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How secure is Samsung Pay?

Samsung Knox displayed on Galaxy phone screen

Samsung Pay goes out of its way to safeguard your privacy. It uses several special security methods, like tokenization, to secure your personal and financial information. On top of this, Samsung Knox constantly monitors and protects your phone from malware and other threats. In a nutshell, Samsung Pay is super secure.

How Samsung Pay protects your data

When you add a card

When you add your payment card to Samsung Pay, the information is encrypted and sent to Samsung servers and, ultimately, to the card issuer's payment network (i.e., Visa®, MasterCard®, or American Express®) for approval. A one-time password (OTP) may be requested by the card issuer to verify you are the cardholder. If your card is ever lost or stolen, this will prevent the card from being added to Samsung Pay fraudulently. Learn more about security and tokenization in Samsung Pay.

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 that was recently removed.

Samsung does not store or even have access to the payment information added to Samsung Pay. 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. Only the payment network and your bank will have information about the transaction.

  

If you lose your device 

If your device is ever lost or stolen, Samsung offers a free service to remotely lock or erase Samsung Pay. It's called Find My Mobile, and it also helps you locate your device and erase all your stored personal information.

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