Samsung Pay – Money transfers

Samsung service centers

The Service is an electronic payment made through the company’s mobile devices. Most smartphones and tablets support this option.

The service appeared in August 2015, after a Korean manufacturer bought a small company LoopPay in February.

She developed and implemented a new opportunity for the banking industry. The novelty is as follows.

The program creates a virtual magnetic strip, which is used on electronic means of payment when paying by terminal.

The technology is called Magnetic Secure Transmission (MST). It creates an emulation of a magnetic field, as a result of which the terminal takes this virtual field for a magnetic strip and performs a reading operation.

MST is completely related to another NFC technology. Translated from English means “near field communication” (Near field communication). It appeared in 2004, but has not yet received proper distribution.

Thanks to the Samsung Pay service, NFC has become more popular, since contactless payment only works when NFC is enabled. The range is no more than 8 centimeters, which is the optimal value for paying by phone.

After the option began to be actively used in the Russian Federation, the vendor organized an advertising campaign in support of its new technology.

Many services and goods were much cheaper when paying through Samsung Pay.

For example, a ride on the Moscow metro cost twice as much if the client paid using contactless payment technology.

The contactless payment function is not supported by all Samsung smartphones. Earlier versions do not have this capability.

The list of the most popular models is as follows:

• Galaxy S8;
• Galaxy S7;
• Galaxy S6, but there are some limitations;
• Galaxy A3;
• Galaxy S9;
• Galaxy A5.

The S6 series does not have built-in MST technology, which means that models in this category can only work with modern electronic payment readers.

Here is a short instruction on how to pay using the contactless payment system.

1. The customer comes to the store’s checkout and waits for the employee to enter payment data into the terminal;
2. After the cashier announces the final amount of the purchase, the owner of the smartphone swipes his index finger across the screen from bottom to top to activate the Samsung pay application;
3. In the next step, the user brings the mobile device to the payment terminal and waits until an inscription confirming the payment operation appears on the screen;
4. The client puts the communicator in his pocket and takes the purchase.

Information about service centers can be found on the official website of the company.

By going to the site, the visitor indicates his device with which he had a problem.

Next, he selects the option he needs and clicks on it with the left mouse button. A list of mobile devices will be displayed on the screen.

Search uses special filters. The visitor can choose which SCs he is interested in: direct from Samsung, partner authorized centers, or both.

Detailed information is provided for each company. Worth a five-star rating. The more stars, the more customers liked the SC.

Below is the official portal address and contact phone numbers for more information. Some service centers have recommended visiting hours.

There are two links at the very end of the line. By clicking on the first one, the client will be shown the location of the service center on a schematic map, and the second one will help to get directions using the Yandex. Cards”.

Take the opinions of mobile device owners about the contactless payment service from the Otzovik website.

How to register in the application?

After the application has been installed on a mobile device, launch it and go through registration. Two options are possible. The first case is when the client already has an account on the Samsung domain, and the second is when the user purchased a mobile device from a Korean company for the first time.

Let’s first consider how to create an account name on the Samsung portal. If the owner of the smartphone already has it, go to the next step.

1. On the mobile device, open the “Settings” menu, go to the “Accounts” section. Next, click “Add an account”;

1. In the window that opens, select the line, as shown in the screenshot below;

1. In the window that opens, select the item “Create an account”;

1. The main window with registration information will be displayed on the communicator screen. We begin to fill in the following.

First, the client comes up with an account name. It can be arbitrary, as long as it is easy to remember and unique.

In the next two lines, enter the password and its confirmation. It should be designed according to the recommendations below.

To check the entered data, the user can activate the “Show password” option. The screen will display the data specified in the corresponding fields.

Next, fill in the information about the year of birth, indicate the full name of the owner of the phone. This information is necessary so that if the mobile device is lost, the owner can get it back.

How useful is Samsung Pay?

The service is convenient because you can pay by bank transfer using only your smartphone.

Phone owners no longer have to look for a bank card to pay through the terminal. You just need to activate the application and make a payment. The action will take no more than one minute.

Such a service will save time on shopping, you will no longer have to stand in lines waiting for the sellers to find change for the buyer. Payment is instant.

There is a function to save payments. All financial transactions that are made using Samsung Pay are stored in the application.

At any time, the owner of the communicator can open the history, and track the history of purchases.

The application can store an unlimited number of payment cards. Thus, the client can load all his cards into the program and no longer carry them with him.

Which phone models are supported by Samsung Pay

Most financial structures are ready to work with Samsung pay technology. From their point of view, this is a new technology that will completely replace the standard payment method in the near future.

List of famous banks:

• Sberbank;
• Alfa-bank;
• Gazprombank;
• Tinkoff;
• VTB24;
• Rocketbank;
• Russian standard.

Separately, I would like to mention the payment card of Sberbank – MIR. This is a new system that was developed in Russia. Mostly used by government agencies.

In 2017, a decision was made to launch a pilot project involving several banks from the list above. They introduced the possibility of using the MIR payment system for contactless payment via Samsung Pay.

After successful testing, the project was approved, and in 2018 the service became widespread. Today, most banks work with the MIR payment system as well as with others. Bank card holders can easily pay for purchases.

Before downloading this application to your device, please note that it will work with the following models:

1. Galaxy A5 (2016);
2. Galaxy A7 (2016);
3. Galaxy S 7 edge;
4. Galaxy S 6 edge ;
5. Galaxy S6 Edge (NFC contactless payment available since November 2016);
6. Galaxy S 7;
7. Galaxy S6 (NFC only since November 2016);
8. Galaxy Note 5.

In the event that for some reason a Samsung smartphone does not support this payment service, you can do the following:

1. Visit Samsung official website page .
2. Select your device model from the list.

   

3. Then you need to enter the valid (e-mail) to which the Samsung Account is linked.

   

4. Next, you need to enter your unique IMEI in the form.

   Important: In order to find out your IMEI, type the following combination *#06# on the keyboard of your device, after which the IMEI will be displayed on the screen. In the event that 2 SIM cards are installed in the smartphone, 2 IMEIs will appear on the screen. You need to enter IMEI1 in the form. You cannot enter any numbers or the “/” character after it.

   

5. When all the fields are filled in, you should put two checkmarks like on this screenshot.

   

6. And the last thing to do is to click on the “Submit” button.

   

After some time, you will receive a notification when exactly the service will be available on your device.

Samsung Pay Security & Privacy

When using Samsung Pay technology, many smartphone owners have a question – “How safe is it to use such a function?”.

The Korean vendor has set the following three rules to help protect data during payment and prevent hackers from gaining access:

• Tokenization. During the payment operation, a one-time security token is received from the mobile device, which can only be accepted by one terminal. It is generated randomly. Its main purpose is to hide the bank card code, all data inside it is encrypted. Thus, the transfer of payment details to the terminal is fully encrypted, and excludes the possibility of hacking;
• KNOX. A special technology that was developed by Samsung to protect their data. The technology is a “sandbox”, that is, it is an isolated virtual space in which all financial transactions or any other user actions take place. Using KNOX allows you to reliably protect the data of smartphone owners from intruders;
• Confirmation of the debiting of funds from the means of payment passes either by a fingerprint or through a PIN code. The restriction only works when paying more than 1000 rubles. Accordingly, the withdrawal of funds will not occur without the permission of the user.

Your card details are not stored on your device or Samsung servers. Instead of a real card number when paying
uses a special digital code generated randomly – a token.

Each transaction is necessarily confirmed by your fingerprint, iris or application PIN code —
only you can make purchases.

Built-in Samsung Knox security ensures data protection regardless of the operating system on
device, and blocks access to Samsung Pay data if it detects malware, Root rights, or
unofficial firmware.

No. Samsung Pay does not have access to a bank account.

Your card information is not stored in Samsung Pay on your device or on Samsung servers. To commit
transactions only use card token data.

App PIN cannot be recovered for security reasons. If you forget your Samsung Pay PIN:

1. Clear the data of the “Samsung Pay” app. All payment data will be deleted from the smartphone.
2. Sign up for Samsung Pay again.
3. Re-add your payment cards (for this you will need to re-verify the card using the code from the SMS
   from the Bank).

If the device is lost or stolen, payment information will be protected: for each
Samsung Pay transactions require user verification by fingerprint, iris, or
Application PIN. You can also block or delete all data from the device (including data
Samsung Pay) via Samsung service
Find My Mobile*.

*On the device, the “Remote control” function must be enabled beforehand (Settings – Screen
locks and security – Find my phone).

No. If you reset the settings, all data from Samsung Pay will be deleted.

No. Samsung Pay is a payment service that must securely protect payment data. Embedded system
Samsung Knox security ensures data protection regardless of the operating system on the device, and
blocks access to Samsung Pay data when malware, root access, or unofficial firmware is detected.

If you still think that using the payment service is not safe and scammers can somehow use it to withdraw funds, we hasten to dissuade you from this.

The fact is that there are three systems that protect personal information at once: tokenization, fingerprint verification and Samsung KNOX.

Tokenization

As soon as payment for purchases is made, the system randomly generates a token (a special digital code). At the same time, the user’s personal information does not appear anywhere during the transaction.

This or that payment transaction cannot go through without your fingerprint. So, even if the smartphone is lost, it will be impossible for the finder to pay for purchases from someone else’s smartphone.

Samsung KNOX

The security system inside the device is designed in such a way that it can prevent any third-party hacker attack. It continuously monitors smartphone vulnerabilities. Even if the smartphone can be infected with malware, the card data will be securely encrypted inside the Samsung KNOX container.

Which phone models are supported by Samsung Pay

At the first stage, for the correct operation of the payment system, you need to register and create a Samsung account. Then you need to create and verify a fingerprint. The next step is to create a PIN code for Samsung Pay.

Then you need to add your bank card. This can be done by scanning with a camera or by entering the data yourself. The bank must send confirmation in the form of an SMS message with a one-time password. In the window that appears, you need to put your signature.

Full card will be registered in 10 minutes.

The last 4 digits should appear in the card information, as well as the 4-digit token number. Everything, now, using a mobile device, you can pay for purchases in stores.

After selecting a card that has money on it, in order for the transaction to be successful, you need to put your finger on the “fingerprint” icon or enter a pin code for the Samsung Pay service. Next, bring your smartphone to the terminal to pay. If the purchase amount exceeds one thousand rubles, you will need to enter the PIN code of the bank card.

This service works with Mastercard cards of the following banks:

1. VTB24;
2. ALFA-BANK;
3. Raiffeisenbank;
4. MTS-Bank;
5. Russian Standard Bank;
6. Yandex payment system.

Later the service will be available in other banks. Recall that earlier Sberbank of Russia reported that it plans to soon connect the Samsung Pay service.

So far, the application works with Mastercard cards. Support for Visa cards will be implemented later. The payment service supports work with no more than 10 cards.

There may be different nuances during the payment process. Here is some of them.

• If the total amount is more than 1000 rubles, the user will have to confirm the payment: put a finger on the sensor on the phone or enter a PIN code;
• From time to time, terminals lose connection with the financial structure, which, as a result, leads to a delay in confirmation of payment or refusal by banks. In such cases, it is recommended to try again in a couple of minutes to make a payment;
• There are not enough funds on the linked card. In this case, first of all, it is recommended to check the current balance of the client. And then try to use other cards, since by default only one card is used in the settings of the Samsung Pay application;
• The customer purchased the phone from other than authorized Samsung partners. That is, he acquired a “gray” mobile device. In such situations, when registering in the Samsung system, the user will receive a message stating that the smartphone does not support the contactless payment option;
• The firmware of each phone needs to be updated periodically, which contains the necessary data. It is recommended to regularly update the operating system and applications used to maintain relevance and new features;
• From time to time, the NFC adapter stops working properly. You just need to restart your mobile device to check its status. If it still does not work, then it is recommended that you contact an authorized service center to resolve the problem.

First launch – how to install and add a Samsung Pay card

Smartphones from Samsung that support the contactless payment function already have the corresponding application installed. The user only needs to enter the details of the bank card that will be used for the calculation.

Before adding a card to the Samsung Pay payment service, it is important to make sure that this system is supported by the bank and the card.

1. Go to the application on your device and click “Start”.

   

2. Next, set up a pin code or fingerprint. In the future, with their help it will be possible to confirm all purchases.

   

3. In the case when a card is added for the first time, you need to click on its symbol. If this is not the first map added, then click “Add”.

   

4. You can take a picture of the card data or enter it yourself. Then click “Next”.

   
   

5. Next, you need to accept the agreements of the bank and the payment service.

   
   

6. After the agreement, an SMS message with a one-time number will be sent to the smartphone to confirm registration.

   

7. The received combination of numbers from the SMS message must be entered in a special field, and then click “Send”.

   

8. Using a stylus or a finger, you need to put an electronic signature, then click “Done”. An electronic signature may be required if the cashier wants to compare it on a check and a card.

   

9. After that, the card will be added to the payment service from Samsung. By the way, only 10 bank cards can be added to one mobile device.

   

You can also register a virtual card in the Samsung Pay software. The principle of registration is similar to the process for standard bank cards, but there are some differences.

Firstly, the details of the payment instrument are generated by the vendor, without the participation of the user. This guarantees a high level of reliability of the generated data.

Secondly, the service of such a card is completely transferred to the Samsung company. That is, the user no longer needs to change it, contact the representatives of the financial institution in case of any problems.

Thirdly, the virtual payment instrument will allow the client to secure their payments in the global network. If he suspects that he has been hacked, just go to the Samsung Pay program and block the current virtual card.

Samsung support

If a user has problems with a mobile device or Samsung Pay technology, he can contact the vendor’s contact center.

The subscriber dials the number and talks about his problem. If a contact center employee can solve his problem, he tries to help the client. For example, to advise how points are awarded for the Gold status when buying through Samsung pay.

If the issue cannot be resolved immediately, then the subscriber is addressed to the next support line. The company’s employees are highly qualified specialists, and always try to help users solve the current problem.

You can also contact the contact center in other ways. Let’s talk about each in more detail. There is a link to the chat on the official website of the vendor.

User clicks “Start Chat”. A new workspace will open in which you need to fill in the following lines

The client enters in the “Nickname” field the name that will be displayed in the chat. The following two fields to fill out are optional, but they can speed up the response in case of a problem with a technical device. It is recommended to specify parameters.

After that, the user accepts the agreement, and clicks “Start”. He will have access to an online dialogue with a support staff member.

The second way to contact the call center is by e-mail.

By clicking on “Write a letter”, the visitor is sent to the site with a choice of one of two categories: general or technical. After activating one of the options, the user gets access to the form for sending a letter through the vendor’s website.

The client specifies the type of request, and then enters his name. As means of feedback, you must specify an e-mail and a contact phone number.

The second part assumes that the client provides detailed information about the problem that has occurred.

The top field serves as the heading of the letter, and in the message the user talks about the problem that has occurred. If the client needs to upload screenshots, then you should use the appropriate field below.

After that, the user optionally confirms his consent in the fields below, and clicks “Submit”.

The answer will come within a few days. If necessary, the client will be contacted at the specified phone number.

Samsung also has social media accounts.

The user follows the link and asks his question in private messages. Operators are almost constantly online and are ready to provide a detailed answer to the question asked.

Benefits

Here are the positive aspects of using Samsung Pay compared to other similar services:

1. Samsung developed this technology to support not only bank cards with a chip, but also old-generation magnetic stripe payment instruments. MSD technology generates a virtual field identical to the magnetic one, as a result of which the terminal accepts it;
2. Samsung’s unique development called KNOX is a virtual isolated space that can protect the user when using Samsung Pay. This technology conducts all financial transactions in its environment, and, in case of suspicion of hacking by an attacker, simply blocks access to other smartphone functions;
3. When using contactless payment technology, smartphone owners receive bonus points in partner stores or from participants in promotional programs. Accumulated bonuses can be spent in the official Samsung store;

Introduction to Samsung Pay

Samsung Pay is a convenient, fast and secure payment service. It allows you to pay for purchases with your smartphone at
any terminals that accept contactless and magnetic stripe payments.

In addition, the service allows you to make money transfers and pay in online stores and applications.

Thanks to proprietary MST (Magnetic Secure Transmission) technology, Samsung Pay is accepted for payment
wherever you can pay for a purchase with a regular bank card using contactless technology or magnetic
strip.

Samsung Pay available on original Samsung products for local distribution
Russian Federation and Republic of Belarus.

• Samsung Galaxy S10e | S10 | S10
• Samsung Galaxy S9 | S9
• Samsung Galaxy S8 | S8
• Samsung Galaxy S7 | S7
• Samsung Galaxy S6 Edge
• Samsung Galaxy S6 | S6 Edge (NFC only)
• Samsung Galaxy Note10 | Note10
• Samsung Galaxy Note9 | Note8 | Note5
• Samsung Galaxy A80 | A70
• Samsung Galaxy A50 128 GB
• Samsung Galaxy A50 64 GB (NFC only)
• Samsung Galaxy A40
• Samsung Galaxy A30s (NFC only)
• Samsung Galaxy A30 (NFC only)
• Samsung Galaxy A20 (NFC only)
• Samsung Galaxy A9 (2018) | A7 (2018) (NFC only)
• Samsung Galaxy A8 | A8
• Samsung Galaxy A6 | A6 (NFC only)
• Samsung Galaxy A7 (2017) | A5 (2017) | A3 (2017)
• Samsung Galaxy A7 (2016) | A5 (2016)
• Samsung Galaxy J6 | J4 (NFC only)
• Samsung Galaxy J7 (2017) | J5 (2017)
• Samsung Gear S3 classic | frontier*
• Samsung Gear Sport (NFC only) *
• Samsung Galaxy Watch (NFC only) *
• Samsung Galaxy Watch Active (NFC only) *
• Samsung Galaxy Watch Active2 (NFC only) *

https://www.youtube.com/watch?v=itFrgJeQwhM

Making payments via Samsung Pay with a Mir card is only available on compatible mobile devices
(smartphones).