Frequently Asked Questions

Find your answers here.

  • Overview
  • How it works
  • Card Registration
  • Security
  • Loyalty
  • InApp
  • Smartwatches

Samsung Pay directly supports the following cards to add into the app:
- American Express
- Cornercard UK
- Curve
- Danske Bank
- Engage
- First Direct
- John Lewis Finance
- M&S Bank
- Nationwide Building Society
- PerfectCard
- Prepaid Financial Services
- Santander
- Starling Bank
- The Co-operative Bank
- TransferWise

Samsung Pay is a secure and simple way to make mobile payments with select Samsung Galaxy phones, and it works almost anywhere you can use a contactless card.* You can also pay with Samsung Pay within participating websites and apps, where you see Samsung Pay Checkout button.

*Samsung Pay is available with participating payment networks, banks and merchants and is only compatible with selected cards and Samsung devices. A limit of £30 may apply, based on merchant policies

Samsung Pay is currently available with Galaxy Fold, Z Flip and Xcover-Pro, S20, S20+ and S20 Ultra, S10, S10+ and S10 Lite, S10e, Note10, Note10+ and Note10 Lite, S9, S9+, Note9, S8, S8+ and Note8, S7 and S7 edge, S6, S6 edge and S6 edge+*, A90 5G, A80, A71, A70, A51, A50, A40, A20e, A9, A8, A7, A6, A3 2017, A5 2017, A5 2016, J6+, J5 2017, J4+, Samsung Galaxy Watch Active2, Samsung Galaxy Watch Active, Galaxy Watch, Galaxy Watch 4G, Gear S3 classic, Gear S3 Frontier & Gear Sport.

*Available on Samsung Galaxy S6, S6 edge and S6 edge+ devices which have the Android Nougat 7.0 software update.

Samsung Pay allows you to make payments from your Samsung devices in-store (at virtually any terminal where contactless cards are accepted) within participating websites and in-app within supported apps.
In addition to payment, you can also enjoy the following:
- You can upload your loyalty cards at selected merchants in the UK, accumulate and redeem points*
- You can set up a card as a ‘transport card’ to use on TfL services. This option means you don’t even need to wake your phone or verify with a fingerprint, iris scanner or PIN – simply touch the middle section of your phone against the card reader**
*subject to store policies
**Compatible with London buses, the Tube, London Trams, DLR, London Overground, TfL Rail, Emirates Air Line, River Bus and most National Rail services in London.

Samsung Pay works virtually anywhere you can tap your contactless card.
In addition, you can also make payments in apps and on websites where you see Samsung Pay Checkout button.

You can download Samsung Pay from the Samsung Galaxy Apps store.

The cards on Samsung Pay are digital copies of your physical cards. If you lose your physical card and then receive a replacement card from your bank or financial institution, you should delete the original card from Samsung Pay and replace it with the information from your new physical card.

Yes, disabling Samsung Pay or deleting a card from it only disables the card from your Samsung Pay. If you wish to disable your physical card, please contact your card issuer for assistance.

Yes. Lots of shops, restaurants & bars accept mobile payments over £45.*

*payment limit subject to retailer.

Please talk to your card network and bank or financial institution.

If you have questions or require assistance getting the most from Samsung Pay on your Galaxy smartphone, please visit or call from the UK: 0330 7267729
Please contact your card issuer for assistance regarding the use of your card with Samsung Pay.

At Transport for London, you may select a designated transport card for faster payments:
1. Select a default transport card
2. Tap on the TfL reader with the screen off (device must be turned on) or Tap on the TfL reader with the screen on while Samsung Pay is not in the foreground

1. Open the Samsung Pay app and go to ‘Transport card’
2. Turn on 'Use transport card'
3. Select a payment card to set as your default transport card to use at TfL or after registering a new payment card, select 'Make default transport card' to set the card as your default card to use at TfL

You can use Samsung Pay to pay as you go on bus, Tube, tram, DLR, London Overground, TfL Rail, Emirates Air Line, River Bus and most National Rail services in London.

Samsung Pay uses Near Field Communication (NFC) to make contactless mobile payments.

- Start by either swiping-up from the home button or opening the Samsung Pay app from your home screen.
- Next, select the card you want to pay with.
- You can authenticate by IRIS (available on selected phones), fingerprint or pin.
- Hover your phone about 2-4 cm over the card reader where you’d usually tap your physical card to complete the transaction.

- Select Samsung Pay Checkout when you get to payment options.
- Next, select Pay with Samsung Pay.
- Sign in with your Samsung Account ID in the required fields.
- You will receive a notification asking you to authenticate the payment on your phone. You can use IRIS (available on selected phones), Fingerprint or PIN to complete your payment. Note: Your website login must match your Samsung Account ID for Samsung Pay Checkout to work.

When paying with Samsung Pay you will receive a receipt for your purchases just as you would with a physical card. You will receive a notification confirmation about your transaction, but you will not receive a separate physical or digital receipt from Samsung Pay.

All purchases made through Samsung Pay can be returned according to the store’s policies. If you return an item paid for through Samsung Pay, the store may require you to hover your phone over the NFC reader to complete the return.

An active internet connection is not required to make in-store purchases, but your phone should connect to the internet at least once per day to ensure that Samsung Pay stays up to date and remains active. You can perform several authentications/transactions during a period without internet access, after which your phone will need an internet connection before additional authentications will process. Samsung Pay does require an active internet connection to activate the app or add a new card.

Simply open the app and tap on a card to see all the Samsung Pay transactions made with that card. Additionally, a push notification with transaction details will be sent to your phone after each Samsung Pay purchase. Note: Push notifications require an active internet connection.

No, the card displayed in Samsung Pay will not always exactly match your physical card. The key points to look for are:
1. The Card Issuer
2. The Card Network

The last card you viewed in Samsung Pay will automatically appear as your default card the next time you open the app. However, you can go to settings to select a default card. Finally, you can always swipe between all the cards you have added and select a different card before making a purchase.

Cards can be easily added to Samsung Pay by using your phone’s camera to scan in your card’s information, or by manually inputting the card information yourself. Then, depending on your bank or financial institution policies, Samsung Pay will prompt you to verify your identity through a bank app, a text message, an email, or a phone call.

Samsung Pay allows you to make 5 attempts to unlock the application by authenticating with their IRIS (available on selected phones), fingerprint or PIN. After 5 attempts, the device then requests a security password (also 5 attempts). Thereafter, using an incorrect security password locks the phone for 30 seconds. The process is repeated 20 times (each block is longer) and then all data is deleted.

It depends on each issuing bank, but as a general rule 15 min.

Refunds are done in the same way as purchases, and the user should follow the store’s refund policy.

You can add up to 10 payment cards using Samsung Pay. Both credit cards and debit cards can be added. You can add up to 300 loyalty cards.

Yes, however, the total number of phones you can add a card to may vary. Please contact your card issuer for more details on the number of phones that you can add your card to.

Yes, as long as you have an active connection to the internet. However, attempting to add and activate a card while you are outside the United Kingdom may require you to contact your bank.

Samsung Pay uses Tokenization and Samsung KNOX to secure your payment information. Additionally, your fingerprint or a 4-digit PIN is required to authorize in-store purchases. On the new Galaxy S9, S9+, Note9, S8, S8+ or Note8 you can also use iris scanning* technology to keep your transactions secure.

Samsung Pay uses network tokenization technology that replaces your real card details with a dynamic digital token that is transmitted instead of your physical card’s number. So your transactions remain secure, and your shopping stays safe.

Samsung KNOX scans to see if your phone is secure, and disables Samsung Pay if your phone is compromised in order to protect your payment information. Samsung Knox also includes a security design whereby highly sensitive operations and information, such as fingerprint and payment information, are kept on a separate computer chip known as a “secure environment.” Normal applications or malware have no access to the information inside it.

No, Samsung Pay does not store your personal /payment information on a Samsung server or on your phone. 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 bank or financial institution. Only a device-specific token, which is used to replace your sensitive payment information, is stored temporarily on your phone.

If your phone is lost or stolen, you can use Samsung’s Find My Mobile service to find it. The cards and payment information on Samsung Pay will remain safe and secure, but you also have the option of disabling cards remotely.

No, Samsung Pay does not have access to your bank accounts.

No. A hard reset of your phone or “restoring factory default settings” will delete all cards added to your phone.

The redemption of points or credits is done by the merchant systems after you have scanned your loyalty card on Samsung Pay. The process is the same as if you have swiped your membership card. Loyalty cards are subject to merchant terms and conditions.

Yes, however, the total number of phones you can add a card to may vary. Please contact your card issuer for more details on the number of phones that you can add your card to.

Simply select the Samsung Pay Checkout button within supported apps, then authenticate by fingerprint, iris scanner (available on selected phones), or pin.
Once you click on the Samsung Pay Checkout button, your default payment card will be displayed on the initial purchase. You can choose a different card to pay with by clicking on the card art displayed on the window.

Samsung pay is available on the Samsung Galaxy Watch Active, Galaxy Watch 4G, Galaxy Watch, Gear S3 & Gear Sport.

Samsung Pay on the Galaxy Watch Active, Galaxy Watch 4G, Galaxy Watch, Gear S3 & Gear Sport supports NFC (Near Field Communication) payment technology, meaning it works virtually anywhere you can tap your contactless credit or debit card.

From any Samsung Galaxy Watch Active, Galaxy Watch 4G, Galaxy Watch, Gear S3 or Gear Sport screen, press and hold the Back key, the last used card is shown and the smartwatch is ready to make a payment, Tap the “Pay” button on screen to Pay

Samsung Pay is compatible for setup with any Android smartphones running 4.4 Kitkat or above.

Yes, your smartphone does not need to be nearby to use Samsung Pay on the Samsung Galaxy Watch, Gear S3 or Gear Sport. However you will need your smartphone the first time you set-up Samsung Pay on your smart watch.

Samsung devices must be running Android 4.4 or higher
Samsung device must have the most up-to-date version of the Samsung Gear App installed
Non-Samsung Android handsets are also supported (download app from Google Play)
Open Apps > Samsung Gear, Touch Samsung Pay , you may be asked to tap Install Samsung Pay to your smart watch.
Samsung Pay requires that the smart watch has a security Screen Lock PIN active to use the service; If you do not currently have one, you will be asked to set one up.
The remaining registration steps are the same steps used when registering a card in the Samsung Pay app on Phone

Samsung Pay on Gear works comfortably at any angle for users, however for the most seamless payment experience; we encourage users to tap the top edge of the watch interface to the NFCreader on the point of sale terminal.

The Samsung Gear Manager is one of the most important parts of the smart watch, bringing with it the User Interface to assist Samsung Pay card management and notification settings. Samsung Pay on the Samsung Galaxy Watch Active, Galaxy Watch 4G, Galaxy Watch, Gear S3 and Gear Sport is controlled by Samsung Gear manager.

Notifications are shown on the phone notification panel (top of the screen) just after payment is made, Also User can review last 10 transaction on Samsung Pay Gear via Samsung Gear Manager. Notifications can be turned off by the User.

Open the Samsung Gear Samsung Pay companion app on your phone. Cards can be either registered by optical card recognition (OCR) or manually inputting the card information.
Just like the regular Samsung Pay product for the phone, the user will be prompted for identity verification through a text message, email, or phone call.

You can register up to 10 payment cards (credit cards and debit cards).

Samsung Pay on your Gear protects your card information with the same advanced security as Samsung Pay on your Samsung Galaxy phone, using tokenization, KNOX and PIN protection to make secure payments. Once Samsung Pay is activated on your Gear, your smartwatch will enable the PIN protection. You must enter your PIN each time you put on the Gear, and you won’t need to enter your PIN again until you take your Gear off, making shopping with Samsung Pay on the Gear simple and secure.

User authenticates only once with PIN after wearing the Gear on the wrist. User will be asked to re-authenticate only when he removes the Gear from his wrist.