About Samsung Pay

Tokenization is a method of replacing your sensitive payment card information (Card Number, Expiration Date, Security code, etc.) with a device-specific digital card, or "Token" which acts as a surrogate value. In mobile payments, Tokens are used to protect your payment information and to reduce the security risks inherent to plastic cards.

A Secure Environment is a physically segregated environment in the phone which carries out secure operations such as iris and fingerprint authentication and storing payment information. Normal applications has no access to the information in a Secure Environment.

Samsung KNOX runs scans to see if your device is secure. Samsung KNOX will permanently disable Samsung Pay on a compromised device in order to protect your payment information.

No. Samsung does not store your payment information on a Samsung server or the device.

Samsung Pay does not change the way your payment information is stored or handled when you make purchases. Your payment information will continue to be managed by your card network and card issuer.

Only a device-specific digital card, which is used to replace your sensitive payment information, is stored on the device.

No. Samsung Pay does not have access to your bank accounts.

No. Formatting your device will remove all bank cards registered to your device.

You would need to register your cards again if you were to change your phone as no data will be stored in the application.

If your Samsung device has not preloaded Samsung Pay, please follow below steps to download Samsung Pay:

1. Go to Phone Settings

2. Click "About Device"

3. Tap "Download updates manually"

Samsung Pay will be installed with the Software Update. You can then tap on the Samsung Pay application to install Samsung Pay.

Samsung Pay is customized for every region for best customer experience. If you purchase a Samsung Galaxy mobile device from regions, you will not able to use Samsung Pay.

For device purchase from Hong Kong and Macau, you will need to install a Hong Kong SIM card to use Samsung Pay as the service is not yet available in Macau.

1. Initiate Samsung Pay by either swiping-up on the screen or opening the Samsung Pay app.

2. Select the card you want to pay with by swiping left or right.

3. Authenticate using your iris, fingerprint or with the 4 digit Samsung Pay PIN. Place your phone to near the card reader or NFC reader to complete the transaction.

Samsung Pay can be used at almost anywhere. With our property Magnetic Secure Transmission (MST) technology, merchant that does not equipped with contactless card terminal can still accept Samsung Pay.

Samsung Pay offers a simple and convenient payment experience that is quicker than searching through your wallet or purse. Additionally, Samsung Pay adds a level of security to your payment information that physical cards don't have.

The last 10 transactions¹ made with Samsung Pay are viewable in the Samsung Pay app. Simply tap on a registered card in the app to see the Samsung Pay transactions made with that card². Additionally, a real-time³ push notifications with transaction details will be sent after each Samsung Pay purchase.

¹Some cards will display the last 20 transactions

²Transaction information is not provided for all cards

³Real-time push notifications require an active internet connection

No. Transaction history may not be available for selected card types or card issuers. Samsung Pay may not show your transaction history depending on the policies set by your card issuer.

In these cases, you can open your card issuer's app from the Samsung Pay if you have the app installed on your device; or visit your card issuer's website to view transaction information.

Cancelling a payment made with Samsung Pay is the same as a physical card. The exact process depends on the policies of your card issuer and the merchant you made the purchase from.

All purchases made with Samsung Pay can be returned according to the store's policies. If you return an item paid for with Samsung Pay, the store may require you to tap your phone onto either the card reader or the NFC reader to complete the return.

Samsung Pay requires an active internet connection for card registration and activation. However, an active internet connection is not required to make in-store purchases. Ideally, the device should connect to the internet once per day to ensure that Samsung Pay stays up to date. Most cards will allow you to make up to 10 transactions before you will need to connect to the internet and refresh the Samsung Pay information.

No. The card image displayed in Samsung Pay may not always exactly match the physical card.

The key points to look for are:

1. The Card Issuer (E.g. Bank A, Bank B, Bank C)

2. The Card Network (E.g.VISA or MasterCard or American Express)

3. The last four digits of the physical card

The cards in Samsung Pay are digital versions of your physical cards. If you lose your original card and receives a replacement, you may need to remove the respective card from Samsung Pay and register the replacement card again.

For your convenience, many card issuers will link your new physical card to your digital card in Samsung Pay. This allows you to continue using Samsung Pay while you wait for the new physical card to arrive.

The cards in Samsung Pay are digital versions of your physical cards. If you receive a renewal card to replace your expired card, you may need to remove the respective card from Samsung Pay and register the replacement card again.

For your convenience, many card issuers will link your new physical card to your digital card in Samsung Pay.

Yes. When you disable Samsung Pay or remove a registered card, you are only suspending the digital card that has been assigned to your device for that card. If you wish to suspend your physical card, please contact your card issuer for assistance.

There is no "default card" in Samsung Pay. When you open the app or activate the favourite cards by swiping up from the Home Key on supported screens, the first card displayed is either the last card you registered or the last card you viewed or used.

The "Retry" button appears when the countdown timer is coming to its end and the device has not detected an NFC payment or has not received a notification of a successful payment.

The "Retry" button allows you to extend the transaction time for once, without reauthorizing using your iris, fingerprint or PIN.

The retry button will not be shown when an NFC transaction is completed, or if a payment success notification is received.

In rare cases, the merchant may ask you for the last four digits of the card number.

You will need to provide the last four digits of the digital card number, instead of the last four digits of the physical card. For ease of use, it is located on the left side of the card in the favourite cards screen, and in the Samsung Pay app when viewing your registered cards.

Magnetic Secure Transmission™ or MST, is a groundbreaking method of sending data using magnetic waves. MST replicates a card swipe by wirelessly transmitting magnetic waves from the supported Samsung device to a standard card reader. MST turns every card reader into a contactless payment receiver.

Near Field Communication or NFC is a method of wirelessly transmitting data using radio waves. Samsung Pay uses NFC to wirelessly transmit payment data to payment terminals with NFC readers that have been activated for use.

For Samsung Pay, either MST or NFC technology can be used to make secure, contactless transactions. The key difference is that almost all merchants can accept MST, which makes Samsung Pay the most accepted mobile payment service on the market.

In the context of Samsung Pay, MST and NFC have the same level of security. The payment information transmitted by both MST and NFC is protected using tokenization.

The device must be placed within 5cm of the card reader in order for MST to work.

The fingerprint scanner is very accurate. It has a "False-Acceptance Rate" less than .00002%.

You can enter the Samsung Pay PIN you created as a backup option. Samsung Pay will not accept iris or fingerprint authentication after 5 attempts, and will remove the data from the app and deregister all linked cards if there has been 20 consecutive attempts to authenticate using incorrect Samsung Pay PIN.

We strongly recommend reset the Samsung Pay App and / or reset your mobile device through "Factory Data Reset" before visiting our service centre for repair.

All payment information in Samsung Pay will be deleted. You will need to set up Samsung Pay and add your bank card again.

When performing a factory data reset, all bank card in Samsung Pay will be deleted. You will need to set up and add your bank card into Samsung Pay again.

Please contact the card issuer and verify you are adding an eligible payment card. Some cards from participating card issuer may not be supported in Samsung Pay.

Samsung Pay also requires an active internet connection when adding each card. Verify that you are connected to the internet via a Wi-Fi network or your mobile data connection.

Samsung Pay works on Gear by Near Field Communication (NFC) technology and Magnetic Secure Transmission (MST) technologies, allowing users to make a payment at almost anywhere.

You can also use NFC payment capability to pay at supported contactless card reader with your Gear Sport.

Once you have enabled Samsung Pay on Gear, you can pay by launching the app, selecting desired card, and holding your Gear near the card terminal. Samsung Pay on Gear works even if you don't have your phone with you. Samsung Pay on Gear does not store or share your payment information and payments are authenticated by secure PIN.

Yes. There is only one PIN used on the Gear.

If the Gear is strapped on your wrist, you only have to enter the PIN once before all subsequent payments. If you take the Gear off your wrist, your have to enter the PIN each time before putting the Gear into payment mode.

Device should be placed approximately an inch to the NFC or card terminal in order for the payment to work.

If you have enter the incorrect PIN multiple for 10 times, Samsung Pay on Gear will reset. All registered cards and information on Gear will be deleted.

Any Samsung & Non-Samsung phones with Android OS version 4.4 or above which support Samsung Gear app.

You can register your cards through Samsung Gear App.

1. Launch Samsung Gear App on your phone.

2. Connect your phone to Gear via Bluetooth if it is not already connected.

3. Tap on "Open Samsung Pay" under Info tab.

4. Tap on "Add card" shown on the screen to register your card.

5. * You will need to register a new PIN lock if you have not set it before.

6. You can either scan your physical cards or enter your cards details manually

7. Select authenication method and enter the authenication code to complete registration.

No. Samsung Pay app in your mobile phone is different from the one for Gear.

You need to add your cards separately in Samsung Gear app in order to use Samsung Pay on your Gear.

1. Press and hold the Back button to launch Samsung Pay. You may need to enter your PIN if you have not do so yet.

2. Select the card you want to pay by by rotating the bezel or swipe left or right.

3. Tap on the "Pay" button.

4. Place your Gear near the card terminal to pay.

Remarks: Only Gear S3 supports payment with MST.

The transaction history is shown in the Samsung Gear App.

Yes, you can still use Samsung Pay on Gear without connecting it to your phone.

Most cards will allow you to make up to 10 transactions* before you will need to connect to the internet and refresh the Samsung Pay information.

* Please note that the number of transactions is subjected to the card issuer's policies.

Samsung Pay on Gear protects your card information with the advanced security by using tokenization. You must enter your PIN each time you put on the Gear.

• Samsung Pay on Gear protects your card information with the advanced security by using tokenization, KNOX and PIN protection to make secure payments. Cards data is synced to Gear from your mobile deivce via a secured Bluetooth channel.

• You will need to setup PIN when you activated Samsung Pay on your Gear. You must enter your PIN each time you put on the Gear, and you won't need to enter your PIN again until you take your Gear off.