Application for paying by phone on Samsung. Does Samsung Pay have access to the card account? How to pay with Samsung Pay

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. In each point of sale be sure to have at least one terminal for payment using 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, it was launched in Russia Samsung service Pay, which allows phone owners from Samsung series Galaxy make payments from bank cards without using the bank cards themselves. This article will talk about how it works Samsung Pay, how safe 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, payment system Samsung Pay works with the following gadgets:

• Samsung Galaxy S8;
• Samsung Galaxy S7;
• Samsung Galaxy S6 (with restrictions);
• Samsung Galaxy Note 5
• Samsung Galaxy A7
• (2017);
• Samsung Gear S3.

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

Unlike Apple products or Google, Samsung Pay seems quite limited because the number of supported devices is much lower. In the case of Apple, we receive support for all smartphones released since 2014 (since 2013, if you connect, and in the case of Google, any gadgets on which you can install 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 by Apple about the exclusive launch and on this reason Samsung lost the opportunity to connect this bank before the contract expires. 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 online wallet"Yandex money".

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 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 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 will do 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 will be an addition electronic signature. It is needed very rarely, but when you need it, the card may not be nearby, and then 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 scary, 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 most safe way payment, much safer than regular cards. In more detail, it is used in smartphones special system tokenization. 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 with a portable terminal sneaks up on you unnoticed, he will not be able to steal a penny from you, since he will not be able to confirm the payment.

What about viruses and hacking? operating system, Android is far from the security of iOS, is it? It's actually not that bad. Samsung has been integrated into the system own mechanism protection, 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 devices on Android based, except Samsung. When paying on older terminal models, proprietary MST technology is used. The phone creates a magnetic field similar to that created by 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 encountered 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 latest version operating system, the software may not be suitable for use in your country. For example, Samsung Pay did not work with the S7 until the manufacturer's side necessary work to start the service. It might be worth waiting a bit. Don't forget that you must have installed original firmware, without root rights. If you hacked the system or bought the phone second-hand, contact the official service center, there you will be restored to the original firmware.
• Don't forget that to use any Samsung service you need personal account, which the phone offers to create at the time of 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 new technology, Samsung company agreed with a number of Russian brands to organize promotions. One of these was the “Pay with your smartphone” campaign. Movie tickets". According to the terms of the promotion, anyone who purchased a ticket in the Kinohod service through Samsung Pay received a 100% discount on 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 generally react 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. Sellers and cashiers do not always respond adequately to technology. Instruction was carried out in all large networks, but somewhere in the covered market you may encounter puzzled looks or even fear, so be careful.

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.

Brief instructions for installing the Samsung Pay application on your mobile phone and linking bank cards

Samsung Pay technology, which has been operating in Russia since the end of September 2016, allows you to make payments safely, quickly and easily by simply tapping your smartphone on the payment terminal. How to install this program on the phone, what is required for work, we will consider in detail.

How to connect

In order to start using Samsung Pay you need next steps:

Registration will be completed in a few minutes; the phone will display the last four digits of the plastic number and the same number of digits of the digital code - a token that ensures the security of transactions. From now on, the smartphone can be used as a tool for making payments. Addition additional cards occurs by clicking the add icon and repeating all the described steps.

Important: you can add no more than ten to one smartphone different cards. If you want to pay for your purchase, you must select the one you need. By default, funds will be debited from the card that was added last.

How to launch the application

There are several options available to launch the application: swipe up from the bottom edge of the phone on the lock screen; on home screen; screen in sleep mode; or simply click on the application icon.

Smartphones that will be released later than the launch date of Samsung Pay in Russia will be equipped with technology from the manufacturer, provided that they have NFC modules and MST. And on previously released phones, the Samsung Pay service will become available after updating the operating system.

You can pay in almost any terminal, even if they do not have a Pay Pass system, as well as in cash registers equipped with a magnetic stripe. If the payment amount is over 1 thousand rubles. in the terminal using NFS technology, the device will ask you to enter the PIN code of your bank card.

What banks work

As of December 2016, the list of banks and payment systems working with Samsung Pay is shown in Table 1.

A new modern payment system has started operating in Russia Samsung system Pay, whose main focus 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”? If we talk in simple words, then 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 latest mobile payment system, you must first install samsung app Pay to smartphone. To do this, open Google Play Store and using the search we find the application. Alternatively, you can follow this link.

1. Click on the “Install” button and wait for the process to complete.
2. Next we launch installed program. First you need to configure it. The first step will be to create virtual card Samsung Pay. To do this, click on the “+” icon (Add card).
3. Now you need to take a picture of the plastic with the main phone camera
4. After this, data verification will start
5. Next, you will need to enter your signature into the program database.
6. If the verification was successful, you will receive an SMS with a confirmation code, which must also be entered in the application window
7. After this, you will receive a message stating that the card was successfully added.
8. 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?

1. First you need to swipe up, that is, press your finger at the very bottom of the screen and pull it up:
2. The payment application will open:
3. Then you need to confirm your identity by placing your finger on the fingerprint scanner.
4. Now we bring the Samsung phone to the bank terminal at the moment when the word “Insert card” is lit on it:
5. 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:

1. Galaxy S7 (SM-G930F)
2. Galaxy S7 edge (SM-G935F)
3. Galaxy S6 edge+ (SM-G928F)
4. Galaxy Note5 (SM-N920C)
5. Galaxy A7 2016 (SM-A710F)
6. Galaxy A5 2016 (SM-A510F)
7. Galaxy S line (from series 6*)
8. Galaxy A line 2017
9. Galaxy Note 5
10. Gear S3

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

List of payment systems and banks

At the end of 2016 the service Korean company 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 the card is activated in Samsung Pay on the user's smartphone, the real card number is replaced with an encrypted one digital code– “token” that is generated randomly.

The KNOX secure environment is the second circle of protection, which is the whole system security. 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 installed on the device unofficial version firmware - 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, 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 terminals with contactless payment(NFC), but also classical magnetic (MST).

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Paying for purchases from a smartphone is not that difficult; banking apps have been allowing you to do this for several years. But there is a certain trick to this: your bank must support this option at the application level, your smartphone must have NFC, and the payment terminal must be able to accept payments wirelessly. We all know that the more “ifs” there are, the more difficult it is to use the service and the less often we will resort to its capabilities. My experience suggests that I have never used wireless payments on a smartphone. Everyday life never, but there are several reasons for this. First, you need to take out your smartphone, launch the application, and enter the code on it. Secondly, it’s faster and easier to get a card, especially since there is no difference in how you spend your money. Both when paying through a banking application and when paying with a smartphone, you spend exactly the same money, so each of us chooses the usual method. My friend really came up with this idea a good option using a banking app, he installed it on his child when he sent him to summer camp. The stores did not ask for documents for payment, and the child could easily purchase what he needed, while the father saw all the payments. But this is such a niche story that talking about mass distribution such a scenario is not possible.

Many people transfer their experience of using banking applications to the emerging Samsung Pay service, which turns samsung smartphone into a payment instrument. But between the Samsung Pay service and separate applications There are big differences between banks, both in ease of use and in the bonuses that you can get without making any effort, just by continuing to use your money. Each bank applies to its applications exactly the same tariffs that your card has; there are no additional benefits when paying from a smartphone. Samsung Pay isn't trying to turn the Samsung Galaxy smartphone into the only payment tool, but is evolving with an eye toward a future where your Galaxy will seamlessly become not only the place where most of your life is stored, but also the payment tool that provides most of your money. your calculations. But today it is a full-fledged service that allows you to pay from a Samsung Galaxy smartphone anywhere, without exception. There is no need to look for terminals that support wireless payment, whether you took your wallet with you or forgot it at home along with all your cards, you will definitely never leave your smartphone behind. It's funny what modern man may leave home without money or bank cards, but none of us forgets our smartphone, because we can’t imagine our lives without it.

Not a single service allows you to pay on old terminals using a magnetic stripe from a smartphone; Samsung Pay has removed this limitation using MST technologies(from the English Magnetic Secure Transmission - magnetic secure transfer). You simply place your Samsung Galaxy smartphone on the side of the terminal to the card reader and it emulates the magnetic stripe of a bank card, which means you can use this type of payment wherever bank cards are accepted.

How safe is it, can your data be stolen with this type of payment? This is a question that concerns any person, because you trust your smartphone with your funds and you don’t want to lose them if it is lost or stolen. Samsung Pay put security at the forefront, but did everything so that it was convenient for you to use the service and ergonomics did not suffer. Let's look at the key security elements:

• Tokenization – when activating a card for Samsung Pay on your smartphone, the real card number is replaced with a special digital code - a “token”, created randomly, which is issued by the payment system and which is accepted by the issuing bank. Only the bank and the payment system have information about linking your real card number to the “token”, and they are reliably protected.
• When paying at any point of sale, it is not your bank card data that is used, but the “token” data issued by Samsung Pay and accepted by the payment system. This means that even if an attacker somehow intercepts the signal, it will be useless to him, since the “token” data is unique and works only for one payment, changing every time;
• Smartphones that support Samsung Pay have built-in security Samsung security KNOX, it monitors vulnerabilities in the smartphone, and also this encrypted space in which payment data is stored provides protection Samsung data Pay regardless of the operating system, that is, it additional protection compared with regular Android;
• You can make a payment only after successful authorization using your fingerprint or using the application PIN code, but the first method is much simpler and more convenient, and its security is beyond any doubt.

Complex technologies in everyday life should be simple. So, to call Samsung Pay, you don’t need any dances with a tambourine; even when the screen of your Galaxy smartphone is locked, you can pull up from the bottom and your card will appear, as well as the ability to pay for the goods within 30 seconds. You just need to bring your smartphone to the payment terminal.

The payment process is very simple and straightforward. But here the same question arises as for banking applications: why pay with using Samsung Pay, what is the difference with regular card? For myself, I found the answer in several scenarios, I will try to describe each of them.

I often start my day in a cafe, where I drink a cup of coffee with cheesecakes and read Twitter on my smartphone. When they bring me a bill with a payment terminal, I don’t have to reach into my pocket for a bank card, but simply tap my smartphone and pay my bill. It’s not worth considering this as saving time, the gain is not that gigantic, I’m just avoiding fuss. Another pleasant point is that after a week I simply stopped carrying my card with me, since the need for a piece of plastic disappeared, the smartphone completely replaced it.

But there is another plus that should not be discounted. All the nice goodies that are linked to my bank card do not disappear anywhere when paying with Samsung Pay, for example, I have cashback, it continues to work. But there are also various offers from Samsung where you can save money. You need to look for these offers.

Let's take a look at what you'll get if you pay for coffee at Shokoladnitsa using a Raiffeisenbank card using Samsung Pay. And you will receive a 50% discount on drinks.

Nice discount? Undoubtedly. It’s one thing to pay 200-250 rubles for a cup of coffee, and quite another to pay half as much. And this can be done an unlimited number of times. Do you think this is where the bonuses end? Not at all. By registering your card with Samsung Pay, you can get two movie tickets, this is an offer from the MasterCard payment system.

Samsung, in turn, gives a discount on accessories, and this is also a significant discount - from 15 to 30%.

How would you like a refund of 1,000 rubles to your Raiffeisenbank account when paying with Samsung Pay for three purchases in the amount of 500 rubles or more? It turns out to be very profitable.

These are one of the first promotions that are offered along with Samsung Pay; new interesting bonuses will be constantly offered, which are pleasant to receive, and most importantly, they do not require any costs from you. It's like a win-win lottery where you always win if you keep an eye on what's being offered as bonuses from Samsung Pay. Let me remind you that all your bonuses from the bank go independently and you continue to receive them.

In order to install Samsung Pay, it takes at most five minutes, after which you will be able to use it immediately. The list of supported smartphones is as follows:

• Samsung Galaxy S7 (SM-G930F)
• Samsung Galaxy S7 edge (SM-G935F)
• Samsung Galaxy S6 (SM-G920F) – NFC only
• Samsung Galaxy S6 edge (SM-G925F) – NFC only
• Samsung Galaxy S6 edge+ (SM-G928F)
• Samsung Galaxy Note5 (SM-N920C)
• Samsung Galaxy A7 2016 (SM-A710F)
• Samsung Galaxy A5 2016 (SM-A510F)

IN this moment payment system cards supported MasterCard And Visa, in the following banks:

The number of partner banks is constantly increasing, as well as their offers.

Our time is wonderful because we can get additional benefits without spending any effort, simply by navigating what is happening around us. In the case of Samsung Pay, it's even easier; information about offers appears on your Galaxy smartphone, you can immediately see what kind of discounts or bonuses you receive. And it costs you absolutely nothing. In November alone, this service saved me about 2,000 rubles (50% discount from 8 cups of coffee, plus a refund of 1,000 rubles to my account). Few? It depends on everyone, but I see this as a win-win proposition, there was no dancing with a tambourine, you just had to pay with your smartphone, and this is easy to do. I am sure that in the near future the presence of Samsung Pay on a smartphone will become one of the arguments in favor of a smartphone a certain model, since the gain in money due to certain shares is obvious. And these are just the first steps of the service, there will be more to come. After spending five minutes, you will be able to get real benefits from using your money. And it's a smart approach to make your money work even as you spend it. Therefore, I advise you to install Samsung Pay on your Samsung smartphone, if it is supported, or take into account the presence of this service when choosing your next smartphone. Enjoy the shopping!

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?

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

Terms of payment

Before you pay 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 released by the appropriate manufacturer and support contactless technologies payment.

Currently, Samsung Pay is only available for the latest, more modern models smartphones. 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:

1. Open the application and log in (enter your PIN code or place your finger on the scanner).
2. Find the bank card symbol and click.
3. You can enter your credit card details manually or take a photo of it on your phone. The system automatically recognizes the necessary information.
4. Next, you need to agree to the terms of the service and the bank.
5. 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.
6. Then you should confirm the operation (use a PIN code, fingerprint scanner or stylus to enter a signature).
7. 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 ways 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:

1. First, the user needs to select the service as the transfer method.
2. Click "Pay with Samsung Pay".
3. Enter your username and password to log into your system account.
4. A request will be sent to the payer’s phone asking to confirm the transaction.
5. Confirmation is carried out using a fingerprint scanner (or PIN code).
6. 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:

1. You need to take out your smartphone and go to the turnstile.
2. Launches the installed application.
3. Bring your phone to special device(to the 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 afraid to make payments using their mobile phones. The problem is that it is necessary to indicate personal data that is stored in special application. But your phone could be stolen or your financial information could be accessed in other ways.