How To Use Samsung Pay
Payments made using your phone at places where you would normally use a physical credit or debit card are made simple with Samsung Pay.
To make a contactless payment, all you have to do is tap your phone or watch on the reader.
Samsung Pay has a significant advantage over competitors such as Apple Pay and Google Pay in terms of functionality.
Samsung Pay, also known as MST (magnetic secure transmission), is a contactless payment system that works practically anyplace you pay for something — including older terminals that have not been updated to accept contactless payments.
MST, on the other hand, will be phased away in the United States starting with the Galaxy S21 phones in 2021, making Samsung Pay a less necessary option for Android devices.
Continue reading to learn everything there is to know about Samsung Pay.
A Simple Guide to Turn Off Samsung Pay
What is Samsung Pay and how does it work?
SAMSUNG PAY is an Android application that is designed to work with select Samsung smartphones, allowing them to interact with payment terminals.
Are you out shopping for a new dress or stopping for a cup of coffee at your favorite cafe?
If so, You can leave your credit or debit card at home and instead use the Samsung Pay app to make purchases.
Your smartphone may use NFC technology to pay with a simple touch at any terminal that accepts wireless payment, but that is not what distinguishes it from other mobile payment devices.
Not all retail establishments have kept up with the times, and many continue to use outdated payment terminals that do not support new payment technologies such as Apple Pay and Google Pay.
Samsung, on the other hand, takes things to the next level by including MST (magnetic secure transfer) technology incorporated into their smartphones.
As a result, you may pay at any terminal that accepts cards without the requirement for wireless compatibility.
In order to fool older terminals into believing that you physically swiped your card, MST sends out a signal that looks like the black stripe on the back of your credit card.
Samsung Pay is currently available in 29 countries around the world.
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.
What phone, bank, credit card, and carrier do I require?
Samsung Pay is compatible with Galaxy smartphones, ranging from the most recent Galaxy S21 Ultra all the way back to the Galaxy Note 5 ($670 at Amazon), which was introduced in 2015.
It’s also accessible on several smartwatches, including the Galaxy Watch 3, Galaxy Watch Active ($150 at Amazon), Galaxy Watch 2, Gear S2 ($195 at Amazon) (which can only be used for transactions at NFC terminals), Gear S3, and Gear Sport, among others.
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 can also apply for a debit card called Samsung Money, which was developed in collaboration with personal finance startup SoFi.
Where can I use Samsung Pay and how does it work?
With regard to point-of-sale systems, Samsung claims that its system will work 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 work with this kind of authentication.
When I used Samsung Pay in various establishments throughout San Francisco, I discovered that it was accepted practice included merchants who used Square readers, NFC terminals in major chain businesses call everywhere I went.
Such as Trader Joe’s and Walgreen’s, and magnetic stripe readers in smaller stores, among other options. It is possible that you will still be required to sign a receipt for the transaction.
Samsung Pay is also compatible with a number of public transportation systems throughout the world, including the MTA’s OMNY system in New York City and the TriMet system in Portland.
If you use Samsung Pay within specific Samsung apps, you can make purchases without having to enter any payment details or credit card information.
How can I get Samsung Pay to work?
To begin, determine whether or not you own a Samsung smartphone that is compatible. All Galaxy devices, including the S6 and Note devices, as well as a few Galaxy A devices, have the technology built-in since the S6.
Many Samsung wearables also include Samsung Pay, which allows you to make rapid payments using your wrist without the need for a smartphone.
Once you’ve established that your Samsung smartphone is compatible with Samsung Pay, you can proceed with the following steps:
1. To begin, open the Samsung Pay application on your mobile.
2. The Get Started button will appear once the application has been launched on your device.
3. Following that, you’ll be given the option of setting up the app using either iris or fingerprint scanning, or by using a PIN exclusively.
When you choose PIN only, you’ll be requested to enter a four-digit PIN that will be used to safeguard your information in the future – type it twice to ensure that it was entered correctly both times.
4. Click on the Menu button in the top-left corner of the screen to open the menu. Then, in the popup window, pick the option to “Add Credit/Debit Card.”
5. Follow the on-screen steps to scan your card, finish the setup, and agree to any terms and conditions that may be displayed. You can also manually enter your card information.
6. The app will inquire as to whether you wish to designate Samsung Pay as your default mobile payment provider.
Continue by selecting Set as Default from the drop-down menu.
The app will ask you if you want to replace the default payment app that you have set up, such as Google Pay, if you already have one set up.
However, it is crucial to note that not all banks are currently compatible with Samsung Pay.
However, the majority of credit card issuers, such as American Express, Visa, and MasterCard, are featured in the list.
Despite the fact that the Samsung Pay software is pre-installed on Galaxy devices by default, you may quickly reinstall it if it has been accidentally deleted.
What is the process for adding Samsung Pay to my smartwatch?
If you have a Galaxy Wearable device that is compatible with Samsung Pay, you can use it to make safe payments on the move.
It is critical to understand, however, that wearable gadgets only accept NFC technology.
Given that MST is not enabled on Samsung Galaxy Wearable devices, you will need to use a payment terminal that accepts contactless transactions.
To set up Samsung Pay, follow these steps:
1. Start by launching the Galaxy Wearable application.
2. On the Home tab, select Samsung Pay from the drop-down menu.
3. From here, you can add credit or debit cards by tapping the Plus (+) button in the upper-right corner, just as you would on your smartphone.
Samsung Pay is even easier to set up on some newer Galaxy watches, such as the following:
1. Press and hold the Back (upper) button for a couple of seconds to get the process started. If this is your first time using Samsung Pay, it may take a few seconds for the service to begin.
2. Click on the arrow to begin configuring the system.
3. On your phone, press OK to launch Samsung Pay, then tap Start to begin using the service. It is possible that you will be required to sign in to your Samsung account.
4. Select + Add Card from the Three Dots menu on your watch to add your card. The Turn On button allows you to configure a lock screen for your watch, which we recommend doing if you haven’t done so yet.
5. On your wristwatch, enter a four-digit PIN and type it twice for verification purposes. You can now begin adding your payment cards to your account.
Once Samsung Pay is fully configured on your Galaxy Wearable, you’ll be able to pay for transactions with your wearable and review any previous purchases made with the service.
For more information, see Samsung Pay. Note that the watch and smartphone will only display transactions that have taken place on their own hardware – they will not display transactions that have taken place on other devices.
What makes Samsung Pay superior to Apple Pay or Google Pay?
It is solely because of Samsung Pay’s MST technology that it outperforms competitors Apple Pay and Android Pay, both of which only offer near-field communication (NFC).
As a result of the requirement for merchants and businesses to have NFC-enabled terminals in order to accept NFC payments, Apple Pay and Android Pay are not as extensively accepted as Samsung Pay.
The existence of MST technology according to Samsung implies that its payment service may be used practically anywhere standard debit or credit cards are accepted, according to the company.
Is Samsung Pay a secure payment method?
As a result, Samsung Pay is more secure than using a physical credit card because it does not save the actual card number.
To put it another way, Samsung Pay keeps an encrypted version of the card number that is sent to payment terminals rather than the actual card number itself.
It’s a virtual number in the sense that the original card number is not kept anywhere on your phone or computer.
Nevertheless, don’t be concerned: this does not imply that you must set a separate PIN for the card on your phone.
When you pay with Samsung Pay, your card’s usual PIN is used, which ensures that your payment is secure and that you don’t have to remember any extra numbers.
In addition, before you can use Samsung Pay to make a payment, you must authenticate yourself on your phone using the Samsung Pay app.
On devices that feature an iris scanner, you can authenticate by using the fingerprint sensor, entering the device PIN, or using the iris scanner.
So there’s a lot of protection for a very convenient way to pay, which makes Samsung Pay a pretty trustworthy payment method.
Is Samsung Pay a free service?
Absolutely. Apart from being free, Samsung Pay also provides you with reward points in some regions when you use the service to complete purchases with your phone.
Afterward, these points can be exchanged for a variety of different things at a number of Samsung Pay’s official retail partners.
In some areas, Samsung also allows you to redeem your points for discounts on its own products, which you can find here.
Aside from that, Samsung and its banking partners run a variety of promotions from time to time.
These can range from cashback on all purchases to bonus reward points that are in addition to the reward points you would receive from your bank if you used a physical card instead of the Samsung Pay mobile wallet.
Our Final Thoughts
The Samsung Pay app functions differently than most other apps.
When you first open Samsung Pay, you will be given instructions on how to use it, asked to enter your credit card information (in a really handy method, by the way), and asked to consent to various permissions and agreements.
After you’ve entered all of this information, Samsung Pay will patiently wait at the bottom of your home pages, ready to satisfy your payment demands with a fast swipe from the bottom of the screen.
Most consumers will just not use this app if they have to search across their screens to find it. You won’t have to hunt for the app and wait for it to load this way.
Frequently Ask Questions
What is the procedure for using Samsung tap and Pay?
Open Samsung Pay on your phone when you’re ready to pay.
Tap Pay and then choose your desired payment method.
Enter the relevant security information after tapping PIN or IRIS.
Alternatively, if you have fingerprint security enabled, simply place your finger on the fingerprint reader on your phone.
Is using Samsung Pay secure?
Samsung Pay goes out of its way to protect your personal information.
To secure your personal and financial information, it employs a number of unique security measures, such as tokenization.
Furthermore, Samsung Knox is continually monitoring and protecting your phone from viruses and other dangers. In a nutshell, Samsung Pay is really safe.
How do I activate Samsung Pay?
- Touch Apps from the Home screen.
- Tap Samsung Pay.
- Press the SIGN IN button.
- Enter your Samsung account ID and password, then press the SIGN IN button.
- To begin using Samsung Pay, press START.
- To designate your fingerprint as the verification method, tap USE FINGERPRINT.