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Home / Tips and Tricks / Samsung Pay: Everything you need to know (FAQ)

Samsung Pay: Everything you need to know (FAQ)



It's easier than ever to leave your wallet at home and only have your cell phone with you to pay for mobile wallets like Samsung Pay. Once you've added credit, debit, and even gift cards, just tap your phone (or even your watch) to pay. What differentiates Samsung Pay from its rivals like Apple Pay and Google Pay is that it promises to work almost anywhere you pay for things. It will even work with older magstripe terminals without the store having to update anything. This is what you need to know to use Samsung Pay.

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Lexy Savvides / CNET

Where is Samsung Pay available?

It is currently available in 25 countries (deep breath): USA, UK, Australia, Belarus, Brazil, Canada, China, France, Hong Kong, India, Italy, Hong Kong, Malaysia, Mexico, Puerto Rico, Russia, Singapore, South Korea, Spain, Sweden, Switzerland, Taiwan, Thailand, United Arab Emirates and Vietnam.

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Which phone, which bank, card and which mobile service provider do I need?

Samsung Pay works with the latest Galaxy phones, from the latest Galaxy S10 Plus to the Galaxy Note 5 from 2015. It is also available for smartwatches such as Galaxy Watch, Galaxy Watch Active and Gear S2 (only for transactions with NFC) terminals ) Gear S3 Gear Fit 2 and Gear Sport.

All major airlines in the US support Samsung Pay: AT & T, Cricket, MetroPCS, Sprint, T-Mobile, Verizon, and US Cellular. You will also need a Visa, MasterCard, Discover or American Express card. The complete list of supported banks and cards can be found in the following table.

Where can I use Samsung Pay?

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

However, it does not work with readers that require you to physically insert your card into a slot, such as a card reader. B. at gas stations and at ATMs.

With Samsung Pay in stores near San Francisco, I found that it was accepted almost everywhere. These included providers that use square readers. NFC terminals in major retail chains such as Trader Joe's and Walgreens; and magnetic stripe readers in smaller stores. You may also have to sign a receipt for the transaction.

Samsung Pay also works in various public transport systems around the world, including MTA's OMNY system in New York City.

How do I set it up?

After installing the Samsung Pay app, sign in with your Samsung account if you have not already. The app prompts you to register a PIN, fingerprint, or iris scan if you have not set it up yet. You can now add a credit, debit, gift, or membership card by scanning it with the camera. You can also add your PayPal account .

Verify that the number, name, and expiration date of the scanned card are correct. Samsung Pay will check a credit or debit card with your bank and you will have the option of receiving an SMS, sending an e-mail or making a call for confirmation.

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 everywhere. The first option is Near Field Communication (NFC) for paid transactions to contactless terminals. The second option is Magnetic Secure Transmission (MST) transmission for older terminals where you would normally pull a card through. The phone sends out a magnetic signal to simulate the magnetic stripe on the back of a credit or debit card when you hold the phone against one of these readers.

In 2015 Samsung acquired the mobile payment company LoopPay . The company developed the special MST technology for Samsung Pay.

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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 for, and then place your finger on the fingerprint scanner to check, use the iris scan, or enter your PIN. Hold the back of the phone against the payment terminal.

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A transaction notification appears 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 PIN on the terminal. Once the payment has been made, you will receive a notification confirming the name of the merchant and the amount of your purchase. This information is also listed in the Samsung Pay App.

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

How does it differ from Apple Pay or Google Pay?

The main difference is that Samsung Pay works in almost any store where credit or debit cards are accepted, and not just in stores with NFC terminals, where payment is made at the touch of a button. Samsung Pay also offers a cashback promotions including bonus Samsung account points and coupons at a number of participating retailers. Chase Pay users can also link their existing digital wallet to Samsung Pay.

However, Samsung Pay does not provide a way to pay your friends or family like Google Pay or Apple with Apple Cash through iMessage.

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 SE, Apple Watch, MacBook Pro with TouchID, iPads since 5th generation, iPad Pro and iPad Mini Android phones with NFC and HCE support KitKat (4.4) or higher
Availability (see note below) 25 countries worldwide 41 countries worldwide 29 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 and 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 customer cards Credit, Debit, Loyalty and Gift Cards
Which banks? Banking Diversity: complete list here; PayPal Wide range of banks: full list here Banking Diversity: complete list here; PayPal

Is it safe?

Samsung Pay does not store card account or credit card numbers 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 that represents the credit or debit card number, while the second is a one-time code or cryptogram generated by Encryption key of the phone.

What if I lose my phone or plastic card?

Payments can not be made from your phone without being authorized by fingerprint, PIN or iris scan. When you register with Samsung's Find My Phone service, you can remotely erase information on the phone, including all the cards saved in Samsung Pay.

If you lose your physical credit or debit card and contact your bank for withdrawal, you will not be able to use it in Samsung Pay for a period of time. However, the app should automatically generate a new account number when your bank issues a new card.

In addition, your digital map information is automatically updated when you receive a new map, such as a map. For example, when you approach the expiration date. [19659014] Can I use Samsung Pay without a data connection?

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

What about traveling overseas?

If you can use your card abroad in the United States, it is likely to work with Samsung Pay when you travel. The caveat is that you may need to contact your bank if you're trying to add a card while traveling outside the US.

Does Samsung Pay also work for returns?

Yes. You may need to hold the phone against the payment terminal just as you did when making the payment to process the return. You may also be asked to reconcile the payment information on the receipt with the last four digits of your virtual card number found in the Samsung Pay app.

Editor's Note: This article was originally published on September 28, 2015, and is constantly updated with new information.


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