Samsung Pay FAQ & User Flow

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1. What is Samsung Pay?

Samsung Pay is secure and easy-to-use mobile payment service which can be used to make purchases nearly everywhere.

2. Samsung Pay compatible devices?

Galaxy S8+, Galaxy S8, Galaxy Note 8, Galaxy J7 Pro, Galaxy A9 Pro, Galaxy Note 5, Galaxy S7, Galaxy S7 edge, Galaxy S6 edge+, Galaxy A5 (2017), Galaxy A7 (2017), Galaxy A5 (2016), Galaxy A7 (2016)

3. How does Samsung Pay work?

Samsung Pay uses proprietary Magnetic Secure Transmission (MST) and Near Field Communication (NFC) to make contactless mobile payments.

4. What is MST?

Magnetic Secure Transmission or MST is a ground-breaking 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; For Payments place the Phone on Side, on a regular card machine.

5. What is NFC?

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 Payments place the Phone on Top an NFC enabled card machine.

6. How close does the device have to be to the swiping machine for MST to work?

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

7. What is the difference between MST and NFC technology?

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 in the market.

8. Can I use Samsung Pay at an ATM?

Currently Samsung Pay will not work at ATMs in India.

9. Can I use Samsung Pay for making online purchases?

Not currently. Samsung Pay currently supports in-store payments only.

10. How can I create Samsung Pay Account?

When you open Samsung Pay for the first time, you will be asked to sign in to a Samsung account. If you do not have an account, you can create one at that time.

11. How can I register my Card on Samsung Pay?

Cards can be registered by either scanning your card with Samsung Pay or manually inputting the card in formation. Then Samsung Pay will prompt to verify your identity through an OTP.

12. How many cards can I register into Samsung Pay?

You can register up to 10 payment cards on Samsung Pay (Credit / Debit Cards).

13. The card image I see in Samsung Pay does not match my physical card. Is there an issue with my card?

No, there is no issue. The card displayed in Samsung Pay may differ slightly with the physical card.
The key points to look for are:

  • The card issuer (HDFC Bank)
  • The Card Network (Visa / Master)
  • The last four digits of the physical card

14. Why should I use Samsung Pay instead of my Physical cards?

Samsung Pay offers a simple and convenient payment experience that is quicker than searching through your wallet or purse. Additionally, Samsung Pay is a secure method of payment and ensures that you do not have to hand over the card for payment.

15. Not able to register my Diners card on Samsung Pay?

Currently Diners cards are not acceptable on Samsung Pay.

16. What happens if my finger print is not recognized in Samsung Pay?

You can enter the Samsung Pay PIN you created as a backup option.

17. How long will it take for my card to activate after registering it on Samsung Pay?

The average amount of time between the request for activation and approval will be within minutes, but can take up to 10 minutes after any additional verification requirements have been met. If this amount of time has been exceeded, remove the card from Samsung Pay and register it again. Contact Customer Care for assistance if you continue to encounter delays.

18. How can I cancel/dispute a payment made using Samsung Pay?

Cancelling/Disputing the payment made with Samsung Pay is exactly same as Physical Card.

19. Can I use Samsung Pay in foreign countries?

If your physical Credit or Debit card is enabled for international payments, you should be able to use Samsung Pay to make your payment in countries where Samsung Pay is launched.

20. Can I download Samsung Pay from Play Store or My Galaxy App?

No, you cannot download Samsung Pay from Play Store or Galaxy App. App will be installed through software update or MR (Maintenance Release) update.

21. Do I need to have an active internet data connection for Samsung Pay to work?

Samsung Pay requires an active internet connection for card registration and activation. However, an active internet connection is not required to make in-store card purchases. It is recommended the device should be connected to the internet for the best Samsung pay experience.

22. Does Samsung Pay store my personal/payment information on a server or on device?

No. Samsung does not store your personal/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 Token, which is used to replace your sensitive payment information, is stored on the device.

23. If I switch phones, do I need to add the cards all over again in Samsung Pay?

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

24. What should I do if my device is lost or stolen?

If your device is lost or stolen, you can use Samsung’s Find My Mobile service to Lock Samsung Pay (remotely disable) or to Wipe Samsung Pay (remove all the payment cards registered onto your device).

25. If I reset my device, what happens to my Samsung Pay account?

When performing a factory data reset, all payment information in Samsung Pay will be deleted. You will need to set up and add your payment card information on Samsung Pay again after your device has been reset.

26. How secure is Samsung Pay?

Samsung Pay uses leading edge tokenization and authentication methods to secure payment information. Samsung Pay also uses biometrics as a security measure, enabling users to authenticate Samsung Pay via fingerprint or Secured PIN. In addition to the security measures implemented by Samsung Pay, Samsung’s KNOX service constantly monitors suspicious activity within the device to protect from any malicious attacks.

27. What is Tokenization?

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

28. How is my default payment card in Samsung Pay determined?

There is not a "default" card in Samsung Pay. When you open the app or activate the favorite 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.

29. What should I do if I have an issue adding a payment card to Samsung Pay?

Please contact customer care and verify you are adding an eligible payment card. Some cards from participating banks may not be supported in Samsung Pay. Samsung Pay also requires an active internet connection when adding a payment card. Verify that you are connected to the internet via a Wi-Fi network or your mobile data connection.

30. What is the Retry button, I see when I am trying to make a payment using Samsung Pay?

The retry button appears when the countdown timer has reached 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 begin the payment process, one additional time, without reauthorizing using your fingerprint or PIN. When an NFC transaction is completed, the retry button will not be shown. Additionally, if a payment success notification is received, the retry button will not be shown.

31. Do I need to do an ATM transaction before using my Debit Card on Samsung Pay?

Yes, you need to have performed at least one ATM transaction using your Debit Card before using it in Samsung Pay.

32. Can I continue to use my Physical card, if I disable Samsung Pay or remove the digital equivalent on Samsung Pay?

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

33. What should I do if I lose my Original Credit / Debit card and then receive a replacement Card?

The payment cards on Samsung Pay are digital versions of your physical Credit or Debit cards. If you lose your original card and then receive a replacement card, you may need to remove the original card from Samsung Pay and register the replacement card.

34. How can I Keep track of the Purchases I have made with Samsung Pay?

Samsung Pay shows last 10 purchases.
To see that:

  • Open Samsung Pay.
  • Choose the card.
  • At the bottom you will be able to see the available transaction history

35. How do I use Find My Mobile to manage Samsung Pay?

If your device is lost or stolen, your payment information will not be accessible without your fingerprint or Samsung Pay PIN. For added security, the Samsung Find My Mobile service can remotely lock or erase your payment cards in Samsung Pay.

36. Samsung Pay Support

Got more Questions on Samsung device or Samsung Pay, call 24*7 Samsung Pay call center - 1800-123-17729
For Credit/Debit card related Information, contact HDFC Bank customer care.