Which phones can you install Samsung Pay on? Does Samsung Pay support World Sberbank cards? We use a virtual card for payment

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). Credit cards of this amount there are only 30 million, which can be considered a drop in the bucket.

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 just 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 Apple Pay or Samsung Pay, is 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, not 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. Distinctive feature The problem with 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, the same 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 can use mobile internet contact the payment system 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 payments on the web at a time when data interception was a reality has suddenly become key feature 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 are 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 in your smartphone or smart watch, 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 application, you are authorized either by code or fingerprint (in Galaxy Note 7 there is still an iris of the eye). 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 much gain in speed, contactless or regular card With a PIN code you pay for purchases exactly 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 did the information come from that Apple Pay is supported starting from iPhone versions 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, amounts to 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 from using NFC, payments are supported in any terminal that is capable of accepting a card with a magnetic stripe and/or a 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 a 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 with mobile phone in one system or another. 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 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 like that 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 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.

It often happens that people go out without cash and 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 in modern smartphones Samsung devices that support 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

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 remain 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 Gear S2 and S3 smartwatches to make payments. Please note that Samsung Pay only works on mobile devices with official firmware, not subject to rooting or modification.

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 mobile application jar.

Using Samsung Pay

Samsung does not charge any fees 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.

On November 7, 2016, Sberbank launched the Samsung Pay contactless payment service for its many clients - owners Samsung smartphones. Let us remind you that a month earlier Apple Pay became available to bank clients.

The launch of the Samsung Pay payment service by Sberbank is, perhaps, a larger-scale event, since there are still more owners of Samsung smartphones than Apple smartphones. It is also worth saying that the technology from the South Korean corporation is different from Apple, which makes it more interesting from a technological point of view. But first things first.

So, in this review we will look at:

What devices and cards does Samsung Pay support?
How to connect Samsung Pay Sberbank.
How to set up and use the payment service.

What devices does Samsung Pay support? Sberbank

Today, the Samsung Pay payment service is available to the owner of the following gadget models:

Samsung Galaxy S8 and S9, as well as their PLUS versions.
Samsung Galaxy S7 EDGE and simply S7.
Samsung Galaxy A5 and A7 – 2016 release.
Samsung Galaxy Note5.
Samsung Galaxy S6 EDGE+.
Samsung S6 EDGE and S6 (NFC only) – from November 2016

As you can see, the list of smartphones is small, but nevertheless, in the near future we can expect the expansion of this list with new models. Also note that unlike Apple Pay, this service is not supported on smartwatches.

As for the cards that are supported by this payment service, at the moment these are only MasterCard cards. Visa cards will become available for connection within a few months. So, if you only have VISA cards, you will also have to open a debit or credit MasterCard (for example, a free MasterCard Momentum).

How to connect Samsung Pay Sberbank

Provided that your smartphone is suitable for connection and you have a Sberbank MasterCard card, you can safely connect contactless payment Samsung Pay.

To do this you need:

Go to Samsung app Pay and register account Samsung (if you didn’t have an account).
Set how you will confirm the transaction: fingerprint or four-digit code.
Next, add a card by scanning or manual entry.
Click “Accept user agreement”.
To activate the card, you will receive an SMS from the bank with a confirmation code. This code must be entered in the Samsung Pay application.

That's it, your card has been added. Now you can start shopping.

To see how easy it is to connect and configure Samsung Pay, we recommend watching the video instructions:

How to use Samsung Pay Sberbank

All Samsung settings Pay is made directly in the application of the same name on your smartphone. For example, add or remove a card, etc.

Due to our own patented MST technology (from the English Magnetic Secure Transmission - magnetic secure transmission) using the Samsung Pay payment service, you can pay at any terminal where the card is accepted. It is not even necessary that the terminal supports NFC contactless payments. The fact is that MST technology imitates the magnetic stripe of a bank card and transmits this information to the terminal, which perceives it as if you had passed the magnetic stripe through the terminal reader. The technology is truly unique and innovative.

To pay for a purchase using the Samsung Pay service from Sberbank you need to:

Launch the payment application. The application is launched by clicking on the icon on the home screen or by swiping up from the bottom (moving across the screen without lifting your finger).
Select card with which you want to pay for your purchase.
Login by fingerprint or code.
Bring your smartphone to the terminal and pay for your purchase. If the terminal is old and does not accept contactless payment, it is advisable to place the smartphone not on the terminal screen, but on the place where the cashier usually swipes a bank card (magnetic stripe reader). Typically, it is located on the side of the terminal. This will be a kind of imitation of the magnetic stripe of the card. If you see that the terminal is modern, and there is an NFC icon on the screen (an icon in the form of three radio waves), then feel free to touch your smartphone to the terminal screen.

How much does it cost?

No additional fees. Only the plastic card itself is paid (usual fees for issuance, servicing, loan interest, etc.) in accordance with the Client’s PU. There are no additional fees for the token, as well as operations on it. Even if there are 20 tokens.

I lost my card - what should I do?

Block the card in any usual way.

If the card is blocked through a branch, call center or Alfa-Click, all tokens will be blocked automatically.

If a card is blocked through Alfa-Mobile, only the card will be blocked, the tokens will continue to work. You can block or delete tokens separately from the card through Alfa-Mobile or through the SamsungPay application.

I lost my phone - what should I do?

Lock your smartphone using the Samsung Find My Mobile service. This will stop all payment card tokens added to Samsung Pay on the device.

If you have access to the Alfa-Bank application, block the tokens in it.

Otherwise, block your bank card through the call center, Alfa-Click or Bank branch - all tokens of this card will stop working automatically.

What can you do with tokens in Alfa Mobile?

View all tokens issued for the card
View token transactions in the statement (the word “SamsungPay” will be added to the comments to the transaction)
Block/unblock tokens separately from the card itself (in the “Cards” menu)

What is the PIN code for the token?

If, when paying with a token, the cashier asks you to enter a PIN code at the terminal, you must enter the PIN code of your plastic card.

The virtual card does not have a PIN code, so you can pay with a token only where a PIN code is not required. By the way, you may not be asked for a PIN code even for purchases over 1000 rubles. - this is how the most advanced terminals can work.

What does "PIN" mean on your phone screen?

Where can I pay with Samsung devices?

You can pay wherever bank cards are accepted for payment: at your own expense Samsung technology MST (Magnetic Secure Transmission) Samsung devices create an alternating magnetic field to transmit data to the payment terminal in the format of a magnetic stripe of a payment card. Payment using Samsung Pay is not possible only on older terminal models where you need to physically insert a plastic card.

Also, using the Samsung Pay service, you can withdraw cash from ATMs and pay for purchases on websites and mobile applications.

What happens to the card if I delete the token?

Nothing. The plastic card will work as it did. Tokens can be deleted and recreated at any time. And it's free.

Why was I unable to create a token?

The most common reasons:

Phone does not support SamsungPay
The card parameters are incorrect (number, expiration date, CVC2 code)
Card is blocked, or invalid, or inactive
There is no valid phone number that you provided when contacting the bank
Incorrect SMS code entered
Unstable Internet connection
Unstable signal cellular communications
The number of simultaneously created tokens has been exceeded (maximum 10 different tokens per phone, 20 tokens per card to different devices)

If the above steps do not help, contact technical support Samsung by phone. 8-800-555-55-55

The design of the card on the screen is different from the design of the plastic card

It's OK. This does not affect the ability to pay with a token.

The bonus card number is not visible on the screen on the card

That's how it should be. The phone does not save the photo of the card itself, so it does not remember or display the bonus number.

Where will the SMS arrive?

SMS will be sent to the phone number registered in the Bank’s systems (from any service)

Does Samsung Pay work with Samsung Gear S3 classic and Samsung Gear S3 frontier?

Will I receive bonuses on my card (Aeroflot, World of tanks, Russian Railways, etc.)

Yes, they will. When paying with Samsung Pay, all bonuses of the original card are preserved - except for M-Video cards connected to Samsung Pay in M-Video stores. This is a feature of a partner’s work. When paying with Samsung Pay in other stores, bonuses will be awarded, including when paying with a token for an M-Video card.
To pay for a purchase using M-Video bonus points, you need to present an M-Video plastic card or provide the phone number that you indicated when receiving the plastic card. If you notice that bonuses were accrued incorrectly or were not completed, please contact the bank.

Samsung Pay for Android is a free and convenient wallet application created by the company of the same name for making payments using a mobile phone or other supported gadget with one touch.

You can download Samsung Pay for Android APK file For Samsung phones and is recommended for users who want to pay quickly and with one touch from a smartphone or tablet.

It is used here in the same way as regular payment plastic cards, with almost any trading terminals corresponding to payment system- magnetic, chip contact or short-range contactless communication.

Samsung Pay allows you to use your gadget as a safer, faster and easier process for paying for goods and services. All confidential data passed through the device is replaced with unique tokens. In addition, making payments using the application does not require an Internet connection; the device interacts with the terminal via contactless NFC technologies and MST.

Benefits of the service:

encryption of data with spontaneously generated digital tokens;
ease of launch and operation in one movement and click;
confirmation of each payment with biometric authentication or password protection;
possibility of universal use.

The service is launched by simply moving your finger from bottom to top across the gadget screen or by clicking on the Samsung Pay icon. The application can support up to 10 different bank cards.

Changing from one to another is done by moving across the screen from left to right or vice versa during the transaction.

Adding a card to the service:

Make sure that the selected banking system supports the Samsung Pay service.
Install the application and register using your current Samsung account (e-mail).
We choose the most suitable identification method: fingerprint scanning or PIN code.
Add a bank card by taking a photo with a camera or entering the data manually.
We check the boxes and agree to the terms of service provided by Samsung Pay and the bank.
We go through authorization at the bank using SMS, the service is ready to use.

To make a payment, you just need to bring the device with the service running to the terminal. It is worth keeping in mind that Samsung Pay does not support terminals that require the physical presence of the card inside. For example, a card reader in an ATM, where you need to insert a card into the device to complete a transaction. Also, today there is no possibility to pay for a purchase on the Internet.

There are no fees for using the application.

The rates applicable to payments made via regular bank cards. If it is necessary to return funds written off using the service, it occurs in the same way as with regular purchases - in accordance with the law and the rules of the store.

It is possible to download Samsung Pay for Android for free using the APK file from the link below and is necessary for those users who want to make any purchases through their smartphone or tablet.