Does Samsung Pay work on Note 4. How to pay for a purchase using Samsung Pay. Unique data protection methods in Samsung Pay

This week will mark the official launch of Samsung Pay, a service that was originally planned to be launched in Russia a year ago, but for various technical reasons this did not happen. Unfortunately, there are many myths surrounding such services, as well as misunderstandings about how they work, what they are needed for, what new they bring to the market, and whether they bring it. Let's together try to understand what Samsung Pay and similar systems are, what prospects this project has, and what you as a consumer can get. But first, it is necessary to outline the Russian banking market so that you understand with whom and how these systems will work.

Russian banking market – plastic cards and their owners

Look into your wallet or pocket, take out your bank cards and count how many of them are always with you, and how many are still put aside at home. I did this simple operation and found out that I had the following cards with me: the main card on which money is stored, a credit card with profitable cashback in some categories (both MasterCard cards), another ruble Visa card, which also provides cashback up to 5 % for any purchases. This is what I always have in my pocket. When I travel, I use additional cards to my main account; they are denominated in dollars and euros to avoid conversions or reduce them to one transaction. In total, it turns out that I have six cards, which I use more or less constantly.

For residents of large cities, the number of plastic cards ranges from 2 to 3, and if you take the whole country, then, according to the Central Bank of Russia as of July 1, 2017, there are almost 249 million of them (data can be viewed). There are only 30 million credit cards from this number, which can be considered a drop in the ocean.

Let's take a look at the report of the national payment card system for 2015, it contains a division of all cards by payment systems, MasterCard became the market leader - 49.4%, Visa takes second place - 44.7%, almost 6% of the market is accounted for by all the others combined.

Every year, the number of card transactions increases; if ten years ago, salary cards served only for people to withdraw money from them once a month, today this is no longer the case, and many consciously use plastic, as they understand its benefits. Often these are not the same cards on which employees receive their salaries, but the fact remains that people are no longer afraid of electronic money.

Contactless cards PayPass from MasterCard or PayWave from Visa have become something commonplace. For example, according to the latest data from Visa in Russia, 41% of those who use the system’s services own such cards. I am sure that MasterCard has a similar picture. This is a convenient and completely secure way to pay at terminals, when you do not need to insert a card, but simply touch the window and then enter a PIN code (if the amount exceeds the safe limit or the security settings are set this way).

According to various estimates, at the end of 2015, about 65-70 thousand POS terminals with NFC were installed in Russia, which can service contactless transactions.

It is impossible to say that contactless payments are something special. In the Moscow metro, terminals at the entrance already accept such cards; you just need to touch them or go through the turnstile, no need to buy anything additional. And it's very convenient.

Let's take a break from payment systems for a moment and count how many commercial banks there are in Russia. As of September 2016, there were 610, but row cleanings continue and their number may decrease in the near future. In fact, the top ten banks account for the main piece of the pie, and those who work with the population occupy the bulk of the cards; the undisputed leader here is Sberbank, followed by VTB (also VTB24), Alfa Bank, and then all the rest. For example, Raiffeisenbank is not among the top ten in terms of assets, but is the strongest player in the retail market based on its user base.

And literally the final touch. If MasterCard is not trying to somehow independently climb into the clearing of mobile payments, acting as a partner in the endeavors of other companies, then Visa is creating a system that should become an analogue of Apple Pay or Samsung Pay, following its own development path. This is important for understanding what is happening and how in this area. Having briefly outlined the situation with banks and cards in Russia in broad strokes, it’s time to move on to explaining what Samsung Pay is.

What is Samsung/Apple Pay and what are the differences between the systems

The greatest asset of any company in the 21st century is its consumers, the loyal base that purchases products and services. Technology has changed the world so much that sellers today can not only sell their main product, but also provide part of the audience with additional products or services that are not directly related to what the company does. For example, telecom operators create their own banks to service subscriber accounts, open cards together with payment systems, but store money in subscribers' current accounts rather than bank deposits. An example of such a service is a card project from MegaFon. A not entirely obvious product that has gained more than one hundred thousand users in a short time. This is an example of how a company uses the effect of a user base and “sells” a service that is not at all obvious at first glance.

The ideology of Samsung Pay, as well as Apple Pay, is very similar. In fact, this is exactly the same story of using your own user base and extracting additional profit from it. A distinctive feature of such projects is that they can never become larger than the company's core business. For example, in the case of mobile payment systems, this is impossible, since Apple or Samsung will not be able to install applications on all devices on the market, but only on their own. This means that the maximum penetration level in theory can be one hundred percent, but in practice it is also unattainable due to other restrictions.

People are ready to pay from their mobile devices, and many banking applications provide such opportunities, for example, Tinkoff on phones with NFC support allows you to do this for a long time; they were the first in Russia, along with the same MasterCard. An increasing number of banking applications allow you to do exactly the same thing.

In fact, banking applications do exactly the same thing as systems from Apple/Samsung. They store your card data electronically and encrypted, and are able to contact the payment system using the mobile Internet and confirm the payment. In this case, the terminal does not receive all your card data, but a temporary token, which, even if intercepted or lost, will not compromise your bank card. What started out as a story for online online payments at a time when data interception was a reality has suddenly become a key feature of modern systems. Both Samsung Pay and Apple Pay have a central, secure data storage that stores all your data about the cards or cards entered into the system. At the same time, this data is not on the device, but there is simply a copy of the card, which, by and large, cannot be stolen, since it is useless without being linked to the unique code of your device. This is an additional line of defense for the future. One can imagine that someone will learn to intercept data, but it will also be much more difficult to emulate the device number that is stored in the system.

The next step is entering data into the system. It's not enough to have the app on your iPhone or Samsung; your bank and payment processor also need to support the service. Firstly, all data about mobile devices is stored in a payment system, for example, MasterCard (and this is in addition to the fact that Apple has them). Companies agree on the format in which they exchange data; in fact, this is a separate protocol that is needed to ensure security as well as system functionality. Secondly, the payment is authorized in a bank that is connected to the payment system, and this already gives the go-ahead that the payment can be made. Everything happens exactly the same as when paying with a regular bank card. It doesn’t matter in what way, but you provide the card details, for example, by attaching it to the terminal, confirm the PIN code, and then the payment system contacts your bank and checks the account balance. If the terminal cannot connect to the bank, then the operation is indicated on the card, the available balance is reduced, and the operation takes place at the moment when the Internet becomes available in the terminal.

You don’t need any Internet to make payments via Samsung/Apple Pay, you can pay for purchases without a connection, the only drawback is that you won’t see a message about the transaction, it will come with the advent of the Internet. As you can see, this is an almost complete replica of how bank cards work. The only difference is that a conditional copy of your card is located in a smartphone or smartwatch; in the future it could be any device.

Hardware manufacturers charge banks a fee for payment, usually 0.15% in the case of Apple Pay (0.1-0.2% depending on the country for Samsung Pay). The bank, not the user, always pays for a transaction from a mobile device. This partly explains why cashback or other loyalty programs often do not work for mobile payments, since these payments generate a commission to the smartphone manufacturer.

Now let's look at another point, you lose the card. What happens to her impression on the phone? Absolutely nothing until you notify the bank that the card is lost and it will be blocked. From this moment on, the system will not be able to pay for anything; the card will also become blocked. You will have to enter new information when your card is reissued. If you decide not to report the loss, the card in your smartphone will continue to work as usual. But the security flaws outweigh the benefits, with one exception - if you leave the card at home and travel with its virtual version on your phone.

Another important point. When paying from a banking app, you log in either using a code or a fingerprint (the Galaxy Note 7 also has an iris). In my opinion, the fingerprint that you put on your phone is a very convenient, fast and easy way that is attractive. But it still doesn’t give you much of a speed boost; you pay for purchases with a contactless or regular card with a PIN code just as quickly, the difference is in seconds.

Now let's look at the features of Apple Pay. The system works only with contactless terminals (NFC), therefore, it can only be used in those points where there are corresponding POS terminals. Let me remind you that in Russia many chain coffee shops (Starbucks), fast food establishments (McDonalds) and simply modern stores and supermarkets are equipped with such terminals. In Moscow, in about half of the places I visit regularly, such POS terminals are present, in the regions everything is much sadder, they often simply do not exist.

The list of supported Apple devices is as follows: iPhone SE, iPhone 6, 6 Plus and later. Where the information came from that Apple Pay is supported starting with iPhone 5 is not very clear, since the company’s website states the opposite. The system can be configured on a number of iPads, which is not very interesting, as well as on Apple Watch (a mandatory requirement is to enable a password, which is often inconvenient, since there is no fingerprint scanner).

In Russia, the main partner of Apple Pay is Sberbank, the launch of the service is scheduled for October, perhaps the presentation will take place in the first days of this month. Apple Pay will only work with MasterCard cards, since it was not possible to reach an agreement with Visa. It is unclear when Visa will be added and whether it will participate in this project. The total volume of iPhones operating in Russia that support this technology is about two million devices (not sold, since more of them were sold; these are devices on networks that are used constantly). In Apple's presentations to banks, the figure is 4 million devices, but they take into account watches (this is a companion device, there is no point in counting it separately), tablets (I can hardly imagine a person in a store paying from a tablet every day), as well as all phone activations, but not constantly working devices. That is, even secondary activations of the same iPhone on the secondary market are considered as plus one device, which, in my opinion, is wrong. This is an artificial inflation of the base; live devices on networks need to be counted.

In addition to Sberbank, a number of major retail banks will be Apple Pay partners, all of which will happen with the support of MasterCard. You should not expect any difficulties or technical problems in the operation of the system; there are few pitfalls here.

Now let's look at Samsung Pay. In addition to payments using NFC, payments are supported at any terminal that can accept a card with a magnetic stripe and/or chip. The technology that allows this to happen is called MST (Magnetic Secure Transmission), developed by LoopPay, which Samsung bought in 2015. There is no need to scan your bank card, you simply enter it into the Samsung Pay program and then receive a “snapshot” of it. You only need one thing for your bank to work with the system. Just like in Apple Pay, banks must install special software, otherwise the system simply will not work. This is a general limitation, which explains why it is impossible to deposit any card; the support of the payment system and the bank is required.

The main partner of payment systems in Russia is MasterCard. Exactly the same situation as with Apple Pay, there is no Visa, it all comes down to their reluctance to support third-party solutions. The list of banks that support Samsung Pay is almost identical to those that are going to work with Apple Pay. At the start of the service, cooperation with the following banks will be announced: ALFA-BANK JSC, VTB 24 (PJSC), MTS PJSC, Raiffeisenbank JSC, Russian Standard Bank JSC. In addition to banks, the Yandex.Money payment system is involved. By the end of the year, Sberbank and a number of other banks will announce cooperation with the service. The division of banks at the first stage is virtual; everyone was choosing between Apple Pay and Samsung Pay from a PR point of view, what to announce on the market and with whom to go in this direction. But by the end of the year, the main players will have support for both systems. By the end of the year, the number of banks supported by Samsung Pay will be 15, and the service will potentially be available to 65% of all private depositors in the country, as well as 80% of the urban population. This is largely the merit of Sberbank and the main partners of this service.

Now about supported models from Samsung. These are Galaxy S6/S6 EDGE/EDGE+, S7/S7 EDGE, Note 5/7, Galaxy A5 (2016)/A7 (2016). At the beginning of September, the number of devices operating on networks was slightly more than a million units. The watch also supports Samsung Pay, but you can safely ignore them. The peculiarity of all phones that support this technology is that they have the KNOX system, which is necessary for security.

The second key point is that Samsung Pay is available not only on flagships or devices costing from 35 thousand rubles (iPhone SE), but also on inexpensive ones (the same A5 costs 25 thousand rubles). With the launch of the service, the number of mid-segment models supporting Samsung Pay will increase monthly, ultimately reaching at least 3.5-4 million units in 2017. In terms of the base of devices that will be in the hands of consumers, parity between Samsung Pay and Apple Pay will occur by the end of next year.

Does this mean Apple Pay will be the preferred system for mobile payments? Not at all. The ability to pay only at 70 thousand points versus a million points with regular POS terminals without NFC turns the situation exactly the opposite. Potentially, it will be possible to pay for services or goods from a Samsung phone in more places, which will expand the geography of the service throughout the country, to any location.

But all calculations are disingenuous, since we do not understand the most important thing, how exactly consumers will be encouraged to pay from a mobile phone in a particular system. For example, Apple Pay is different in that in no country in the world do they carry out marketing campaigns to attract people; as a rule, partners do this. At the same time, Samsung in the USA follows exactly the opposite policy: for activating the application together with Visa (in the USA Visa works with these systems!) They give $10 for expenses. In other countries, you can get bonuses in the form of discounts on accessories and services. I am sure that in 2017, Samsung’s marketing activity regarding its Pay system will be at a very high level, which will mean better knowledge of the system, at least a greater number of those who will try to use it out of curiosity. If one of the partner banks can create a motivation system, for example, the same cashback for purchases from a phone, then this could become a driving force for using a smartphone as a means of payment. As far as I know, MTS is conducting such research, but has not yet reached something formalized and understandable. It is MTS that can benefit from the presence of such a motivation system; here you can come up with very interesting scenarios. It is difficult to expect any activity from Apple Pay in this area; they are unlikely to choose Russia as a field for such experiments.

And just one figure to understand that by taking even a small bite from banks, you can get a lot - Samsung Pay in its native South Korean market reached a turnover of $1.77 billion. This is the company's home market, but there is already a developed banking system there, and this is just a demonstration that loyalty systems work and give a real response.

Bottom line

In the coming weeks, we are doomed to read news about the launch of Samsung Pay/Apple Pay, as well as which system is better. In my opinion, technically they are the same, plus or minus, just as they are supported in Russia by the same MasterCard, as well as by a set of banks. The only question is which phone is in your hands. I sincerely doubt that anyone will choose their next smartphone based on the support of this or that system; this is obviously stupid. In any case, until there are no motivation programs and cashback, which still cannot be something very special and different from those banking products that are already on the market.

My phone has two banking apps that allow NFC payments. But I have two cards from these banks in my pocket, which also allow me to pay with a touch. And I often use cards and almost never use my phone (out of curiosity, I paid this way a couple of times, that’s all). Will I use Samsung Pay? In case they give me not just the opportunity to pay from my phone, but something additional and it will be attractive. Otherwise, I don't see much difference with the card I already have.

Technical point - Samsung Pay will be launched in stages, first you can get into the service by invitation from your bank or from Samsung, then it will become available to everyone (the second will approximately happen in November). There is no competition as to who is first, since Apple Pay and Samsung Pay are each aimed at their own audience, those who have already made a choice in favor of one company or another. And once again I will repeat a simple thought, these services are basically the same, they just allow you to pay. I foresee a wave of excitement among Apple fans who will discover contactless payments for the first time, but all this has been on the market for a long time and has not made much of a revolution. It won’t happen now, we’ve just been given another way to spend money.

Amendments dated September 27. The Galaxy S6 model will not work in Russia with Samsung Pay. Also, on the Russian market, banks do not pay a commission for using the service; it is free for them, if you do not take into account the cost of implementation.

Samsung Pay is a technology that allows you to pay in stores using your smartphone. This is a payment system that replaces traditional bank cards. The service allows you to add up to ten cards from the list of available banks.

In addition to the fact that the user of the application does not have to carry bank cards with him, the service is distinguished by its reliability and security. Copies of the cards, as well as the owner’s data, are stored in the phone, and access to Samsung Pay is carried out using a fingerprint or entering a PIN code.

It's easy to figure out how to use Samsung Pay. In order to start using the payment system, you need to scan your bank card using your phone camera through the Samsung Pay application. This action will create a copy of your card.

You can skip scanning by entering your card details manually.

You will receive an SMS message to confirm the operation. Next, you need to enter your first and last name, and also leave an example of a personal digital signature by simply drawing it with your finger on the screen.

Samsung Pay is equipped with a three-level security system:

To pay for any purchase, just turn on the application and bring your phone to the payment terminal within 30 seconds.

The main advantage of Samsung Pay is the ability to work with terminals that are not equipped with an NFC module that provides contactless payment.

This is possible thanks to MST technology, the rights to which are owned only by Samsung. This technology simulates a magnetic field, and the terminal perceives the phone as a magnetic stripe card and makes payment. To pay for a purchase with your phone at terminals without an NFC module, you need to bring your smartphone to a card reader with a magnetic stripe.

At the moment, Samsung Pay supports cards of most Russian banks with the Visa or Mastercard system, their list is constantly expanding, and for up-to-date information, contact the Samsung support service or the bank branch you need, or write to the official community on the social network.

Among the largest banks supporting Samsung Pay are:

Sberbank;
Opening;
Alfa Bank;
Promsvyazbank;
VTB 24;
Russian standard;
Raiffeisenbank;
Yandex;
Gazprombank;
Post Bank;
Vostochny Bank;
MTS-Bank;
Tinkoff Bank;
Russian Standard Bank;
Rocketbank;
BINBANK;
Bank "Saint-Petersburg;
Union Bank;
Rosselkhozbank;
RosEvroBank;
AK BARS Bank;
Megaphone;
Bank "Saint-Petersburg;
Devon-Credit and others.

The service allows you to simultaneously connect up to ten cards from the list of available banks to your smartphone. Depending on the conditions and rules of the bank, one card can be connected to either one device or an unlimited number of your devices. Find out more details from the technical support of the required bank.

The service does not provide the ability to withdraw cash from an ATM. However, in European countries you can get change from a bank card using your phone, provided that the store offers such a service.

Most modern flagship Samsung models released in 2016 and 2017 support the Samsung Pay system.

Which Samsungs support Samsung pay:

Galaxy A (3, 5, 7)
Galaxy S (8, 8+, 7, 7 edge, 6 edge+)
Galaxy J (5.7)
Galaxy Note (5, 8)

Models from the Galaxy line that support payment only via NFC:

Watch with Samsung Pay

So far, only a few watch models support the cashless payment system - Samsung Gear S3 classic and Samsung Gear S3 frontier. Like smartphone models, the watch is equipped with the MST system.

To pay using your watch, you need to connect it to your smartphone, launch the Samsung Gear application, and enable Samsung Pay in the settings.

Which is better - Samsung Pay or Android Pay?

Samsung Pay supports many more terminals due to its MST technology. This makes it possible to pay for purchases at all cashless payment terminals, regardless of whether the contactless payment system is supported there or not.

Android Pay works with limited functionality if there is no internet connection. Since tokens are generated on an Internet resource, which allows you not to store personal data on your phone. In practice, this is not very convenient and can put you in a difficult situation if you suddenly find yourself without an Internet connection for a long period of time. Samsung Pay generates tokens thanks to a special chip that stores your data at the highest level and does not require an Internet connection.

About the operation of the Samsung Pay application in the video:

bigbinary.ru

On which devices and phones is Samsung Pay supported + reviews

It often happens that people go out without cash or credit cards, but they almost always take their mobile devices with them. Maybe that's right. Indeed, in the near future, phones can almost completely replace plastic. Thanks to the emergence of various mobile payment services, people will have the opportunity to pay for their purchases, having with them only a smartphone, inside of which card data is stored. One service that can give a good boost towards this is Samsung Pay.

Briefly about what Samsung Pay is and how it works

Samsung Pay is a mobile payment system of a Korean company. Its main feature is the ability to make payments through terminals equipped to interact with cards with magnetic stripe, which are familiar to many. For this purpose, modern Samsung smartphones that support working with the service implement MST technology. With its help, the phone generates alternating current, thereby creating a field that can change dynamically. It operates at a distance of approximately 8 centimeters from the reader. At the same time, the terminal is confident that the payment is carried out with a regular magnetic card, so there is no need to re-equip it. Of course, in addition to MST, Samsung Pay supports contactless payment using NFC technology, which, unfortunately, is still not widespread enough.

How Samsung Pay works

The owner of a Samsung smartphone that supports the service adds credit card data to the application, which subsequently ends up in Samsung Knox and remains there in encrypted form. Before making a payment, he selects the desired card, gains access to it by providing his fingerprint or entering a PIN code, brings the device to the terminal and waits for the transaction to complete. During payment, the smartphone transmits to the payment device not the card data, but a 16-digit code called a token, so attackers will not be able to intercept them during the “communication” between the mobile device and the terminal. If they manage to get their hands on the token, it is unlikely that they will be able to do anything with it, since the system will immediately block it if used again.

What devices and phones does the system work on?

Now you can use Samsung Pay to make payments on one of the following Samsung Galaxy models: S7, S7 Edge, A3(2017), A5(2016/2017), A7(2016/2017), Note 5, S6 Edge+, S6 Edge and S6 . Interestingly, on the last two devices, payments are made only using NFC technology. The service is not available for the 2015 versions of Samsung Galaxy A3 and A5, as well as S5 and Note 4. In addition to smartphones, you can use Samsung Gear S2 and S3 smartwatches to make payments. Please note that Samsung Pay only works on mobile devices with official firmware that have not been rooted or modified.

Does it work on other devices (not Samsung)

Samsung provides full access to the payment system only to owners of its smartphones. Owners of mobile devices from other manufacturers cannot use it. If only for the reason that their firmware does not contain Samsung Knox technology, which stores all credit card data in encrypted form.

How to install, configure and use

If you cannot find Samsung Pay among the pre-installed applications on your device, you need to install a special firmware update that adds support for the service. You can download it through the “Phone update” section located in the system settings. After deploying the update, make sure that the application has the latest version. You can download it from Google Play Store.

Setting up Samsung Pay

The credit card data is located inside the smartphone itself and is not transmitted further to Samsung. The phone in this case is a kind of copy of a credit card. At the same time, he does not see the card balance and does not communicate in any way with the bank’s mobile application.

Using Samsung Pay

Samsung does not charge a fee for using Samsung Pay. Another interesting fact is that an Internet connection is not required at the time of payment. Authorization occurs using a smartphone. It turns out that in this way you can make payments abroad, while roaming, and even when there is no SIM card in your smartphone.

Samsung Pay reviews

ReysDanik (http://otzovik.com/review_4430181.html)

Not long ago I bought myself a smartphone from Samsung with Samsung pay support and was pleased with it. A very practical, convenient and functional payment system. I recommend it to everyone!!

Anastasia (http://ru.otzyv.com/samsung-pay)

Just for fun, I used Samsung Pay several times. A very convenient service, it certainly reduces the time required for payment, but not significantly. A huge plus of Samsung Pay is that you don’t need to carry bank cards and other things with it, which frees up your pockets.

IDlinnovolosaya (http://otzovik.com/review_4122477.html)

Before purchasing this payment system, I carried with me a huge stack of cards from different stores, it was very inconvenient, I could lose some, or I could stand for two hours before purchasing and look for the right card. But after downloading Samsung pay, it became much easier for me, all the cards are now on the phone, it’s very convenient to go shopping!

Kira (https://vsezaimyonline.ru/reviews/samsung-pay.html)

I received an update for my Samsung A5 2016. I scanned the card through my phone, it registered and set a PIN code. I paid at Pyaterochka, Auchan, Decathlon, Perekrestok, Okey. A message immediately comes to your phone. There are various bonuses for program participants.

Samsung Pay can be considered a truly convenient service for making payments using smartphones. If only because on most mobile devices of the Korean manufacturer, it allows you to use MST technology to pay for something through regular terminals with an external magnetic stripe reader, of which there are much more in the world than devices that support contactless payment. Of course, now it can hardly replace plastic cards, but it is quite capable of acting as an additional means of payment.

samsung-galaxy.mobi

how to connect and use payment by phone

Samsung Pay Sberbank is a payment service that will help users save time and money. All you need to do is activate this service, and you will no longer have to carry a bank card with you, or withdraw money from an ATM, losing money on fees. The application was initially developed for the MasterCard payment system, but at the end of 2016 Visa support was received - using a smartphone you can now not only transfer funds and control your finances, but also make purchases.

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How Samsung Pay works

Samsung Pay Sberbank is a universal solution that allows you to pay without any restrictions on any terminals; support for contactless payment is not required. This is one of the main advantages of this technology - the creators of the service took care not only of using NFC, but also introduced MST, which is Samsung’s own development. The operating principle is based on the fact that the smartphone creates its own magnetic field identical to the magnetic stripe signal.

Therefore, even if store employees have not heard about this opportunity, the buyer can use the application and payment will be made.

Advantages of using Samsung Pay Sberbank

This system is provided absolutely free of charge, and anyone with a smartphone that supports the technology will be able to use it. You don’t even need access to the Internet - payment is made offline.

There are other advantages in favor of connecting this technology, including:

Simplicity - you just need to launch the application and bring the device to the payment terminal, after which the transaction will be successfully completed.
Security token is a secure authorization method that does not require entering a card number or other personal data.
Versatility - wherever you can pay with a bank card, you can also use SamsungPay to pay for your purchases.
The owner of the smartphone controls the debiting of funds - an error when entering data can lead to an amount being withdrawn from the account that is many times the cost of the product or service. A similar situation is impossible when using the application, since the user immediately sees information about the balance of money in the account.

Separately, it is worth noting the reliability of Samsung Pay (Samsung Pay) - a multi-level security system is used, so that even if the smartphone is lost or stolen, unauthorized people will not be able to access the accounts of the device owner.

Stealing money from a card is much easier than hacking a similar application created for convenient payment, which is another advantage in favor of its connection.

How to connect Samsung Pay

Many users are concerned about the question of how to connect Samsung Pay to Sberbank, but in fact this procedure is not difficult.

The device owner only needs to perform a few simple steps, after which he can use the service to make a payment. Main stages:

Download the Samsung Pay Sberbank application on your smartphone. This can be done in the official application store. Launch the service and select the identification method - fingerprint or PIN code
If a PIN code is selected, then set a reliable numeric combination (this should not be the date or year of birth), or place your finger on the screen if the security method using a fingerprint is selected
Add a Sberbank card by entering the required details
Confirm the data using the code sent in an SMS message
Sign – a fingerprint or a stylus can be used for this purpose.

Conveniently, the service allows you to add up to 10 cards – both debit and credit. Thanks to this, you can pay at any payment terminals without carrying dozens of plastic rectangles with you - now Samsung Galaxy owners can do without a wallet.

How to use Samsung Pay Sberbank to make payments

You just need to connect to Samsung Pay Sberbank technology to significantly simplify the payment procedure. It includes three main stages - identical to payments using a bank payment card. Namely:

Launch the service - for this purpose, you can click on the application icon, or draw a line from the bottom to the top of the screen without lifting your hand
Select a bank card – the user will have access to a list of available accounts indicating available funds, which greatly simplifies the payment process
Go through authorization - you need to enter a code or place your finger so that the device can read the fingerprint
Touch your smartphone to the terminal - the money will be debited, and the receipt will confirm that the operation is completed.

According to reviews from users who actively use this technology, the entire procedure, from launching the application to completing the payment, takes less than one minute. It’s no longer than finding a wallet, taking out a card from it and entering a PIN code, and it’s much more convenient and safer. All you need to do is connect the Samsung Pay service - further operations will be performed almost automatically.

Payment using Samsung Pay Sberbank: important nuances

Not all retail outlets have bothered to replace outdated terminals with new contactless models. But you don’t have to worry, the service will work - only you need to touch the smartphone not to the screen, but to the magnetic stripe reader. It is easy to find - it is located on the side, and it is to it that the seller applies a plastic card to make a payment. You only need to pay in this way if there is no NFC sign on the device, indicating the possibility of using contactless payment.

Differences between Apple Pay and Samsung technology

The Apple Pay service appeared earlier, ahead of Samsung's development. But at the same time, the new product for Android owners is not a copy of its predecessor and has several fundamental differences. Among them:

In addition to Sberbank, the service was supported by Samsung and other financial institutions, including VTB 24, Alfa Bank, Russian Standard, Raiffeisenbank. But at this stage, negotiations are still underway, thanks to which clients of other banks will soon be able to fully appreciate the benefits of this technology.
The ability to pay at any terminal - you just need to connect Samsung Pay to be able to pay for purchases even on devices that do not accept contactless payment. This was made possible thanks to Samsung's own development - the function is not implemented in Apple Pay.
Wide range of devices - users can choose a device to their liking, not limited to several options. In addition, such development will cost an order of magnitude cheaper than purchasing Apple equipment.

In Moscow you can easily find Sberbank ATMs - even if you forget your bank card, you can withdraw the required amount without it. But in smaller cities this becomes a real problem, which has now been successfully solved with the help of the universal service implemented by Samsung.

Answers to popular questions

Question: when will Samsung Pay launch at Sberbank for Visa?

Answer: support for Visa cards is not fully implemented, but many banks are already participating in this program. According to the promises of the developers, Sberbank will launch this opportunity in the second half of 2017, despite the fact that the launch was previously announced in 2016.

Question: how to install Samsung Pay on your phone?

Answer: to install the application, you just need to download it from the official store, launch it and set the selected method of protection from strangers. Thanks to the multi-level security system, you can even give your smartphone to someone - no one except the owner will be able to gain access to the accounts.

Question: What devices does Samsung Pay work on?

Answer: Currently, owners of the following devices have the opportunity to connect to this service:

Samsung Galaxy S7 (SM-G930F)

The application can also be used on S6 | S6 edge models, but payment will only be made using terminals that support contactless payment.

sbankin.com

Frequently asked questions about Samsung Pay

How to start using Samsung Pay on your smartphone

Add a Samsung account to your device.
Update your smartphone firmware to the latest version.
After updating, find the Samsung Pay icon in the menu and click on it.

If there is no such icon: a) the smartphone is not for the Russian market; b) the smartphone has non-original firmware; c) the smartphone does not support Samsung Pay.

For detailed information, contact Samsung's toll-free support team.

Click "Launch".
Add your fingerprint or PIN to verify purchases.
If you are adding your first card, click on the card symbol. If this is not the first card, click "Add".
Take a photo of the card or enter the information manually. Click Next.
Accept the Samsung agreement and the bank agreement.
Click on the SMS button to confirm your registration. A one-time code will be sent via SMS to the phone number specified in the bank.
Enter the code received via SMS and click “Submit”.
Enter your signature using your finger or stylus and tap Done. A signature may be required if the store cashier wants to compare the signature on the card and on the receipt.
Wait about 10 minutes until the card is fully registered.

How to start using Samsung Pay on Gear

How to view your purchase history in Samsung Pay?

Samsung Pay displays your 10 most recent purchases. To view them:

Open Samsung Pay.
Select a card.
The purchase history for this card will be displayed below.

Some sellers have policies that do not allow purchase history to be shown in the listing. We apologize for the inconvenience, we will do our best to correct the issue.

Can I use Samsung Pay abroad?

Samsung Pay is guaranteed to work only in the Russian Federation. The possibility of international purchases depends on the issuing bank. Check with your bank to see if card payments are possible abroad via Samsung Pay.

Can I pay online using Samsung Pay?

Not yet, but support will be added soon.

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 and the rules of the store. To return a purchase, you must contact the store.

If you paid for your purchase with Samsung Pay, use your phone to return it.

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.

Do you need an internet connection to use Samsung Pay?

An Internet connection is required only for card registration. It is not required to make purchases.

What to do if the card has been reissued?

Remove the old card and add the reissued card.

Which card is installed by default in Samsung Pay?

Samsung Pay does not have a default card. When you activate Samsung Pay, when you swipe up from the bottom (from the Home button), the card you registered, used, or last viewed appears first.

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

The card is not registered. What to do?

Make sure you are registering a card from a supported bank and payment system. If the card is supported, contact your bank, as... It is he who blocks the registration. Perhaps there are some restrictions on the map. All cards from the list above have been tested more than once.

How to remove Samsung Pay?

Samsung Pay cannot be deleted. If you find reminders asking you to try a service annoying, turn off notifications from that app.

helpform.ru

how to connect, where and how to use

Contactless payment technologies based on NFC radio signals or magnetic fields have been working for several years. Another method of paying for goods is offered by Samsung Electronics together with Sberbank. The article covers the most frequently asked questions and answers about the Samsung Pay service in Sberbank.

Which Sberbank cards can be connected to Samsung Pay?

Samsung Pay supports the following Sberbank debit and credit cards:

Debit:

World MasterCard Elite Sberbank 1,

MasterCard World Black Edition Premier,

World MasterCard “Gold”,

MasterCard Platinum,

MasterCard Gold,

MasterCard Standard,

MasterCard Standard Contactless,

MasterCard Standard with individual design,

Youth card MasterCard Standard,

MasterCard Standard youth card with individual design.

Credit:

Video: How Samsung Pay works and why it is convenient:

How to connect to the Samsung Pay service?

Every owner of a compatible Galaxy smartphone can simply open the Samsung Pay application and enter their Samsung account information to gain access to all functions of the Samsung Pay service in Russia.

Where can I use Samsung?

You can pay for purchases through any payment terminals.

Do I need an internet connection to pay with Samsung Pay?

No, you do not need to connect to the Internet to pay for purchases in stores with Samsung Pay. Your device interacts with the terminal using NFC and MST contactless technologies.

Which Samsung Galaxy phones work with Samsung Pay?

Samsung Pay is available in Russia to users of the following Samsung Galaxy smartphone models:

Samsung Galaxy S7 (SM-G930F)

Samsung Galaxy S7 edge (SM-G935F)

Samsung Galaxy S6 edge+ (SM-G928F)

Samsung Galaxy Note5 (SM-N920C)

Samsung Galaxy A7 2016 (SM-A710F)

Samsung Galaxy A5 2016 (SM-A510F)

Samsung Galaxy S6 edge (G920F) - NFC only, see note below in the text.

Samsung Galaxy S6 (G925F) - NFC only, see note below in the text.

Samsung Galaxy A7 2017 (SM-A720F)

Samsung Galaxy A5 2017 (SM-A520F)

Samsung Galaxy A3 2017 (SM-A320F)

Since the Samsung Galaxy S6 smartphone model is not equipped with Samsung MST technology, payment for goods and services using the Galaxy S6 and S6 edge through the Samsung Pay service is only available at contactless payment terminals.

Samsung Galaxy S7 and S7 edge, Galaxy S6 edge+, Galaxy Note5 smartphones and Samsung mid-price smartphones Galaxy A5 (2016) / A7 (2016) support contactless payment and are compatible with chip or magnetic stripe payment terminals.

How much does it cost to use Samsung Pay?

Sberbank clients do not pay a commission for payments through the service - it is absolutely free.

How is the Samsung Pay service convenient for a Sberbank client?

Now you don’t have to worry that you left your wallet at home, or that your bank card might be stolen. To make a payment, you need the fingerprint of the smartphone owner and nothing more!

How is Samsung Pay device secure?

No data is stored on your smartphone; only a so-called token is stored there - a special key or payment system. Even intercepting this token prevents fraudsters from obtaining any information about the card.

Benefits of Samsung Pay

Head of Samsung Mobile in Russia Arkady Graf:

“We are confident that Sberbank clients can appreciate the benefits of the Samsung Pay payment service; it is simple, secure and universal.”

There are more than one and a half million payment terminals in Russia, but only 20,000 support the NFC service. that is, they all work with standard magnetic plastic cards.

The Samsung Pay service supports both types of payment terminals thanks to MST technology. This means that you can pay anywhere except for devices with an old software version.

Samsung Pay allows you to pay for purchases using magnetic secure transfer, so Samsung Pay works on any terminal.

Samsung Pay is safe: During payment, a token is used instead of a card number - your data is securely encrypted Samsung Pay is accepted everywhere: it can be used for payment in any place where bank cards are accepted

Instructions for working with Samsung Pay

Open the Samsung Pay application, press the start button, select the identification method: fingerprint or digital pincode.
Add your card details, accept the agreement with Sberbank policy and Samsung rules. Well, click SMS to confirm your registration in the system.
Enter the received code in the Special field and add your signature. Stylus or finger.
You can add the map to your favorites. There is a limit of 10 bank cards on one smartphone.

How to pay for a purchase in a store using Samsung Pay?

Launch the Samsung Pay app using any of the following methods:

moving from bottom to top on the locked screen,

moving from bottom to top on an inactive screen,

moving from bottom to top on the home screen,

or tap the Samsung Pay icon on the screen.

On the screen of your Samsung smartphone you will see your cards connected to the Samsung Pay service. Select the card you will use to pay. Log in using your fingerprint by placing your finger on the scanner, or enter your application password (PIN).
Bring your Samsung smartphone to the payment terminal. If the cashier asks you to enter a PIN code, enter the PIN code of your plastic bank card, and if the cashier asks you to sign, put your signature.
You will receive a receipt as if you paid with a regular card. And an SMS notification about the completed transaction will be sent to your phone number.

Attention! Keep your password secret and don't let anyone, even your family members, register your fingerprints with your Samsung Pay device.

www.sberbank-gid.ru

Samsung Pay - on which devices to connect and how to use Samsung Pay Sberbank

A few years ago we paid for services and goods with bills and coins, and a little later non-cash payments appeared - plastic bank cards. Developers do not stop developing technology. Today, holders of bank cards and mobile devices have a unique opportunity - contactless transactions made using the Samsung Pay Sberbank payment service.

This service was released by the bank together with companies that produce mobile gadgets. Samsung holders have the opportunity to use the Samsung Pay Sberbank system. This service can be used by holders of Visa Electron Sberbank bank cards. This opportunity, compared to similar services, is unique.

Card registration failure in Samsung Pay Sberbank - what to do

Officially, this payment system became available at the end of 2016, beginning of 2018. Most users have just begun to master this method of conducting contactless transactions and quite often encounter problems installing the necessary applications and during the registration process.

You can download Samsung Pay absolutely free of charge and while using this system you do not need to pay any commissions or interest.

To download the application, you can go to the official website of Sberbank - https://www.sberbank.ru/samsung-pay

How to connect Samsung Pay Sberbank? To do this you need to follow the following guidelines:

Launch the application and select the identification method: PIN code or fingerprint.
Add your bank card details and accept the user agreement, having previously read the terms of use.
Enter the code sent via SMS to confirm registration and sign in a special window using a stylus or finger.
After activating the contactless payment system, you can start paying for services and purchases using your smartphone.

What devices does Samsung Pay work on? Please note that the system only works on the following devices: Galaxy S7, A5, Note 5, S6. It is important that the gadget supports NFS.

If you follow the installation recommendations, an error will not occur. Any user can connect to Samsung Pay, following step-by-step instructions. There is no need to engage in amateur activities and try to register without studying the recommendations.

Read here: Sberbank contactless card - what is it

When installing Samsung Pay, you can follow the wizard's tips, completing all the registration steps in order. This will eliminate the possibility of any errors during authorization and the use of a system of uncontrolled transactions.

How to use Samsung Pay

Before using Samsung Pay, it is recommended that you read the instructions. After installing the application, when the system is operational, you can make payments using your smartphone. The peculiarities of this service are that payments can be made not only through those terminals that are designed for attaching bank cards, but also those developed using MST technology. The fact is that Samsung supports this technology, causing a special magnetic field that is also present when using bank cards.

That is why, using Samsung Pay, you can transmit a signal to make a payment on any terminal, even those that do not support contactless communication. This option for paying for services and goods is very convenient, as it allows you to combine all bank plastic cards in one device and monitor your balance.

In order to pay, just unlock your smartphone and log in to the application. An image of the card will appear on the screen, which should be attached to the terminal. Authorization is necessary so that only the owner of the bank card can use the account.

Benefits of Samsung Pay

The developers of a mobile application for making contactless payments through terminals are confident that users will appreciate their idea. After all, such transactions not only reduce the time for making payments, but also make the process of using bank cards safer than before. Now attackers will not be able to take over customer data, since complete confidentiality is maintained when using Samsung Pay.

Among the main advantages of Samsung Pay over similar services are:

Easy to use. Passing authorization using a fingerprint or PIN code (optional).
Security token. Reliable encryption of personal data using tokens.
Versatility. Possibility of use for calculations through any terminals.
Control. You can track your withdrawals instantly. Even if errors occur on the part of terminal systems, unjustified write-off of funds is excluded.

Stealing money from a bank card is much easier than hacking the multi-level security system of Samsung Pay. Therefore, this service is not only convenience, but also safety!

Among the differences from Apple Pay, support for banks such as Russian Standard and Raiffeisenbank should be highlighted. Soon, clients of other financial organizations who own Samsung phones will be able to use the Samsung Pay system, since the developer does not stand still and is constantly improving.

Today, not every consumer can afford to use Apple products. Samsung offers a wide range of mobile devices that are not inferior in functionality to Apple gadgets and in some ways even surpass their capabilities. Now a mobile device can replace your wallet and make transactions when paying for goods or services safe and fast. Install the Samsung Pay Sberbank contactless system on your phone and keep up with the times!

sbank.online

Samsung Pay or Android Pay

Most inexperienced users who have recently learned about the existence of contactless payment services cannot decide which of the options on the market is best to use. The problem mainly appears in the matter of choosing the Samsung Pay or Android Pay application.

Android Pay vs Samsung Pay

Even though both programs perform the same function, there are still some differences in operation and use.
Briefly, the work of the services can be described as follows:

you set up protection by adding a password or a fingerprint scanner;
attach payment systems and bank cards;
confirm the attachment procedure.

After that, you can go shopping and pay for most purchases and services provided using your mobile phone.

Which is better: Android Pay or Samsung Pay?

How does one application differ from another, are there any significant advantages? In order to answer these questions, let's make a small comparison.

Indicator 1 – supported devices

Android Pay works perfectly on absolutely all mobile phones running the Android KitKat 4.4 operating system and higher. The only exceptions are some models that do not support the system. Because it is thanks to it that contactless payment is possible.
In turn, the Samsung program only supports the company's flagship devices and some types of smart watches. Here are the main device models that it supports:

Gear S3;
Galaxy S8;
Galaxy S7 Edge;
Galaxy S6 Edge;
Galaxy Note 5;
Galaxy A7.

Therefore, as you can see, at this point the first payment application wins significantly.

Indicator 2 – where you can pay using your phone

If the user plans to use one of the two programs discussed in this comparison, replacing outdated payment methods with it on a daily basis, then this point must also be taken into account.

You can use Google's service only by bringing your device closer to a special terminal that supports contactless payments.

You can distinguish this one by a special sticker or icon indicating support for NFC technology.
In turn, the user can use Samsung’s service both in conventional terminals and in more modern ones described above. And all because the flagship models that were previously listed have built-in NFC technology. It also allows smartphone owners to emulate the magnetic stripe that is present in a plastic card.

Withdrawing money from an ATM

Samsung's MST technology is a secure yet easy-to-use contactless payment service. It makes it possible to add several bank cards and pay for purchases using your phone in NFC-enabled terminals with a magnetic stripe.

To make a payment for a purchase, just install a working application on your smartphone and attach a bank card to it. By the way, you can attach up to 10 cards at a time, and when paying you can choose between them. Cards can be loaded into a smartphone and paid at supported locations.

What is the main advantage of Samsung Pay technology?

Samsung Pay also supports NFC (contactless) payment terminal systems, and also ensures high security when making payments, since the card data itself is not disclosed. Compared to devices from other manufacturers that use NFC technology, Samsung Pay can work not only with terminals that support contactless payment. The secret is that Samsung also uses its own mst technology, which gives users the opportunity to pay for purchases using a smartphone on almost any terminal. Smartphones with mst technology that are compatible with the Samsung Pay service can create a special magnetic field, similar to the signal from the magnetic stripe of a bank card. Often, even sellers do not know that this can be easily done in their stores.

Which phones use MST technology?

Models that can work with this option are:

Samsung Galaxy S7.
Samsung Galaxy S6 edge+.
Samsung Galaxy S7 edge.
Samsung Galaxy A5 2016 and A7.

In the future, the model range will develop.

Samsung Galaxy S7 on Yandex Market

Samsung Galaxy S6 edge+ on Yandex Market

Samsung Galaxy S7 edge on Yandex Market

Samsung Galaxy A5 2016 on Yandex Market

Samsung Galaxy A7 on Yandex Market

How to use for payment:

To use the latest mobile system, you need to install the application in the company’s online store.

How to install samsung pay:

Click “Install” and wait for it to finish. Launch the installed program. First, you should configure it. First of all, we create a virtual Samsung card. Why click the “+” (Add) icon.

How to add a card:

Now take a photo of the bank card with your phone camera. After this, data verification will be launched. Next, you need to enter the signature into the database. If the verification is completed successfully, you will receive an SMS with a code that you must enter in the program window. Then you will receive a message that it has been added successfully.

In this way, you can add personal bank cards to the database and not carry them with you.

How to use the virtual payment system in the store?

First, swipe up, that is, press your finger at the bottom of the screen and pull it up. This will open a virtual card. Then confirm your identity by placing your finger on the scanner. Next, we bring the phone to the bank terminal when it says “Insert card.” We enter the last 4 digits from the card, completing the transaction and take the receipt. The payment is completed and you can put the phone away.

This is how mst technology from Samsung works. We should soon expect the arrival of another payment system - from Apple Pay. Also, with the arrival of Android 6.0, we can expect a third similar mobile system - Android Pay.

How does Samsung Pay work?

Which Sberbank cards can be connected to Samsung Pay?

Samsung Pay supports the following Sberbank debit and credit cards:

Debit:

World MasterCard Elite Sberbank 1,

MasterCard World Black Edition Premier,

World MasterCard “Gold”,

MasterCard Platinum,

MasterCard Gold,

MasterCard Standard,

MasterCard Standard Contactless,

MasterCard Standard with individual design,

Youth card MasterCard Standard,

MasterCard Standard youth card with individual design.

Credit:

MasterCard Gold,

MasterCard Standard,

Youth card MasterCard Standard.

Video: How Samsung Pay works and why it is convenient:

How to connect to the Samsung Pay service?

Each owner compatible Galaxy smartphone can simply open the Samsung Pay application and enter your Samsung account information to gain access to all functions of the Samsung Pay service in Russia.

Where can I use Samsung?

You can pay for purchases through any payment terminals.

Do I need an internet connection to pay with Samsung Pay?

No, you do not need to connect to the Internet to pay for purchases in stores with Samsung Pay. Your device interacts with the terminal using NFC and MST contactless technologies.

Which Samsung Galaxy phones work with Samsung Pay?

Samsung Pay is available in Russia to users of the following Samsung Galaxy smartphone models:

Samsung Galaxy S7 (SM-G930F)

Samsung Galaxy S7 edge (SM-G935F)

Samsung Galaxy S6 edge+ (SM-G928F)

Samsung Galaxy Note5 (SM-N920C)

Samsung Galaxy A7 2016 (SM-A710F)

Samsung Galaxy A5 2016 (SM-A510F)

Samsung Galaxy S6 edge (G920F) - NFC only, see note below in the text.

Samsung Galaxy S6 (G925F) - NFC only, see note below in the text.

Samsung Galaxy A7 2017 (SM-A720F)

Samsung Galaxy A5 2017 (SM-A520F)

Samsung Galaxy A3 2017 (SM-A320F)

How much does it cost to use Samsung Pay?

Sberbank clients do not pay a commission for payments through the service - it is absolutely free.

How is the Samsung Pay service convenient for a Sberbank client?

Now you don’t have to worry that you left your wallet at home, or that your bank card might be stolen. To make a payment, you need the fingerprint of the smartphone owner and nothing more!

How is Samsung Pay device secure?

Benefits of Samsung Pay

Head of Samsung Mobile in Russia Arkady Graf:

“We are confident that Sberbank clients can appreciate the benefits of the Samsung Pay payment service; it is simple, secure and universal.”

There are more than one and a half million payment terminals in Russia, but only 20,000 support the NFC service. that is, they all work with standard magnetic plastic cards.

The Samsung Pay service supports both types of payment terminals thanks to MST technology. This means that you can pay anywhere except for devices with an old software version.

Samsung Pay allows you to pay for purchases using magnetic secure transfer, so Samsung Pay works on any terminal.

Samsung Pay is safe: During payment, a token is used instead of a card number - your data is securely encrypted
Samsung Pay is accepted everywhere: it can be used to pay in any place where bank cards are accepted

Instructions for working with Samsung Pay

Open the Samsung Pay application, press the start button, select the identification method: fingerprint or digital pincode.
Add your card details, accept the agreement with Sberbank policy and Samsung rules. Well, click SMS to confirm your registration in the system.
Enter the received code in the Special field and add your signature. Stylus or finger.
You can add the map to your favorites. There is a limit of 10 bank cards on one smartphone.

How to pay for a purchase in a store using Samsung Pay?

Launch the Samsung Pay app using any of the following methods:

moving from bottom to top on the locked screen,

moving from bottom to top on an inactive screen,

moving from bottom to top on the home screen,

or tap the Samsung Pay icon on the screen.

On the screen of your Samsung smartphone you will see your cards connected to the Samsung Pay service. Select the card you will use to pay. Log in using your fingerprint by placing your finger on the scanner, or enter your application password (PIN).
Bring your Samsung smartphone to the payment terminal. If the cashier asks you to enter a PIN code, enter the PIN code of your plastic bank card, and if the cashier asks you to sign, put your signature.
You will receive a receipt as if you paid with a regular card. And an SMS notification about the completed transaction will be sent to your phone number.

Attention! Keep your password secret and don't let anyone, even your family members, register your fingerprints with your Samsung Pay device.

The other day (namely September 29), a new modern payment system, Samsung Pay, began operating 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 the South Korean company Samsung. Today, the user base of the service has already exceeded 1 million people!
What is her “trick”? In simple words, the peculiarity of this function is that thanks to it you can not carry your bank card (debit or credit card) with you, but simply bring your mobile phone to the terminal and pay with it. Now your phone is your electronic wallet. Simple, fast, convenient!

The contactless payment technology used by the mobile payment service is simple in principle, although ten years ago it could have been considered fantastic. Samsung Pay works as follows. First, you use your phone and a special application to make a “cast” of your bank card and store it on your phone. When you need to pay in a store, cafe, restaurant or other place, just bring your Samsung smartphone to the terminal. Thanks to the magnetic emitter built into the phone, which operates at the same frequency as the credit card, the payment terminal will actually see it and carry out the transaction in the same way as if you had inserted the credit card into it.

From the above, I think you have already understood that the Samsung Pay system does not work with all phone models, but only with those that have a magnetic emitter.

What phones does Samsung Pay work on?

Currently, the following models can work with this option:
— Samsung Galaxy S7 (SM-G930F)
— Samsung Galaxy S7 edge (SM-G935F)
— Samsung Galaxy S6 edge+ (SM-G928F)
— Samsung Galaxy Note5 (SM-N920C)
— Samsung Galaxy A7 2016 (SM-A710F)
— Samsung Galaxy A5 2016 (SM-A510F)
In the future, the model range will of course develop.

On which terminals can I use Samsung Pay?

The payment system works with any terminal that supports NFC (Near Field Communication) technology, which is in many ways similar to BlueTooth, only the connection time is much faster (less than a second).
In addition, thanks to Samsung’s own MST (Magnetic Secure Transmission) technology, the service can also work with payment terminals that accept bank cards with a contact chip or magnetic stripe.

What cards are supported?!

A significant limitation in the work and development of technology are several more restrictions.
First, Samsung Pay currently only works with MacterCard cards. The service is not friendly with Visa cards, although the developers promise to add Visa support in the future.
Currently, the list of banks that work with Samsung Pay is small:

JSC "ALFA-BANK" VTB 24 (PJSC) PJSC "MTS-Bank" JSC "Raiffeisen Bank" JSC "Russian Standard Bank" LLC "Yandex"

But in the future, as the service develops, the number of partner banks should increase.

How safe is all this?!

I think you don’t need to explain simple truths - everything related to money, big money, is also of interest to criminal structures. And I think it’s no secret that they will also try to hack this payment service in order to steal funds from the user’s account. The following tools are currently used to ensure security:
Firstly, card data is not transmitted directly. Tokenization is used for this. That is, for each operation a special code is generated - a token. It is transmitted during the transaction. Even if someone can intercept the data transmission, it will not give him anything.
Secondly, each device has a built-in Samsung Knox security system, which additionally protects the device from hacking attempts and virus attacks. Card data is stored in a system-encrypted container, which is protected and separated from the operating system.
Thirdly, even if an attacker takes possession of your smartphone, he will not be able to use Samsung Pay. the fact is that in order to carry out the transaction it is also necessary to give verification with your fingerprint, for which the built-in fingerprint scanner is used.
As you can see, the protection is organized at a decent level and there is no reason not to trust it yet.

How to use Samsung Pay

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.

Now you need to take a photo of your bank card using the main camera of your phone:

After this, data verification will start:

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 the card database:

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

How to use a virtual card in a store?!
So, you are standing near the payment counter in a supermarket or cafe. How to pay for a purchase or service via Samsung Pay?!
First you need to swipe up, that is, press your finger at the very bottom of the screen and pull it up:

This will open your virtual card:

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 from the card, complete the transaction and receive a receipt. The Samsung Pay payment is completed successfully and you can put your phone in your pocket!
If you still have questions, watch the video:

P.S.: As a conclusion, I want to say that we should now expect the arrival of another similar system in Russia - Apple Pay from its main competitor - Apple. Also, with the advent of Android 6.0 to the masses, we should expect the arrival of a third similar mobile payment system - Android Pay. It’s hard to say whether superiority in timing will give Samsung devices any advantages. Time will tell.