Samsung Pay – how to connect and use? detailed instructions

Today I’ll tell you how to use the Samsung Pay payment system on your Samsung Galaxy Note 9 smartphone.

Contactless payments are becoming more popular every year and may soon become the first payment method in Russia, thereby displacing cash payments.

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Samsung Pay

is a mobile payment service from the South Korean company Samsung, which is responsible for contactless payments on smartphones and other devices.

Samsung Pay was first launched in South Korea on August 20, 2015, and in Russia the service began operating on September 29, 2016.

It is immediately worth noting an important feature of Samsung Pay - the service works not only using NFC technology. Samsung bought the company LoopPay, which developed a unique MST (Magnetic Secure Transmission) technology for South Koreans, which simulates the magnetic stripe of a bank card. This technology allows you to make contactless payments at almost any terminal that accepts bank cards.

NFC and payment using the Samsung Galaxy A51 smartphone

The device allows you to read NFC (Near Field Communication) tags containing product information. After downloading the necessary applications, this feature can also be used to make payments and purchase tickets for transport and various events.

The device has a built-in NFC antenna. Be careful when handling your device to avoid damaging the NFC antenna.

Read information from NFC tags

The NFC function allows you to read product information from NFC tags.

1 On the Settings screen, select Connections and tap the NFC & Payment to enable the feature.

2 Place the NFC antenna area on the back of the device against the NFC tag.

The device screen displays the information received from the tag.

Make sure your device's screen is turned on and unlocked. Otherwise, the device will not be able to read NFC tags or receive data.

Making payments using the NFC function

Before using the NFC feature for payments, you must register with a mobile payment service. To register or learn more about this service, contact your mobile service provider.

1 On the Settings screen, select Connections and tap the NFC & Payment to enable the feature.

2 Touch the NFC antenna area on the back of the device to the NFC card reader.

To set the default payment app, open the Settings screen and tap Connections → NFC & payment → Contactless payments → PAYMENT , and then select an app.

The list of payment services may not include all available payment applications.

How to set up Samsung Pay?

Detailed instructions:

1. Go to the Samsung Pay app.
2. Sign in to your Samsung Account. If it doesn't exist, create it.
3. To use the service, you must set up security - a fingerprint, a retinal scan (if your smartphone supports this function) or a PIN code to enter the application. You will be prompted to do all this when you first launch the application. You can change the payment confirmation method in the application settings.

List of payment systems and banks

At the end of 2016, the Korean company’s service works with VISA and MasterCard payment systems. Samsung Pay is compatible with credit cards from the following banks.

VISA and MasterCard

• ALFA BANK
• MTS-Bank
• Raiffeisenbank

MasterCard

• VTB 24
• Russian Standard Bank
• Yandex money
• SBERBANK
• Bank opening
• Bank "Saint-Petersburg
• BINBANKBank
• Dot
• Bank Tinkoff
• Rocketbank

How to add a card to Samsung Pay?

Detailed instructions:

1. Click “Scan Cards” to scan the data from your card - number, expiration date, and enter the first and last name of the card owner. If suddenly something doesn’t work out, you can enter all the data manually. Enter the three-digit CVC code on the back of the card and click “Next”.
2. Accept the user agreement after reading it first.
3. A verification code will be sent to your device from the bank, which must be entered on the page that opens.
4. Next you need to sign. This may be necessary if the merchant asks you to show your signature to verify that you are the cardholder. Click on the "Save" button.
5. Ready! You have linked your card to Samsung Pay.

How contactless payment works

This payment method has gained popularity recently; initially, banks produced plastic products equipped with RFIG chips and antennas to transmit information to the payment terminal.

Nowadays, you can connect credit cards to your mobile device and make payments over the phone by attaching it to the scan item.

This technology is available thanks to an NFC chip that simulates the card signal and transmits information over short distances in two to three seconds. The main condition for the success of the transaction is the presence of the corresponding microcircuit in the payment terminal that receives the signal. Today there are no problems, and such devices are available in almost every store.

Contactless payments are made using an NFC chip and software from various manufacturers - Apple Pay, Samsung Pay, Android Pay. So far they have spread to Russia.

How to pay with a Samsung Android phone in a store instead of a Sberbank plastic card? Before payment, a bank card is added to the tool. This process is simple - the smartphone is inserted into the reader on the terminal, the funds are transferred to the seller’s account.

It is worth noting that this method of transferring money has a number of advantages:

• The transaction is carried out in compliance with all security requirements. Information is sent over short distances, the action takes a few seconds; criminals do not have time to find the information they need and use it for their own gain. Each transfer process is accompanied by a user fingerprint scanner or security code entry. The transfer amount of more than one thousand rubles is confirmed by the credit card code;
• simple interface. If you don’t yet know how to pay with your phone instead of a card, just bring your mobile device to the reader, everything else will happen automatically;
• The payment transaction takes little time. This is ideal for consumers who value every second of their time. New technology has reduced customer queues.

How to pay?

Detailed instructions:

1. Launch Samsung Pay. You can do this by swiping your finger across the screen from bottom to top.
2. In the application, select a card if you have several of them, and the default is not the one you want to pay with at the moment.
3. Use your authentication security tool - fingerprint scanner, iris scanner or pin code.
4. Place the back of the device on the reader and wait for payment confirmation.

Adding a map

To add a new card you need:

• Go to the appropriate section in the application.
• Scan the card using your camera.
• Check the data is correct.
• Confirm that there are no errors during scanning.
• A text message with a code will be sent to the phone linked to the card.
• Enter the received password to confirm the binding.
• Now you can make payments using this card; you will always have it with you.

Important! To pay for purchases using a contactless method, the NFC module must be enabled on your phone. If you disabled it to save energy, be sure to activate it to complete the operation. It is through NFC that the necessary information is transmitted to complete the payment.

Additionally, Samsung Pay is supported by some online resources. If this service is available on the website or application, the system will prompt you to make a payment through it.

How to use Samsung Pay - step by step instructions

Samsung Pay also allows you to make money transfers. You can quickly send funds to another user without logging into online banking systems for this purpose, saving time.

You can also store loyalty cards in the application. Pre-scan and add plastic to the program. In the future, it is enough to show the barcode of the card at the checkout for reading.

Which banks work with Samsung Pay?

Various banks in the Russian Federation cooperate with the Samsung Pay service. For example, Sberbank, VTB, AlfaBank, etc.

The company does not provide a list of financial organizations cooperating with it. You can check whether the desired bank is connected on the page https://www.samsung.com/ru/apps/mobile/samsungpay/partners/.

Enter the name of the financial institution in the form, the system will provide the necessary information about Samsung Pay support.

Reviews about the Samsung Pay service

Take the opinions of mobile device owners about the contactless payment service from the Otzovik website.

• User kornei considers this service very convenient and innovative. He filled it with all available bank cards and no longer carries them with him. The client uses a Galaxy S7 smartphone, which fully supports contactless payment, without restrictions. Samsung Pay only started working after all the latest updates for the phone. The user considers the only drawback to be the inability to support all types of cards;
• Client zxcvbn381 first used the contactless payment service in 2022. Since then he has been actively using it. He likes the level of security that Samsung has built into its app. Using the program saved the client from having to carry multiple bank cards. The only negative is constant advertising that cannot be turned off, but he hopes that they will stop inserting it into the application in the near future;
• User Anonymous1484453 previously used the Apple Pay payment system, but after purchasing a new phone, he switched to Samsung Pay. He is happy with everything, since, in his opinion, these are two identical technologies in the same design. But there is one exception: compared to Apple, Samsung Pay is slower.

What cards are compatible with the service?

If your gadget supports contactless payments and is equipped with an NFS module, remember that not all credit cards are compatible with this service. For example, Samsung Pay does not support the Sberbank card.

Users will be able to pay for goods and services using Samsung Pay Visa or Samsung Pay Maestro; the service remains unavailable for other banking products, but the developers assure that the issue will soon be resolved positively.

Available on which mobile devices?

Process all three payment requests separately.

The main condition for their connection is the presence of an NFC microchip that transmits information.

Android Pay applies to almost all gadget manufacturers - Sony, Honor, Huawei, Alcatel, Samsung and others, which sets it apart from its competitors. In this case, Android software version 4.4 must be installed on the mobile phone.

Samsung Pay works on smartphones released after 2016. This includes the S line from version 6, Galaxy Note 5 (8), A5, A6, A10 series from 2016, Samsung A50 for Android, Samsung J3 (5, 7) from 2017.

Apple Pay is available on the following mobile gadgets:

• iPhone from version 6;
• iPhone SE;
• Smartphones 1st and 2nd generation.

Samsung Rewards

The Korean vendor has introduced a program for all technology owners. When paying through Samsung pay, customers receive additional points, which depend on the purchase amount. After accrual, they can later be spent through the Samsung online store.

The program is called Samsung rewards, and it works according to the following principle. For each amount spent, the client is awarded points. The minimum value is 10 points. Next, the number of points received is multiplied by the user coefficient, which depends on the client’s status.

Initially, each new user has the “Beginner” status.

If a smartphone owner constantly uses contactless payment technology and makes at least five purchases a month through Samsung Pay, then the coefficient increases from one to two. Now the user receives “silver” status.

Points accrual scheme depending on client status

As you can see from the screenshot above, to get the next level as a mobile device owner, you need to make at least twenty purchases per month.

And to obtain the highest Platinum status – 30 operations.

In order for the status to remain up to date, purchases must be made monthly; as soon as the user stops using Sasmung pay, his status is reset.

It is also worth noting the additional promotional programs offered by partners. For example, when using the Samsung Pay service with a linked Moscow Credit Bank card, the smartphone owner receives a cashback of 10% of the amount spent.

Another option for promotional programs is a permanent discount on goods or services when paying through Samsung Pay.

More details about all current promotions can be found on the company’s official website.

It is recommended to constantly check the company’s mobile application or portal to stay up to date with current promotions or advantageous offers.

Sometimes after an update, the Samsung rewards service disappears in the Samsung Pay application. In such cases, you should go to the program settings, the “Help” section, then “Adding a Rewards card”.

The application will automatically contact the vendor’s cloud storage and scan the user’s data again.