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Samsung Pay makes it easy to pay with your phone at places you'd normally use a physical credit or debit card. Just tap your phone or watch to make a contactless payment and away you go. Samsung Pay offers one major feature that rivals like  lack. Called MST, or magnetic secure transmission,  works almost anywhere you pay for things -- even at older terminals that haven't been updated to work with contactless payments. But MST is being phased out in the US in 2021, starting with the Galaxy S21 phones, which makes Samsung Pay less of an essential choice on Android. Read on for everything you need to know about Samsung Pay.
Samsung Pay is available in 29 countries worldwideDeep breath: the US, UK, Australia, Belarus, Brazil, Canada, China, France, Germany, Hong Kong, India, Indonesia, Italy, Kazakhstan, Kuwait, Malaysia, Mexico, Puerto Rico, Russia, Singapore, South Africa, South Korea, Spain, Sweden, Switzerland, Taiwan, Thailand, United Arab Emirates and Vietnam.

























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Which phone, bank, card and carrier do I need?
Samsung Pay works with Galaxy , from the latest all the way back to the () from 2015. It's also available on some smartwatches including the , () 2, () (only for transactions on terminals),  and Gear Sport.

All major carriers in the US support Samsung Pay: AT&T, Cricket, , , , and US Cellular. You will also need a Visa, MasterCard, Discover or American Express card. See the full list of supported banks and cards in the chart below.

Samsung Pay users can also apply for a  called Samsung Money, in partnership with personal finance company SoFi.

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Where can I use Samsung Pay?
Samsung claims that its system will work with almost all point-of-sale systems: NFC, magnetic stripe and EMV (Europay, MasterCard and Visa) terminals for chip-based cards. It generally won't work with readers where you need to physically insert your card into a slot, such as those found at gas stations or on ATMs.

Using Samsung Pay in stores around San Francisco, I found that it was accepted almost everywhere. These included vendors using Square readers; NFC terminals in major chain retailers like Trader Joe's and Walgreens; and magnetic stripe readers in smaller stores. You may still need to for the transaction.

Samsung Pay also works on various public transit systems around the world, including MTA's OMNY system in New York City and Portland's TriMet. You can also use Samsung Pay within certain Samsung apps to make purchases without having to type in credit card details.


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