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Apple Pay vs Samsung Pay vs Android Pay: comparison

Posted: , by Victor H.

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Apple Pay vs Samsung Pay vs Android Pay: comparison

Smartphone mobile payments have finally arrived in a big way in 2015: after Apple introduced Apple Pay in late 2014, the service started to get traction in 2015. Towards the end of the year, two other big names arrived to the space: Google finally overhauled Wallet and re-booted the system as Android Pay, and then, Samsung launched its Samsung Pay service. 

Which is the best and most convenient phone payment system to use in the United States these days?

First, let's make it clear that both Apple Pay and Android Pay use NFC to pass on transactions, and both services require an NFC-enabled terminal. Many popular chains like McDonalds, Subway, Walgreens, Duane Reade and the Whole Foods Market support these terminals, but others like Best Buy do not have them everywhere yet, and smaller local stores will probably take years to upgrade their terminals.

In those places, Samsung Pay's support for the legacy MST standard comes particularly handy: you just place your phone close to the place where cards are swiped, and it sends a magnetic signal that makes it possible to pay using your phone in places where Apple and Android Pay users can't do it. While there are still lots of places that don't accept NFC payments, more than 90% of the stores in the United States have magnetic card terminals that accept Samsung Pay.

Then, there is payment within apps. As we do more and more of our shopping online, it's a huge time-saver to have one-tap payments within apps like AirBnB and Target. Apple was the first to add payments within an app, and it supports the most apps including some very popular ones (Best Buy, Starbucks, Dunkin Donuts, Etsy, Kickstarter, Uber, Target, Ticket Master just to name a few). Android Pay has only recently started supporting payments in an app, so the list of supported apps lacks some key ones, and Samsung Pay does not yet support payments within apps at all.

Apple PaySamsung PayAndroid Pay
Launch dateSeptember, 2014September, 2015September, 2015
Supported phonesiPhone 6, 6 Plus
and later
select high-end
Galaxy phones
all Android 4.4+ phones
with NFC
Supported countriesUS, UKUS, KoreaUS
Upcoming countriesChina - Q1 2016
EU countries - Q1 2016
UK - August 2016
Spain, China - Q1 2016
Australia, Brasil, Singapore
No data
TypeNFC onlyNFC
Magnetic (MST)
NFC only
Shortcut
to launch
Starts automatically
when near NFC terminal
Swipe up
from bottom of screen
Starts automatically
when near NFC terminal
Does it work with
traditional terminals?
--
Does it work with
NFC terminals?
Does it work with
ATMs?
---
Does it work
for purchases in apps?
-

Ease of use


Which of the three is easiest to use? First, we ought to say that Apple Pay and Android Pay automatically activate as you bring your phone close to a terminal, and with just a single tap on the fingerprint scanner to authorize a payment, you can be all done. Samsung Pay is also fairly easy to use: you swipe from the bottom of the display to bring the app to life, and then authorize payments with the fingerprint scanner, but it's that extra step that makes it a bit slower. 

What could be a bit more troublesome is that on older terminals that only accept traditional cards (Samsung Pay works there as well), the cashiers are often not briefed that you can pay using Samsung Pay. This could result in a few weird conversations, but unless you bump into an angry clerk, this should not be an issue.

Security


It's important to know that paying with your phone is in fact secure with all three services.

All three payment solutions are secure

All three payment solutions are secure

If you are paying at an NFC-enabled terminal, it's important to know that the actual card number does not get transferred and have a peace of mind that malicious hackers won't be able to steal it. The transaction uses tokenization, which means that instead of real numbers, what's transmitted over the air are encrypted tokens. The other important security aspect is the Secure Element (SE). This is a separate and special chip inside the phone. It's special not just because it is dedicated to mobile payments: even its physical design is such that it is protected from hardware attacks. Each time a user starts a transaction, the SE assists in generating a random, one-time use code rather actual card numbers.

Then, there are MST transactions with Samsung Pay. You should know that security for those transactions is different than with NFC. In order for MST transactions to work, a magnetic coil inside your Galaxy phone runs alternating currents through an inductive loop and generates a dynamic magnetic field that a terminal can read. This exact magnetic field contains your payment information. How is this secure? First, this current appears for a very short period of time and secondly, it only spreads within 3-inch distance. These two factors make it hard to intercept this information, but for all else, this is just as secure as using a credit / debit card.

Banks and carriers support


All three services work with all major US banks and carriers. 

First, on the carrier side: Apple Pay, Samsung Pay and Android Pay work with AT&T, Verizon Wireless, Sprint and T-Mobile. How are the carriers included in the picture? As far as public information is available, the carrier does not provide any physical chip to guarantee the security of mobile payments (there are no fancy chips on the SIM card, the Secure Element is actually built in the phone itself). 

At the same time, though, your bank has information about your phone number which is linked to your phone. This means that if someone somehow gets a hold of your credit / debit card and starts using it to pay from a different number, your bank will know something is wrong. This adds an additional layer of security, as we've seen reporters say that their cards have been put on hold as they were testing the payment systems with various phones. The bank detected this unusual activity on the card and put payments on hold. A simple call would lift the hold on the card, but it's important to know that those safeguards to exist.
Apple Pay vs Samsung Pay vs Android Pay: comparison

Then, looking at the list of supported banks, you will see that Apple Pay has the longest list, but Samsung Pay and Android Pay also support most bigger banks. Since those lists of banks are pretty long, we won't be reposting them here: you can take a look at all the banks supported by Apple Pay here, by Samsung Pay here, and finally by Android Pay - here.

The apps and supported devices


So what about the apps, the actual interface for making payments? 

Apple Pay comes built in all iPhones: you just need to add your credit / debit card details in the Wallet app, and you are all set up to use Apple Pay. The interface will appear automatically once you approach an NFC payment terminal, and you authorize it with Touch ID and a simple tap on the home button. Apple Pay works on iPhone 6, 6s, as well as iPhone 6 Plus, and iPhone 6s Plus. Apple Pay is the only payment system that works with wearables and the Apple Watch in particular (if you have the Watch, you don't need to have the latest iPhone 6 / 6s, and you can use payments on your watch even when it's paired to the iPhone 5 and 5s).

Apple Pay

Apple Pay


Samsung Pay is a free app that you download from the Google Play Store. In order to start the app, you swipe from the bottom of the screen, and you will see all the cards that you have. You select the one you want to use and authorize the payment with the fingerprint scanner, simple as that. It's important to know that Samsung Pay only works on top tier Samsung phones: the Galaxy S6, S6 Edge, S6 Active, Note 5 and S6 Edge+, but the company has promised to bring it to its more affordable phones in 2016 as well.

Samsung Pay

Samsung Pay


Android Pay, on the other hand, has it best when it comes to compatibility: it supports all phones running Android 4.4 KitKat (or later) and featuring an NFC chip. The app itself is a free download from the Google Play Store, and the interface seems a bit cleaner and it works in a similar manner to the other two.

Android Pay

Android Pay

Final words: Mobile payments in 2016


The past two years have set the stage for mobile payments: the apps are now here, all the carrier and most of the banks support them, but the one missing piece is retailers. In 2016, we expect this final piece of the puzzle to get solved: most US retailers are expected to introduce new NFC-enabled terminals and we'll see cashiers getting used to people paying with their phones.

Mobile payments will finally enter markets outside the United States: most Western European countries are in the roadmap of mobile payment vendors for 2016.

The same goes for the devices: while - apart from Android Pay - only top-end devices now support phone payments, more affordable devices will get support for payments. This will further widen the reach of mobile payments to more people.

And while we will probably still carry our wallets and our cards at the end of 2016, we might be actually using them much less.

137 Comments
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posted on 22 Jan 2016, 10:12 42

1. shaineql (Posts: 344; Member since: 28 Apr 2014)


Samsung is dominating this aera.

posted on 22 Jan 2016, 10:16 18

2. Unordinary (Posts: 1162; Member since: 04 Nov 2015)


Until you click on the provided links for compatible banks and cards, lmfao.

Also wonder why PA left out an important statistic. 28% of all capable Apple Pay phones use Apple Pay. 22% of all capable Android Pay phones use Android Pay. A measly 14% of all Samsung Pay phones use Samsung Pay.. Pair that 14% with no efforts to strong arm banks and cards to accepting Samsung Pay like Apple and Google are doing, and their already tiny card/bank base, and you have a weak platform with little room for growth in the near future.

posted on 22 Jan 2016, 10:26 31

6. Hexa-core (banned) (Posts: 2131; Member since: 11 Aug 2015)


Ha! The Unordinary iFanboy spewing hate.

Samsung is set to add more banks in 2016

Samsung Pay works at even a local shop.

Samsung Pay works at 100% of the places you'll go, since it rocks MST, a payment method which works virtually everywhere!

Apple Pay works at only 1/10th of the places where Samsung Pay will work!

LMFAO

posted on 22 Jan 2016, 10:29 12

10. Jimrod (Posts: 980; Member since: 22 Sep 2014)


Where did he spew any hate? He was just stating fact wasn't he? Like I keep saying, all the hate comes from one side in these debates... Always starts with an "iFanboy", "iSheep" reference - the mark of a true troll.

posted on 22 Jan 2016, 11:44 7

43. willard12 (Posts: 1527; Member since: 04 Jul 2012)


"Weak platform with little room for growth" is pretty much spewing hate and not stating any fact.

When Apple didn't even have NFC, it was no big deal to Apple fans and they didn't care because Apple told the not to. Now, they are arguing over details like who has the most banks and what percentage of people are using it. A year and a half ago, many people didn't care if anyone was using it. The landscape of NFC didn't evolve in a period of 700 days.

"It’s not clear that NFC is the solution to any current problem, Passbook does the kinds of things customers need today.” - Phil Schiller, September 2012

“We believe Apple Pay is going to be huge,” he explained. “It’s going to change the way we pay for things and I’m excited to announce today that we are beginning on Monday. The journey begins and we can’t wait.” - Tim Cook, September 2014

posted on 22 Jan 2016, 16:59

102. HildyJ (Posts: 292; Member since: 11 Aug 2012)


If I have Apple or Android pay, I have to carry a credit card too. Until that changes, neither is of much use. As the US moves to chip and PIN credit cards, even the security features will become moot. Samsung's solution is the only one which makes sense if you want to go with phone payments (which I don't)

posted on 22 Jan 2016, 10:30 2

12. natypes (Posts: 1079; Member since: 02 Feb 2015)


It's only 3 months old. You know as well as everyone this is the best foundation for ANY of the payment systems and if it gets the banks on board it will be dominate.

I can tell by your selfie in your avatar that this is a hard pill to swallow, but you just have to put your big boy pants on and do it.

posted on 22 Jan 2016, 10:33 3

13. Unordinary (Posts: 1162; Member since: 04 Nov 2015)


Hey, we all know it's amazing! It will just be a waste until Samsung takes charge. When Apple released Apple Pay, they got all the banks and card on board. And are doing a hell of a job for retailers as well. That's the step in the right direction. If Samsung is actually serious about this, like Apple is, then they better get to work, or their awesome tech will be wasted.

posted on 22 Jan 2016, 10:38 11

15. Hexa-core (banned) (Posts: 2131; Member since: 11 Aug 2015)


Samsung Pay with MST, not only works at a place which is in partnership with the company, like how Apple pay works at Visa, AMEX, etc.

Samsung Pay also works at a local shop or bar/hotel or wherever!

That's it's advantage!!!

Go, go Galaxy Pay!

#NextIsNow

posted on 22 Jan 2016, 10:41 1

17. natypes (Posts: 1079; Member since: 02 Feb 2015)


So did Android pay/Google wallet. I really don't understand the inner workings enough to comment on getting the banks on-board. Would not surprise me at ALL if Apple was pressuring them NOT to get on board with Samsung Pay.

posted on 22 Jan 2016, 10:59 4

25. Hexa-core (banned) (Posts: 2131; Member since: 11 Aug 2015)


Righ! Apple might have cut a deal with them to not hop on Sammy Pay.

But I'm only guessing...

posted on 22 Jan 2016, 11:09 1

32. willard12 (Posts: 1527; Member since: 04 Jul 2012)


So, who is the largest retailer on this planet and can I use Apple Pay or Samsung Pay at that retailer?

thank in advance.

posted on 22 Jan 2016, 11:22 10

36. TechieXP1969 (Posts: 8344; Member since: 25 Sep 2013)


Top 100 Rank Company Headquarters / U.S. Headquarters
1 Wal-Mart Stores Bentonville, Ark.
2 The Kroger Co. Cincinnati, Ohio
3 Costco Issaquah, Wash.
4 The Home Depot Atlanta

Apple Pay I believe works at all of them. But I can only speak for 3 of them.

What you arent getting is this. Apple Pay only works with 10% of retailers on the whole planet, not just the USA. While Samsung Pay works with 90% of them out the box.

It doesn't matter which retailers. The only ones that matter are the ones you frequent.

Based on the ones I frequent:

Best Buy, Jewel, Target, Costco, McDonald's, Walgreen's to name a few to name a few, they all work with Samsung Pay, but all of them don't work with Apple Pay.

posted on 22 Jan 2016, 13:23 4

67. schultzter (Posts: 9; Member since: 20 Oct 2015)


What you aren't getting is MST is a made for USA solution. The rest of the world uses EMV and NFC. I see less and less mag-stripe terminals here (they might still be on the cash register or customer service desk will have one though).

Banks here all issue EMV cards and no longer accept mag-stripe transactions so I don't ever expect to see Samsung devices with MST here.

posted on 22 Jan 2016, 13:30 1

71. willard12 (Posts: 1527; Member since: 04 Jul 2012)


I don't think Apple Pay works at Wal-Mart. If so, that would be interesting.

posted on 13 Mar 2016, 20:43

137. YoungTravels (Posts: 1; Member since: 13 Mar 2016)


Apple pay does not work at Walmart or Kroger...
BestBuy, Target, McDonald's, and Walgreens in fact DO work with Apple pay, Android pay, and Samsung pay....

posted on 22 Jan 2016, 16:29 1

95. ph00ny (Posts: 1164; Member since: 26 May 2011)


Except the technology used by Apple and Google requires additional NFC reader at the terminals to work. Which in itself is very limiting

posted on 22 Jan 2016, 17:11 1

103. Hexa-core (banned) (Posts: 2131; Member since: 11 Aug 2015)


And also costs big cash to upgrade to NFC readers, since each and every branch or service point will need to be upgraded.

posted on 22 Jan 2016, 11:16 3

35. TechieXP1969 (Posts: 8344; Member since: 25 Sep 2013)


What banks? Do you know what banks? More banks is no benefit if you dont have retailers on board. With Samsung Pay retailers dont have to get onabord because Samsung Pay already works....WAKE THE F....UP!!!!!!!!!!!!

I am goign to have a heart attacked because I just can't believe how clueless you people are.

Are you guys really that dense?

posted on 22 Jan 2016, 11:08 3

31. TechieXP1969 (Posts: 8344; Member since: 25 Sep 2013)


Which dont matter. You can have 100 banks on board it wont matter if the phoen still only works at 10% of retailers. YOU ARE A FOOL.

STop repeating that stupid BS.

Having the usage of 90% retailers is better because you dont need ALL the banks. you just need the important ones.

As in AMEX, CITI, US BANK, CHASE, PNC and more. Those banks have more customers than combining 20 neighborhood bankcards.

You are an idiot. Now I am goign to shut yoru stupid @$$ down once an for all on this:

According to this link, as of the end of 2014 -http://www.creditcards.com/credit-card-news/credit-card-market-share-statistics-1264.php

American Express had 54.9million card holders that spent ovet $680Billion dollars in credit. This makes them the 3rd largest Credit Card issuers. YOU NEED TO UNDERSTAND THE DIFFERENCE BETWEEN A BANCARD AND A CREDIT CARD.

How many neighborhood small banks would it take to equal 55M users vs AMEX? Next? AMEX works with both Apple Pay and Samsung Pay, but AMEX only works with Apple Pay at 10% of retailers while AMEX on Samsung Pay works with 90% of retailers.

Do you see and understand why your point is stupid?

The only advantage Apple has is banks onboard. It wont matter if Apple has 1000 banks, they still will be stuck with 10% usage capability.

Adding a bunch of debit cards? The bank doesn't make any money off you using debit cards. Its just an electronic check. Unless you go over your balance with it or use an outside banks ATM. There is no interest on debit cards.

Banks also dont have to pay Samsung any money for using Samsung Pay, while Apple gets a piece of the action.

But retailers dont have to spend money to accept Samsung Pay vs Apple Pay. Do you understand that?!

Every AMEX user with a Samsung device could poentially use their AMEX everywhere they shop without guessing while you cant use the same card on Apple Pay equally as often. In fact not even close. The gap is a full 90%.

More banks is not the advantage. Let me explain it this way.

Some people have multiple debit cards, how many you think will add all of them to Apple Pay even if every terminal worked with NFC? It wont matter. How do I know? Because I can add all of my bank issued MC and Visa cards and my Discover to Google Pay, yet it has no benefit because NFC isnt available in 90% of business that accept credit cards.

Its not neeing all the banks, its having the big banks. Once Samsung Pay support any card with Visa or MasterCard logo, Apple Pay and Android Pay may still be around, but combined they will account for less than 10% of all mobile transactions.

Apple Pay has only one advantage over Samsung Pay, you can use Apple Pay inside apps for purchases just like Google Wallet. Samsung doesn't offer this yet or may nto ever.

But Apple needs that to make up for the fact, they arent goign to get used at most stores.

The biggest banks in the USA support Samsung Pay. Chase and BofA and US Bank and Citi.

posted on 22 Jan 2016, 11:14 2

33. TechieXP1969 (Posts: 8344; Member since: 25 Sep 2013)


Think about how many of those card holders may have a Samsung phone where they can use their card at nearly all of the same places they normally take their card out.

The problem with mobile payments is many people arent keen on using their phone in public. They are afraid of getting them snatched. Which is a reasonable fear here in Chicago or new York for examples.

You have to encourage usage. Like maybe cash back or discounts or something. Not just giving away free accessories. You need a program of continuous rewards.

Like Samsung should give 2% of every purchase made with Samsung Pay.

When NFC is more widespread then Apple having more banks onboard will be an advantage. The problem is, in the US this may or may not happen. In case it doesn't..Samsung Pay will work until Magstrip dies and it never will.

Because Chip readers still have the swipe as backup in case the chip gets damaged or doesnt work. I have gone to many retailers that have chip readers, but ti isnt up and running. McDonald's is one of them.

posted on 22 Jan 2016, 13:17

65. TBomb (Posts: 686; Member since: 28 Dec 2012)


Or paying with a phone isn't as big of a deal for people as it seems? Just because it's not adopted, doesn't make it worse. In the world of vertical lift, coaxial rotors are in many cases better, but not seen very often.

posted on 23 Jan 2016, 15:42 1

127. HomerS (Posts: 168; Member since: 19 Sep 2014)


@Unordinary

Did you click on the correct link?

Samsung Pay is compatible with 42 banks, not speaking of Korea.
Android Pay works with 34 banks

Sure Apple pay is in the lead here but has 1 year time advantage, definitely no laughing matter.

posted on 24 Jan 2016, 05:53

130. Solun (Posts: 6; Member since: 18 Nov 2013)


You look at it from an entrepreneur point of view. Yes, it is better when 28% of iphone users use Pay compared to 14% of galaxy users BUT people here look at it the right direction, from the user´s point of view. And if you are a user of their device, you cannot pay practically anywhere compred to samsung´s Pay. So if I only can pay with my phone, I will definitely choose samsung because I can pay anywhere. And of course more people use apples´ pay if everyone in the US has the iphone but I bet the average number of transactions per user is much, much larger with galaxy users because they can pay anywhere they want.

posted on 22 Jan 2016, 10:21 1

5. Odeira (Posts: 242; Member since: 29 Jun 2012)


Yeah. It was a great call for Samsung to use the MST standard (If you swipe your MasterCard on a device near the register then enter your PIN before you pay for something, you're using the MST standard) instead of completely proprietary NFC systems as the other standards. Shame it's only for the absolute best Samsungs right now and that IAP's are off the table...

posted on 22 Jan 2016, 10:26 3

7. Jimrod (Posts: 980; Member since: 22 Sep 2014)


I think it depends where you're from, NFC is all over the UK and I can't remember the last time I saw anyone use the magnetic strip method (aside from my old American boss), in the US however it sounds like NFC is rarer and magnetic strip is still the standard. You buy what suits your needs at the end of the day!

posted on 22 Jan 2016, 10:45 2

21. tedkord (Posts: 10231; Member since: 17 Jun 2009)


NFC is quite rare in the US. What's more, the new RFID chip standard they are going to does not require a PIN, meaning it takes three times as long with no more security. Kind of silly.

posted on 22 Jan 2016, 10:59 2

26. tedkord (Posts: 10231; Member since: 17 Jun 2009)


I should add, I'm really surprised at how slow the turnaround is, since US credit card issuers have transferred all fraud responsibility to the merchant where there is no RFID reader. There just doesn't seem to be any urgency.

posted on 22 Jan 2016, 11:35 1

38. TechieXP1969 (Posts: 8344; Member since: 25 Sep 2013)


Now you are starting to get it. We are the reverse of England as a whole. Remember the US broke away from jolly ole England for a reason.

You have chess, we have checkers. You have biscuits, we have cookies. You have a lift, we have an elevator. You have NFC, we have MagStripe.

I don't think NFC will ever get really big because it requires retailers to spend money. Maybe as they open newer stores maybe they will.

posted on 22 Jan 2016, 11:03 3

30. Predator-X (banned) (Posts: 44; Member since: 07 Jan 2016)


pointless article for EU..

posted on 22 Jan 2016, 14:34

80. Nallaikumaran (banned) (Posts: 61; Member since: 14 Sep 2015)


The beauty of Samsung Pay is it uses NFC AND MST. That's the big advantage of Samsung pay. It supports both worlds so you've the choice. On modern terminals, you can use NFC and on older MST.

posted on 26 Jan 2016, 10:39

134. murphslaws (Posts: 54; Member since: 22 Apr 2015)


I do love paying with my phone, the clerk telling me that their thing doesnt do smartphones then being dumbfounded when my payment goes through :) (i have a sammy s6 edge)

posted on 22 Jan 2016, 10:17 5

4. natypes (Posts: 1079; Member since: 02 Feb 2015)


Didn't realize Best buy didn't have it everywhere, kind of ironic really. My Best Buy has it. Of course, when I bought my Gear S2 I had to use it. The cashier didn't even know they could accept it.

The thing is, it doesn't matter if the list of banks supported is 1,000,000 banks long if your bank isn't supported it's worthless to you. It may have all the potential in the world, but if it doesn't work for you then you do not care. Unfortunately, Samsung pay doesn't have my bank on the list. It's one of the main reasons I bought an S6 (and then a Note 5). I've sent my bank an email and I think I'll send another one today.

posted on 22 Jan 2016, 10:28

9. Ashoaib (Posts: 3229; Member since: 15 Nov 2013)


samsung pay is very useful... it is supported even in small grocery stores but the problem is, as PA has mentioned, that cashiers are unaware about it... it will take time for less educated cashiers to understand phone payments

posted on 22 Jan 2016, 10:39 2

16. natypes (Posts: 1079; Member since: 02 Feb 2015)


That's not the issue really. It's the lack of banks on board. I want my debit on it, not my credit. Unfortunately, I use a local credit union so I don't know if I will ever get support. Some cashiers have to know how you're paying, but it seems most do not. They can't stop you from putting your phone near it and by the time they say that doesn't work it's already accepted.

posted on 22 Jan 2016, 10:28

8. maxha97 (Posts: 89; Member since: 28 Aug 2012)


In korea samsung pay support several banks' atm but not all.I think it will expand to other countries too.Also samsing is already working on using samsungpay in foreign country. Also they are working on making app purchase. I think samsung is really working hard to pack many features to be no 1 in this part.

posted on 22 Jan 2016, 10:41 1

18. tedkord (Posts: 10231; Member since: 17 Jun 2009)


Samsung's MST uses tokenization, also.

posted on 22 Jan 2016, 10:43 2

19. TechieXP1969 (Posts: 8344; Member since: 25 Sep 2013)


FACT:

1. Apple Pay vs Samsung Pay: Tokenization & Authentication

The first thing you need to understand about Samsung Pay and Apple Pay is that the underlying technology is virtually the same thing. Both use a tokenization process that allows your store credit and debit cards in your phone to keep their card numbers private and instead send a digital ID, or token, to the merchant’s terminal. This token pretty much ensures no one can lift your card details during transfer. The tokenization system in both Pay platforms is the Mobile Digital Enablement System (MDES) built by MasterCard.

On top of tokenization both Apple Pay and Samsung Pay require that any payment is confirmed by fingerprint identification. This biometric ID is how your phone knows it’s you making the transaction and not someone else. On an iPhone you use Apple’s Touch ID; on a Galaxy S6 you use Samsung’s new and improved fingerprint reader. I say “improved” because you simply now only have to tap your finger to the reader on the S6 instead of needing to swipe it along the reader as you did on the S5.

With Samsung Pay, tokenization is used whether you use NFC or MST. because your actual card data is never sent. When I shop at Jewel and i use Samsung Pay (which si the only option), the cashier always asks me for the last 4. You have to give them the fake last 4 as the actual last 4 from your real card dont work. Its like the CVC code almost.

Apple Pay has the banks on board advantages an many neighborhood banks are onboard. Samsung has the advantage of having the larger US banks onboard and having the benefit of working with existing terminals while Apple Pay requires hardware and software upgrades where Samsung Pay needs neither.

Niether is anymore secure vs the other because they use the exact same technology provide by MasterCard Bank.

However, this is where Samsung could kill all mobile payments system at once.
They need to sit down with Visa and Mastercard to create a way that any card bearing the Visa logo or MasterCard loco could be added to Samsung Pay no matter which bank issued it. Because even though banks issue cards with their logos, they are not Visa's and masterCard issues cards. getting a Visa issues directly to you from Visa Bank is equal to trying to get an American Express card. Same for a MasterCard.

Your banks Debit/credit have the logos to provide a broader field of acceptance. if you remove Visa and Mastercard from bankcards, you will be forced to use ATM's and other terminals that accept other pay system like Pulse and STAR. Those pay system may not be available everywhere you go. Pulse cards are accepted at nearly all ATM machines, but STAR is not.

Whoever Visa and Mastercard are accepted at all ATM's, but you can pull cash because that card support Pulse or STAR.

The probem with Apple Pay is yes they are getting small banks onboard, but have an acceptance issue. Samsung has bigger banks...

posted on 22 Jan 2016, 10:51 1

24. TechieXP1969 (Posts: 8344; Member since: 25 Sep 2013)


...but less banks but has less of an acceptance issue.

Apple has 2 phones and a watch that work with Samsung Pay and a tablet.

While this year Samsung Pay will work on both the J & A series phones along with the latest already support S models and Note 5. Once all the International models support Samsung Pay that will be more. also the Gear S2 will support it, but I think only NFC, but if it can support MST as well, that would be a huge plus.

Cost? Consider a retailer like Best Buy who right now doesn't support Apple Pay, would have to upgrade first to NFC enable terminals that could cost $400 each for a chain that has maybe 1000 stores more or less, while to support Samsung Pay they have to spend nothing at all.

What Samsung needs to do is this:

Work with its customers to do survey's that reveal places they have used Samsung Pay. Then Samsung should spend money and send all of them a door tag so people with Samsung phones can know Samsung Pay works here. Just like Apple does.

This will encourage usage. Because I see people go into location that can use Apple Pay, I watch them stand in line an play with their phones, but they aren't even using it. They like me just simply have the habit of reaching for their cards. Now I have broken that habit and I reach for my phone first.

posted on 22 Jan 2016, 11:16 2

34. willard12 (Posts: 1527; Member since: 04 Jul 2012)


Techie, I'm with him on this. You've got to understand that no one is reading this and you're just wasting your time. Your shorter comments are spot on

posted on 22 Jan 2016, 10:43

20. cncrim (Posts: 796; Member since: 15 Aug 2011)


Samsung Pay hand down, however the crappy part is any phone have been rooted you screw..... Regardless reinstall stock ROM.

Samsung need to fix this Knox trip, and fingerscan reader scratch proof. It is two biggest flaws I see

posted on 22 Jan 2016, 13:28

69. tedkord (Posts: 10231; Member since: 17 Jun 2009)


That's really not wanted. If a phone has root access, there are ways to get to the credit card info stored on it.

posted on 22 Jan 2016, 10:50

23. talon95 (Posts: 465; Member since: 31 Jul 2012)


Samsung pay all the way. Works everywhere so there's no reason to mess with anything else.

posted on 22 Jan 2016, 11:00 3

27. RebelwithoutaClue (Posts: 2700; Member since: 05 Apr 2013)


I rather stick to NFC payments using my own bank. No middleman

posted on 22 Jan 2016, 11:44

44. Hexa-core (banned) (Posts: 2131; Member since: 11 Aug 2015)


But what about payments at a bar or Hotel or grocery store?

Galacy Pay all the way!

posted on 22 Jan 2016, 11:53

46. RebelwithoutaClue (Posts: 2700; Member since: 05 Apr 2013)


There is usually one bar I come, where I just pay the tab on a monthly basis. I only come in hotels for work, so they are paid for. And most grocery stores in my country either accept NFC payments or will soon enough. Most banks over here give you a NFC enabled card so I can always revert to that one.

posted on 22 Jan 2016, 13:02

62. tedkord (Posts: 10231; Member since: 17 Jun 2009)


NFC using what? If a phone, whether Apple, Samsung or Android, you've got a middleman.

posted on 23 Jan 2016, 05:52

121. RebelwithoutaClue (Posts: 2700; Member since: 05 Apr 2013)


Since my bank has its own app for NFC payment, there is no middleman. Unless you consider the phone itself the middleman. But payment information doesn't pass through Apple, Google or Samsung.

posted on 22 Jan 2016, 11:53 1

48. natypes (Posts: 1079; Member since: 02 Feb 2015)


As long as my local brothel supports NFC I'm ok.

posted on 22 Jan 2016, 11:57

49. Ninetysix (Posts: 2339; Member since: 08 Oct 2012)


TFWNGF

posted on 22 Jan 2016, 12:00

51. buenos (Posts: 7; Member since: 24 Sep 2014)


PA you forgot.....Samsung pay works with the Square reader!
you should see the reaction from people when i use my note 5 to pay at my favorite food trucks!

posted on 22 Jan 2016, 12:04 2

53. tntwit (Posts: 43; Member since: 11 Sep 2012)


From another review I read (don't remember where), Samsung pay will not work anywhere the card has to be inserted, like a gas pump (their example).

If this is accurate, it still won't replace your card, which makes it pointless in a way. I want to be able to ditch the cards clogging my wallet, but the technology is not there yet.

My wife has the S6, but our bank doesn't support Samsung pay, so it's no good to us anyways.

posted on 22 Jan 2016, 12:15

56. buenos (Posts: 7; Member since: 24 Sep 2014)


ha...i went and opened an US Bank account just so i could "test" it out!

posted on 22 Jan 2016, 13:03

63. tedkord (Posts: 10231; Member since: 17 Jun 2009)


How, realistically? Are you going to have your phone too the waitress?

posted on 22 Jan 2016, 14:18

78. darkkjedii (Posts: 19734; Member since: 05 Feb 2011)


Lol two demerits bro.

posted on 22 Jan 2016, 14:57 1

84. tedkord (Posts: 10231; Member since: 17 Jun 2009)


Dammit!

posted on 24 Jan 2016, 08:29 1

132. tntwit (Posts: 43; Member since: 11 Sep 2012)


That's the point. It doesn't really matter how many places it works, if it won't work everywhere. They haven't replaced your card, yet.

Who knows, maybe in the future they'll bring portable card readers to your table.

The one thing that interests me, and thus one reason it would matter how many places they work, is that it's supposed to be more secure.

posted on 22 Jan 2016, 12:58 1

61. Macready (Posts: 831; Member since: 08 Dec 2014)


To be fair, Android Pay is the successor of and builds on the basis of Google Wallet, which was introduced may 2011.

posted on 22 Jan 2016, 16:57

100. surethom (Posts: 605; Member since: 04 Mar 2009)


NO 1 Android pay is America centric Only so Android fails hand down untill it come to NFC contact less pay king UK & Europe.

posted on 22 Jan 2016, 19:05

107. jeroome86 (Posts: 848; Member since: 12 Apr 2012)


I have a really thin rectangle gadget I can use anywhere. Really cool. It's my bank card. So everyone have fun arguing and getting Techie on a I Hate Apple rant. I'm sure at some point I may try this but I have no problem pulling out my wallet.

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