How secure is Samsung Pay?

Samsung Wallet 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 Wallet is super secure.

How secure is Samsung Pay?

How Samsung Wallet protects your data

When you add a card

When you add your payment card to Samsung Wallet, the information is encrypted and sent to Samsung servers and, ultimately, to the card issuer's payment network (such as 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 Wallet fraudulently. Learn more about security and tokenization in Samsung Wallet in our FAQ guide.

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 have access to the payment information added to Samsung Wallet. The last four digits of the card number will be displayed on the card image in Samsung Wallet 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 Wallet 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 Wallet. It's called SmartThings Find, and it also helps you locate your device and erase all your stored personal information.

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Change your Samsung Pay PIN

Having a secure Samsung Wallet PIN is important because it lets you make payments from your phone or watch. But if you think someone has figured out your PIN, you can change it to keep your financial information safe. On the other hand, if you simply forgot your PIN for Samsung Wallet, you will need to reset your Samsung Wallet account.

Set up Samsung Pay on your phone or watch

Samsung Wallet transforms your Samsung phone or smart watch into a digital wallet, seamlessly storing your credit, debit, or gift cards. It combines convenience with security by employing biometric safeguards to protect your financial information.

Use Secure Wi-Fi on your Galaxy phone

Enable and use Secure Wi-Fi Secure Wi-Fi can be used when you’re out shopping at the mall, catching a flight at the airport, or staying at a hotel. To begin, you must be logged into your Samsung account and have a stable Wi-Fi connection. Navigate to and open Settings, and then tap Security and privacy. Tap More security settings, then tap Secure W

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