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Home / Tips and Tricks / Samsung Pay: Everything You Need to Know (FAQ)

Samsung Pay: Everything You Need to Know (FAQ)



Mobile wallets like Samsung Pay make it easy to jump into the world of contactless payments. Simply tap your phone (or watch) to pay without submitting 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 anywhere you pay for things ̵

1; even on older terminals as a haven "T has been updated to work with Apple Pay or Google Pay.

Where is Samsung Pay Available?

There are currently 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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What phone, bank, card and carrier do I need?

Samsung Pay works with Galaxy phones, from the latest Galaxy S20 Ultra all the way back to Galaxy Note 5 ($ 180 on Amazon) from 2015. There are also some smart watches including Galaxy Watch ($ 259 at Walmart) Galaxy Watch Active ($ 159 at Walmart) 2, Gear S2 ($ 220 at Amazon) (for transactions only) on NFC terminals), Gear S3 and Gear Sport.

All major US operators 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 banks and cards supported in the chart below.

Samsung Pay users will also be able to apply for a new debit card as of summer 2020. Samsung will offer the card in collaboration with personal finance company SoFi.

Where can I use Samsung Pay?

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

It usually does not work with readers where you need to physically put your card in a slot, such as those at gas stations or ATMs.

  samsungpay-boa.jpg

Lexy Savvides / CNET

With Samsung Pay in stores around San Francisco, I found that it was accepted almost everywhere. These included vendors using Square readers; NFC terminals at major chain retailers such as Trader Joe & # 39; s and Walgreens; and magnetic strips in smaller stores. You may still have to sign a receipt for the transaction.

Samsung Pay is also working on various public transport systems worldwide, including MTA's OMNY system in New York and Portland's TriMet. You can also use Samsung Pay in some Samsung apps to make purchases without having to enter credit card information.

How do I set it?

Once the Samsung Pay app is installed, sign in with your Samsung account if you haven't already. The app asks you to register a PIN, fingerprint or iris scan if you do not already have a setting. You can now add a credit, debit, gift or membership card by scanning it with the camera. You also have the option to add to your PayPal account .

Check that the number, name and expiration date from the scanned cards are correct. Samsung Pay will verify a credit or debit card at your bank and you have the opportunity to receive a text message, email or make a phone call to confirm.

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

How does it work?

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

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

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Samsung Pay works on older Galaxy phones as Note 5. [19659030] Lexy Savvides / CNET

How do I pay with Samsung Pay?

Pull away from the small Samsung Pay bar from the lock screen. Select the card you want to pay with, then place your finger on the fingerprint scanner to verify, use the iris scan or enter your PIN. Click on the back of the phone towards the payment terminal.

  samsungpay-s8-2 "data-original =" https://cnet4.cbsistatic.com/img/f2nO9MknPhJ2RcZaQ18oXaW7MsM=/2018/04/25/202b96f8-93a7-4820-912d-325338c704e4-8samsj. ] samsungpay-s8-2

You will see a transaction message appear at the top of the screen.


Lexy Savvides / CNET

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

From a clock, press and hold the button to start Samsung Pay and then tap the clock towards the terminal.

How is it different from Apple Pay or Google Pay?

The biggest difference is that Samsung Pay works in almost all stores that accept credit or debit cards, not just those with NFC terminals that you can pay for. Samsung Pay also offers a cashback feature, promotions including bonus Samsung credit points and coupons with a number of participating retailers. Chase Pay users can also link their existing digital wallet to Samsung Pay.

Apple Pay and Google Pay let you pay friends and family through Apple Cash via iMessage, and Google Pay via Gmail, messaging or Google Assistant. With Samsung Pay you can also make peer-to-peer payments. However, you must sign up for a prepaid debit card called Samsung Pay Cash and your friends or family must also have a Samsung Pay Cash account to get money.

Samsung Pay vs. Apple Pay vs. Google Pay [19659043] Samsung Pay Apple Pay Google Pay Compatible Devices Samsung Galaxy phones since Galaxy Note 5, Gear Watch and Gear Watch Active, Gear S2 and S3 Apple iPhones since SE, Apple Watch, MacBook Pro with TouchID, 5th generation iPads, iPad Pro and iPad Mini Android phones with NFC and HCE support KitKat (4.4) or higher Availability (see note below) 27 countries around the world 59 countries around the world 30 countries all over the world Authentication Fingerprint, PIN or iris FaceID or fingerprint Fingerprint, PIN, pattern or password Where can you use? Works with NFC, magnetic tape or EMV terminals, in-app purchase Works with NFC terminals, in-app purchases and Safari web purchases Works with NFC terminals and in-app purchases Card Credit, debit, loyalty and gift cards Credit, debit and loyalty cards Credit, debit, loyalty and gift cards Which banks? Wide range of banks: full list here; PayPal Wide range of banks: full list here Wide range of banks: full list here; PayPal

Is it safe?

Samsung Pay does not store accounts or credit card numbers on the cards on the device but instead uses transaction tokenization. Each time a purchase is made, the phone sends two details 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 phone's encryption key.

What happens if I lose my phone or my plastic card?

Payments cannot be made from your phone without being approved via fingerprint, PIN or iris scan. If you sign up with Samsung's Find My Mobile service, you can delete information on your phone, including all cards stored in Samsung Pay.

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

In addition, your digital card information is automatically updated when you receive a new card, for example as you approach the expiration date. [19659002] Can I use Samsung Pay even without data connection?

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

How about when I travel abroad?

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

Does Samsung Pay also work for returns?

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


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