Is samsung pay safe. Samsung Pay service in Russia, comparison with Apple Pay and others

Samsung Pay for Android is a free and convenient wallet application created by the company of the same name for making payments using a mobile phone or other supported gadget with one touch.

Download Samsung Pay for Android can be an APK file for Samsung phones and is recommended for users who want to pay quickly and with one touch from a smartphone or tablet.

It is used here in the same way as ordinary plastic payment cards, with almost any trading terminals of the corresponding payment system - magnetic, chip contact or short-range contactless communication.

Samsung Pay allows you to use your gadget as a safer, faster and easier process of paying for goods and services. All confidential data sent through the device is replaced with unique tokens. In addition, making payments using the application does not require an Internet connection, the device interacts with the terminal using NFC and MST contactless technologies.

Service advantages:

data encryption with spontaneously generated digital tokens;
ease of launch and operation in one motion and click;
confirmation of each payment with biometric authentication or password protection;
the possibility of universal use.

The service is launched by simply swiping your finger from bottom to top on the gadget screen or by clicking on the Samsung Pay icon. The application can support various bank cards up to 10 in total.

Changing one to another is carried out by moving across the screen from left to right or vice versa during the transaction.

Adding a card to the service:

Make sure that the selected banking system supports Samsung Pay.
Install the application and register using the current Samsung account (e-mail).
We choose the most suitable identification method: fingerprint scan or PIN-code.
Add a bank card by taking a photo with a camera or manually entering data.
We put the "birds" and agree to the terms of the provision of services by the Samsung Pei and Bank service.
We pass authorization in the bank via SMS, the service is ready to use.

To make a payment, you just need to bring the device with the running service to the terminal. It should be borne in mind that Samsung Pay does not support terminals that require the physical location of the card inside. For example, a card reader at an ATM, where you need to insert a card inside the device to complete a transaction. Also, today there is no opportunity to pay for purchases on the Internet.

No commissions are charged for using the application.

The rates applicable to payments made with regular bank cards apply. If it is necessary to return the funds debited using the service, it happens in the same way as with ordinary purchases - in accordance with the laws and rules of the store.

Download Samsung Pai for Android is possible for free in the APK file from the link below and is necessary for those users who want to make any purchases through their smartphone or tablet.

The world famous company SAMSUNG has launched its own payment service. SAMSUNG PAY platform based on contactless payments. With the help of this application, you can pay for purchases in any places where bank cards are accepted - even though ordinary cash registers near the house, even terminals with support for contactless payments.

What technologies does Samsung Pay support?

NFC technology	MST technology
NFC (Near Field Communication) - near field communication. Allows data exchange between devices at a distance of about 10 cm.	MST (Magnetic Secure Transmission) is a magnetically secure transmission. It is based on the creation of a special inductive magnetic field, due to which an imitation of the process of "rolling" a card through a cash register reader is created.

Who can benefit from this technology?

The technology is supported on the following smartphone models:

Samsung Galaxy S7 edge
Samsung Galaxy S7
Samsung Galaxy A5 (2016)
Samsung Galaxy A7 (2016)
Samsung Galaxy Note5
Samsung Galaxy S6 edge +
Samsung S6 edge
Samsung S6 (NFC only)

Note that many phone models, including the above-mentioned Samsung models, are equipped with a fingerprint scanner, but some do not. Of course, the presence or absence of a scanner will vary in price.

To use Samsung Pay technology, it is not necessary to have a built-in fingerprint scanner (to activate the application) - you can specify at the application installation stage how to activate the application via a PIN code.

The application works with the cards of the following banks:

Sberbank
Alfa Bank
Payment system Yandex-Money
Bank "Saint-Petersburg
B&N Bank
VTB24 / Bank of Moscow
MTS bank
Bank opening
Raiffeisenbank
Russian Standard Bank
Rocketbank
Point
Tinkoff Bank

This list will be expanded. These are mainly cards of the Mastercard payment system, but some banks have connected Visa cards to the service.

SWEEP - PRESS - TOUCH

This is how this technology can be briefly described.

Swipe to open the app;
Click on the fingerprint scanner to confirm that you are you;
Touch the phone to the payment terminal.

How to install and set up the Samsung Pay app

Create a Samsung Pay account
Download and install the Samsung Pay app
Run the application Sign in with your Samsung account
Set the authentication method for the application Fingerprint or password
Add a card To do this, click on the "+" button.
Enter card details This can be done both by photography and by manual data entry.
Accept all user agreements and confirm your actions via SMS from the bank serving the card.
Form a signature The same as on the map. It can be requested by the cashier to verify the signature. The signature can be drawn with either your finger or stylus.
Map is tied You can link more cards if you want. It is allowed to link any 10 cards to the application - debit, credit, virtual, prepaid. The main thing is that these are your cards.

How to Pay with Samsung Pay: In-Store Situations

Immediately advice: if you are standing in line at the checkout, turn on and log in to the application in advance. You need to bring the phone already unlocked. Don't waste your time on this.

New terminals supporting contactless payment

These terminals support contactless payments using Mastercard Pay Pass (or Visa Pay Wave) technology. These terminals usually have a corporate logo for this technology.

In this case, just gently put the phone to the terminal until the sound notification appears and the receipt is issued.

If there are no identification marks on the terminal, then how to proceed? Also hold your phone close to the device. If nothing happened, then most likely the terminal does not support this technology and payment will be made using MST technology. About her below.

Old terminals operated by swiping a card

This means that the terminal works by swiping the card. To pay in this case, you need to put the phone to the right side - where the magnetic tape reader is located. You do not need to do any additional actions to move the map. 2 seconds and the payment has passed.

What other situations can there be

Often, it is required to enter either the last 4 digits, or a PIN, and sometimes a verification of the signature.

If you are asked to enter the last 4 digits, these last 4 digits will be visible on the card image in the application. Please note that these are not the numbers of the PHYSICAL card, but the card in the application. We wrote above about tokenization. This is it.
If you need to enter a PIN. If it is a virtual card (for example, Yandex Money), then the code was sent via SMS during its registration, in other cases, the PIN code of the physical card is needed.
If the terminal is at the cashier and you cannot reach it. You simply hand the unlocked and ready-to-use phone to the cashier and he puts the phone to the terminal
There are often terminals where there is no computer at all. In this case, the amount is clogged manually, and then only the card is required. Just follow the directions from the cashier.
Rarely, but it happens that the cashier asks to verify your signature on the check with the card's signature. Press the Signature button and show the signature you made.

Question: what does all these requirements for entering a PIN code, 4 last digits, etc., depend on? Can't you tie everything to a single standard?

Answer: it depends on the internal regulations of the store, on the issuing bank of your physical card, as well as on the characteristics of the POS terminal.

Today, cash is gradually disappearing from use and most of the purchases are made using plastic cards. Everyone has a card, they are charged with a salary, a scholarship, a pension, and so on. Each outlet must have at least one terminal for payment with a plastic card. Bank cards have become an integral part of our life and the destruction of cash is only a matter of time.

The next step in the development of technology is contactless payment. Many cards already support this technology and allow making purchases only by placing the card to the terminal. This technology has served as a catalyst for the emergence of specialized chips and payment systems in devices that we literally never let out of our hands - in our smartphones.

In 2016, the Samsung Pay service was launched in Russia, which allows owners of Samsung Galaxy phones to make payments from bank cards without using bank cards themselves. The article will discuss how Samsung Pay works, how secure it is, and what difficulties users will face. Let's compare the technology with the solutions of competitors.

System requirements

First, you need to find out which devices Samsung Pay works on. This technology requires not only software innovations, but also hardware innovations, so you need to make sure whether your smartphone supports this technology or not.

So, the Samsung Pay payment system works with the following gadgets:

Samsung Galaxy S8;
Samsung Galaxy S6 (limited)
Samsung Galaxy Note 5
Samsung Galaxy A7
(2017);
Samsung Gear S3.

These are devices from Samsung that are equipped with NFC or MST chips and support modern software.

Unlike Apple or Google products, Samsung Pay looks very limited because the number of supported devices is significantly lower. In the case of Apple, we receive support for all smartphones released since 2014 (since 2013, if you connect, and in the case of Google, any gadgets are supported on which you can install the official Android version 4.4, and there are hundreds of thousands of them in the world.

As in the case with other payment systems, the launch of the payment system was accompanied by a number of restrictions. For example, Sberbank entered into an agreement with Apple for an exclusive launch, and for this reason Samsung lost the opportunity to connect this bank before the contract expires. Now the situation has stabilized and almost all popular banks work with all payment systems.

So, the banks working with Samsung Pay are as follows:

Sberbank.
BinBank.
GAZPROMBANK.
Otkritie (Rocketbank).
"Russian standard".
Tinkoff.
and the Yandex.Money electronic wallet.

It is important to understand which cards Samsung Pay works with. To connect to the payment system, you need a card that supports PayPass or PayWave technology. In the case of Visa cards, there are restrictions on the number of banks that work with Samsung Pay. The restrictions can be found on the official website of the company.

How to connect?

To start using Samsung Pay, you need to make sure that your gadget supports the payment system and download the application of the same name. When you enter the app, it will ask you to set a password (or fingerprint) for your screen lock. In the future, the pin code or fingerprint will be used to confirm transactions. Then you need to attach the card itself. This can be done in two ways: manually, by entering all the data, or automatically, by pointing the camera at it. The second option works well, but you still have to enter the CVV code yourself. If the card fits the application, then immediately after this procedure, a check from the bank will follow. You will receive an SMS with a code to activate the payment system; without it, you will not be able to make further payments. The final step is to add an electronic signature. It is very rarely needed, but when you need it, the cards may not be there, and then the digital signature will help you out.

Is Samsung Pay safe to use?

The security issue is of primary concern to users. New technologies are always fearsome, especially when it comes to money. Even bank cards themselves were difficult to accept. With regard to security, the situation is as follows. In a nutshell, Samsung Pay is the safest payment method, much safer than conventional cards. More specifically, smartphones use a special tokenization system. When a user tries to make a payment, the phone does not use the data from the card, but creates a digital impression of it, each time unique, and shares it with the terminal. The terminal contacts the bank and informs about the successful payment (unless, of course, you have run out of money). Data about tokens is stored in the gadget itself, so you can pay for something even without the Internet.

Do not forget that each purchase must be confirmed, and for this the user must enter a pin code or put his finger on the fingerprint sensor. Even if an intruder with a portable terminal sneaks up on you, he will not be able to steal a penny from you, since he will not be able to confirm the payment.

But what about viruses and hacking of the operating system, Android is far from being protected by iOS? In fact, things are not so bad. Samsung has implemented its own protection mechanism into the system, which continuously scans the system for malware and vulnerabilities, and if a virus does penetrate it, the Samsung Pay service will be blocked and payment data will be erased.

How does Samsung Pay work?

Let's proceed to payment. Samsung Pay works in the same way as a regular bank card. Moreover, like any card, not just the one that supports NFC. The fact is that not all terminals in Russia support NFC. Many people still only work with magnetic tape, so some phones cannot be used to pay off. This applies to iPhones and all Android devices except Samsung. When paying on older models of terminals, the proprietary MST technology is used. The phone creates a magnetic field similar to that created with a magnetic bank card. The terminal responds to it and accepts payment. So the answer to the question "Where does Samsung Pay work?" sounds like: "everywhere".

Possible problems

Already at the start, when the technology began to be introduced to the masses, users faced a number of problems.

Take another look at which phones Samsung Pay works on. Users often ignore this simple task and run to complain on the forums that the technology is not working as advertised.
Make sure your phone has the latest version of the operating system. You need to go to the settings and check the firmware version so that the phone will download the latest updates.
Even if you have installed the latest version of the operating system, the software may not be adapted to work in your country. For example, Samsung Pay did not work with S7 until the necessary work was done on the manufacturer's side to launch the service. It might be worthwhile to wait a bit. Do not forget that you must have the original firmware installed, without root rights. If you have jailbroken the system or bought the phone hand-held, contact the official service center, where the original firmware will be restored to you.
Do not forget that for any Samsung service to work, you need a personal account, which the phone offers to create at the time of launch. If you haven't already, go to Settings and find the Accounts submenu there.
In the case of smartphones from the Galaxy S6 line, payment via MST does not work, so before paying, make sure that the terminal supports contactless payment (usually these have a corresponding wave icon).

Promotions and discounts

To attract users to the new technology, Samsung has agreed with a number of Russian brands to organize promotions. One of these was the “Pay with your smartphone. Movie tickets". Under the terms of the promotion, anyone who bought a ticket in the Kinohod service through Samsung Pay received a 100% discount on the next purchase. Now there is a 50% discount on paying for a trip to the metro on the MCC line. In the US, Samsung launched an even bigger and more long-term action. There, each purchase made using the company's payment service allows you to accumulate points, which can then be spent on other items in the Samsung Rewards store. When this service will reach Russia is unknown.

First impressions and reviews

Many owners of Samsung gadgets really liked the idea of combining a wallet and a smartphone. It's so easy! A smartphone is much more convenient and useful than cash or a card, and most importantly, it is always with us. Early reviews of how Samsung Pay works are encouraging. It is already a year that people have been using the payment system and generally react positively to a new (already familiar to someone) experience. The system works in all large shopping centers, with the help of the phone you can easily pay for fast food and subway rides. Many have already forgotten about where their bank card is located, because it is no longer needed. Sellers and cashiers do not always respond adequately to technology. The briefing was carried out in all major chains, but somewhere in the covered market you may encounter perplexed looks or even fear, so be vigilant.

Instead of a conclusion

Samsung Pay has many advantages over regular bank cards. This is undoubtedly a very successful technology that will become more in demand over time. A wallet in a smartphone is exactly what a modern person needs to make it even easier to part with their hard-earned money. It is convenient, safe and very fast, and once you try it, you will want to try again and again, because now you know how Samsung Pay works and can do it. Nevertheless, do not forget to carry a card with you for the first time and some cash in reserve, because situations are different.

Works with terminals without an NFC chip.
Various payment protection options.
Discounts and promotions.

Doesn't work on jailbroken devices.
A limited number of smartphones working with the payment system.

Contactless payment technologies based on NFC radio signal or magnetic field have been working for several years. Another method of payment for goods is offered by Samsung Electronics in cooperation with Sberbank. The article covers the most frequent questions and answers about the Samsung Pay service at Sberbank.

How does Samsung Pay work?

Which Sberbank cards can be connected to Samsung Pay?

Samsung Pay supports the following Sberbank debit and credit cards:

Debit:

World MasterCard Elite Sberbank 1,

MasterCard World Black Edition Premier,

World MasterCard "Gold",

MasterСard Platinum,

MasterCard Gold,

MasterCard Standard,

MasterCard Standard Contactless,

MasterCard Standard with individual design,

Youth card MasterCard Standard,

Youth card MasterCard Standard with individual design.

Credit:

MasterCard Gold,

MasterCard Standard,

Youth card MasterCard Standard.

Video: How Samsung Pay works and why it's convenient:

How do I connect to Samsung Pay?

Each owner compatible Galaxy smartphone can simply open the Samsung Pay app and enter the Samsung account information to access all the functions of the Samsung Pay service in Russia.

Where can Samsung be used?

You can pay for purchases through any payment terminals.

Do i need an internet connection to pay with Samsung Pay?

No, you don't need to connect to the Internet to pay for purchases in stores with Samsung Pay. Your device communicates with the terminal using NFC and MST contactless technologies.

Which Samsung Galaxy phones work with Samsung Pay?

Samsung Pay is available in Russia to users of the following models of Samsung Galaxy smartphones:

Samsung Galaxy S7 (SM-G930F)

Samsung Galaxy S7 edge (SM-G935F)

Samsung Galaxy S6 edge + (SM-G928F)

Samsung Galaxy Note5 (SM-N920C)

Samsung Galaxy A7 2016 (SM-A710F)

Samsung Galaxy A5 2016 (SM-A510F)

Samsung Galaxy S6 edge (G920F) - NFC only, see note below.

Samsung Galaxy S6 (G925F) - NFC only, see note below.

Samsung Galaxy A7 2017 (SM-A720F)

Samsung Galaxy A5 2017 (SM-A520F)

Samsung Galaxy A3 2017 (SM-A320F)

Since the Samsung Galaxy S6 smartphone model is not equipped with Samsung MST technology, payment for goods and services using the Galaxy S6 and S6 edge through the Samsung Pay service is available only at contactless payment terminals.

Samsung Galaxy S7 and S7 edge, Galaxy S6 edge +, Galaxy Note5 and Samsung Galaxy A5 (2016) / A7 (2016) mid-range smartphones support contactless payment and are compatible with chip or magnetic stripe payment terminals.

How much does it cost to use Samsung Pay?

Sberbank clients do not pay a commission for payments through the service - it is absolutely free.

How is Samsung Pay convenient for a Sberbank client?

Now you don't have to be afraid that you left your wallet at home, as well as that your bank card might be stolen. To make a payment, you need a fingerprint of the owner of the smartphone and nothing else!

How is Samsung Pay secured?

No data on your smartphone is stored there, only the so-called token is stored - a special key or payment system. Even the interception of this token does not allow fraudsters to obtain any information about the card.

Benefits of Samsung Pay

Arkady Graf, head of Samsung Mobile in Russia:

"We are confident that Sberbank customers can appreciate the benefits of Samsung Pay payment service; it is simple, secure and versatile."

There are more than one and a half million payment terminals in Russia, but only 20,000 support the NFC service. all that is, all work with standard magnetic plastic cards.

Samsung Pay service supports both types of payment terminals thanks to MST technology. This means that you can pay anywhere except for devices with the old software version.

Samsung Pay allows you to pay for purchases using magnetic secure transfer, so Samsung Pay works on any terminal.

Samsung Pay is safe: During the payment, a token is used instead of the card number - your data is securely encrypted
Samsung Pay is accepted everywhere: you can use it to pay wherever credit cards are accepted

Instructions for working with Samsung Pay

Open the Samsung Pay app, press the start button, select a fingerprint or digital pin code for identification.
Add card details, accept the agreement with the Sberbank policy and Samsung rules. Well press sms to confirm registration in the system.
Enter the received code in the Special field and add your signature. Stylus or finger.
You can add the card to your favorites. One smartphone is limited to 10 bank cards.

How do I pay for an in-store purchase using Samsung Pay?

Launch the Samsung Pay app in any of the following ways:

moving from bottom to top on the locked screen,

moving from bottom to top on an inactive screen,

moving from bottom to top on the home screen,

or tap the Samsung Pay icon on the screen.

On the screen of your Samsung smartphone, you will see your cards connected to the Samsung Pay service. Select the card you will pay with. Log in using your fingerprint by placing your finger on the scanner, or enter the application password (PIN).
Bring your Samsung smartphone to the payment terminal. If the cashier asks to enter a PIN code, enter the PIN code of a plastic bank card, and if the cashier asks to sign, put your signature.
You will receive a check just like a regular card payment. And you will receive an SMS notification on the completed operation to your phone number.

Attention! Keep your password secret and prevent anyone, even your family members, from registering your fingerprints linked to your Samsung Pay gadget.

It often happens that people go out without cash or credit cards, but they almost always take their mobile devices with them. Maybe that's right. Indeed, in the near future, phones can almost completely replace plastic. Thanks to the emergence of various mobile payment services, people will be able to pay for their purchases, having only a smartphone with them, inside which card data is stored. One of the services that can give a good boost to this is Samsung Pay.

Briefly about what Samsung Pay is and how it works

Samsung Pay is a mobile payment system of a Korean company. Its main feature is the ability to make payments through terminals equipped to interact with the cards with magnetic stripes familiar to many. To do this, modern Samsung smartphones that support the service are equipped with MST technology. With its help, the phone generates an alternating current, thereby creating a field that can dynamically change. It operates approximately 8 centimeters from the reader. At the same time, the terminal is sure that the payment is made with a regular magnetic card, so there is no need to re-equip it. Of course, in addition to MST, Samsung Pay supports contactless payment by using a technology that, unfortunately, is still not widely used.

How Samsung Pay works

The owner of a Samsung smartphone with the support of the service adds credit card details to the application, which subsequently go to Samsung Knox and remain encrypted there. Before making a payment, he selects the desired card, gains access to it by providing his fingerprint or entering a PIN code, brings the device to the terminal and waits for the transaction to complete. During payment, the smartphone transmits to the device for payment not the card data, but a 16-digit code called a token, so attackers will not be able to intercept them during the "communication" between the mobile device and the terminal. If they manage to get the token, then they are unlikely to be able to do something with it, since the system will immediately block it when it is reused.

What devices and phones does the system work on?

Currently, you can use Samsung Pay to pay on one of the following Samsung Galaxy models: S7, S7 Edge, A3 (2017), A5 (2016/2017), A7 (2016/2017), Note 5, S6 Edge +, S6 Edge and S6 ... Interestingly, on the last two devices, payments are made only using NFC technology. The service is not available for the 2015 versions of the Samsung Galaxy A3 and A5, as well as the S5 and Note 4. In addition to smartphones, you can use Samsung Gear S2 and S3 smart watches to make a payment. Please note that Samsung Pay only works on mobile devices with official firmware that has not been rooted or modified.

Does it work on other devices (not Samsung)

Samsung provides full access to the payment system only to the owners of its smartphones. Owners of mobile devices from other manufacturers cannot use it. If only for the reason that their firmware lacks Samsung Knox technology, which stores all credit card data in encrypted form.

How to install, configure and use

If you cannot find Samsung Pay among the pre-installed applications on your device, you need to install a special firmware update that adds support for the service. You can download it through the "Phone update" section located in the system settings. After deploying the update, make sure that the application is up to date. You can download it from the Google Play Store.

Setting up Samsung Pay

Credit card details are located inside the smartphone itself and are not transferred further to Samsung. The phone, in this case, is a kind of replica of a credit card. At the same time, he does not see the balance of the card and does not communicate with the bank's mobile application in any way.

Using Samsung Pay

Samsung does not charge any fees for using Samsung Pay. Another interesting fact - Internet connection is not required at the time of payment. Authorization takes place using a smartphone. It turns out that in this way you can make payments abroad, while in roaming, and even when there is no SIM card in the smartphone.