Samsung Pay

Introducing Samsung Pay — the easier, faster, more secure way to pay. It works almost anywhere* you can swipe or tap your card. So you enjoy all the convenience you need, on one Samsung Galaxy device.

Simple
Secure
Works Almost
Anywhere*

Enjoy Samsung Pay on these Galaxy devices:

Perks of the week

Simple to use

It takes just 3 simple steps to use Samsung Pay.

Swipe up

to launch Samsung Pay

Authenticate

with your fingerprint

Tap

your phone on the
terminal to pay

Works almost anywhere*

Samsung Pay works at almost any retailer in Singapore, making shopping or dining easier and more convenient than ever before.

Samsung Pay with MST

MST

Magnetic Secure Transmission

Accepts payment of any value.
(Subject to cardholder's credit limit with banks).

Samsung Pay with NFC

NFC

Near Field Communication

Accepts payments up to S$100.

Enjoy Samsung Pay at these merchants

Learn more

Pay with total peace of mind

PIN Authentication

You can also authenticate your identity with a 4-digit PIN code instead of using your fingerprint.

  • Swipe up
    Step 1

    Swipe up

  • Scan your fingerprint Pay with fingerprint
    Step 2

    Select preferred card

  • Enter your pin
    Step 3

    Enter your 4-digit PIN

  • Complete transaction
    Step 4

    Tap to complete transaction

How to setup Samsung Pay

Fingerprint Authentication
|
PIN Authentication

Payments can only be authorised through your fingerprint scan. So only you can allow transactions with Samsung Pay — providing the highest level of security.

You can also authenticate your identity with a 4-digit PIN code instead of using your fingerprint.

  • Swipe up
    Step 1

    Swipe up

  • Scan your fingerprint Pay with fingerprint
    Step 2

    Select preferred card

  • Enter your pin
    Step 3

    Enter your 4-digit PIN

  • Complete transaction
    Step 4

    Tap to complete transaction

Digital Tokenisation

With Samsung Pay, each transaction uses an encrypted digital token to replace your personal payment information for added security.

Samsung Pay tokenisation
Samsung Knox

The industry-leading Samsung KNOX security platform monitors malicious software and activities on the Galaxy devices installed with Samsung Pay.

Samsung Knox

Get Samsung Pay for your business

Frequently Asked Questions

Find your answers here.

  • Overview
  • How it works
  • Getting started
  • Payment security
  • The technology
What is Samsung Pay?
Samsung Pay is a secure and easy-to-use mobile payment service which can be used to make purchases with almost every retailer in Singapore. It enables the use of both credit and debit cards by leveraging on a new proprietary technology called Magnetic Secure Transmission (MST) and Near Field Communication (NFC) to make mobile payments more accessible to both merchants and consumers.
What are Samsung Pay's main features?
Samsung Pay enables users to make in-store contactless payments using a Galaxy S7 4G+, Galaxy S7 edge 4G+, Galaxy S6 edge+ 4G+ or Galaxy Note 5 4G+. Samsung Pay's main features are its proprietary MST technology and its NFC payments capability which makes it the most accepted mobile payment solution.
How does Samsung Pay work?
Samsung Pay uses proprietary Magnetic Secure Transmission (MST) and Near Field Communication (NFC) to make contactless mobile payments. MST and NFC enables the Galaxy S7 4G+, Galaxy S7 edge 4G+, Galaxy S6 edge+ 4G+ and Galaxy Note 5 4G+ to make secure transactions with almost every retailer in Singapore.
Which devices will support Samsung Pay?
Samsung Pay will initially launch on the Galaxy S7 4G+, Galaxy S7 edge 4G+, Galaxy S6 edge+ 4G+ and Galaxy Note 5 4G+. Other newer flagship models will follow.
Which payment cards can I register on Samsung Pay?
Samsung is continually expanding the list of payment cards you can register on Samsung Pay.
When will Samsung Pay be available, and where?
Samsung Pay has launched in the United States in September 2015 and South Korea in August 2015. Samsung is working to expand Samsung Pay to additional regions. In the pipeline are Spain, UK, Brazil, Australia, Singapore and China.
Can I use Samsung Pay in foreign countries?
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 your payment.
Why should I use Samsung Pay instead of my plastic cards?
Samsung Pay offers a simple and convenient payment experience that is quicker than searching through your wallet or purse. In addition, Samsung Pay adds a level of security to your payment information that physical cards don't have.
How do I make in-store purchases with Samsung Pay?
  1. Launch Samsung Pay by either swiping up from the home button or launching the Samsung Pay app from the home screen.
  2. Select the card you want to pay with by swiping left or right.
  3. Authenticate your fingerprint and tap your phone on either the MST 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.
Can Samsung Pay make online or in-app purchases?
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.
How can I cancel a payment made using 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.
How do I return a purchase if I used Samsung Pay to make the payment?
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 MST card reader or the NFC reader to complete the return.
Do I need to have an active internet data connection for Samsung Pay to work?
Samsung Pay requires an active internet data connection for card registration and activation. However, an active internet data 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 updated. Most cards will allow you to make up to 10 transactions before you will need to connect to the internet and refresh the Samsung Pay information.
How can I keep track of purchases I've made with Samsung Pay?

The last 10 transactions made with Samsung Pay are viewable in the Samsung Pay app for one month from the time of purchase.

In addition, a real-time* push notification with transaction detail will be sent after each Samsung Pay purchase.

* Real-time push notifications require an active internet data connection.

For some cards, Samsung Pay is not keeping track of purchases I have made using the app. Is there an issue with the app or my card?

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 launch 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.

The card image I see in Samsung Pay does not match my physical card. Is there an issue with my card?

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 (DBS, OCBC Bank, Standard Chartered Bank)
  2. The Card Network (Visa, MasterCard)
  3. The last four digits of the physical card.
What should I do if I lose my original payment card and then receive a replacement card?

The payment cards on Samsung Pay are 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 new replacement card.

For your convenience, many card issuers will link your new physical card number to your digital card number in Samsung Pay. This allows you to still have access to your purchasing accounts while you wait for the new physical card to arrive.

Can I continue to use my physical payment card if I disable Samsung Pay or remove the digital equivalent on Samsung Pay?
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.
How is my default payment card in Samsung Pay determined?
No default card can be pre-determined. The last card registered or used will appear when you open the Samsung Pay app.
What is the "Retry" button I see when I am trying to make a payment?

The "retry" button appears when the countdown timer has reached its end and the device has not detected a MST or NFC payment or has not received a notification of a successful payment.

The "retry" button allows you to restart the payment process without re-authorisation using your fingerprint or Samsung Pay PIN.

Note: When a MST or NFC transaction has been completed, the retry button will not be shown. In addition, if a payment success notification is received, the retry button will not be shown.

The cashier is asking me for the last four digits of my card number. I provided them with the number, but the transaction failed. What went wrong?

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 on the Samsung Pay screen, and in the main app when viewing your registered cards.

Can I use Samsung Pay at an ATM?
Samsung Pay will not work at ATMs.
What do I need to start using Samsung Pay?

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**

* Compatible devices: Galaxy S7 4G+, Galaxy S7 edge 4G+, Galaxy S6 edge+ 4G+ and Galaxy Note 5 4G+
** For verification purposes, you must be located in the same country as the participating bank when adding a payment card in Samsung Pay

How can I register my card?
Cards can be either automatically registered by scanning your physical card with Samsung Pay or manually inputting the card information. Then, depending on the policies set by your bank, Samsung Pay will prompt you to verify your identity through a text message, or a phone call.
How many cards can I register into Samsung Pay?
You can register up to 10 payment cards (credit or debit) in Samsung Pay.
Can I register the same card with more than one device using Samsung Pay?
Yes. The total number of devices you can register a card may vary. Contact your card issuer for more details on the number of devices you can register your card on.
How long will it take for my card to activate after registering it to Samsung Pay?
The average amount of time between the request for activation and approval will be within minutes, but can take up to 10 minutes after any additional verification requirements to be 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 issues.
When I attempt to register a card on Samsung Pay, a message tells me that it cannot accept my card and to contact my bank. What can I do?
We suggest you contact card issuer for further information. Not all card types are eligible to use with Samsung Pay. In addition, there may be other steps required prior to registering a card with Samsung Pay. Only your card issuer will have these details.
Can I use Wi-Fi® to register my card in Samsung Pay?
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.
Can I register a card when I am outside Singapore?
Yes. However, attempting to register and activate a card while you are outside Singapore may require you to contact your bank during the registration process. Data/call roaming charges may apply for any overseas SMS or calls.
Can I use the same payment card on more than one device using Samsung Pay?
There are no restrictions on adding the same payment card to multiple devices. The total number of devices you can add for the same card may vary with the card issuer. For additional information, contact your card issuer.
How can I create my own Samsung Pay account?
When you open Samsung Pay for the first time, you will be prompted to sign in to a Samsung account. If you do not have an account, you can create one at that point in time.
How secure is Samsung Pay?
Samsung Pay uses tokenisation, a Secure Environment, and Samsung KNOX to secure your payment information. In addition, you can verify either with your fingerprint or a 4-digit PIN when making purchases.
What is tokenisation?
Tokenisation 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 reduce the security risks inherent to plastic cards.
What is a Secure Environment, or Trusted Execution Environment?
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.
How is Samsung KNOX used with Samsung Pay?
Samsung KNOX runs scans to see if your device is secure. Samsung KNOX will permanently disable Samsung Pay on a compromised device in order to protect your payment information.
Does Samsung Pay store my personal/payment information on a server or my device?
No. Samsung does not store your personal/payment information on a Samsung server or your 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.
What should I do if my device is lost or stolen?
If your device is lost or stolen, you can use Samsung 'Find My Mobile' service to lock Samsung Pay (remotely disable) or to wipe out Samsung Pay (remove all the payment cards registered on your device).
If I were to switch phones, do I need to add the cards all over again?
Yes. You would need to register your cards again if you were to change your phone.
Does Samsung Pay have access to my bank accounts?
No. Samsung Pay does not have access to your bank accounts.
Will my Samsung Pay information still be on my device if it is formatted?
No. Formatting your device will remove all payment cards registered on your device.
How do I use "Find My Mobile" to manage Samsung Pay?
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 delete your payment cards on Samsung Pay.
What is MST?
Magnetic Secure Transmission (MST) is a groundbreaking method of sending data using magnetic waves. MST replicates a card swipe by wirelessly transmitting magnetic waves from the supported Samsung device to a standard card reader. MST turns every card reader into a contactless payment receiver.
What is NFC?
Near Field Communication (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.
What is the difference between MST and NFC technology?
For Samsung Pay, either MST or NFC technology can be used to make secure, contactless transactions. The key difference is that almost 90% of all merchants can accept MST transactions, which makes Samsung Pay the most accepted mobile payment service in the market.
Which is more secure, MST or NFC?
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 tokenisation.
How close does the device have to be to the card reader for MST or NFC to work?
The device must be placed within 5cm of the card reader in order for MST or NFC to work.
How accurate is the fingerprint scanner?
The fingerprint scanner is very accurate. It has a "False-Acceptance Rate" less than 0.00002%.
What happens if my fingerprint is not recognised?
You can enter the Samsung Pay PIN you created as a backup option. Samsung Pay will remove the data from the app and de-register all linked cards if the fingerprint is not recognised after 20 consecutive attempts, and if the Samsung Pay PIN has not been entered correctly.
If I send in my phone for repair, do I have to reset Samsung Pay?
All payment information in Samsung Pay will be deleted. You will need to set up Samsung Pay and add your payment card information again.
If I reset my device, what happens to my Samsung Pay service?
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 on Samsung Pay again after your device has been reset.
What should I do if I have an issue adding a payment card to Samsung Pay?
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 data connection when adding a payment card. Ensure that you are connected to the internet via a Wi-Fi® network or your cellular data connection.

Have more questions?

*Availability almost anywhere is based on compatibility of Samsung Pay on MST and/or NFC payment terminals, with some supported for use only after software upgrades. Samsung Pay is exclusive to selected Samsung Galaxy smartphones only, and available across all participating payment networks, banks, and merchants. Availability may vary at launch, please check for updates.

Wi-Fi® is registered trademark of Wi-Fi Alliance. All other company, product and service names mentioned herein are marks, trademarks, registered trademarks or service marks of the respective owners. Images are simulated and for illustration purposes only. ©2016 Samsung Electronics Co. Ltd.
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