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4 Good Reasons to Use Samsung Pay

Samsung Pay is available on all carriers in the United States and on recent Samsung smartphones. Like the Galaxy S7 and Galaxy S7 Edge. Now that it’s available nearly everywhere, here we’ll be sharing four great reasons why owners should use Samsung Pay. Like triple reward and other incentives.

Released in late 2015 users will need a Galaxy S6, Galaxy S6 Edge, Galaxy Note 5, Galaxy S6 Edge Plus, or a Galaxy S7 to enjoy all it has to offer. Not to mention the latest Samsung Gear S3 smartwatch and a supported bank.

Read: Samsung Pay vs Android Pay: What’s The Difference

Between Google Wallet, Apple Pay, Samsung Pay and now Android Pay, not to mention LG working on its own version, wireless mobile payments are here to stay. For those who’ve yet to try it, here are a few reasons why I use Samsung Pay. Furthermore, why it’s worth recommending to those with a Samsung smartphone.

Samsung Pay

Samsung Pay was first announced during the Galaxy S6 announcement in early 2015, but wasn’t released until September after a short beta. Apple Pay had a one-year lead on Samsung, but it doesn’t work nearly as well. In addition to only being supported at select retail stores or update payment terminals.

In fact, we recently wrote an article on why we don’t use Apple Pay, and stated some good reasons to avoid it. That said, Samsung Pay works almost everywhere and has none of those limitations. As a result it’s absolutely worth using. Here’s a list of supported devices, carriers, banks and credit cards.

Screen Shot 2015-11-12 at 2.09.46 PM

Update: In late 2015 Samsung added support for Chase and Mastercard, two huge partners that will allow millions to enjoy Samsung Pay. Then in December added gift cards, additional features and improved the user interface. Throughout 2016 Samsung has added loyalty cards and support for over 500 banks or Credit Unions.

If you have a device, bank and card that works with Samsung Pay, take advantage of all it has to offer.

Safe & Secure

All Samsung smartphones that work with Samsung Pay feature the latest cutting edge technology in terms of security on a smartphone. From fingerprint scanners to the latest monthly security patches.

Between users needing a fingerprint to actually use Samsung Pay to make wireless payments with their phone, and all the security measures in place are why it’s safe to use. Here is Samsung’s thoughts on security:

“your purchases remain yours alone. Samsung Pay uses several layers of security. It keeps your payment information separate and doesn’t store or share it, so you can pay without worry.”

Samsung Pay doesn’t store or share payment or credit card information, making it safe to use. Not to mention multiple layers of security are in place to keep it safe from hackers trying to steal information. Yes part of the technology behind it was hacked last year, but it didn’t compromise S-Pay in any way. In fact, it’s believed the reason behind it was to try and steal the technology used. That brings us to our next point, why this service is so great.

Samsung Pay Works Almost Everywhere

Unlike Apple Pay or Android Pay, Samsung’s method works almost everywhere. It’s accepted everywhere that works with Apple Pay, in addition to any payment terminal that accepts a credit card. Samsung claims nearly 95% of all retail stores in the United States will work. So yes, almost everywhere.

The service uses both NFC and MST (magnetic secure transmission) to make wireless payments. All a user needs to do is tap their phone to the payment terminal, touch the fingerprint scanner for authentication, and you’re all done. This is done with NFC, but it’s also backwards compatible with all swipe-based magnetic payment terminals. Meaning anywhere you can swipe a credit card, you can use Samsung Pay. If NFC (Apple Pay style) isn’t accepted, it uses the magnetic signal. Which is sent when swiping a debit/credit card. It’s fast, easy, and secure.

google-wallet-PayPass-Terminal

Apple and Google both use NFC, which is Near Field Communications. Meaning that select locations around the US like Starbucks, vending machines, retail stores and others need to have updated payment terminals inside their stores for it to actually work. Devices with the “Paypass” or “Apple Pay Accepted Here” signs you’ve probably seen like the one above are required.

As a result many places don’t accept Apple or Android Pay, making it useless for those with an iPhone or recent Android devices.

Samsung-pay

This is key. Samsung Pay works at all of those locations, as well as the others. Making it extremely convenient unlike any other mobile payment service on the market. I’ve made payments at stores that don’t accept Apple Pay, like Walmart, and the cashiers constantly tell me, “Hey, that doesn’t work here”. Then are shocked to see it works. The responses I’ve received are everything from confusion, amazement, to curious and full of questions.

Rewards

New to our list is Samsung Pay Rewards, which debuted on November 14th 2016. This reason alone is enough to suggest owners try it. The goal is to get more people to try the service, and to thank the millions that already have.

samsung-pay-rewards

Samsung Rewards works just like a points-based credit card reward program. Every mobile purchase made will earn points. Users can double-dip by earning points from the card and Samsung, not to mention earn rewards on a debit card. Something that typically doesn’t happen from banks.

These points can be redeemed for Samsung products, vouchers, gift cards, visa cards and more. The company also has double or triple bonus programs planned. Imagine getting 4x points, points from the card issuer, then getting a gift card. Impressive, right?

The more you use Samsung Pay each month, the higher tier users will be. From Silver, Gold and Platinum for better rewards and more double-ups. Additionally, there will be instant winners for random giveaways simply for earning points and making payments with your wireless device. More information can be found here.

Easy to Use

And finally, Samsung Pay is extremely simple to use. So much in fact that once it’s setup users don’t even have to turn on their phone to make payments. Which is one of the many reasons I use it daily.

Setup takes less than a minute and consists of installing the Samsung Pay app if it isn’t already installed. Then using the camera to capture and save your credit or debit card. Users can also enter the information manually. Once done, you’ll never need to use the Samsung Pay app again. Although there are free gift cards and other incentives in the “announcements” part of the Samsung Pay app. Check it to earn free $25 gift cards, Dunkin’ Donut freebies and more.

Slide up on the home or lockscreen to instantly launch Samsung Pay
Slide up on the home or lockscreen to instantly launch Samsung Pay

Once done simply swiping up from the bottom of the screen (even while the phone is turned off) will initiate Samsung Pay. Users will be instructed to pay with their fingerprint. Now just hold your phone up near the terminal or NFC reader. It takes less than two seconds, and you’re all done. The transmission is secure, and doesn’t go very far so hackers can’t collect the information.

Users can swipe up while the phone is off, or turned on, right from the homescreen or even the lockscreen. There’s a persistent little tab on the bottom (shown above) making it quick and easy. This can be removed if users would like, but then you’ll need to open the app before making payments.

Samsung’s phones can tell which signal is required, and there’s no difference in the process or timing whether it’s NFC or MST. It just works, and works well. Users can also swipe through a list of cards if more than one has been added, which is also a swipe and fingerprint tap away.

There’s no finding a card in your wallet, digging through a full purse, or hoping the location works with Apple Pay. Just pull out your phone, swipe, tap and pay.

Samsung-pay2

Samsung plans to add additional banks, cards and more features in the near future. We’ve seen a lot added in 2016 and expect that trend to continue next year. We’re also hearing they could have some big deals and rewards during Black Friday.

Hands down Samsung Pay is the best wireless mobile payment method on the market. It’s fast, secure, safe, and more importantly easy to use everywhere. As a reminder, Samsung Pay doesn’t work at gas pumps or ATMs, but that’s about the only limit users will run into. If you have a capable device and a supported bank or card, give it a try today. You’ll be glad you did. It works amazingly well on my Galaxy S7 Edge.

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17 Comments

  1. John

    11/14/2015 at 6:01 am

    Considering the lead time before Samsung Pay release, you’d think they would have gotten more banks on board. Of the five, two are obscure. Samsung really needs to get on the ball with this before a competitor/phone manufacturer gets MST which makes this app work nearly everywhere – which is also the sole reason why one should get Samsung Pay. Once that benefit is gone and Apple puts it into their next phones, Samsung is buried.

    Reply

    • Peter

      11/24/2015 at 5:08 pm

      Samsung has the patent for MST.

      Also, since Samsung’s older phones already have NFC built-in, they can update the Samsung Pay app to support all legacy Samsung devices with NFC included (work only for NFC). That would be great.

      Reply

  2. eric coultas (@glimmerman76)

    11/15/2015 at 1:42 pm

    John samsung owns all the mst payment patents.

    Reply

  3. Abelardo

    03/26/2016 at 4:53 pm

  4. Benu

    04/03/2016 at 4:08 pm

    What happens when you are not physically at the POS/cash register, such as in a restaurant where typically you give your card to the server and they return with the slip to sign? Do you give the server your phone?

    Reply

  5. Nick V

    04/08/2016 at 1:34 pm

    I love Samsung Pay! I accidentally left my card at home one night and had shopping and dinner to do. I explained to the cashiers that I need to pay with my phone as I didn’t have my card. They looked at me all strangely (I do live in Idaho haha!) and said ok … as I’m holding up my phone to their swiper deal, they start saying “Ummm, I don’t think we have that …. OH MY GOD IT WORKED!!” Haha! Three different store cashiers reacted this way … it was awesome! I highly recommend it!

    Reply

  6. Lalo

    04/08/2016 at 2:37 pm

    Thats the standard reaction at every store I have used it at too. The only store it didnt work at for me was Wal-Mart self check out lanes. The cashier had to suspend the transaction but I was able to pay at a different station that had a different card swiper model.

    Reply

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    04/09/2016 at 7:52 pm

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  8. Chris Pearson

    05/24/2016 at 3:18 pm

    Yes SamsungPay works just as advertised on most payment card reader systems out there. The reaction is always fun to watch. I found that even in some stores there are card readers that will not play nicely with the app. I just avoid those lines now.
    It’s probably about time an update to this article because the list of cards and banks that you can add have more than doubled.

    Reply

  9. Finn

    06/21/2016 at 1:10 am

    Does it really work when the phone is switched off? On the S7 Edge it doesn’t appear when the phone is off and it takes 30 seconds to activate when the phone is switched on.

    Reply

    • Unplugged

      12/22/2016 at 11:01 pm

      On my S7 Edge, the phone switches on immediately. No 30 seconds. You just swipe up from the bottom of the phone. BTW, the Samsung Watch S3 uses MST, so you don’t even have to get out your phone.

      Reply

  10. Joe shmoe

    10/16/2016 at 9:03 pm

    I have been using it for the better part of 2 weeks and its works awesome it has cut the amount of cards I carry in my wallet by half.I have only had 2 places that it didn’t work gas station swipe and at a very old retailer using the swipe on a cash-register. So much quicker then having to pull the card out of my wallet.

    Reply

  11. Max

    11/18/2016 at 10:22 pm

    i read some news said MST need to save your signature for reference when you use it? it work when the phone should switched on ?

    if i choose to use NFC to make the payment i think i want to be faster, if i still need to use POS to connect phone and check the signature, can i be faster ?

    it is not all the samsung phone can use MST just like Galaxy S6 Edge ? anyone know ?

    Reply

  12. cara

    11/28/2016 at 11:46 am

    One MAJOR issue with Samsung pay is it’s propensity to double charge your card. Twice now, Ive had a double charge occur when using Samsung Pay. It hasn’t happened at merchants like Panera who are set up to accept Samsung Pay or tap but, at merchants who have magnetic strip readers. For now, I will not be using the service. I’ll wait until they work out the bugs. If I didn’t check my account regularly I would never had known!

    Reply

  13. Joseph

    12/04/2016 at 6:48 am

    http://www.samsung.com/us/samsung-pay/compatible-cards/#bank

    The above website lists the hundreds of banks which are on-board.

    Reply

  14. Joe T.

    12/18/2016 at 7:01 pm

    One thing I didn’t see mentioned in the article was Samsung Pay’s support for reward cards. I just ask the cashier at the food store if I can aim the phone at their scanner and it takes. Even my library card works. Samsung pay has emptied my wallet of all these miscellaneous cards.

    Reply

  15. Nate Admiraal

    01/15/2017 at 6:56 pm

    I would get another Samsung phone purely due to the ease and convenience of Samsung pay. It’s the greatest thing since sliced bread — a bit off topic, but the only thing that gives me pause is the loss of the IR blaster — which was SO useful for TV/AC/garage door opener, etc. etc. Why oh why did Sammy ditch that feature?

    Reply

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