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Samsung Pay 101: how to pay with your phone
Android devices have Google Pay, which makes it easy to pay with your phone, while the iPhone has Apple Pay. Samsung Pay service is also available on Samsung Galaxy phones. What is Samsung Pay and how do you use it to pay with your phone? You can find the answer in this post.
Good to know: unsure if Samsung Galaxy phones actually support Android? The answer is yes, but here are the differences.
What is Samsung Pay
Samsung Pay is a contactless mobile payment system built directly into your Samsung Galaxy phone or smartwatch. With Samsung Pay, you can pay at retail stores around the world with your Samsung phone using your stored credit or debit card information.
Samsung Pay resembles a digital wallet, with the phone acting as a card that must be swiped at an ATM to make payments at any store. In addition to credit and debit cards, Samsung Pay also allows gift and membership cards to be stored on the phone. Previously, Samsung Pay was a separate app, but now Samsung Pay and Pass services have been combined into one Samsung Wallet app.
To use Samsung Pay, you need to save your card details in the Samsung Wallet app on your phone. You can then make payments without worrying about carrying a real card.
Typically, with physical cards, you have to remove the card from your wallet, swipe it up on the device, enter the card's PIN, and then put it back in your wallet. Samsung Pay simplifies the entire process. After setting up Samsung Pay on your phone, you simply place your phone on a POS terminal or card device and authenticate the card using the fingerprint sensor or iris scanner on your phone.
Tip: Learn all about the differences between Samsung Pay, Google Pay and Apple Pay.
How Samsung Pay works
Samsung Pay uses your phone's Near Field Communication (NFC) technology to make payments on wireless-enabled devices. Your card data will be sent to an NFC-enabled payment terminal when you place your phone near the device.
However, in some regions, such as India, many merchants still have traditional payment machines where the card must be inserted into the device. Samsung Pay service also works with these machines on some Samsung Galaxy phones.
In general, Samsung Pay works in all places where you can swipe or touch the physical card.
Tip: Check out other ways to use NFC on your phone.
What you need to use Samsung Pay
First of all, you will need Samsung Galaxy phone that supports Samsung Pay. Basically all Samsung flagships and some mid-range models support Samsung Pay. You will also need to know the details of your credit, debit, gift or membership card. Finally, you must have a card from a compatible bank. Check with your financial institution to see if it offers this option.
The bottom line is that you don't have to buy anything to use Samsung Pay. You don't even need to visit your bank. All the technology is available natively on your phone. All you have to do is register your cards on your phone once and you're done.
In short, to use Samsung Pay, you will need:
- Set up Samsung Pay on your Samsung phone.
- Add your payment cards to Samsung Pay.
- When you are ready to make a payment, open your Samsung wallet and select the card you want to use.
- Hold your Samsung phone near the contactless reader until you see the payment confirmation message.
How to add cards in Samsung Pay
Follow the steps below to register your card for Samsung Pay with Samsung Wallet:
- Open the Samsung Wallet app on your Samsung Galaxy phone. If you don't see it, look for the Samsung Pay app. If any of the apps are not available on your phone, update your phone's software to the latest version.
- You will be asked to log in to your Samsung account, if you have not already done so. Enter your login information.
A note: Samsung does not allow you to take screenshots in the Samsung Wallet app.
- Give the necessary permissions to the Samsung Wallet app and tap the "Continue" button.
- You will be asked to set up a verification method to use Samsung Pay. Choose "Fingerprint" or "Wallet PIN." If you choose fingerprint, you will still need to configure a PIN.
- After setting up the verification method, you will be taken to the main screen of the application. Click the "Menu" tab at the bottom and select "Credit/Debit Cards."
- Click the "Add" (+) icon at the top.
- The app will open the camera and ask you to point it at the card. Your phone will start scanning the card data. You can also tap the "Add Card" button manually to manually enter all the card data, or tap the "Add with NFC" button to automatically get the card data by simply touching the NFC card on the back of the phone.
- When the application detects the card data, you will be asked to enter the CVV code (3 or 4 digits) and the cardholder's name. Press the "Next" button.
- The application will start verifying your card and you will be asked to accept the Terms and Conditions. Click "I Agree."
- Finally, you will be asked to verify your card. To do this, you can choose to receive an SMS message or a call to the cell phone number registered in your bank account. Enter the code to verify your card.
- Well. The card will be successfully registered to your Samsung Galaxy phone. Similarly, you can add more cards to the Samsung Pay service.
Tip: With these tips, you can make your Samsung Galaxy phone's home screen stand out.
How to use Samsung Pay to make payments
Once you have registered at least one card in the Samsung Wallet app, you can use Samsung Pay to make payments at any retail store using your phone by following these steps:
- Open the Samsung Wallet app on your phone. You can access it quickly by swiping up from the bottom of the screen.
- Your default card will appear. If you have multiple tabs, swipe right or left to move to your preferred tab.
- Ask the cashier to enter the payment details on the machine.
- Scan your fingerprint with the fingerprint sensor or enter the Wallet PIN on your phone.
- Your phone will start looking for terminals or payment cards. Put the back of your phone to the device to authorize payment. You have 50 seconds to do this.
- If you have sufficient funds in your account, the transaction will be successful and you will be notified that the process is complete.
- What's more, every detail of the transaction will be saved in the Samsung Wallet app, which you can check, as shown below.
Tip: Learn what to do if you experience credit card fraud.
How to check previous Samsung Pay transactions
To view Samsung Pay transaction history in the Samsung Wallet app, follow these steps:
- Open the Samsung Wallet app on your Samsung Galaxy phone.
- Click the Menu tab at the bottom and select "Credit/Debit Card."
- Click the card whose transaction history you want to check.
- You will see details of past transactions in the "Recent transactions" section.
How to remove a card from Samsung Pay
To remove a stored card from a Samsung wallet, follow these steps:
- Launch the Samsung Wallet app on your phone.
- Click the "Menu" tab, then "Credit/Debit Cards."
- Click the tab you want to delete.
- Press the icon with three dots at the top and select "Delete card" from the menu.
Tip: Want to be less dependent on physical credit cards? Check out the best virtual credit card services.
Frequently Asked Questions
What happens if you lose your Samsung Galaxy phone?
If you lose the phone on which you have registered Samsung Pay service, your card data will remain safe, as the thief will need your fingerprint or Wallet PIN to authorize payments. What's more, if you lock your phone using the Find My, Samsung wallet will be blocked too.
How many cards can be registered with Samsung Pay?
You can add up to 10 payment cards in Samsung Pay.
What is the difference between Samsung Pay and Samsung Wallet?
Previously, Samsung had two different services for storing important information. Samsung Pay is used for credit, debit and gift cards, while Samsung Pass is used for passwords, addresses and similar information. Samsung Wallet replaces both of these apps and combines the functions they offer into one app. As a result, you can now access Samsung Pay and Samsung Pass directly from Samsung Wallet.
