Contactless payment technologies based on NFC radio signals or magnetic fields have been working for several years. Another method of paying for goods is offered by Samsung Electronics together with Sberbank. The article highlights the most FAQ and answers about the service Samsung Pay in 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”,

MasterCard Platinum,

MasterCard Gold,

MasterCard Standard,

MasterCard Standard Contactless,

MasterCard Standard with individual design,

Youth card MasterCard Standard,

MasterCard Standard youth card with individual design.

Credit:

MasterCard Gold,

MasterCard Standard,

Youth card MasterCard Standard.

Video: How Samsung Pay works and why it is convenient:

How to connect to the Samsung Pay service?

Each owner compatible smartphone Galaxy maybe just open Samsung app Pay and enter your Samsung account details to gain access to all functions of the Samsung Pay service in Russia.

Where can I use Samsung?

You can pay for purchases through any payment terminals.

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

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

Which Samsung Galaxy phones work with Samsung Pay?

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

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 in the text.

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

Samsung Galaxy A7 2017 (SM-A720F)

Samsung Galaxy A5 2017 (SM-A520F)

Samsung Galaxy A3 2017 (SM-A320F)

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

Smartphones Samsung Galaxy S7 and S7 edge, Galaxy S6 edge+, Galaxy Note5 and smartphones Samsung average price segment Galaxy A5 (2016) / A7 (2016) 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 convenient is the Samsung Pay service for a Sberbank client?

Now you don’t have to worry that you left your wallet at home, or that your bank card might be stolen. To make a payment, you need the fingerprint of the smartphone owner and nothing more!

How is Samsung Pay device secure?

No data is stored on your smartphone; only a so-called token is stored there - a special key or payment system. Even intercepting this token prevents fraudsters from obtaining any information about the card.

Benefits of Samsung Pay

Head of Samsung Mobile in Russia Arkady Graf:

“We are confident that Sberbank clients can appreciate the benefits of the Samsung Pay payment service; it is simple, secure and universal.”

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

The Samsung Pay service supports both types of payment terminals thanks to MST technology. This means that you can pay anywhere except at machines with old version BY.

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

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

Samsung Pay is safe: During payment, a token is used instead of a card number - your data is securely encrypted
Samsung Pay is accepted everywhere: you can use it to pay anywhere that accepts bank cards

Instructions for working with Samsung Pay

1. Open the Samsung Pay application, press the start button, select the identification method: fingerprint or digital pincode.
2. Add your card details, accept the agreement with Sberbank policy and Samsung rules. Well, click SMS to confirm your registration in the system.
3. Enter the received code in the Special field and add your signature. With a stylus or finger.
4. You can add the map to your favorites. There is a limit of 10 bank cards on one smartphone.

How to pay for a purchase in a store using Samsung Pay?

Launch the Samsung Pay app using any of the following methods:

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.

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

Attention! Keep your password secret and don't let anyone, even your family members, register your fingerprints with your Samsung Pay device.

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

You can download Samsung Pay for Android 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 regular payment cards. plastic cards, with almost any trading terminals of the corresponding payment system - magnetic, chip contact or near contactless communication.

Samsung Pay allows you to use your gadget as a safer, faster and easier process for paying for goods and services. All confidential data passed 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.

Benefits of the service:

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

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

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

Adding a card to the service:

1. Make sure that the selected banking system supports the Samsung Pay service.
2. Install the application and register using your current Samsung account (e-mail).
3. We choose the most suitable identification method: fingerprint scanning or PIN code.
4. Add a bank card by taking a photo with a camera or entering the data manually.
5. We check the boxes and agree to the terms of service provided by Samsung Pay and the bank.
6. We go through authorization at the bank using SMS, the service is ready to use.

To make a payment, you just need to bring the device with the service running to the terminal. It is worth keeping in mind that Samsung Pay does not support terminals that require the physical presence of the card inside. For example, a card reader in an ATM, where you need to insert a card into the device to complete a transaction. Also, today there is no possibility to pay for a purchase on the Internet.

There are no fees for using the application.

Rates apply to payments made with regular bank cards. If it is necessary to return funds written off using the service, it occurs in the same way as with regular purchases - in accordance with the law and the rules of the store.

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

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 have the opportunity to pay for their purchases, having with them only a smartphone, inside of which card data is stored. One service that can give a good boost towards 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. Her main feature is the ability to make payments through terminals equipped to interact with cards with magnetic stripe, which are familiar to many. To do this in modern smartphones Samsung devices that support the service implement MST technology. With its help, the phone generates alternating current, thereby creating a field that can change dynamically. It operates at a distance of approximately 8 centimeters from the reader. At the same time, the terminal is confident 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 using technology, which, unfortunately, is still not widespread enough.

How Samsung Pay works

The owner of a Samsung smartphone that supports the service adds credit card data to the application, which subsequently ends up in Samsung Knox and remain there in encrypted form. 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 payment device 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 their hands on the token, it is unlikely that they will be able to do anything with it, since the system will immediately block it if used again.

What devices and phones does the system work on?

Now from using Samsung Pay can be made 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. Samsung versions Galaxy A3 and A5 2015, as well as S5 and Note 4, the service is not available. In addition to smartphones, you can use smart watches to make payments Samsung Gear S2 and S3. 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 owners of its smartphones. Owners of mobile devices from other manufacturers cannot use it. If only for the reason that their firmware does not contain Samsung technology Knox, 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 has the latest version. You can download it from Google Play Store.

Setting up Samsung Pay

The credit card data is located inside the smartphone itself and is not transmitted further to Samsung. The phone in this case is a kind of copy of a credit card. At the same time, he does not see the card balance and does not communicate in any way with mobile application jar.

Using Samsung Pay

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

BINBANK cards are also supported, but only those issued under the name MDM Bank. Support for new maps will be implemented later.

How Samsung Pay works

Payment is very simple. To pay, just open the application by swiping up and bring your phone to the bank terminal, confirming the purchase. All user data is stored in encrypted form, and information about virtual cards is transmitted to the terminal, which allows you to keep real data safe. No commission is charged.

What devices does Samsung Pay support?

Naturally, only owners of Samsung devices can use this system. But not all of the company’s gadgets support the payment system.

On what Samsung devices Pay supported:

• Galaxy S line (from series 6*);
• Galaxy A line 2016 (A5 and A7);
• Galaxy A line 2017;
• Galaxy Note 5;
• Gear S3.

* — Galaxy S6 and S6 Edge support payment only using NFC technology. Payment via MST is not available on these models.

The payment system will not work on other devices, as well as on those from this list that were purchased in another country. There is no point in wondering how to connect Samsung Pay to smartphones with Root rights or unofficial firmware, because... There is no such option and there never will be due to the lack of security on these devices.

How to set up Samsung Pay

How to install Samsung Pay? Install special application not required. If the device supports this payment system, then the application that is necessary to use it is included in the basic set and is in the list of all applications installed on the device. If your device is supported but the Samsung Pay icon is not there, follow these steps:

1. Add .
   1. Go to “Settings”, then to the “accounts” section.
   2. Click "Add Account". Select “Samsung account” from the list provided.
   3. Log in to your account or register by filling out all the required fields, and also confirm your registration in a letter that will be sent to your email.
2. Check for updates for your device.
   1. Enter “Settings”, find the “About device” section, in which you should select “Software Update” and click on “Update”.
   2. If there are updates, confirm their installation and wait until the process is completed.

After this, the application icon should appear. If this does not happen, then you should contact service center or Samsung technical support.

When all necessary actions will be completed, all that remains is to configure the application.

How to set up Samsung Pay:

1. Launch the application.
2. Add your fingerprint or create a passcode to confirm purchases.
3. Click on the map symbol or the “add” button.
4. Take a photo of the card or enter all the data manually.
5. Click “Next” and accept the agreement.
6. Press the SMS button. Enter the code that will come in the message and click “Send”.
7. Enter your signature on the screen.

Registration will be completed within 10 minutes. If this does not happen, and the card is supported, then you should contact the bank, because He is the one who does the blocking. It is possible that the card has restrictions that do not allow it to be used in such payment systems.

How to use Samsung Pay

How to set up Samsung Pay may be the most important question, but it’s not the only one. You also need to know how to use Samsung Pay.

How to pay for your purchase:

1. Swipe your finger across the smartphone screen from the home key up.
2. When the card image appears on the screen, bring the device to the payment terminal.
3. Confirm payment.
4. You can remove the device from the terminal as soon as the second one establishes a connection with the bank, as evidenced by the inscription on its screen.

If you lose your smartphone, all data can be quickly and easily deleted using the company's special Find My Mobile service. If necessary, you can delete all information manually by performing a general reset.

Step by step step Samsung copies almost every action of its main competitor - the American corporation Apple. Should Apple launch some new feature, how Koreans cleverly copy it and offer it to their fans. The same thing happened in the case of the payment system. Samsung Pay is direct Apple analogue Pay, with minor changes, which, by the way, may appeal to Russian users. So, let's figure it out. What is Samsung Pay? How to use Samsung Pay in Russia? And is it safe?

System requirements

Before you rush to connect Samsung Pay, make sure your smartphone is ready to work with this technology. To work with the digital payment system, a specialized chip is required, which not all Samsung gadgets are equipped with.

If you currently have one of the phones listed below in your hands, then you can safely connect Samsung Pay.

• Samsung S8.
• Samsung S7.
• Samsung S6 (there are restrictions on working with terminals).
• Samsung Note 5.
• Samsung Gear.

Banks

So, if the phone is suitable for working with the new payment system, consider half the battle done, now you need to make sure that your bank cooperates with Samsung Pay. To do this you will have to familiarize yourself with full list banks and the conditions for their support on the official Samsung website. Even if your bank is not there, it will most likely be there in the near future, as new banks and e-wallets are more enthusiastic about the new payment system.

It is important to note that the list of supported banks is impressive, there is everything from the ultra-progressive bank Tinkoff to the state old man Sberbank.

How to use Samsung Pay: attach a card

Since both the phone and the bank support the new technology, it’s time to move on to its initial setup.

1. First, install protection on your phone. This could be a passcode or (they will be required to confirm each payment, so it is better to choose the second option).
2. Download the Samsung Pay app if you don't have it on your phone.
3. Click on the "Attach card" button and scan it using your smartphone camera. Then manually enter the remaining data (CVV, for example).
4. Go through the bank verification using the SMS code that it will send you (in some cases, you may need to call the bank or be present in person).
5. Further is optional, but if you want, you can add electronic signature, maybe it will come in handy.

That's all, adding the card is finished, you can safely move on to shopping. The setup took us about 5 minutes.

We pay for purchases

How to use Samsung Pay now after setup? The fun part begins - shopping. According to the principle of operation, the payment system is not much different from a regular bank card. Just take your smartphone, place it on the terminal, place your finger on the fingerprint sensor and wait for confirmation. That's all. Payment has been completed. Many users are wondering how to use Samsung Pay in the subway. Everything is just as simple here. The main thing is to find a suitable terminal (they are usually located to the right of all the others).

Interestingly, Samsung phones can work not only with advanced NFC terminals, but also with outdated models that only work with magnetic tape. The company's own development makes it possible to create a special magnetic field between the terminal and the phone, simulating classic bank cards. Works flawlessly. Terminals are easily deceived by this trick and the payment is successful. This means you can pay with your smartphone anywhere. Payment can be made using latest model smart watch from Samsung. By the way, many people talk about commissions for payments, but in fact there are no commissions for users; Samsung takes it upon itself.

Payment security

Appearance new technology greatly worried users and banks, because large sums could be at stake, and companies offering such services must protect banking clients. Fortunately, the Koreans also took care of this.

Your payments are protected on all fronts:

• Firstly, during the transaction, your personal data remains on the phone and is not transferred to the terminal. The terminal receives only a random set of numbers, which is enough for it to contact the bank and confirm the payment. This operating principle is called tokenization.
• Secondly, every purchase must be confirmed using your fingerprint, which cannot be faked and used elsewhere.
• Thirdly, in Samsung phones Active protection against viruses and unauthorized actions is installed on the phone. This means that if the system suspects that it has been hacked, it will automatically delete all banking data, including card numbers, payment history, and so on.

Possible problems

Problems at work payment system- are rare, but they still exist, and many users have encountered them.

• The first problem is not updated software. Many smartphones work on old ones Android versions or on its hacked assemblies. Until you install the latest official firmware, the payment system will not work.
• The second problem is that many phone owners do not have an account. Before you can use Samsung Pay on your smartphone, you need to create this account. To do this, you need to open your phone settings and select the submenu " Accounts". There you will be asked to complete a short registration, after which you will be able to use all the company’s services.
• The third problem is a damaged NFC chip. Yes, this happens too. Sometimes the NFC module of a smartphone simply does not work properly and therefore needs to be replaced. With such a problem, you need to contact the service center.

Impressions, reviews, discounts

Samsung managed to create a great resonance among consumers. Everyone and everyone rushed to test the new product. Many people decided to try a new payment system only because the company organized an auction of unprecedented generosity and forced many companies to provide discounts to users of the payment system. Even the Moscow administration took a similar step. All summer long, subway fares are half the price when you pay using Samsung Pay. And this is just the beginning.

Samsung has already launched in America new system bonuses. Each purchase made using their proprietary payment system credits the user’s virtual account with some kind of cashback, which can later be spent on various products from the Samsung store. What exactly the company will sell is still unknown, but the Koreans have enough money to attract major partners.

Instead of a conclusion

What do we end up with? A simple and secure wallet right on your phone. Thus, IT companies have once again proven that they can change our lives. Every aspect of life. Now that you know how to use Samsung Pay correctly, it's time to try the system in action.

• Works with any terminals, regardless of the presence of an NFC chip.
• The user can choose from several payment confirmation methods.
• Bonuses, promotions and potential cashback system.

Disadvantages of the payment system:

• Works only on official firmware.
• The number of smartphones supporting the technology is not impressive.