In late September, Samsung launches Samsung Pay. This will give you the option to pay using the Galaxy Note 5 phone at almost any place that supports swiping a credit card. This in addition to NFC payments that Samsung already supports.
What's nice about the Galaxy Note 5 is that it, like the Galaxy S6, features new wireless magnetic stripe transmission technology that can simulate a card swipe at most places you can actually swipe a card.
This is a feature that the Galaxy Note 4 doesn't have.