Samsung Pay can now also be used on smartwatches

With Samsung Pay, in addition to Google Pay and Apple Pay, there has been a third, major service in Germany since October 2020 that can be used to pay via mobile phone. The advantage of Samsung Pay is that you can use the service without your own credit card. But there are also some restrictions.

Samsung Pay launched in Germany on October 28, 2020. Despite the limitations mentioned, the service sounds promising. TECHNOLOGY BUTTON reveals which smartphones, smartwatches and banks can be used to use the mobile payment service.

Samsung Pay can be used with these devices

Smartphones with Samsung Pay

The Samsung Pay app runs on most, but not all, Samsung phones. The South Koreans name devices from the Galaxy S and Galaxy Note series from the eighth generation and the Galaxy A series from the Galaxy A6 (2018) as compatible. There are also the Xcover Pro model and the Z-series folding display telephones. The manufacturer has published the complete list of smartphones with which Samsung Pay can be used on its website.

However, models from the NFC-free Galaxy J and M series are also excluded from Samsung Pay, as are rooted telephones or the Galaxy S6 or Galaxy S7, although these two models come with NFC. However, owners of these devices can still use Google Pay because they meet the requirements for this service.

Smartwatches with Samsung Pay

Via the “Back” button on the Galaxy Watch, users can activate the payment mode on their watch. As long as the watch is on your wrist, according to the manufacturer, you only need to enter a PIN once to authorize the payment. As with smartphones, all payment information is sent encrypted after authorization.

Also interesting: “XPay” – banks and savings banks launch an attack on PayPal

A checking account is sufficient

Google and Apple are dependent on cooperation with banks. Whether you can pay using these two services also depends on which bank you are a customer of. Samsung Pay, on the other hand, claims that with the help of its partners Solarisbank and Visa, every user with a current account can use the service. You don’t have to have a credit card.

This is how Samsung Pay works

To be able to use Samsung Pay, smartphone owners must first download the free app from the Play Store or Galaxy Store. After installing the payment app, you register your own data and the bank through which the payment is to be made. For registration, Solarisbank uses a simple identification process that does not require video identification or a visit to a branch. Users * also receive a virtual Visa debit card that they can use wherever Visa contactless is already accepted. Once set up, future payments with Samsung Pay will be debited from the linked house bank account within one to two days.

In the shop, the customer pays by smartphone by holding his unlocked cell phone up to the payment terminal. The principle behind it is the same as with credit or giro cards that have an NFC chip.

The encrypted payment information on the virtual debit card is encrypted via NFC and transmitted contactlessly to the card reader and the outstanding amount is paid. Users receive a confirmation on their mobile phone for each payment process. If you wish, you can also view a complete account statement for payments made in the app.

Also interesting: Twitter plans subscription with exclusive tweets for paying users

Mobile payment with installment function