Home Guides Samsung Pay: All You Need to Know Before Your Next Purchase

Samsung Pay: All You Need to Know Before Your Next Purchase


Samsung is a name we are all familiar with and this is probably because we might have used one or more of its products maybe including Samsung mobile, Samsung Pay… It is interesting to know that this Samsung has the tendency of minimizing resources and capital using their existing infrastructure.

Their ability to do this allows them penetrate into the technology market and also enables them set goals some of which have been achieved.

Over the past years, we have seen how successful the brand has become in manufacturing of mobile device. A lot of features were added to these mobile phones to make them better and relate more to the users.

Just like Apple incorporated the Apple pay in Apple and Mac device, Samsung has also introduced Samsung Pay that will enable users transact easily directly from their mobile devices like smartphones and tablets.

What is Samsung Pay?

Samsung pay is a digital wallet that allows users make payment using a Samsung pay eligible device. Similar to the Apple pay, the Samsung pay uses near-field communication (NFC) to support contactless payments.

Alternatively, Samsung Pay can also make use of magnetic strip and this can be done only in payment terminals by the action of magnetic secure transmission (MST).

Samsung Pay also happens to be accepted at many stores and merchant than any other mobile payment service.

Reports coming from the Korea herald (a publication bases in south Korea) says the Samsung pay could integrate crypto wallet into the Samsung Galaxy S10 smartphone. An official in the Korea herald further spoke on the development of crypto wallet into Samsung devices by adding the possible positive effect it would bring.

He said “integration of the crypto wallet could lead to the mainstream adoption of crypto currencies in the local market.

Samsung also released a report saying that mobile devices are more secure in storing crypto currencies due to the presence of trusted execution environment (TEE). If Samsung succeeds in incorporating the crypto currency into its digital wallet application, it would give them an edge over Asia competitors like Alipay and Kakaopay.

Samsung Pay

A lot of individuals move around with a wallet containing their debit, credit or prepaid card, but wouldn’t it be safer if your cards are on your phone? Don’t get confused! There is another wallet that usually comes with some phones and enables users have their cards on their phones.

Samsung pay is like this wallet carrying your cards but the different is its digital and allows you make contactless payment at any retail store, pay all sorts of bills right with your mobile device.

Well not every mobile device supports the Samsung pay, this payment system can be done using a Samsung phone that is eligible for the service.

As at time of writing, some of the Samsung phones that supports Samsung Pay are Galaxy S6, S6 Edge, Note 7 fan edition, S8, S8 Plus, S8 Active, S9, S9 Plus, S10, S10 Plus, Note 8, Note 9, A5(2016), A7(2016), J5 Pro,C5, C5 Pro, A8 (2016), A9(2016), A9 Pro, A9 star, C9 Pro, W2017, W2018, C9 Pro.

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Note: Samsung Pay may not function in some countries.

How does this Samsung Pay work?

Contactless payments are made possible on the Samsung pay as a result of a near field communication technology (NFC). This works like any NFC enabled card and the Samsung pay also uses payment terminals and card machines via a magnetic secure transmission (MST).

This means the Samsung pay will be able to alternate the NFC technology for the MST in order to achieve payments from your credit, debit or prepaid card. By the way, Samsung pay works only at places having card machines and payment terminals.

What is the principle behind the use of MST technology? When using a debit or credit card you will notice a black magnetic strip that is usually swipe through a machine or terminal when making payments.

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That part of the card is what actually transfers the card details to the terminal or machine. The MST technology uses that same idea, so the MST uses the magnetic coil embedded at the back of the device to transfer card details saved on the Samsung Pay app.

How secure is Samsung Pay?

Samsung Pay is very secure and this is because it won’t store the cards number but an encrypted version of the cards number. So the encrypted card number is what is sent in to payment terminal where it will be decoded and payment will be done.

This card number is not stored anywhere on your phone and you can set a password that you can remember and use each time you want to carry out a transaction.

If the eligible Samsung smartphone you are making use of has a fingerprint sensor or an iris scanner, you can also use it to set a lock by saving your unique iris or fingerprint on the phones database.

Doing this will protect your Samsung pay even when the device gets lost or stolen.

Do I pay for Samsung Pay service?

Samsung pay is absolutely free, to top that you also get benefits or reward from Samsung for just using the Samsung pay.

Note: These rewards or benefits is limited to Samsung Pay’s official retail partners.

You also get points each time you use the Samsung Pay which can be converted into product that can be collected at a Samsung retail partner store.

In some countries, these points can be used for discount when purchasing any Samsung product. In addition, Samsung alongside the partner banks gives promotions ranging from cash backs on all payments and also points as well.

Which country supports Samsung Pay?

Since its introduction, Samsung pay has reach many countries around the world. As these countries that supports the Samsung Pay service expands, in no time the service might be available all over the world.

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Worthy of note is the fact that not every bank in the country where the Samsung Pay is available will support the service.

Counties where the Samsung Pay is available includes: Canada, Australia, China, Brazil, India, France, Italy, Hong Kong, Puerto Rico, Malaysia, Mexico, Singapore, South African, South Korea, Spain, Switzerland, Sweden, United Kingdom, Taiwan, Thailand, United Arab Emirates, United States and Vietnam.

Samsung pay

How do I set up Samsung Pay?

Setting up Samsung pay and adding your debit or credit card is pretty easy, all you have to do is follow the steps below;

Step 1: The first thing to do is to get a Samsung Pay eligible device, the device might come with the Samsung Pay app but if not you will have to download it.

You also download any software update on the phone by going to settings and tapping about device, then tap update menu on the phone.

Step 2: Go to the Samsung Pay app on your smartphone’s drawer, once you open, you will be prompted to download the full version of the Samsung pay which will take about 80-100 MB space. After downloading tap the install button and carry-on to the next step.

Step 3: Simply skip the intro video that will pop up after installing, and then you will see “sign in your Samsung account”. If you have registered before, just fill in your login details in the sign in box.

But if you don’t have a Samsung account, no worries, you can create an account using the Samsung pay app. When you login, your Samsung account simply click Start then agree to terms and conditions that would be displayed.

Step 4: after successfully completing the above step, you will be set up verification which can either be a password, iris scanner or fingerprint sensor. However, choosing either iris scanner or fingerprint sensor doesn’t stop you from still setting a PIN.

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In fact the PIN is requirements for safety purpose, so you will be asked to create a four digit PIN.

Step 5: After creating your PIN, you can now add your credit or debit card by tapping the add card button. Click the + sign and start adding your card details. To do this, you will be prompted by the app to capture the front side of your debit or credit card with the phones camera.

Once the camera detects the card number and expiry date, you will be asked to enter your name as written on the card and the cards CVV code.

Note the information you will be asked to enter varies depending on the card issuer. So just follow the instructions on the Samsung Pay app and add the card details carefully to avoid mistakes.

Also, you can enter your card details by tapping the enter card manually that is displayed at the bottom.

Step 6: After Carrying out the above steps simply click add and wait for the app to validate your card. Once the card is validated, agree to the terms and conditions from your bank that will be displayed to you.

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Step 7: The app will then ask you to verify your card, and then choose from the verification option that will be displayed to you. Then follow the instructions in the app to complete the verification process.

Note you may need to sign in the card and you can do this by drawing inside the box provided to you.

So that’s it, you are now registered and you can start using the Samsung pay for any payment transaction.

How do I make payments using the Samsung pay?

Step 1: Once you have registered your card, you can start making payments. To make payment the first thing to do is open the Samsung pay app. Your added card will be displayed on the screen, but if you have entered multiple cards you can choose the one you want to use by swiping left or right to switch cards.

Step 2: Enter payment mode and tap on any of the security options you have used. For instance, if you secure your Samsung pay using the iris scanner, simply click on Iris button then scans your iris or you can enter your PIN.

The same goes for fingerprint. If you secure with fingerprint, simply tap the fingerprint sensor with your fingers then the payment mode will start up.

Step 3: Touch the back of your phone to the payment terminal or machine; you will be given 30 seconds to do that but if the time elapses you can repeat it. When the machine or terminal detects your card via your phone, you can now remove or stop touching.

Step 4: Lastly, the terminal or machine will prompt you to enter your PIN in order to authorize the payment. You can make as many payment as you wish using the Samsung pay and the transaction details will be saved so you can keep track.

Note: You don’t need Internet service to carryout payment transactions on Samsung pay, the only time you use the internet is when you are creating an account and adding your cards.

Is Samsung Pay better than Apple Pay and Google Pay?

Well, Samsung Pay, Apple Pay and Google Pay share the same idea which is making payment easier for its users. However, Samsung Pay has an edge over the Apple pay and Google pay because of the use of both NFC and MST technology.

On the other hand, Apple Pay and Google Pay only make use of the near field communication technology (NFC). This restricts the Apple Pay and Google Pay to areas with NFC but with the MST technology by Samsung, the Samsung pay can be used in more terminals in the world.

That’s a wrap! If you find this post informative, drop a comment below thanks.

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