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What differentiates Samsung Pay from Apple Pay® or Android Pay™?

Both Apple Pay and Android Pay rely on Near Field Communication (NFC) technology to make contactless payment. These services are limited to merchants with NFC-enabled payment terminals. Merchants are required to upgrade to a new payment terminal with NFC capabilities in order to accept Apple Pay or Android Pay. Samsung Pay, on the other hand, uses both NFC and Magnetic Secure Transmission (MST) technology, making it work with nearly all current payment terminals. Some payment terminals may require software updates.

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