Your Samsung Pay questions answered

  • TECH
  • Monday, 27 Feb 2017

Leave your payment cards at home and use Samsung Pay for your retail purchases. — Samsung

We asked Samsung representatives to answer our burning questions about the company's mobile payment platform

Now that Samsung Pay is officially here, you probably have some questions about it.

We’ve put together a comprehensive Q&A so you know all about the digital wallet which allows you to store your credit, debit and ­prepaid cards securely on your smartphone so you can use it to make payments at retail counters.

What banks and cards are supported?

The list of supported banks and cards are growing every day, but currently:

Maybank has the most extensive support for Visa – it supports credit, debit and prepaid cards. Mastercard support is in the pipeline.

CIMB support for Samsung Pay is for Mastercard credit cards only for now.

Citibank supports both Visa and Mastercard credit cards.

Standard Chartered too supports both Visa and Mastercard credit cards.

Meanwhile, other banks like Hong Leong Bank are working to integrate Samsung Pay support in the coming months.

What phones are supported?

Currently the Galaxy S7, S7 Edge, S6 Edge+, Note 5, Galaxy A5 (2016/2017) and Galaxy A7 (2016/2017).

According to Elle Kim, Samsung Electronics vice-president for the payment business group, the other phones in the Samsung stable support NFC (near-field communication) but they lack support for MST (magnetic secure transmission) technology which is required for older payment terminals.?

How do you register your cards?

Launch the Samsung Pay app, tap on Payment Cards, choose Add and then scan your card with the camera.

The camera will capture the information on the card and if the card is from one of the supported banks, a TAC code will be sent to your phone to verify and register the card with Samsung Pay.

How do I pay using Samsung pay?

Once your card is registered with Samsung Pay, all you have to do is swipe up from the bottom of your smartphone screen (it will work even if your phone is locked) to activate the feature and bring up a list of cards.

Swipe left or right to the one you want then use your fingerprint to authenticate. To pay, tap on the payment terminal or NFC reader at the retail outlet when prompted to do so.

Will it work with payment terminals?

According to Lee Jui Siang, Samsung Malaysia Electronics vice-president for the Mobile and IT Business Unit, Samsung Pay will work with more than 90% of payment terminals in the country whether or not they support NFC payment.

How does it work with non-NFC terminals?

Even if the terminal doesn’t support NFC payment, the MST (magnetic secure ­transmission) technology will be able to ­transmit a signal that can be read by older magnetic stripe card readers.

Will I need to switch between NFC and MST?

No, the experience is seamless – when using Samsung Pay, the system will first default to NFC before switching to MST ­automatically if needed.

Will Samsung Pay work in other countries?

Samsung Pay will work in any country that supports Samsung Pay and there are no ­additional charges on top of what your bank charges you for a normal transaction.

Theoretically, Samsung Pay will also work in countries that don’t support it. According to Kim, since MST technology works with any terminal that can read traditional magnetic stripe cards, your Samsung smartphone should be able to complete the transaction.

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