tokenization for transactions. Each time a purchase is made, the phone sends two data to the payment terminal: the first is a 16-digit token representing the credit or debit card number, while the second is a one-time code or cryptogram generated by the encryption key of the telephone.

What should I do if I lose my phone or my plastic card?

Payments cannot be made from your phone without authorization via fingerprint, PIN or iris scan. By registering with Samsung's Find My Mobile service, you can remotely erase information on the phone including all cards stored in Samsung Pay.

If you lose your physical credit or debit card, after you contact your bank to cancel it, you cannot use it within Samsung Pay for a certain period of time. But the app should automatically generate a new account number when your bank issues a new card.

Also, your digital map data is automatically updated when you receive a new card, such as when you near the expiry date. [19659002] Can I also use Samsung Pay without a data connection?

Yes, although you can only make 10 payments without the device having Wi-Fi or mobile data. You also need an active internet connection to add a card and access transaction history.

What about when I travel abroad?

For US customers, if you can use your card abroad, it probably works with Samsung Pay when you travel. The caveat is that if you try to add a card while traveling outside the US, you may need to contact your bank.

Does Samsung Pay also work for returns?

Yes. You may need to hold the phone against the payment terminal in the same way as with the payment to process the return. You may also be asked to match the payment details on the receipt with the last four digits of your virtual card number, which you can find in the Samsung Pay app.


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