Samsung Pay is a simple and secure way to pay with your compatible Samsung Galaxy device, that is designed to be accepted at compatible point of sale terminals. Register here to receive a notification when Samsung Pay becomes available on supported devices*.
*A specific launch date in Australia has not been announced.
Simple, Secure, And Designed With Our Best Available Security
Samsung Pay can make transactions super easy*. Just swipe up to launch the app, secure with your fingerprint, and tap the card reader to pay. And it’s designed to be safe — Samsung Pay uses several layers of security to help your purchases remain yours alone.
* Only compatible with select cards and Samsung devices.
3 Simple Steps to Pay
Tap & Pay
Samsung Pay is a secure and easy-to-use mobile payment service which is designed to make purchases nearly everywhere.†
It enables the use of both cards from participating banks and card networks, including private label credit cards by Near Field Communication (NFC) to help make mobile payments more accessible to both merchants and consumers.
† Marshmallow software update is required to download Samsung Pay on all devices. Coming soon. A Samsung account and a registered payment card from a participating bank are required to make a payment. Register here to receive an update when the list of compatible networks and banks becomes available.
Samsung Pay enables users to make in-store contactless payments using a Galaxy S 6, Galaxy S 6 edge, Galaxy S 6 edge+, Galaxy Note 5, Galaxy S 7 & Galaxy S 7 Edge. Samsung Pay’s main features is its NFC payments capability.
Samsung Pay uses Near Field Communication (NFC) to make contactless mobile payments. NFC enables the Galaxy S 6, Galaxy S 6 edge, Galaxy S 6 edge+, Galaxy Note 5, Galaxy S 7 and Galaxy S 7 Edge to make secure transactions.
Samsung Pay will initially launch on the Galaxy S 6, Galaxy S 6 edge, Galaxy S 6 edge+, Galaxy Note 5, Galaxy S 7 and Galaxy S 7 Edge and New Flagship models (TBA)
Samsung intends that American Express proprietary consumer and corporate cards and Citi Bank consumer credit cards are available from launch. Samsung is intending to partner with a range of payment cards you can register to Samsung Pay. Register here to receive an update when the list of compatible networks and banks becomes available.
Samsung Pay has launched in the United States Sept 2015 and South Korea in Aug 2015. Samsung Pay is intended to be launched in Australia mid-2016. Samsung is working to expand Samsung Pay to additional regions i.e. Spain, UK, Brazil, and China
Due to Samsung's advance proprietary technology Magnetic Secure Transaction (MST), Samsung Pay can be used almost everywhere around the globe. It's the most widely accepted digital wallet. Please check your card issuer’s policies for transactions in foreign countries. If you can use your card in the country you are travelling to, you should be able to use Samsung Pay to make a payment.
Samsung Pay offers a simple and convenient payment experience that doesn’t require searching through your wallet or purse. Additionally, Samsung Pay adds a level of security to your payment information that physical cards don’t have. Your credit or debit card number will never be saved on your device. When you make a payment with Samsung Pay, only a token and a cryptogram that is only valid for that particular payment are transmitted to the card reader.
1. Initiate Samsung Pay by either swiping-up from the home button or opening the Samsung Pay app from the home screen.
2. Select the card you want to pay with by swiping left or right.
3. Verify your fingerprint and touch your phone to either the card reader or NFC reader to complete the transaction. Alternatively, enter your 4-digit Samsung Pay PIN if you have chosen not to use the fingerprint feature.
Not currently. Samsung Pay is focused on enabling simple and secure in-store payments. Online and in-app purchases will be considered for future releases of Samsung Pay.
Cancelling a payment made with Samsung Pay is the same as a physical card. The exact process will depend on the policies of your card issuer and the merchant you made the purchase from.
All purchases made with Samsung Pay can be returned according to the store’s policies. If you return an item paid for with Samsung Pay, the store may require you to tap your phone onto either the card reader or the NFC reader to complete the return.
Samsung Pay requires an active internet connection for card registration and activation. However, an active internet connection is not required to make in-store purchases. Ideally, the device should connect to the internet once per day to ensure that Samsung Pay stays up to date. Cards should allow you to make up to 10 transactions before you will need to connect to the internet and refresh the Samsung Pay token.
Up to 20 of your latest transactions* made with Samsung Pay can be viewed in the Samsung Pay app for one month from the time of purchase. Simply tap on a registered card in the app to see all the Samsung Pay transactions made with that card**.
Additionally, a real-time*** push notifications with transaction details can be sent after each Samsung Pay purchase.
* Some cards will only display the last 10 transactions
** Transaction information is not provided for all cards
*** Real-time push notifications require an active internet connection.
No. Displaying transaction history is not available for all card types or card issuers. Samsung Pay may not show your transaction history depending on the policies set by your card issuer.
In these cases, you can open your card issuer’s app from the Samsung Pay interface if you have the app installed on your device; or visit your card issuer’s website or login in to your online banking portal to view transaction information.
No. The card displayed in Samsung Pay may not always exactly match the physical card.
The key points to look for are:
1. The Card Issuer (Amex, Citibank)
2. The Card Network (Visa, MasterCard, or American Express)
3. The last four digits of the physical card.
The payment cards on Samsung Pay are designed to be digital versions of your physical payment cards. If you lose your original payment card and then receive a replacement card, you may need to remove the original payment card from Samsung Pay and register the replacement card.
Yes. When you disable Samsung Pay or remove a registered card, you are only suspending the token, or digital card number, that has been assigned to your device for that card. If you wish to suspend you physical card, please contact your card issuer for assistance.
There is not a "default" card in Samsung Pay. When you open the app or activate the Simple Pay feature by swiping up from the Home Key on supported screens, the first card displayed is either the last card you registered or the last card you viewed or used.
The “retry” button appears when the countdown timer has reached its end and the device has not detected an NFC payment or has not received a notification of a successful payment.
The “retry” button allows you to begin the payment process, one additional time, without reauthorizing using your fingerprint or PIN.
Note: When an NFC transaction is completed, the retry button will not be shown. Additionally, if a payment success notification is received, the retry button will not be shown.
In rare cases, the merchant may ask the you for the last four digits of the card number.
You will need to provide the last four digits of the digital card number, instead of the last four digits of the physical card. For ease of use, it is located on the left side of the card in the Simple Pay screen, and in the main app when viewing your registered cards.
Samsung Pay will not work at ATMs
To use Samsung Pay, you need:
A compatible Samsung device*
A supported payment card from a participating bank
A Samsung account
Registered fingerprint or Samsung Pay PIN
To be located in the country of the participating bank**
*If compatible, newer devices will have Samsung Pay preloaded
**For the verification purposes, you must be located in the same country of the participating bank when adding a payment card in Samsung Pay
Cards can be either automatically registered by scanning your card with Samsung Pay or manually inputting the card information.
Then, depending on the policies set by your bank or credit union that offers Samsung Pay functionality, Samsung Pay will prompt you to verify your identity through a bank app, a text message, an email, or a phone call.
You can register up to 10 payment cards in Samsung Pay.
Yes. The total number of devices you can register a card to may vary. Contact your card issuer for more details on the number of devices that you can register your card.
The average amount of time between the request for activation and approval may be within minutes, but can take up to 10 minutes after any additional verification requirements have been met. If this amount of time has been exceeded, remove the card from Samsung Pay and register it again. Contact your card issuer for assistance if you continue to encounter delays.
We suggest contacting the card issuer for further information. Not all card types are eligible to use with Samsung Pay.
Additionally, there may be other items required prior registering a card with the Samsung Pay service. Only your card issuer will have these details.
Yes. However, for the best experience, the device should have a SIM card installed. If you encounter any issues when registering the card over Wi-Fi, we suggest switching to a cellular data connection.
There are no Samsung restrictions on adding the same payment card to multiple devices. However, the total number of devices you can add the same card may vary by the card issuer. For additional information contact the card issuer.
When you open Samsung Pay for the first time, you will be asked to sign in to a Samsung account if one is not already on the device. If you do not have an account, you can create one at that time.
Samsung Pay uses Tokenization, a Secure Environment, and Samsung KNOX to secure your payment information. Additionally, you verify either your fingerprint or a 4-digit PIN when making purchases.
Tokenization is a method of replacing your sensitive payment card information (Card Number, Expiration Date, Security code, etc.) with a device-specific ‘Token’ which acts as a surrogate value. In mobile payments, Tokens are used to protect your payment information and to help reduce the security risks inherent to plastic cards.
A Secure Environment is a physically segregated chip in the phone which only allows access to highly sensitive operations/information such as fingerprint and payment information. Normal applications and malware have no access to the information in a Secure Environment.
Samsung KNOX runs scans to see if your device is secure. Samsung KNOX can permanently disable Samsung Pay on a compromised device in order to help protect your payment information.
No. Samsung does not store your personal/payment information on a Samsung server or the device.
Samsung Pay does not change the way your payment information is stored or handled when you make purchases. Your payment information will continue to be managed by your card network and card issuer.
Only a device-specific Token, which is used to replace your sensitive payment information, is stored on the device.
If your device is lost or stolen, you can use Samsung’s Find My Mobile service to Lock Samsung Pay (remotely disable) or to Wipe Samsung Pay (remove all the payment cards registered onto your device).
You would need to register your cards again if you were to change your phone as no data will be stored in the application.
No. Samsung Pay does not have access to your bank accounts.
No. Formatting your device will remove all payment cards registered to your device.
If your device is lost or stolen, your payment information will not be accessible without your fingerprint or Samsung Pay PIN. For added security, the Samsung Find My Mobile service can remotely lock or erase your payment cards in Samsung Pay.
Near Field Communication or NFC is a method of wirelessly transmitting data using radio waves. Samsung Pay uses NFC to wirelessly transmit payment data to payment terminals with NFC readers that have been activated for use.
Magnetic Secure Transmission™ or MST, is a ground-breaking method of sending data using magnetic waves. MST is designed to replicate a card swipe by wirelessly transmitting magnetic waves from the supported Samsung device to a standard card reader. MST has the capability to turn every standard card reader into a contactless payment receiver. However, it is yet to be confirmed whether or not Samsung Pay’s MST component will be adopted in Australia.
For Samsung Pay, either MST or NFC technology can be used to make secure, contactless transactions. The key difference is that approximately 85% of all merchants can accept MST. However, it is yet to be confirmed whether or not Samsung Pay’s MST component will be adopted in Australia.
In the context of Samsung Pay, MST and NFC have the same level of security. The payment information transmitted by both MST and NFC is protected using tokenization.
The device must be placed within 3cm of the card reader in order for MST to work.
The fingerprint scanner is very accurate.
You can enter the Samsung Pay PIN you created as a backup option. Samsung Pay will remove the data from the app and deregister all linked cards, if the fingerprint is not recognised after 20 consecutive attempts and the Samsung Pay PIN has not been entered.
All payment information in Samsung Pay will be deleted. You will need to set up Samsung Pay and add your payment card information again.
When performing a factory data reset, all payment information in Samsung Pay will be deleted. You will need to set up and add your payment card information into Samsung Pay again after your device has been reset.
Please contact the card issuer and verify you are adding an eligible payment card. Some cards from participating banks may not be supported in Samsung Pay.
Samsung Pay also requires an active internet connection when adding a payment card. Verify that you are connected to the internet via a Wi-Fi network or your mobile data connection.
Samsung Pay will be available on all carriers' devices.
Register here to receive a notification when Samsung Pay becomes available on supported devices.
Samsung is working on bringing this feature to compatible Samsung Gear devices in Australia.
Samsung Pay is aiming to partner with payment card networks in conjunction with a number of banks in Australia. We are working hard to expand our partnerships with popular financial partners to support Samsung Pay. Register here to receive an update when the list of compatible networks and banks becomes available.
To use Samsung Pay, you will need:
A compatible Samsung device*
A supported payment card from a participating bank
A Samsung account
A registered fingerprint or Samsung Pay PIN
To be located in the country of the participating bank when adding a card **
* At this stage it is intended that future devices will have Samsung Pay preloaded.
** For verification purposes, you must be located in the same country of the participating bank when adding a payment card in Samsung Pay.
Samsung has partnered with key financial institutions to help safeguard your personal, transactional, and payment information. Samsung Pay uses tokenization and authentication methods to help secure your information. In addition to the security measures implemented by Samsung Pay, Samsung’s KNOX service monitors suspicious activity within the device to help protect from any malicious attacks.
When You Add a Card
When you add your payment card to Samsung Pay, the information will be encrypted and sent to Samsung servers and, ultimately, to the card issuer's payment network for approval. A one-time password (OTP) may be requested by the card issuer to verify you are the cardholder or you may be requested to authenticate yourself via your banking application. Should your card be lost or stolen, this will help prevent the card from being added to Samsung Pay fraudulently.
Once your card is approved, the payment network will create a digital card number, or token. The token substitutes the payment card's number with a unique alphanumeric identifier, generated using proprietary algorithms. Tokenized data is not mathematically reversible and is useless unless you have the original key used to create the token, making this more secure than sending your actual card number. This process takes place every time you add a payment card. A new token will be generated even if you are attempting to add a card recently removed.
The last four digits of the card number will be displayed on the card image in Samsung Pay to help you manage your cards.
When You Make a Payment
When you make a payment, you will need to authenticate your identity by using your fingerprint or Samsung Pay PIN before the information can be sent to the payment terminal. The merchant will only receive a token, and your payment information will be kept secure. The token will be sent to the payment network, where it will be decrypted and verified against the information stored in a secure vault on internal networks. Once authenticated, the payment will be approved and sent back to the merchant.
If You Lose Your Device
If your device is ever lost or stolen, Samsung offers a service – Find My Mobile - to remotely lock or erase Samsung Pay. Removing / suspending your card (Token) from Find My Mobile would also disable the Token in Card Network and Issuer’s system so even if your mobile is offline, the token cannot be used to make a payment. Find My Mobile also has the ability to locate your device and erase all your stored personal information.
You can also contact your bank and report your card/smartphone has been lost or stolen.
Samsung Pay will require an active internet connection when adding or removing a payment card and to download transaction history. You can connect via a Wi-Fi® network or using your mobile data connection.
When you are using Samsung Pay to make a purchase, no internet connection will be needed. However, some networks will limit you to 10 transactions during a period without internet access, after which Samsung Pay will require an active internet connection.
Samsung Pay is focusing on enabling simple and secure in-store payments. At this stage there is no support for online or in-app purchasing.
No. The card number will be encrypted and passed to the payment card network’s tokenisation server. After processing, a token will be assigned to your device and used in place of the card number. This token information will be stored on the Samsung Pay server with a copy stored on your device. Your card number will not be kept on the Samsung Pay server.
Your credit or debit card number will never be saved on your device. When you make a payment with Samsung Pay, only a token and a cryptogram that is only valid for that particular payment are transmitted to the card reader. Samsung does not store any personal, transactional, or payment information on the device or its servers. Samsung Pay will only store the digital card number (token) provided by the card issuer's payment network, which can only be converted back to a card number when it reaches the payment network.
Credit or Debit Card Number
Your credit or debit card number will never be saved on your device. When you make a payment with Samsung Pay, only a token and a cryptogram that is only valid for that particular payment are transmitted to the card reader.
Tokens and Cryptograms
The cryptogram used to authenticate the payment in Samsung Pay changes every time you make a payment. A stolen token and cryptogram should not work.
Samsung Pay will be available exclusively to users with a compatible Samsung device.