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Samsung Pay has sold me on mobile payments
- Thread starter Theswweet
- Start date
I'm always going to carry my wallet anyways because transitcards, ID etc. so don't really see the point of finicking with my phone when paying. Not like it's one less thing to carry around, just handing over more of my info to another MegaCorp. Most, if not all, cards and terminals here have NFC so no need for inputting PIN under a certain amount and no hassling with terminals that have crappy chip-readers. I haven't used magstripes since over a decade and wouldn't today because it is easier to copy cards via magswipes AFAIK. Whenever I've seen people use Samsung or Apple Pay it has taken them longer than regular card NFC, or equally long at best. Don't really see the point.
Funny thing is in America, digital transit cards and IDs are coming.
use apple pay wherever possible
back in 2015 when the apple watch came out, paying with the watch created major attention.
i'll always remember one cashier saying, "you think you're james bond or something"
back in 2015 when the apple watch came out, paying with the watch created major attention.
i'll always remember one cashier saying, "you think you're james bond or something"
Incorrect. Samsung Pay does embed a unique token on the swipe transaction that is more secure than a standard card swipe. I also don't believe they use your real card number.
There was some big fuss made that someone had supposedly "broken" the Samsung MST security, but if you actually read the details it took a lot of wierd workarounds to do so (such as jamming the wireless signal so that it wouldn't reach out for a new token, among other things) and even then would be time-limited by the token's short expiration. Nothing that someone would be able to do casually.
Been using WeChat pay for years now. It's literally everywhere in China. I can use it at vending machines and with the street vendors selling fruit or anything else. I carry a few hundred in cash for emergencies and don't even use an actual wallet anymore. Traveling to the States and other places that still use cash (coins!) and cards feels ancient now.
People barely know about contactless where I live even through most machines can do it (only happened once so far when the cashier was aware of the system and knew how to use it). Still a longways for me to start being able to use it even with my card, people will think I'm from another planet if I raise my phone to pay.
I had been thinking about changing phones but leaving Samsung Pay behind would suck. A lot of stores here still don't take nfc payments so Samsung Pay is really useful. I do miss when SP had better point rewards though. Now the points are almost worthless to me.
Edit: Also, I still have encounters where clerks don't think it will work. I also announce I am going to use it and how it works(if they question me) a lot as well because people think you are doing something shady sometimes.
I think (at least now) that Samsung Pay creates a unique card number because there is a different "last 4 digits" that you are supposed to show to the cashier if they ask for it(never had anyone ask).
Edit: Also, I still have encounters where clerks don't think it will work. I also announce I am going to use it and how it works(if they question me) a lot as well because people think you are doing something shady sometimes.
I think (at least now) that Samsung Pay creates a unique card number because there is a different "last 4 digits" that you are supposed to show to the cashier if they ask for it(never had anyone ask).
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We do have digital transit cards here but I rather use the NFC-card than download the shitty app for it. Never heard of digital ID's being a thing, how would that work? Open an app and you get a display of a regular ID? I've had that for student-cards and stuff but not for national identification with photo. Who issues ID's in the US? Is it state-level? Federal? Banks?
I just have an app from my bank. No need to tell Google/Samsung/Apple my purchase history. Tap the smartphone (no need to open the app) and it pays.
But yeah mobile payment is super convenient.
Edit: it's NFC though, I don't think any country in Europe still uses the magnetic band for over five to ten years.
But yeah mobile payment is super convenient.
Edit: it's NFC though, I don't think any country in Europe still uses the magnetic band for over five to ten years.
It's not my daily driver, but yeah, it's fantastic for when I forget my wallet or don't feel like pulling it out.
I ran to the store the other day and when I got to the checkout I realized that I'd left my wallet in the car. Having Samsung Pay on my Galaxy Watch totally saved me from having to run back out and hold everything up.
I ran to the store the other day and when I got to the checkout I realized that I'd left my wallet in the car. Having Samsung Pay on my Galaxy Watch totally saved me from having to run back out and hold everything up.
The vending machines at work all taking Apple Pay has been a mix of good and bad. I get too many sodas now!
I use Google Pay, not Samsung Pay, but I love mobile payments and use them wherever they're offered.
I used to think Google Pay and Samsung Pay were basically the same functionality, but someone here explained how Samsung Pay is more backwards compatible with older systems that don't support whatever the latest thing that Google & Apple Pay do... Because it has some magnetic strip signal. That's fucking awesome. I wish that was built into the Pixel lineup and supported via Google Pay.
I'm always impressed whenevr I go to use some weird vending service and it supports mobile payments. THe latest was at this random gas station, the coin-op tire inflator accepted mobile payments. I was pleasantly surprised because these are the exact type of systems that are vulnerable to people hacking them with card skimmers or whatever else.
Yeah, we use LevelUp at work and I'm pleasantly surprised whenevr I go into a restaurant that supports it. I know Boloco, the burrito chain, supports LevelUp, as does Gregory's Coffee chain in New York City. I think I prefer the standard Google Pay / etc over that because it's just another account that I don't want to manage, but the perks are good. I've got $20 in credits right now because it's my bday this week and I hit some threshhold for rewards ($100 or something).
I used to think Google Pay and Samsung Pay were basically the same functionality, but someone here explained how Samsung Pay is more backwards compatible with older systems that don't support whatever the latest thing that Google & Apple Pay do... Because it has some magnetic strip signal. That's fucking awesome. I wish that was built into the Pixel lineup and supported via Google Pay.
I'm always impressed whenevr I go to use some weird vending service and it supports mobile payments. THe latest was at this random gas station, the coin-op tire inflator accepted mobile payments. I was pleasantly surprised because these are the exact type of systems that are vulnerable to people hacking them with card skimmers or whatever else.
Yeah, we use LevelUp at work and I'm pleasantly surprised whenevr I go into a restaurant that supports it. I know Boloco, the burrito chain, supports LevelUp, as does Gregory's Coffee chain in New York City. I think I prefer the standard Google Pay / etc over that because it's just another account that I don't want to manage, but the perks are good. I've got $20 in credits right now because it's my bday this week and I hit some threshhold for rewards ($100 or something).
Phone payments aren't really more convenient than using a card, watch payments however are very much so.
More and more POS kiosks are accepting digital payment which is great. I have one of those micro wallets that is essentially a 20 dollar bill, my id, 1 credit card, and my debit card. Ideally in the next couple of years i may only need my emergency 20 and my ID.
I haven't used the Samsung one (simulating mag stripes is neat, I guess, although it's been years since I've encountered somewhere that uses them) but Google Pay has worked well.
I generally just use my card, as every so many transactions is going to prompt me to enter the chip anyway. Not sure if I can change how often that occurs .
I generally just use my card, as every so many transactions is going to prompt me to enter the chip anyway. Not sure if I can change how often that occurs .
If you have multiple accounts, Google Pay or an equivalent is really handy. Yes, I could just get the different cards out of my wallet, but it's much easier to tap my joint account, personal GBP account, business account, or Revolut account in the app and just touch my phone to the reader. Even though I live in the countryside in the UK, contactless payments are everywhere, so I can quite easily leave my house without my wallet these days.
Yep. I like Googles Pay too, but Samsung Pay is a league above all of them by far. Its just flat out accepted everywhere. Its crazy to me Google hasnt copied that yet.
Any retailer with half a brain for business should be supporting contactless payments. It's the fastest and most secure way to pay, both key items that affect their bottom line.
Thats just in general because of RFID scammers. They can run their leg beside you and rob you of your entire bank account if that limit wasn't in place.
How does that work? You still need to authenticate with Touch ID or Face ID.
I do understand it was placed for physical cards that support tap. How will that work on Apple pay? Apple pay is pretty much a chip and pin. It's even more secure than chip and pin, IMO.
I love just double clicking the button my apple watch and then just holding it up to pay. It's so convenient. I never got a chance to try Samsung pay but it working with even more stuff is awesome.
Depends on the retailer and their systems, contactless limit in the UK is £30, but the retailer can choose to support unlimited as long as the transaction is authenticated with biometrics, there are plenty of retailers in the UK that have no limit in place when using Apple Pay.
Samsung Pay has saved me a few times and apart from the tech being superior, I've earn rewards points from using it, which can be applied to Samsung store purchases. When I traded in a phone and bought the S10, they allowed me to apply Samsung Reward points towards the purchase. So that's pretty nice.
When I traveled to the UK, it would nice not needing to purchase a separate transit pass and just use my phone which capped the amount charged at 8 pounds and treated it as a daily pass.
I don't know about this payment method being faster though. Because of this little thing: https://www.amazon.com/FIDELO-Minimalist-Wallet-Men-Vegetable/dp/B07FHYXRWZ/ I can typically get access to my commonly used cards very quickly. Samsung Pay is certainly more safer though.
When I traveled to the UK, it would nice not needing to purchase a separate transit pass and just use my phone which capped the amount charged at 8 pounds and treated it as a daily pass.
I don't know about this payment method being faster though. Because of this little thing: https://www.amazon.com/FIDELO-Minimalist-Wallet-Men-Vegetable/dp/B07FHYXRWZ/ I can typically get access to my commonly used cards very quickly. Samsung Pay is certainly more safer though.
I'm still a cash guy; It helps me keep a proper budget.
But it doesn't matter as I'm one of those unlucky blokes that uses a credit card that isn't supported by smartphone payment features.
But it doesn't matter as I'm one of those unlucky blokes that uses a credit card that isn't supported by smartphone payment features.
Samsung Pay is my iMessage (ie: the main thing that keeps me using Samsung phones, though in general I prefer them now!). It's especially useful since my fiancee and I both have several credit cards to maximize rewards, but only ever carry one backup card just in case since we have all of our cards in Samsung Pay.
I think because of the way its done it's not a simple just tap behind the scenes it does more then that. It makes you more of a target too because of it.
It takes me a second longer to take my card out of my wallet so I still use a card instead of apple pay