The Samsung Pay makes it easy to pay using your phone almost anywhere. All required to do is tap your phone (or watch) to pay, without delivering your physical credit or debit card.
While Apple Pay and Google Pay also offer contactless payment options, Samsung Pay works almost anywhere you purchase things. Even at older terminals that haven’t been updated to figure with Apple Pay or Google Pay.
The Samsung Pay
But that feature, called MST or magnetic secure transmission, is being phased over the US, starting with the Galaxy S21 phones. Read carefully on this article for everything you require to know about Samsung Pay.
Where is Samsung Pay Available?
Samsung Pay service is currently available in 27 countries globally. The US, 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.
What Do I Need?
This service works well with Samsung Galaxy phones. Ranging from all the latest Galaxy S21 Ultra all the way back to the Galaxy Note 5 ($180 at Amazon) from 2015.
It is also available on some smartwatches including the Galaxy Watch 3, Galaxy Watch Active ($150 at Amazon) 2, Gear S2 ($200 at Amazon) (only for transactions on NFC terminals), Gear S3, and kit Sport.
All major carriers within the US support Samsung Pay: AT&T, Cricket, MetroPCS, Sprint, T-Mobile, Verizon, and US Cellular.
Users will also need a Visa, MasterCard, Discover, or American Express card. See the complete list of supported banks and cards within the chart below.
Samsung Pay users also can apply for a debit card called Samsung Money, in partnership with personal finance company SoFi.
Where to Use Samsung Pay?
Samsung claims that its system will work with most point-of-sale systems: NFC, magnetic stripe, and EMV (Europay, MasterCard, and Visa) terminals for chip-based cards.
It generally won’t work with readers where you are required to physically insert your card into a slot. Just like those found at gas stations or on ATMs.
Using Samsung Pay in stores around San Francisco, I found that it had been accepted almost everywhere. These included vendors using Square readers; NFC terminals in major chain retailers like Trader Joe’s and Walgreens.
And magnetic stripe readers in smaller stores. you might still be required to sign a receipt for the transaction.
Users are able to also use Samsung Pay in certain Samsung apps. For purchases without having to type in credit card details.
Samsung Pay Setup
Once the Samsung Pay app is installed, register with your Samsung account if you haven’t already. The app will ask for the user to register a PIN, fingerprint, or iris scan if there is none yet.
Users can now add a credit, debit, gift, or membership card by scanning it with the camera. You’ll even have the choice to add your PayPal account also. Samsung Pay will verify a credit or debit card along with your bank.
And you will have the option to access an SMS, email, or make a call to verify. A total of 10 cards are often added to Samsung Pay.
How Does it Work?
Samsung Pay uses two technologies that allow it to figure almost anywhere. The primary is near-field communication (NFC) for tap-to-pay transactions at contactless terminals.
And the other is magnetic secure transmission (MST) for older terminals where you’d normally swipe a card. The phone emits a magnetic signal to simulate the magnetic strip found on the rear of a credit or debit card. After you hold the phone against one of these readers.
How To Make Payment with Samsung Pay?
From the lock screen, swipe up from the little Samsung Pay bar. Select the card you wish to pay with, then place your finger on the fingerprint scanner to verify. Use the iris scan or enter your PIN. Tap the back of the phone against the payment terminal.
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