What devices does Samsung pay work on? How to pay using Samsung Pay. New terminals that support contactless payment

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Modern technologies in the banking and financial sector have made great strides, making it possible to carry out transactions without leaving home. But even this is not an aisle today, as many banks strive to issue contactless cards with certain functionality and a corresponding application for smart gadgets. Such a large company as Samsung did not stand aside, offering all its users and many Russian citizens modern technologies in a contactless payment option for services and purchases.

Samsung Pay in Russia is an application that will allow you to quickly complete a monetary transaction; it can work together with a modern gadget, allowing you to use your smartphone as a card or check payments using this device at the time of receipt of payments or expenditure of funds.

Having entered the Russian markets, the company was able to find relevant opportunities to distribute its offer to many Russian banks. So today, payments made using Samsung Pay Visa Sberbank are very popular. The service allowed everyone to control their expenses without resorting to cash or regular cards.

Which phones support Samsung Pay

At this point in time, the devices used can connect any card from an account serviced by Sberbank, from the MasterCard company.

What devices does Samsung Pay work on:

Samsung Galaxy S7 edge|S7
Samsung Galaxy A5 (2016) / A7 (2016)
Samsung Galaxy Note5
Samsung Galaxy S6 edge+
Samsung S6 edge|S6 (NFC only)

Using them, you can perform all necessary transactions for payment or transfer of funds from a bank card, at the time there are funds in the account or card balance.

Each user will need to make a payment via Samsung Pay by touching the screen of their smartphone. It could be one of the Samsung Galaxy models listed above. Next, it will be enough to select the card used for payment and, after authorization and using fingerprints, carry out the payment or the required monetary transaction.

A high-quality security system has been specially developed for the user, which includes three-level protection, namely:

fingerprint authorization is required for each calculation;
tokenization;
Samsung KNOX.

All transactions are accepted in all stores or shopping centers where a chip card or a card with a magnetic stripe is used. Another significant advantage of this application is its support for MST (Magnetic Secure Transmission) technology. And all payments made are additionally protected and processed through MasterCard.

First of all, it is worth mentioning price of use Samsung Pay. Samsung does not charge any fees and the Samsung Pay service you receive is completely free feature. But this applies only to issuing banks, acquiring banks and trading enterprises collaborating with this technological platform.

Connection instructions

Every user of a smartphone from Samsung, taking into account the models described above, can connect this technological solution. Ensuring that Samsung Pay is used reliably and securely.

First of all, you need to download the Samsung Pay application via Android on your smartphone. This can be done completely free of charge, as mentioned above.

The operation to connect this service and the possibility of money transfers will include just 4 steps, namely:

1. We open the application, launch it using fingerprints (fingerprints will later act as identification of the user and one of the barriers to making payments);

2. Adding a card from Sberbank and adding an agreement from Samsung, after waiting for the SMS confirmation, enter the sent code on your smartphone;

3. After entering the SMS code, you will need to add a signature using your finger or stylus;

4. The card has been added and up to 10 bank cards can be added to one device.

You can read more about how to activate the Samsung Pay service through Sberbank Online on the official Sberbank website at the link: http://www.sberbank.ru/samsung-pay

After completing these operations, you will be able to secure the cards you have from Sberbank for use and allow yourself to safely and more modernly carry out all the necessary transfers or payments for purchases.

How to pay for a purchase using Samsung Pay

How does this service work? Making the necessary purchases with it will be even simpler and easier. At the same time, developers from Samsung were able to achieve a serious security system that will ensure the reliability of data storage and the transfer of all necessary funds transfers, within a careful time frame. Thus, allowing you to make any kind of purchases, if you did it using your usual bank card or Internet banking.

At the same time, the number of transactions performed is unlimited and no service fee will be charged for using the application.

All payment is made in three stages, namely:

Swipe up from the bottom of the screen to activate the application on your Samsung smartphone;
Authorization confirmation using fingerprints;
Bring your smartphone to the terminal to make a payment and make a purchase.

After which the funds will be transferred and any kind of purchases will become available to each user. In this case, there is no need to show the front side of the smartphone; it is enough to hold it at a close distance from the terminal.

Before starting to use the proposed solution from Samsung, many people wonder how it differs from Apple Pay, which was previously introduced into use in Russia. And what Samsung Pay can provide, taking into account security or new opportunities for each user.

1 difference. For example, a significant difference will be that the Samsung application can be used on several cards and banks in Russia. And these banks will act as partners and officially allow payments without commission. Here list of banks for Samsung Pay:

Alfa Bank
VTB 24
Raiffeisenbank
Russian Standard Bank
Yandex

2 difference. It can also be noted that the Samsung Pay application has support for cards with magnetic stripes. A wider range of smartphones that have access to this function and application than Apple Pay. The cheapest model for Samsung Pay can be purchased for only 24,000 rubles, and to use the Apple Pay application you will have to buy a phone, the minimum cost of which is 35,000 rubles.

See also the video of Apple Pay and Samsung Pay in Russia, how it works:

Over the past few years, residents of Russia have been able to use the Samsung Pay payment service. This system allows you to make payments using NFC contactless technology. You can pay with Samsung Pay not only for online purchases, but also for travel on public transport.

Where can I pay with Samsung Pay?

Typically, a user can pay for goods and services using such systems if NFC technology is supported. But in the case of Samsung Pay, you can transfer funds using regular payment terminals designed for bank cards. This significantly expands the capabilities of clients.

Terms of payment

Before paying with Samsung Pay, you need to connect to the system. And for this it is necessary to meet a number of conditions. This primarily applies to mobile phones. It must be issued by the appropriate manufacturer and support contactless payment technologies.

Currently, Samsung Pay is only available for the latest, more modern smartphone models. These include Samsung Galaxy A7, Samsung Galaxy A5, etc. The next condition is to install the appropriate application on your phone. But this is not enough to start using the service. You need to link your bank card from which payment will be made.

This can be done using the following instructions:

Open the application and log in (enter your PIN code or place your finger on the scanner).
Find the bank card symbol and click.
You can enter your credit card details manually or take a photo of it on your phone. The system automatically recognizes the necessary information.
Next, you need to agree to the terms of the service and the bank.
To confirm registration, you must press the “SMS” button. After this, a code will be sent from the bank, which must be entered in the appropriate box.
Then you should confirm the operation (use a PIN code, fingerprint scanner or stylus to enter a signature).
Click "Done".

Help: according to the rules, a user can connect no more than 10 bank cards to one smartphone.

As for financial institutions, contactless payments are supported by all the largest banks in Russia. Therefore, the owner of a Samsung smartphone will not have problems with connection.

Read also Payment for purchases on eBay: convenient methods and instructions for them

How to pay Samsung Pay online

When purchasing goods and services online, the buyer can always choose several payment options. Usually the standard ones are used - a bank card (you need to provide details), payment system (WebMoney, Qiwi), etc. But if the client has the opportunity to choose Samsung Pay, the transfer will be carried out very quickly.

Payment for goods via Samsung Pay on the Internet is carried out as follows:

First, the user needs to select the service as the transfer method.
Click "Pay with Samsung Pay".
Enter your username and password to log into your system account.
A request will be sent to the payer’s phone asking to confirm the transaction.
Confirmation is carried out using a fingerprint scanner (or PIN code).
After this, the required amount will be withdrawn from the bank card.

If you follow these instructions, the user will not have any problems with online payment.

Is it possible to pay with Samsung Pay for the metro?

Nowadays contactless payment for travel will not surprise anyone. This is convenient because you don’t have to wait in line. Just take out your phone and within a few seconds the payment will be made. The algorithm for paying for metro travel via Samsung Pay is as follows:

You need to take out your smartphone and go to the turnstile.
Launches the installed application.
Bring the phone to a special device (reader).

The system automatically withdraws the required amount from the card to pay for the trip. After this, you can go through the turnstile. Using Samsung Pay, you can pay for the metro or other means of transport by purchasing a ticket at the ticket office.

Safety

Even advanced users are often wary of making payments using their mobile phones. The problem is that you need to provide personal data that is stored in a special application. But your phone could be stolen or your financial information could be accessed in other ways.

A new modern payment system, Samsung Pay, has launched in Russia, the main focus of which is working with mobile phones and smartphones. In Russian it sounds like Samsung Pay and, as you probably already guessed, its author and developer is a South Korean company. Today, the user base of the service has already exceeded 1 million people!

Now your phone is your electronic wallet. Simple, fast, convenient!

What is her “trick”? In simple words, the peculiarity of this function is that thanks to it you can not carry a credit card with you, but simply bring your mobile phone to the terminal and pay with it.

How it works in theory

Payment is very simple. To pay, just open the application by swiping up and bring your phone to the bank terminal, confirming the purchase. All user data is stored in encrypted form, and information about virtual cards is transmitted to the terminal, which allows you to keep real data safe. No commission is charged.

Instructions for use

To take advantage of all the delights of the newest mobile payment system, you must first install the Samsung Pay application on your smartphone. To do this, open the Google Play Store and use the search to find the application. Alternatively, you can follow this link.

Click on the “Install” button and wait for the process to complete.
Next, launch the installed program. First you need to configure it. The first step is to create a virtual Samsung Pay card. To do this, click on the “+” icon (Add card).
Now you need to take a picture of the plastic with the main phone camera
After this, data verification will start
Next, you will need to enter your signature into the program database.
If the verification was successful, you will receive an SMS with a confirmation code, which must also be entered in the application window
After this, you will receive a message stating that the card was successfully added.
Now it will appear in your wallet

This way you can add all bank cards to the database and no longer carry them with you. Now you can go to the store!

We use a virtual card for payment

So, you are standing near the checkout in a supermarket or cafe. How to pay for a purchase or service using Samsung Pay?

First you need to swipe up, that is, press your finger at the very bottom of the screen and pull it up:
The payment application will open:
Then you need to confirm your identity by placing your finger on the fingerprint scanner.
Now we bring the Samsung phone to the bank terminal at the moment when the word “Insert card” is lit on it:
We enter the last 4 digits of the number, complete the transaction and receive a check. The Samsung Pay payment has been completed successfully and you can put your phone in your pocket!

Let's make sure the smartphone is on the list

The new contactless payment service only works on the following devices:

Galaxy S7 (SM-G930F)
Galaxy S7 edge (SM-G935F)
Galaxy S6 edge+ (SM-G928F)
Galaxy Note5 (SM-N920C)
Galaxy A7 2016 (SM-A710F)
Galaxy A5 2016 (SM-A510F)
Galaxy S line (from series 6*)
Galaxy A line 2017
Galaxy Note 5
Gear S3

Galaxy S6 and S6 Edge support payment only using NFC technology. Work via MST is not available on these models.

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

Unique data protection methods in Samsung Pay

“Tokenization” of data is the first circle of protection of user data. The essence of the method is to replace real user data (numbers, full name of the owner, etc.) with virtual ones. When a card is activated in Samsung Pay on the user’s smartphone, the real card number is replaced with an encrypted digital code - a “token”, which is generated randomly.

The KNOX protected environment is the second circle of protection, which is an entire security system. This reliably protects the smartphone from possible attacks by various malware and constantly monitors potential threats to user data.

Even if a spyware virus gets onto the device, user data will remain securely encrypted in a protected “container” inside KNOX. Before registration, the security system checks the current firmware of the device.

If the smartphone is hacked, for example, attacked by viruses or an unofficial firmware version is installed on the device, the user will not be able to register a credit card. If the smartphone is hacked by the user himself to grant administrator rights - Root rights, the KNOX security system will block the Samsung Pay service and its use will be impossible even after re-flashing the device and removing Root rights.

Authorization using a fingerprint or PIN code is the third and final layer of protection. To pay for each specific purchase using the service, mandatory user authorization using a fingerprint or a unique PIN code is used.

Even if your smartphone falls into the hands of criminals, they will not be able to pay for goods via Samsung Pay without the fingerprint of the device owner or a PIN code that is known only to you.

Conclusion

The payment system from the South Korean company allows you to save precious space in your wallet by removing all unnecessary cards from there, which is very important for those who use the services of several banks at once.

The main advantage of Samsung Pay is the ability to use not only contactless payment terminals (NFC), but also classic magnetic terminals (MST).

Video

What is Samsung Pay?

Samsung Pay is a convenient, fast and secure payment service. It allows you to add up to 10 bank cards and pay for purchases using a smartphone in terminals with magnetic stripe and NFC, pay in online stores and applications, and also make money transfers using a token.

What is the main advantage of Samsung Pay?

Thanks to its proprietary MST (Magnetic Secure Transmission) technology, Samsung Pay is accepted for payment wherever you can pay for a purchase with a regular bank card using contactless technology or a magnetic stripe.

Which devices support Samsung Pay?

Samsung Galaxy S9 | S9+
Samsung Galaxy S8 | S8+
Samsung Galaxy S7 edge | S7
Samsung Galaxy S6 Edge+
Samsung Galaxy S6 | S6 Edge (NFC only)
Samsung Galaxy Note9
Samsung Galaxy Note8
Samsung Galaxy Note5
Samsung Galaxy A9 (2018) | A7 (2018) (NFC only)
Samsung Galaxy A8 | A8+
Samsung Galaxy A6 | A6+ (NFC only)
Samsung Galaxy A7 (2017) | A5 (2017) | A3 (2017)
Samsung Galaxy A7 (2016) | A5 (2016)
Samsung Galaxy J6+ | J4+ (NFC only)
Samsung Galaxy J7 (2017) | J5 (2017)
Samsung Gear S3 classic | frontier *
Samsung Gear Sport (NFC only)*
Samsung Galaxy Watch (NFC only)*

* Learn more about Samsung Pay support on wearables

Will Samsung Pay work on previous models that have NFC? (S5, S4, S3, Note 4, etc.)

I bought a smartphone in another country. Will Samsung Pay work in Russia or Belarus?

Samsung Pay is available on original Samsung products intended for distribution in the Russian Federation and the Republic of Belarus.

What cards can be added to Samsung Pay in the Russian Federation?

Bank	Mastercard	Visa	World
Bank Avangard	✓	✓
Bank Agroros	✓	✓
ATB		✓
AK BARS Bank	✓	✓
Almazergienbank		✓	✓
Alfa Bank	✓	✓	✓
Payment card "Beeline" / RNKO "Payment Center" (LLC)	✓
BINBANK	✓	✓
JSC "BCS Bank"		✓
Bank "RRB" (JSC)	✓	✓
CJSC Bank Vologzhanin	✓
Bank Vostochny		✓
VTB Bank (PJSC)	✓	✓
Gazprombank	✓	✓
Gazenergobank	✓
Bank "Devon-Credit"		✓
PJSC "Zapsibkombank"		✓
Bank ZENIT	✓	✓
QIWI Bank (JSC)		✓
LLC KB "RING OF URAL"		✓
Credit Europe Bank	✓
Credit Ural Bank	✓	✓
Payment card "Kukuruza" / RNKO "Payment Center" (LLC)	✓
PJSC "Kurskprombank"	✓
MegaFon / "Bank Round"	✓
Moscow Industrial Bank	✓	✓	✓
ICD	✓	✓	✓
MTS-Bank	✓	✓
Bank "Neiva"		✓
ORBANK	✓
Bank opening"	✓	✓	✓
Post Bank		✓	✓
PJSC JSCB "Primorye"	✓
PJSC SKB Primorye "Primsotsbank"	✓	✓
Promsvyazbank	✓	✓
JSC Bank "PSKB"	✓
Raiffeisenbank	✓	✓
Rocketbank	✓
RosDorBank	✓	✓
RosEvroBank	✓	✓
JSC Rosselkhozbank	✓	✓	✓
Russian Mortgage Bank	✓	✓
Russian Standard Bank	✓
Bank "Saint-Petersburg"	✓	✓
Sberbank	✓	✓
PJSC JSCB "Svyaz-Bank"		✓
SDM-Bank (PJSC)		✓
Citibank	✓
SKB-bank	✓
Bank "Snezhinsky" JSC		✓
PJSC "Sovcombank"	✓	✓
Bank SOYUZ (JSC)	✓	✓
Stavropolpromstroybank	✓	✓
Surgutneftegazbank		✓
Tinkoff Bank	✓	✓
Dot	✓
JSC "TROIKA-D BANK" (trademark "Alma Bank")	✓
JSC "URALPROMBANK"		✓
Bank URALSIB	✓	✓
LLC KB "Uralfinance"		✓
Ural Bank for Reconstruction and Development	✓	✓
JSC "Bank Finservice"		✓
Home Credit Bank	✓	✓
PJSC CB "Center-invest"			✓
JSC JSCB "CentroCredit"	✓
Chelindbank		✓	✓
Chelyabinvestbank	✓	✓
CB "Energotransbank" (JSC)	✓	✓
Yandex money	✓

What cards can be added to Samsung Pay in the Republic of Belarus?

You can add cards from the following partners to Samsung Pay:

When will there be support for this or that bank, this or that payment system?

Detailed information about Banks and payment systems whose cards can be added to Samsung Pay is available on the page and in the “Which cards are supported” notification in the application in the “Notifications” menu.

If your Bank is not on the list, contact the Bank's customer support service for information about supporting the Samsung Pay service.

What fees does Samsung charge for transactions through Samsung Pay?

Samsung does not charge any fees for using the service or making transactions.

How to remove Samsung Pay?

Samsung Pay can be completely removed only on S9|S9+, S8|S8+, Note 9, Note 8, A8|A8+, A6|A6+. On other devices, Samsung Pay cannot be deleted (you can turn off notifications from this application).

Samsung Pay security

Why is Samsung Pay safe?

Your card details are not stored on your device or Samsung servers. Instead of a real card number, a special digital code created at random - a token - is used when paying.

Each transaction must be confirmed by your fingerprint, iris or application PIN code - only you can make purchases.

The built-in Samsung Knox security system ensures data protection regardless of the operating system on the device, and blocks access to Samsung Pay data if malware, Root rights or unofficial firmware is detected.

Does Samsung Pay have access to a bank account?

No. Samsung Pay does not have access to a bank account.

Your card information is not stored in Samsung Pay either on your device or on Samsung servers. Only card token data is used to complete transactions.

I forgot my Samsung PIN. How to recover?

The app PIN cannot be recovered for security reasons. If you forgot your Samsung Pay PIN:

Clear your Samsung Pay app data. All payment data will be deleted from the smartphone.
Sign up for Samsung Pay again.
Re-add your payment cards (to do this you will need to re-verify the card using the code from the SMS from the Bank).

What can you do if your smartphone is stolen or lost?

If your device is lost or stolen, your payment information is protected by requiring user verification using your fingerprint, iris, or app PIN to complete every transaction using Samsung Pay. You can also block or delete all data from the device (including Samsung Pay data) through the service.

*The “Remote control” function must first be enabled on the device (Settings - Lock screen and security - Find phone).

Will the information from Samsung Pay (card details, etc.) remain if the device is reset?

No. If you reset the settings, all data from Samsung Pay will be deleted.

The smartphone has non-original firmware installed or root rights have been obtained. Will Samsung Pay work?

No. Samsung Pay is a payment service that should reliably protect payment data. Samsung Knox's built-in security system ensures data protection regardless of the operating system on the device, and blocks access to Samsung Pay data if malware, root rights or unofficial firmware is detected.

Launching Samsung Pay for the first time and adding a card

How to start using Samsung Pay on your smartphone?

Update your smartphone firmware to the latest version.
Find the Samsung Pay application in the menu and launch it.

If the application is not on your smartphone, find it in Galaxy Apps and install it.

If there is no such application in Galaxy Apps:

a) perhaps your smartphone is not intended for the Russian or Belarusian market;

Samsung support.

c) the smartphone does not support Samsung Pay.

You can find a list of devices compatible with the service on the website in the “Which devices work with Samsung Pay” section.

Sign in to Samsung Pay with your Samsung Account and accept the Terms of Service. Then click "Launch".
Set up a verification method that is convenient for you (by fingerprint, iris or application PIN code) to confirm payments.

How to add a card to Samsung Pay on a smartphone?

On the Payment screen, click the Add Card button.
Scan the card using your smartphone camera (or enter its details manually). Accept the Bank's Terms of Service.
Click on the SMS button to verify the Bank card holder. A one-time code will be sent via SMS to the phone number linked to your card at the Bank. Enter the code and click "Submit".
Enter your signature using your finger or stylus. Map added! You can add up to 10 payment cards to one device.

A signature may be required if the store cashier wants to compare the signature on the card and on the receipt.

How to start using Samsung Pay on Samsung wearables

Connect your device to a compatible smartphone using the Galaxy Wearable mobile app.
On Galaxy Wearable, tap Open Samsung Pay, sign in to Samsung Account, and tap Add Card.

If you don't have the Galaxy Wearable app on your smartphone, find it in Galaxy Apps and install it.

If the Payment section does not appear in Galaxy Wearable:

a) perhaps your device is not intended for the Russian or Belarusian market;

For detailed information on supporting Samsung Pay on your device, please contact Samsung support.

b) the smartphone has non-original firmware;

You can find out more about Samsung Pay support on Samsung wearable devices on the website in the “Which devices work with Samsung Pay” section.

Set up a PIN screen lock on your device.
Open Samsung Pay on your device by holding the Back key. Click "Add Card".
On your smartphone in Galaxy Wearable, scan your bank card (or enter its details manually), accept the Bank's Terms of Service and complete the verification using the code from the SMS from the Bank
Map added! You can add up to 10 payment cards to your wearable device.

Which card is installed by default in Samsung Pay?

Samsung Pay does not have a default card. Swipe up from the bottom of the screen to select a card - the card you last used or viewed will appear.

What to do if the card has been reissued?

Remove the old card and add the reissued card.

The card is not added. What to do?

Make sure you are adding a card from a supported bank and payment system.

If the card is supported, contact the Bank and find out if this card has restrictions on use in the Samsung Pay service. If there are no restrictions, but the error persists, contact Samsung support.

Is it possible to add a card to Samsung Pay from the Bank's mobile application?

Yes. At the same time, you will not need to enter full card details in the Samsung Pay application to add it. In the Bank application, in the card menu, click the “Add to Samsung Pay” button and accept the Bank’s Terms of Service. Map added!

The following banks currently support this function:

How to pay with Samsung Pay

How to pay with a Samsung Galaxy smartphone?

Swipe up from the bottom of the screen to select a card in Samsung Pay
Log in using your fingerprint, iris or app PIN code
Bring your smartphone to the terminal to pay

How to pay using Samsung wearables?

To open Samsung Pay, press and hold the Back key
Select a card by rotating the bezel
Click "Pay" and bring it to the terminal

Payment at any terminal using Samsung MST technology can be made using the Samsung Gear S3 device.

How to pay using Samsung Pay in online stores and applications?

When placing an order in the online store* or in the store’s mobile application**, click “Pay with Samsung Pay”, enter your Samsung Account and confirm the purchase on your smartphone (using your fingerprint, iris or Samsung Pay PIN).

*The online store web page can be opened on any device (smartphone or computer) in any browser. Online purchase confirmation is only available on smartphones that are compatible with Samsung Pay.

**Only on a smartphone with activated Samsung Pay.

The list of online stores and applications that support payments using Samsung Pay will expand in the near future.

Do you need an internet connection to use Samsung Pay?

An Internet connection is required only for adding a card to the application, making online purchases and money transfers. To pay at payment terminals at retail outlets, you do not need Internet on your device.

How to view your purchase history in Samsung Pay?

Samsung Pay displays your 10 most recent purchases. To view it, select a card from the list and open it.

The display of information about completed purchases in the Samsung Pay transaction history depends on the data received in the notification from merchants and the payment system (provided the device is connected to the Internet).

Can I use Samsung Pay abroad?

Cardholders of Samsung Pay partner banks in Russia and Belarus can make purchases in any country in the world where bank cards of Mastercard and Visa payment systems are accepted for payment.

The possibility of international purchases depends on the Issuing Bank. Before traveling abroad, check with your Bank to see if payment by card via Samsung Pay is possible abroad.

How can I return a purchase if I used Samsung Pay?

Returns of purchases occur in the same way as with regular purchases - in accordance with the laws of the Russian Federation or the Republic of Belarus and the rules of the store. To return a purchase, you must contact the store.

To return a purchase made with a card token using Samsung Pay, you must use the same card token.

If a return requires a written application with a bank card number, then enter the number of the bank card that is linked to Samsung Pay.

Money transfers to Samsung Pay

How to make a money transfer from card to card using Samsung Pay?

Swipe up from the bottom of the screen to open Samsung Pay
Select a card and click the “Money transfers” button
Specify the recipient by phone number from the contact list or manually (or enter the recipient's full card number)
Enter the transfer amount and message for the recipient
Accept the Terms of Service of the Money Transfer Operator and confirm the transfer using your fingerprint, iris or app PIN code

When using the service for the first time, you must accept the Terms of Use of the Samsung Pay Money Transfer service, then confirm your phone number (using a one-time code via SMS).

The recipient does not need to be a Samsung Pay user.

The Samsung Pay Money Transfer service is available only on smartphones compatible with Samsung Pay. Transfers are made between Mastercard / Visa cards of Russian banks in rubles. To send a transfer, the smartphone must be connected to the Internet.

What does the Recipient need to do to accept a money transfer using Samsung Pay?

Receiving a money transfer sent using Samsung Pay to the card number (Mastercard or Visa) of the Recipient occurs automatically. To receive a transfer, your smartphone must be connected to the Internet.

If the recipient is a registered user of Samsung Pay Money Transfers, he will receive a push notification about the transfer, upon opening which the recipient will select a card token added to Samsung Pay to receive the transfer.

To receive transfers to this card automatically, you need to check “Use this card to receive transfers by default.” You can change the default receiving card in the “Money transfers” - “Settings” menu.

If the Recipient does not have any payment cards added to Samsung Pay, when receiving the transfer, the application will offer to add the first card to Samsung Pay.

If the recipient is not a Samsung Pay user, he will receive an SMS message from the Money Transfer Operator with a link, following which he will need to confirm his phone number and indicate the card number to receive.

To receive transfers to this card automatically, on the transfer receipt confirmation web page, check the box “Remember the card, I agree to saving the data for subsequent transfers.”

To change the card for receiving the transfer, click “Change card” on the confirmation page for receiving the transfer and enter the number of another card.

How can I view the history and status of money transfers?

To see the history of current and completed transfers, go to the “Money transfers” - “History” menu.

The transfer is displayed with the status “Incomplete” until it is accepted by the Recipient. After the Recipient confirms its acceptance, the transfer is displayed with the status “Sent” (or “Received” in Samsung Pay on the Recipient’s device). The waiting period for Recipient confirmation is up to 5 days.

Confirmation of the completed transfer will also be displayed in the Bank card account statement, in the Bank's SMS notification about transactions (if such a service is activated at the Bank for this card).

Can I cancel a money transfer sent to Samsung Pay?

Recipient confirmation is required to complete the transfer. In this case, the amount on the Sender’s card will be blocked until the Recipient confirms receipt of the transfer. The waiting period for Recipient confirmation is up to 5 days.

If the transfer is canceled by the Sender, or after the confirmation period has expired, the transfer will be canceled and the transfer amount will be returned to the Sender's card. You can check with the Bank that issued your card for information about the deadline for returning a canceled transfer.

After the Recipient confirms receipt of the transfer, the Sender will display this transfer in the “History” - “Completed” menu with the status “Sent”. It is not possible to cancel a completed transfer.

Additional features

How to add club cards to Samsung Pay?

You can add barcoded club cards to Samsung Pay. Select “Club Cards” on the Home page and click “Add”. Then, select the club card you need from the list of cards, scan the card’s barcode or enter its data manually.

To use the added club card at the checkout, add it to the “Payment” section (in “Menu” - “Settings” - “Quick access”), or select it from the “Club cards” list. When you click on the “Tap to Use” field, the barcode and card number will be displayed on the screen. Present the barcode (or card number) on your smartphone screen to be scanned at the checkout.

Is it possible to select a financial product (loan, credit card or deposit) in Samsung Pay and submit an application for its processing?

Yes, to do this, click “Advanced” in the Samsung Pay main menu and select the service category you are interested in (credit card, loan, deposit).

You can select the product that best matches your search criteria, or select other products from the list below (which can be sorted by bank). You can also compare products with each other.

After clicking the “Submit an application” button, you will be redirected to the web page of the organization (bank) providing this financial product to fill out an application for it. You can obtain detailed information about the product by contacting the organization using the contact information specified in the product details.

The Financial Services feature is available in Samsung Pay app version 3.6.22 and higher.

Information about active offers of organizations is provided and the transfer of applications to credit organizations is provided by LLC IA Banki.Ru.

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Today, cash is gradually disappearing from use and most purchases are made using plastic cards. Everyone has cards; salaries, stipends, pensions, and so on are credited to them. Each retail outlet must have at least one terminal for payment using a plastic card. Bank cards have become an integral part of our lives and the destruction of cash is only a matter of time.

The next step in technology development is contactless payment. Many cards already support this technology and allow you to make purchases just by tapping the card on the terminal. This technology has served as a catalyst for the emergence of specialized chips and payment systems in devices that we literally never let go of - our smartphones.

In 2016, the Samsung Pay service was launched in Russia, which allows owners of phones from the Samsung Galaxy series to make payments from bank cards without using the bank cards themselves. The article will discuss how Samsung Pay works, how secure it is, and what difficulties users will encounter. Let's compare the technology with competitors' solutions.

System requirements

First, you should find out which devices Samsung Pay works on. This technology requires not only software innovations, but also hardware ones, so you need to make sure whether your smartphone supports this technology or not.

So, the Samsung Pay payment system works with the following gadgets:

Samsung Galaxy S8;
Samsung Galaxy S7;
(with restrictions);
Samsung Galaxy Note 5
Samsung Galaxy A7
(2017);
Samsung Gear S3.

These are those devices from Samsung that are equipped with NFC or MST chips and support modern software.

Unlike Apple or Google products, Samsung Pay seems quite limited because the number of supported devices is significantly lower. In the case of Apple, we get support for all smartphones released since 2014 (since 2013, if you connect, and in the case of Google, we support any gadgets on which you can install the official Android version 4.4, and there are hundreds of thousands of them in the world.

As is the case with other payment systems, the launch of the payment system was accompanied by a number of restrictions. For example, Sberbank entered into an agreement with Apple for an exclusive launch and for this reason Samsung lost the opportunity to connect this bank before the contract expired. Now the situation has stabilized and almost all popular banks work with all payment systems.

So, the banks working with Samsung Pay are as follows:

Sberbank.
BinBank.
GAZPROMBANK.
"Otkritie" (Rocketbank).
"Russian standard".
Tinkoff.
and the Yandex.Money electronic wallet.

It is important to understand which cards Samsung Pay works with. To connect to the payment system, you need a card that supports PayPass or PayWave technology. In the case of Visa cards, there are restrictions on the number of banks that work with Samsung Pay. The restrictions can be found on the company’s official website.

How to connect?

To start using Samsung Pay, you need to make sure that your gadget supports the payment system and download the application of the same name. When you log into the app, it will ask you to set a password (or fingerprint) for your screen lock. In the future, the pin code or fingerprint will be used to confirm transactions. Then you need to attach the card itself. This can be done in two ways: manually, by entering all the data, or automatically, by pointing the camera at it. The second option works well, but you still have to enter the CVV code yourself. If the card is suitable for the application, then this procedure will be immediately followed by a verification from the bank. You will receive an SMS with a code to activate the payment system; without it, you will not be able to make further payments. The last step is to add an electronic signature. It is needed very rarely, but when you need it, the card may not be nearby, and that’s when a digital signature will help you out.

Is it safe to use Samsung Pay?

The issue of security is of primary concern to users. New technologies are always intimidating, especially when it comes to money. Even bank cards themselves were difficult to accept. Regarding safety, things are as follows. In a nutshell, Samsung Pay is the safest payment method, much safer than regular cards. In more detail, smartphones use a special tokenization system. When a user tries to make a payment, the phone does not use the data from the card, but creates a digital copy of it, unique each time, and shares it with the terminal. The terminal contacts the bank and reports successful payment (unless, of course, you have run out of money). Data about tokens is stored in the gadget itself, so you can pay for something even without the Internet.

We should not forget that each purchase must be confirmed, and for this the user must enter a PIN code or place his finger on the fingerprint sensor. Even if an attacker sneaks up on you unnoticed with a portable terminal, he will not be able to steal a penny from you, since he will not be able to confirm the payment.

But what about viruses and hacking of the operating system? Android is far from being as secure as iOS? It's actually not that bad. Samsung has implemented its own protection mechanism into the system, which continuously scans the system for malware and vulnerabilities, and if a virus does get into it, the Samsung Pay service will be blocked and payment data will be erased.

How does Samsung Pay work?

Let's move on to payment. Samsung Pay works just like a regular bank card. Moreover, like any card, and not just one that supports NFC. The fact is that not all terminals in Russia support NFC. Many still work only with magnetic tape, so some phones cannot be used to pay. This applies to iPhone and all Android devices except Samsung. When paying on older terminal models, proprietary MST technology is used. The phone creates a magnetic field similar to that created by a magnetic bank card. The terminal reacts to it and accepts payment. Therefore, the answer to the question “where does Samsung Pay work?” sounds like this: "everywhere".

Possible problems

Already at the start, when the technology began to be introduced to the masses, users faced a number of problems.

Take another look at which phones Samsung Pay works on. Users often ignore this simple task and run to complain on forums that the technology does not work as stated.
Make sure your phone has the latest operating system. You need to go to the settings and check the firmware version so that the phone downloads the latest updates.
Even if you have installed the latest version of the operating system, the software may not work in your country. For example, Samsung Pay did not work with the S7 until the necessary work was carried out on the manufacturer's side to launch the service. It might be worth waiting a bit. Do not forget that you must have the original firmware installed, without root rights. If you hacked the system or bought the phone second-hand, contact the official service center, where they will restore the original firmware for you.
Don't forget that to use any service from Samsung, you need a personal account, which the phone prompts you to create at launch. If you haven't done so yet, go to Settings and find the Accounts submenu there.
In the case of smartphones from the Galaxy S6 line, payment via MST does not work, so before paying, make sure that the terminal supports contactless payment (usually these have a corresponding icon in the form of waves).

Promotions and discounts

To attract users to the new technology, Samsung has agreed with a number of Russian brands to organize advertising campaigns. One of these was the “Pay with your smartphone” campaign. Movie tickets". According to the terms of the promotion, anyone who purchased a ticket through the Kinohod service through Samsung Pay received a 100% discount on their next purchase. There is currently a 50% discount on subway fares on the MCC line. In the US, Samsung has launched an even larger and longer-term campaign. There, every purchase made using the company's payment service allows you to accumulate points, which can then be spent on other products in the Samsung Rewards store. It is unknown when this service will reach Russia.

First impressions and reviews

Many owners of Samsung gadgets really liked the idea of combining a wallet and a smartphone. It's so simple! A smartphone is much more convenient and useful than cash or a card, and most importantly, it is always with us. Early feedback on how Samsung Pay works is encouraging. It’s already been a year since people have been using the payment system and are generally reacting positively to the new (for some, already familiar) experience. The system works in all major shopping centers; you can easily pay for fast food and subway rides using your phone. Many have already forgotten about where their bank card is, because it is no longer needed. Salespeople and cashiers do not always respond adequately to technology. The training was carried out in all major chains, but somewhere in the indoor market you may encounter puzzled looks or even fear, so be vigilant.

Instead of a conclusion

Samsung Pay has many advantages over regular bank cards. This is, of course, a very successful technology that will become more in demand over time. A wallet in a smartphone is exactly what a modern person needs to make parting with their hard-earned money even easier. It's convenient, safe and very fast, and after trying it once, you'll want to try again and again, because now you know how Samsung Pay works and you can do it. Nevertheless, do not forget to carry a card and some cash in reserve at first, because situations vary.

Works with terminals without an NFC chip.
Various payment protection options.
Discounts and promotions.

Does not work on jailbroken devices.
A limited number of smartphones working with the payment system.