Why do some people think Samsung Pay is better than Apple Pay? Samsung Pay service in Russia, comparison with Apple Pay and others Which terminals does Samsung pay work with?

The world-famous company SAMSUNG has launched its own payment system to the masses. SAMSUNG PAY platform based on contactless payments. Using this application, you can pay for purchases in any place where bank cards are accepted - even regular cash register terminals at home, even terminals that support contactless payments.

What technologies does Samsung Pay support?

NFC technology	MST technology
NFC (Near Field Communication) – near field communication. Allows you to exchange data between devices at a distance of about 10 cm.	MST (Magnetic Secure Transmission) – magnetically secure transmission. It is based on the creation of a special induction magnetic field, which creates an imitation of the process of “rolling” a card through a cash register reader.

Who can use this technology?

The technology is supported on the following smartphone models:

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

Note that many phone models, including the Samsung models mentioned above, are equipped with a fingerprint scanner, but some do not. Of course, the presence or absence of a scanner will vary in price.

To use technology Samsung Pay It is not necessary to have a built-in fingerprint scanner (to activate the application) - you can specify the method of activating the application via a PIN code at the application installation stage.

The application works with cards from the following banks:

• Sberbank
• Alfa Bank
• Payment system Yandex-Money
• Bank "Saint-Petersburg
• Binbank
• VTB24/Bank of Moscow
• MTS bank
• Bank opening
• Raiffeisenbank
• Russian Standard Bank
• Rocketbank
• Dot
• Tinkoff Bank

This list will expand. These are mainly cards of the Mastercard payment system, but some banks have also connected Visa cards to the service.

SWIRE – CLICK – TOUCH

This is how this technology can be briefly described.

1. Swipe to open the app;
2. Click on the fingerprint scanner to confirm that you are you;
3. Touch your phone to the payment terminal.

How to install and set up the Samsung Pay app

How to pay via Samsung Pay: situations in the store

Just a tip: if you are standing in line at the checkout, turn it on and log in to the application in advance. You need to bring the phone already unlocked. Don't waste your time on this.

New terminals that support contactless payment

These terminals support contactless payment using Mastercard Pay Pass (or Visa Pay Wave) technology. Such terminals usually have a corporate logo for this technology.

In this case, simply gently touch the phone to the terminal until a sound alert appears and the receipt comes out.

If there are no identification marks on the terminal, then what should I do? Also, bring your phone close to the device. If nothing happens, then most likely the terminal does not support this technology and payment will be made using MST technology. About her below.

Old terminals operating by swiping a card

This means that the terminal works by swiping a card. To pay in this case, you need to touch the phone to the right side - where the magnetic tape reader is located. There is no need to do any additional actions to move the card. 2 seconds and the payment is completed.

What other situations could there be?

Often, you need to enter either the last 4 digits, or a PIN code, and sometimes a signature verification.

• If you are asked to enter the last 4 digits, these last 4 digits will be visible on the card image in the application. Please note, these are not numbers on the PHYSICAL card, but on the cards in the application. We wrote above about tokenization. This is it.
• If you are required to enter a PIN code. If this is a virtual card (for example, Yandex Money), then the code was sent via SMS during its registration; in other cases, the PIN code of the physical card is needed.
• If the terminal is located at the cashier and you cannot reach it. Simply hand the unlocked and ready-to-use phone into the hands of the cashier and he will place the phone on the terminal
• Often there are terminals where there is no computer at all. In this case, the amount is entered manually, and then only the card is required. Just follow the cashier's directions.
• It is rare, but it happens that the cashier asks you to compare your signature on the check with the signature on the card. Click the Signature button and show the signature you made.

Question: what determines all these requirements for entering a PIN code, 4x last digits etc. Is it possible to tie everything to a single standard?

Answer: this depends on the internal regulations of the store, on the issuing bank of your physical card, as well as on the characteristics of the cash terminal.

Step by step, Samsung copies almost every action of its main competitor, the American corporation Apple. Should Apple launch some new feature, how Koreans cleverly copy it and offer it to their fans. The same thing happened in the case of the payment system. Samsung Pay is a direct analogue Apple Pay, With minor changes, which, by the way, may appeal to Russian users. So, let's figure it out. What is Samsung Pay? How to use Samsung Pay in Russia? And is it safe?

System requirements

Before you rush to connect Samsung Pay, make sure your smartphone is ready to work with this technology. To work with the digital payment system, a specialized chip is required, which not all Samsung gadgets are equipped with.

If you currently have one of the phones listed below in your hands, then you can safely connect Samsung Pay.

• Samsung S8.
• Samsung S7.
• Samsung S6 (there are restrictions on working with terminals).
• Samsung Note 5.
• Samsung Gear.

Banks

So, if the phone is suitable for working with the new payment system, consider half the battle done, now you need to make sure that your bank cooperates with Samsung Pay. To do this you will have to familiarize yourself with full list banks and the conditions for their support on the official Samsung website. Even if your bank is not there, then most likely it will appear there in the near future, as new banks and electronic wallets are very enthusiastic about the new payment system.

It is important to note that the list of supported banks is impressive, there is everything from the ultra-progressive bank Tinkoff to the state old man Sberbank.

How to use Samsung Pay: attach a card

Since both the phone and the bank support the new technology, it’s time to move on to its initial setup.

1. First, install protection on your phone. This could be a passcode or (they will be required to confirm each payment, so it is better to choose the second option).
2. Download Samsung app Pay if it is not on your phone.
3. Click on the "Attach card" button and scan it using your smartphone camera. Then manually enter the remaining data (CVV, for example).
4. Go through the bank verification using the SMS code that it will send you (in some cases, you may need to call the bank or be present in person).
5. Further is optional, but if you want, you can add electronic signature, maybe it will come in handy.

That's all, adding the card is finished, you can safely move on to shopping. The setup took us about 5 minutes.

We pay for purchases

How to use Samsung Pay now after setup? The fun part begins - shopping. According to the principle of operation, the payment system is not much different from a regular bank card. Just take your smartphone, place it on the terminal, place your finger on the fingerprint sensor and wait for confirmation. That's all. Payment has been completed. Many users are wondering how to use Samsung Pay in the subway. Everything is just as simple here. The main thing is to find a suitable terminal (they are usually located to the right of all the others).

Interestingly, Samsung phones can work not only with advanced NFC terminals, but also with outdated models that only work with magnetic tape. The company's own development makes it possible to create a special magnetic field between the terminal and the phone, simulating classic bank cards. Works flawlessly. Terminals are easily deceived by this trick and the payment is successful. This means you can pay with your smartphone anywhere. Payment can be made using latest model smart watch from Samsung. By the way, many people talk about commissions for payments, but in fact there are no commissions for users; Samsung takes it upon itself.

Payment security

Appearance new technology greatly worried users and banks, because there could be large amounts, and companies offering such services must protect banking clients. Fortunately, the Koreans also took care of this.

Your payments are protected on all fronts:

• Firstly, during the transaction, your personal data remains on the phone and is not transferred to the terminal. The terminal receives only a random set of numbers, which is enough for it to contact the bank and confirm the payment. This operating principle is called tokenization.
• Secondly, every purchase must be confirmed using your fingerprint, which cannot be faked and used elsewhere.
• Thirdly, Samsung phones have active protection against viruses and unauthorized actions on the phone. This means that if the system suspects that it has been hacked, it will automatically delete all banking data, including card numbers, payment history, and so on.

Possible problems

Problems with the payment system are rare, but they do exist, and many users have encountered them.

• The first problem is not updated software. Many smartphones work on old ones Android versions or on its hacked assemblies. Until you install the latest official firmware, the payment system will not work.
• The second problem is that many phone owners do not have an account. Before using Samsung Pay on your smartphone, you need this account create. To do this, open your phone settings and select the “Accounts” submenu. There you will be asked to complete a short registration, after which you will be able to use all the company’s services.
• The third problem is a damaged NFC chip. Yes, this happens too. Sometimes the NFC module of a smartphone simply does not work properly and therefore needs to be replaced. This problem should be addressed to service center.

Impressions, reviews, discounts

Samsung managed to create a great resonance among consumers. Everyone and everyone rushed to test the new product. Many people decided to try a new payment system only because the company organized an auction of unprecedented generosity and forced many companies to provide discounts to users of the payment system. Even the Moscow administration took a similar step. All summer long, subway fares are half the price when you pay using Samsung Pay. And this is just the beginning.

Samsung has already launched in America new system bonuses. Each purchase made using their proprietary payment system credits the user’s virtual account with some kind of cashback, which can later be spent on various products from the Samsung store. What exactly the company will sell is still unknown, but the Koreans have enough money to attract major partners.

Instead of a conclusion

What do we end up with? A simple and secure wallet right on your phone. Thus, IT companies have once again proven that they can change our lives. Every aspect of life. Now that you know how to use Samsung Pay correctly, it's time to try the system in action.

• Works with any terminals, regardless of the presence of an NFC chip.
• The user can choose from several payment confirmation methods.
• Bonuses, promotions and potential cashback system.

Disadvantages of the payment system:

• Works only on official firmware.
• The number of smartphones supporting the technology is not impressive.

To pay through payment terminals, Samsung Pay uses two technologies - Near Field Communications (NFC) and Magnetic Secure Transmission (MST, magnetically secure transmission). Surely many Android users are already familiar with and have used NFC technology. However, it is not yet so popular for contactless payments. According to Samsung, only 10% of terminals and bank cards support NFC. This is precisely what caused the failure of Google Wallet and this is what Apple Pay will face.

Magnetically safe transmission (MST) works on a different principle. The device is equipped with a special induction loop that creates a magnetic field that can be recognized by the MAG reader of a standard terminal. The generated magnetic field is similar to the signal from a regular bank card, so when making transactions, Samsung Pay deceives the terminal and makes it think that the seller has made a regular bank card.

The range of MST is approximately equal to the radius of NFC and is about 7-8 centimeters. It is for this technology that Samsung acquired the company LoopPay, which initially appeared thanks to a project on Kickstarter. Samsung representatives at the conference said that their payment service will allow paying for goods in approximately 90% of all terminals.

By the way, partnerships have also been established with MasterCard, Visa and other companies that will help expand support for card types and payment services. Of course, since MST imitates a regular bank card, there should be no compatibility problems.

To make transactions using Samsung Pay on Galaxy smartphones S6 and Galaxy S6 Edge, the user will need to swipe up from the bottom of the smartphone to be identified using the fingerprint scanner. After this, you just need to bring your smartphone to the payment terminal and make a purchase. The process is quite simple and identical to Apple Pay. As for security, all data is stored not in the smartphone itself, but on Samsung servers. After the transaction, a unique key is generated, which should prevent fraud.

Despite all the advantages, the technology is still not perfect. Approximately 10% of terminals will not be able to work with MST. And it’s impossible to understand with which terminal the technology will work and with which it won’t without trying it.

Samsung Pay will initially launch this summer in the US and Korea, and later in Europe, China and several other countries. However specific information Not yet. Currently, only the Galaxy S6 and Galaxy S6 Edge are supported smartphones, as they are the only ones equipped with MST. It is not yet known whether Samsung Pay will appear on devices with an NFC chip.

BINBANK cards are also supported, but only those issued under the name MDM Bank. Support for new maps will be implemented later.

How Samsung Pay works

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.

What devices does Samsung Pay support?

Naturally, only owners of Samsung devices can use this system. But not all of the company’s gadgets support the payment system.

What devices is Samsung Pay supported on:

• Galaxy S line (from series 6*);
• Galaxy A line 2016 (A5 and A7);
• Galaxy A line 2017;
• Galaxy Note 5;
• Gear S3.

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

The payment system will not work on other devices, as well as on those from this list that were purchased in another country. Wondering how to connect Samsung Pay to smartphones with Root rights or not official firmware, not worth it, because There is no such option and there never will be due to the lack of security on these devices.

How to set up Samsung Pay

How to install Samsung Pay? There is no need to install a special application. If the device supports this payment system, then the application that is necessary to use it is included in the basic set and is in the list of all applications installed on the device. If your device is supported, but there is no Samsung Pay icon, then follow these steps:

1. Add .
   1. Go to “Settings”, then to the “accounts” section.
   2. Click "Add Account". Select “Samsung account” from the list provided.
   3. Log in to your account or register by filling out all the required fields, and also confirm your registration in a letter that will be sent to your email.
2. Check for updates for your device.
   1. Enter “Settings”, find the “About device” section, in which you should select “Software Update” and click on “Update”.
   2. If there are updates, confirm their installation and wait until the process is completed.

After this, the application icon should appear. If this does not happen, you should contact Samsung service center or technical support.

When all necessary actions will be completed, all that remains is to configure the application.

How to set up Samsung Pay:

1. Launch the application.
2. Add your fingerprint or create a passcode to confirm purchases.
3. Click on the map symbol or the “add” button.
4. Take a photo of the card or enter all the data manually.
5. Click “Next” and accept the agreement.
6. Press the SMS button. Enter the code that will come in the message and click “Send”.
7. Enter your signature on the screen.

Registration will be completed within 10 minutes. If this does not happen, and the card is supported, then you should contact the bank, because He is the one who does the blocking. It is possible that the card has restrictions that do not allow it to be used in such payment systems.

How to use Samsung Pay

How to set up Samsung Pay - albeit the most important question, but not the only one. You also need to know how to use Samsung Pay.

How to pay for your purchase:

1. Swipe your finger across the smartphone screen from the home key up.
2. When the card image appears on the screen, bring the device to the payment terminal.
3. Confirm payment.
4. You can remove the device from the terminal as soon as the second one establishes a connection with the bank, as evidenced by the inscription on its screen.

If you lose your smartphone, all data can be quickly and easily deleted using special service Find My Mobile company. If necessary, you can delete all information manually by performing a general reset.

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. Her 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 made 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 technology, which, unfortunately, is still not widespread enough.

How Samsung Pay works

Holder Samsung smartphone with the support of the service, it 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 using Samsung Pay you can make a payment on one of the following Samsung models Galaxy: 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. Samsung versions Galaxy A3 and A5 2015, as well as S5 and Note 4, the service is not available. In addition to smartphones, you can use samsung smart watch Gear S2 and S3. Please note that Samsung Pay only works on mobile devices with official firmware that has not been rooted or modified.

Does it work on other devices (not Samsung)

Samsung provides full access to payment system only to owners of their 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 can't find Samsung Pay among pre-installed applications on your device, you need to install special update firmware 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 current 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 mobile application jar.

Using Samsung Pay

Samsung does not charge any fees for using Samsung Pay. Another interesting fact- 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.