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Is my credit/debit card number actually stored on my device?

No. The card information is encrypted and sent to the Samsung Pay server for processing with the payment card network's (i.e., Visa®, MasterCard®, or American Express®) tokenization server. After processing, a token is assigned to your device, and this token is used in place of the card number. When you process a payment, this token along with other transactional information is sent to the payment terminal. Your card number is not part of this data. The terminal processing the payment does not receive your card number as part of the transaction.

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