Frequently Asked Questions
The information on this webpage may be subject to change based on Australian launch detail.
1. Which carriers will Samsung Pay be available on?
Samsung Pay will be available on all carriers' devices.
2. When will Samsung Pay become available in Australia?
Register here to receive a notification when Samsung Pay becomes available on supported devices.
3. Will Samsung Pay work on smart watch?
Samsung is working on bringing this feature to compatible Samsung Gear devices in Australia.
4. Which banks and credit cards will be compatible with Samsung Pay?
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.
5. Updating your Samsung Galaxy device to be compatible with Samsung Pay
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.
6. How secure is 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.
7. Do I need to have an active internet connection for Samsung Pay to work?
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.
8. Can I use Samsung Pay to pay in a store, online, or within applications?
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.
9. Will my credit/debit card number actually be stored on the Samsung Pay server?
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.
10. How will Samsung Pay keep my information private?
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.
11. Will Samsung Pay be available to non-Samsung users?
Samsung Pay will be available exclusively to users with a compatible Samsung device.