Samung Pay Beta (USA) - Galaxy S6 Edge+ Q&A, Help & Troubleshooting

I registered for the Samsung Pay Beta program yesterday. Today I received a mail that I've been accepted in the Beta Program. I happily started the Samsung Pay app and it showed a new screen for installation. I installed it. The interface looks good. You can just scan the card and it captures the card number and expiry date automatically. Rest of the information has to be filled manually. However, It didn't accept my CHASE or AMEX card. It gives following error:-
Registration failed
Unable to register your card. Try another
card or contact the card issuer. (645101)
Anybody else having similar issue ?

I am having the same problem with both my cards

I received the beta invite as well. The participation details list the qualifying cards. http://www.samsung.com/us/samsung-p...ID=0125494973&MKM_MID=&CID=eml-mb-cph-815-975

Bradfordv said:
I am having the same problem with both my cards
Click to expand...
Click to collapse
rsfinsrq said:
I received the beta invite as well. The participation details list the qualifying cards. http://www.samsung.com/us/samsung-p...ID=0125494973&MKM_MID=&CID=eml-mb-cph-815-975
Click to expand...
Click to collapse
Looks like very limited participants are available for Beta Program. I received a mail from AmEx that my card couldn't be added and when I called their customer support, they said the particular Corporate ard I'm trying to add isn't supported to the Beta program, however, it would be available 28th Sept onward (official launch). The Chase however have no idea about Samsung Pay. They said they are aware of only Apple Pay.

I have it as well. It will only work with US Bank or Bank of America (Visa Debit or Visa Credit card). I also tried my other cards just to see if they would work, nothing else is accepted yet. I did call customer service for all of my cards (Amex, Chase, Barclay's, American Airlines CC and Capital One) and they said they will work with Samsung Pay near the end of September.
Looks like Samsung is just minimizing the testing to keep control of things. Worked perfect at Panera with my B of A Debit Visa card. Of course the girl thought it was an IPhone. Knew that was coming hahahaha
Edge 6+ Gold
Sent from my SM-G928T using Tapatalk

mcmikelw said:
Of course the girl thought it was an IPhone. Knew that was coming hahahaha
Click to expand...
Click to collapse
The inevitable... :silly:

I didn't realize this when I used it the other day but Samsung Pay is actually integrated into your lock screen and every screen screen even after you unlock your phone. I previously accessed Samsung Pay through the app as that is how I was use to accessing Google Wallet.
So here is how you quick access it:
Once you turn the screen on, you will see a small tab floating above the home key that says Samsung Pay.
Swipe it up (without unlocking the screen). Choose a card you want to use, then once you want to use it, you use finger print to unlock it. The phone will start vibrating and have some animation on the screen to indicate you can now pay.
If you have your phone unlocked and you were previously using it, you simply swipe up and bam there it is.
I guess in the excitement yesterday I didn't see this. The Samsung pay tab is so small, if you are on auto pilot using your phone you will miss it.
Sent from my SM-G928T using Tapatalk

Im using it as well.. apple pay still much quiker.. id like to see even your phone is locked just tap it and use fingerprint and it will activate. On samsung pay i have to hit fingerprunt twice since my lockscreen is fingerprint

apurva.giri said:
I registered for the Samsung Pay Beta program yesterday. Today I received a mail that I've been accepted in the Beta Program. I happily started the Samsung Pay app and it showed a new screen for installation. I installed it. The interface looks good. You can just scan the card and it captures the card number and expiry date automatically. Rest of the information has to be filled manually. However, It didn't accept my CHASE or AMEX card. It gives following error:-
Registration failed
Unable to register your card. Try another
card or contact the card issuer. (645101)
Anybody else having similar issue ?
Click to expand...
Click to collapse
Hi,
What was the reason for your to enroll in the Samsung Pay (Beta) program to begin with?

ad78 said:
Im using it as well.. apple pay still much quiker.. id like to see even your phone is locked just tap it and use fingerprint and it will activate. On samsung pay i have to hit fingerprunt twice since my lockscreen is fingerprint
Click to expand...
Click to collapse
Applepay doesn't support MST and there isn't a way for the phone to know there is a MST terminal in front of it. NFC is 2 way which is why it works for that. They could possibly make it work automatically with NFC capable terminals but it would likely just confuse some people about when it's automatic and when it's manual. I don't find it hard to use at all in its current form.

jasonl.teehee said:
Hi,
What was the reason for your to enroll in the Samsung Pay (Beta) program to begin with?
Click to expand...
Click to collapse
Well, the Beta programs (Samsung or no Samsung) intend to execute a trial run before the actual services are officially released. Would make no sense if nobody enrolls in it, don't you agree ?

apurva.giri said:
Well, the Beta programs (Samsung or no Samsung) intend to execute a trial run before the actual services are officially released. Would make no sense if nobody enrolls in it, don't you agree ?
Click to expand...
Click to collapse
but what's the purpose behind it? does it have the same approach like paypal?

jasonl.teehee said:
but what's the purpose behind it? does it have the same approach like paypal?
Click to expand...
Click to collapse
Samsung Pay is a payment system which uses NFC and MST. Once you've added your card, you can go to any retailer and pay using your phone instead of your card. If the retailer has an NFC system, you can simply tap your phone onto the NFC section of the payment system and authenticate using PIN/Fingerprint and the payment should be made. Otherwise, if the retailer has traditional magnetic card swiping payment system, just start the Samsung Pay and bring it near the edge of the Payment System where card is required to be swiped. Use PIN/Fingerprint for authentication and the payment should be made easily.
Try googling about Samsung Pay, you'll know more in details.

apurva.giri said:
Samsung Pay is a payment system which uses NFC and MST. Once you've added your card, you can go to any retailer and pay using your phone instead of your card. If the retailer has an NFC system, you can simply tap your phone onto the NFC section of the payment system and authenticate using PIN/Fingerprint and the payment should be made. Otherwise, if the retailer has traditional magnetic card swiping payment system, just start the Samsung Pay and bring it near the edge of the Payment System where card is required to be swiped. Use PIN/Fingerprint for authentication and the payment should be made easily.
Try googling about Samsung Pay, you'll know more in details.
Click to expand...
Click to collapse
I'll stick with the classic way, lol, not too sure how safe is the Samsung Pay. :good:

jasonl.teehee said:
I'll stick with the classic way, lol, not too sure how safe is the Samsung Pay. :good:
Click to expand...
Click to collapse
I'd say it's significantly safer than carrying a physical card around since anyone could rob you and use it where as samsung pay couldn't be used unless they chopped off your finger when they stole the phone and at that point the cashier would be suspicious I'm thinking.

jasonl.teehee said:
I'll stick with the classic way, lol, not too sure how safe is the Samsung Pay. :good:
Click to expand...
Click to collapse
We're talking about Samsung here.. You could trust them with your contacts, messages, social media credentials, banking apps and you can't trust them with Samsung Pay. Really ? May be you don't use banking apps (I thought you may bring that up again), and that's okay. It's your hard earned money, I'm sure you know how to handle it better than anybody else does. You might wanna look into Samsung Knox bdw (just for information purpose), its even NSA approved.
codee said:
I'd say it's significantly safer than carrying a physical card around since anyone could rob you and use it where as samsung pay couldn't be used unless they chopped off your finger when they stole the phone and at that point the cashier would be suspicious I'm thinking.
Click to expand...
Click to collapse
And even if someone manages to do all that, one can simply call the bank to nullify the transaction. A chopped finger would suffice as a proof! :cyclops:

jasonl.teehee said:
I'll stick with the classic way, lol, not too sure how safe is the Samsung Pay. :good:
Click to expand...
Click to collapse
I think the toeknization is the real value here. When you go to target and buy something they don't actually have access to your card info, they have a token because the card info stays at the payment processor and is activated by the token. At least that's how I understand it.
Hell, in theory, if target gets hacked and your token is compromised they can do a mass update and scramble the tokens only for cards used at target in the last X number of days.
IMHO this is exponentially safer than using your card at a store. Skimmers are probably less effective too, all kinds of joy with this innovation.

They should of had all major banks on board. So people dont sit around and think about why it may not be safe. Big mistake not not have a feature ready by launch. I have capital one and Wellsfargo and i am waiting not even knowing if they will ever sign on.

dallastx said:
They should of had all major banks on board. So people dont sit around and think about why it may not be safe. Big mistake not not have a feature ready by launch. I have capital one and Wellsfargo and i am waiting not even knowing if they will ever sign on.
Click to expand...
Click to collapse
As long as they are VISA or Master Card, they should work. Atleast that's what I understand. Also, there are only limited banks supported for Beta, you should try Capital One and Wellsfargo after 28th.
Sent from my SAMSUNG-SM-G928A using XDA Free mobile app

dallastx said:
They should of had all major banks on board. So people dont sit around and think about why it may not be safe. Big mistake not not have a feature ready by launch. I have capital one and Wellsfargo and i am waiting not even knowing if they will ever sign on.
Click to expand...
Click to collapse
American express, Visa, MasterCard and some large banks are on board - seems to be a pretty good backing and show of support to me. Anyone that thinks it isn't safe clearly has no idea of how the system works because it's actually significantly safer than a standard card.

Related

Nfc as a credit card

I thought we would be able to use the nexus s as a credit/debit card after 2.3.3...... But in the write tags section, i dont see anywhere that says an option like it
:-(
~Sent from my Nexus S with Swype~
Even if NFC receives the function of credit/debit card, we must first think about in what places will they receive it. I'm sure movie theater and public big corporation markets will adopt the payment of NFC soon, but I still think we should give it sometime first.
But meanwhile I would love 2 use it where I can...most places do read nfc enabled cards. So how could ot be possible to write on a.credit card?
Maybe get the unknown file the nfc chip reads, then write it as a nfc read only file, then try to use it somewhere?
~Sent from my Nexus S with Swype~
so far, it works on public transportation.
I'm sure the adaptation to public market will come soon.
xdahd2 said:
I thought we would be able to use the nexus s as a credit/debit card after 2.3.3...... But in the write tags section, i dont see anywhere that says an option like it
Click to expand...
Click to collapse
You misunderstood. The 2.3.3 update allows DEVELOPERS to add NFC read/write capabilities to their apps. This means that VISA, Mastercard, and other credit card companies can now write apps that use NFC to process payments. We will no doubt see such apps soon.
The default NFC capabilities in 2.3.3 are just for unencrypted transactions like business card trading and such. Credit card transactions, as you can imagine, must be treated with much more sensitivity, and as such only the credit card companies can make those apps.
xdahd2 said:
I thought we would be able to use the nexus s as a credit/debit card after 2.3.3...... But in the write tags section, i dont see anywhere that says an option like it
:-(
~Sent from my Nexus S with Swype~
Click to expand...
Click to collapse
You need your bank to release an app allowing the phone to access your account and then create the transaction, PROVIDE ENCRIPTION and so on...
Think about this: if the functions has been embedded, anyone "tagging" you would be able to trigger them, let alone that you could mispressing the "pay" button
Moreover, acting as a credit card is not about writing a tag, but emulating one.
In short: is the phone that allows the shop to read your card, not you writing your bank info to their POS
Be patient
:x
Can't wait to spend money with my phone!!
I just started working, so I just opened a bank account!!!!
But then again, not so thrilled with the ongoing bugs.... "/
~Sent from my Nexus S with Swype~
sadkorean34 said:
Even if NFC receives the function of credit/debit card, we must first think about in what places will they receive it. I'm sure movie theater and public big corporation markets will adopt the payment of NFC soon, but I still think we should give it sometime first.
Click to expand...
Click to collapse
Hey there,
I live in Australia, banks are rolling-out NFC for payments <$100, they call it PayPass, and I love it. All 7Elevens have it, burger places and cinemas are leading the move as well. It's super fast, just wave your payment card, light goes green within less than a second and that's it!
My NS detects the NFC tags in my payment cards, it just says something like "unknown tag". But I thought that the NS was only a NFC reading unit, don't know if you can program a tag into it -which is pretty much what we need to make a payment I guess.
Cheers.
This was the first thing I thought of when I got this phone. Use nfc to pay for stuff. All we need is for visa or your bank to make an app then plug your card number in and done. Nfc readers are becoming very widespread, vivotech is a big one, Google them and nfc. Its only a matter of time now.
Sent from my Nexus S using XDA Premium App

I can't see why NFC is worth having

Quote from Ron Rule on twitter:
"How is it more 'convenient' to start an app, pick a card, enter PIN, then confirm vs. just swiping a credit card?"
You've got to admit he's got a point! Sometimes phones just aren't the best way to do things. I recently got my boarding card for a flight sent to my mobile as an MMS and it was a pain. It was a good way to show off my lovely SGS2 though! However next time I'm sticking to good old paper next time.
it's not as simple as just swiping a credit card, you have to take your wallet out of your pants and fumble around for your card. it's still probably faster than nfc still but the point of nfc imo is that if you have like a huge stack of cards like credit cards and gift cards, they're all just on your phone.
you wouldn't have to carry around all your cards on the off chance that you might want to use it that day. if you want to use your subway's gift card, it's already on your phone and you don't have to run home and get it
At least here in Croatia debit cards require a swiping, then have to be inserted into a machine and then you input a pin, wait a good 5~10 seconds for a confromation and you're done.
Credit cards require you to swipe the card and wait for the machine to print out a reciept that you have to sign.
So NFC makes a lot sense to me.
buttes said:
it's not as simple as just swiping a credit card, you have to take your wallet out of your pants and fumble around for your card. it's still probably faster than nfc still but the point of nfc imo is that if you have like a huge stack of cards like credit cards and gift cards, they're all just on your phone.
you wouldn't have to carry around all your cards on the off chance that you might want to use it that day. if you want to use your subway's gift card, it's already on your phone and you don't have to run home and get it
Click to expand...
Click to collapse
Most people have 1 card, some more.
It takes MUCH less place having cards, and if you can't take your card out properly, you need brain surgery or something.
For me this is just another marketing trick, like 3D.
BlueSebba said:
Most people have 1 card, some more.
It takes MUCH less place having cards, and if you can't take your card out properly, you need brain surgery or something.
For me this is just another marketing trick, like 3D.
Click to expand...
Click to collapse
i'm just going by the nfc video that engadget showed before, where it had not just your credit card but restaurant and store gift cards. if you don't use gift cards then this is irrelevant to you
the point is that nfc isn't just used for credit cards. for example it was also used to check into google i/o
Personally I don't trust the technology enough to entrust it with my credit and debit card details.
Intratech said:
Personally I don't trust the technology enough to entrust it with my credit and debit card details.
Click to expand...
Click to collapse
+1 for now
However I won't deny the fact that having a phone with this feature which I won't use often or just incase IS better than having a phone without it.
Sent from my GT-I9100 using XDA Premium App
Its not just about paying for things either, you could have a train ticket on your phone linked to foursquare and when you tap to go through the barriers it checks you in at that location automatically.
Or being at places where areas or stands could have nfc so people can get more information like having one at a restaurant automatically puts the name, number and menu on your phone.
Sent from my GT-I9100 using XDA App
nfc is going to come with next batch of s2 ?
i hav checked samsung's official website and it does not mention nfc anywhere..jst want to know if except korea any other has got nfc ? Like UK,etc...i also read that micro sd's are being made wid nfc support but they dont work in a metal tray.So guessing nfc will be added in our sim's by our respective carriers in the future if at all needed..i mean replace our old sim wid nfc included sim.Please correct me if im wrong,im jst pointing out that nfc takes a very small place and it can be placed even in a sim in near future.So not having nfc must not be an issue UNLESS IF SAMSUNG BRINGS NFC ON THERE NEXT OR 3RD BATCH OF S2 TO INDIA..early owners will be a whole lot of disappointd if sammy does so.anyway i doubt any country would get it 1st of all except korea ofcourse.
buttes said:
it's not as simple as just swiping a credit card, you have to take your wallet out of your pants and fumble around for your card. it's still probably faster than nfc still but the point of nfc imo is that if you have like a huge stack of cards like credit cards and gift cards, they're all just on your phone.
you wouldn't have to carry around all your cards on the off chance that you might want to use it that day. if you want to use your subway's gift card, it's already on your phone and you don't have to run home and get it
Click to expand...
Click to collapse
They already have keychain quick devices that can load all your credit cards onto, and they are free.
Moandal said:
Quote from Ron Rule on twitter:
"How is it more 'convenient' to start an app, pick a card, enter PIN, then confirm vs. just swiping a credit card?"
You've got to admit he's got a point! Sometimes phones just aren't the best way to do things. I recently got my boarding card for a flight sent to my mobile as an MMS and it was a pain. It was a good way to show off my lovely SGS2 though! However next time I'm sticking to good old paper next time.
Click to expand...
Click to collapse
Wouldn't it also be an identity theft's dream come true. Your phone #s, social media info, credit card info, all located in one device. Also don't forget what do you do if your phone dies and you need to make a purchase? Or if you drop your phone? Or it gets stolen? Or buy a new phone (have to resync all that crap again)? So it isn't going to completely replace your credit card. Also for the guy that so fumble for your wallet. I guess your phone is in hand 24/7?
rex-tc said:
Wouldn't it also be an identity theft's dream come true. Your phone #s, social media info, credit card info, all located in one device. Also don't forget what do you do if your phone dies and you need to make a purchase? Or if you drop your phone? Or it gets stolen? Or buy a new phone (have to resync all that crap again)? So it isn't going to completely replace your credit card. Also for the guy that so fumble for your wallet. I guess your phone is in hand 24/7?
Click to expand...
Click to collapse
Actually I was wondering that the other day.
But I think it's worth having seeing as most of us have our hands in our phones a lot of the time, so of course in time, it'll probably become natural to those who use it.
I think that they need is a screen that can take a finger print and therefore NFC is only enabled when that certain fingerprint is on the screen. Sounds a bit far fetched but what are the bets that'll be implemented on phones in a year or two? There's only so many cores you can stick in one CPU
What everyone seems to be missing is that embedded NFC transactions won't just replace the swiping of a credit card, its able to do a lot more to change the way consumers shop and make transactions.
Let alone the multitude of other uses for NFC. People will start to use it for more than shopping as the technology becomes more widespread. Developers just need more incentive to be creative and really unlock it's potential.
Sent from my GT-I9100 using XDA App
Intratech said:
Personally I don't trust the technology enough to entrust it with my credit and debit card details.
Click to expand...
Click to collapse
It wouldn't be the first time someone has distrusted a new technology because they don't understand it. No offense. I'm sure companies will start public awareness campaigns to quell this.
Sent from my GT-I9100 using XDA App
It's another android system waiting to be hacked, bigtime.
sleeco said:
It's another android system waiting to be hacked, bigtime.
Click to expand...
Click to collapse
Please, more FUD
Sent from my GT-I9100 using XDA App
i'm studying electrical and electronic engineering and i'm sure sooner hackers will try hack the NFC to steal credit card details. But NFC is good for health monitoring in the future.
I'm quite sick and tired of taking out my card out of my wallet every time I get on and get off a public transport, its so much hassle.
I would prefer to just scan the phone one one of those receivers since I always have my phone out on the public transport anyway.
zoobzone said:
I would prefer to just scan the phone one one of those receivers since I always have my phone out on the public transport anyway.
Click to expand...
Click to collapse
I noticed in that google nfc video that you still have to sign your signature on the receiver, kinda a let down imo as paying at the pumps or shopping online you don't need any signature.

Another thing I look forward to, Tokenization.

I'm really excited to hear that even swipe to pay will be supported, and in a much more secure way then using your regular cc. Here's some info I dug up on reddit. ps - won't let me post links.
As for benefits of all this, the big one is security. Samsung Pay (along with Apple Pay, etc) use something called tokenization. Let me illustrate this with an example:
You walk into Target, and decide to buy some groceries. You pay for your groceries with Samsung Pay. Here’s where tokenization kicks in.
If you had paid with your normal credit card, Target would have seen your credit card number directly
With tokenization, instead, Target only sees a temporary, one-time use credit card number generated by your bank through your smartphone. This one-time use credit card number is good for only that one transaction currently happening in front of your face. Once the credit card number has been used, it can never be used again.
This means that Target will never see your “real” credit card number, and thus, if Target is ever hacked, all the hackers would see are one-time-use credit card numbers that can’t be used for anything.
Click to expand...
Click to collapse
nobiaz said:
I'm really excited to hear that even swipe to pay will be supported, and in a much more secure way then using your regular cc. Here's some info I dug up on reddit. ps - won't let me post links.
Click to expand...
Click to collapse
That is freakin awesome..

Why I chose Samsung Pay over Android Pay

I thought I would share my experience with both products and why I chose to go with Samsung Pay as my digital wallet. Let me know your thoughts if you have used them both.
https://youtu.be/GNN2lOKAlEA
The last 4 numbers on the card within the app have to be the actual numbers of your card, because if you have multiple cards from the same bank, you would never be able to know which is which.
Sent from my Nexus 5 using Tapatalk
That's what I thought about as well at first. At Least with bank of america and citi cards are all different colors. I don't have two blue, red or black. I did an informal survey of friends and they pulled their cards out and didnt seem to have two visa, mastercard or amex. Just one of each. hmmm
harlenm said:
The last 4 numbers on the card within the app have to be the actual numbers of your card, because if you have multiple cards from the same bank, you would never be able to know which is which.
Sent from my Nexus 5 using Tapatalk
Click to expand...
Click to collapse
Exactly... With one of my banks I have 3 Visas (2 are debit cards) and they all look identical other than the numbers.
Sent from my SM-N920V using Tapatalk
ebpman said:
That's what I thought about as well at first. At Least with bank of america and citi cards are all different colors. I don't have two blue, red or black. I did an informal survey of friends and they pulled their cards out and didnt seem to have two visa, mastercard or amex. Just one of each. hmmm
Click to expand...
Click to collapse
I have 2 visas that are identical.
Sent from my Nexus 5 using Tapatalk
It's kind of a no brainer for those with the choice...
Wallet's a clunky mess. If I use it at Walgreen's I have to: enter or bypass my loyalty number, choose credit or debit, and confirm the amount. Softcard, Apple Pay, and Samsung Pay all are/were "tap and go." Maybe Android Pay's improved but I'm not married to Google and I trust Samsung more then them not to monotize me.
Android Pay requires you to use a lockscreen PIN so no fingerprints. Fail.
My US Bank cards arrive next week so I can start using it personally. But from comments and videos Samsung Pay sure looks quick and easy to use.
What difference does which you choose make? They all do the same thing and Samsung's lock on using legacy magnetic stripe machines is kind of a big differentiator.
Am I missing something? Does anyone here have positives for using Android Pay?
So I went to Staples today and noticed they had the new card readers that say Android Pay and Apple Pay on them so I was like cool I'll try android pay for the first time...and it failed with a error so I quickly switched over to Samsung Pay and it worked without a hitch so needless to say that Samsung Pay is the clear winner. Even if Android Pay did work Samsung Pay is still the king!
BarryH_GEG said:
It's kind of a no brainer for those with the choice...
Android Pay requires you to use a lockscreen PIN so no fingerprints. Fail.
Click to expand...
Click to collapse
Android Pay requires a lockscreen period. It doesn't care if it's a pin or fingerprints. I am using Android Pay on my Note 5 and have my lockscreen set to the fingerprint reader.
I would never use a phone with no lock screen, so that requirement doesn't impact me.
Sent from my SM-N920V using Tapatalk
BarryH_GEG said:
It's kind of a no brainer for those with the choice...
Wallet's a clunky mess. If I use it at Walgreen's I have to: enter or bypass my loyalty number, choose credit or debit, and confirm the amount. Softcard, Apple Pay, and Samsung Pay all are/were "tap and go." Maybe Android Pay's improved but I'm not married to Google and I trust Samsung more then them not to monotize me.
Android Pay requires you to use a lockscreen PIN so no fingerprints. Fail.
My US Bank cards arrive next week so I can start using it personally. But from comments and videos Samsung Pay sure looks quick and easy to use.
What difference does which you choose make? They all do the same thing and Samsung's lock on using legacy magnetic stripe machines is kind of a big differentiator.
Am I missing something? Does anyone here have positives for using Android Pay?
Click to expand...
Click to collapse
What are you talking about? Wallet is tap and forget. Open app, put in pin, tap device on reader. That's all you ever have to do
Sent from my Nexus 5 using Tapatalk
Will Verizon folks get Samsung pay?
Sent from my SM-N920V using Tapatalk
BarryH_GEG said:
Am I missing something? Does anyone here have positives for using Android Pay?
Click to expand...
Click to collapse
Ya, the fact that Android Pay supports my credit union and that I can't use Samsung Pay at all.
fchowd0696 said:
Ya, the fact that Android Pay supports my credit union and that I can't use Samsung Pay at all.
Click to expand...
Click to collapse
That one's kind of a given.
Anyway, Wallet updated itself to Android Pay a couple of days ago so I got to play with it. Did anyone here use ISIS/Softcard? Compared to the old Wallet it worked great and was literally "tap and go" so you didn't have to deal with picking debit or credit and answering "enter rewards number?' and "is amount OK?" That's the way Apple Pay works. I was hoping with the Softcard purchase things would have improved but they haven't. The only improvement in A-Pay I noticed is not having to launch the app to use it. If the device is alive and unlocked it'll work. Any other big enhancements I missed?
I've been in the S-Pay beta since it launched but I haven't been able to use it because none of my cards were eligible. I hated my bank so moved everything over to US Bank and all my "stuff" came in Thrusday including a Visa check card and credit card. Some S-Pay observations...
Not related to S-Pay, but US Bank really wants to make sure it's you using your "stuff." My check card came Thursday but you can't activate it without signing up for online banking. Fine, but you need your bank assigned PIN to do that. It ships separately so I had to wait until Friday when it arrived to access anything or put my card(s) in S-Pay. US Bank has a three step verification process: user designated User ID, followed by a user selected picture with audio (the dog picture barks) with a user assigned field naming the picture which has to be entered at each verification, and then a password. If someone hacks my account and can get past all that they deserve what's in it.
Adding the cards wasn't smooth sailing either. The credit card went in fine but at the end it listed options to validate the card for use with S-Pay. The only option was to call US Bank. I thought with a techish product like mobile payment being required to pick-up the phone was a bit old school. It may be a US Bank vs. an S-Pay thing. The debit card kept failing when I tried to put it in because with all the ID's I had to create I forgot to sign in to mobile banking and answer a half dozen questions to officially activate the card. It was fine after that and I got a different US Bank number to call to get permission to add the card.
App-wise S-Pay feels so much more logical and complete than A-Pay. In the example above where I had to call the bank their was a dialer icon to make the call from within the verification page I was on. The cards you enter are all swipeable and the last card used becomes the default until you use a different card. If you tap the card all your activity is shown and at the bottom there's a "customer service" expandable field with actionable links to the banks website and phone number. There's also a button that allows you to directly open your bank's app, use it, and when done you're returned to where you were in S-Pay. Once you enter your fingerprint at the sales terminal to make a payment there's a count down bar that shows S-Pay's reading so you know when it's ready and active. Little stuff but it makes S-Pay feel complete.
You can set how you want to access S-Pay for making payments in any combination - directly from the lock screen, directly from any home screen, or even when the screen's off. The last one's cool and works like taking a note on the display with S Pen when the phone's off. All are invoked by swiping from the bottom of the display. Leaving the above "off" requires you to launch the app yourself to make a payment. Pretty cool stuff.
So I had fun using it today for errands. I hit three magnetic terminals at Home Depot, Walmart, and Circle K. All three worked well and in one shot. The Walmart terminal was ancient and was literally held to its dock with duct tape. I was counseled by Walmart and Circle K staff that I can't use my phone to pay just as the register completed the sale. Priceless. I used it via NFC at Walgreens and it worked like Apple Pay and Softcard with no post recognition interrogation - just tap, pay, and done. Happy.
Needless to say because I have a choice I disabled Wallet/A-Pay. On AT&T you can't delete it because it's a pre-installed app. I'm not sorry to see it go and going back to it from Softcard was painful. Samsung's set a pretty high ease-of-use bar for Google to match. When I was setting up S-Pay a system pop-up asked if I wanted to replace A-Pay as my mobile payment choice. So people that want to use both will have to go in to settings to toggle between them.
Sorry for the long post. Mobile payments are going to be huge and I find this stuff interesting. Hope some others do to.
You don't have to toggle anything to go between apps. You set android pay as the default, and choose prioritize forward application. That way, when spay is open, it is used to pay. If it's closed, android pay is used. As of now, android pay supports Amex and s-pay doesn't. It also stores loyalty cards and brings them up automatically when near a store.
{
"lightbox_close": "Close",
"lightbox_next": "Next",
"lightbox_previous": "Previous",
"lightbox_error": "The requested content cannot be loaded. Please try again later.",
"lightbox_start_slideshow": "Start slideshow",
"lightbox_stop_slideshow": "Stop slideshow",
"lightbox_full_screen": "Full screen",
"lightbox_thumbnails": "Thumbnails",
"lightbox_download": "Download",
"lightbox_share": "Share",
"lightbox_zoom": "Zoom",
"lightbox_new_window": "New window",
"lightbox_toggle_sidebar": "Toggle sidebar"
}
harlenm said:
What are you talking about? Wallet is tap and forget. Open app, put in pin, tap device on reader. That's all you ever have to do
Sent from my Nexus 5 using Tapatalk
Click to expand...
Click to collapse
You actually don't even have to open the app. You just tap the terminal and because you set your default Tap-to-Pay method in the settings it knows what app to use and because Android Pay allows you to set a default card it knows which card to use. I just tap, scan fingerprint and it payment goes through.
bigboi3021 said:
You actually don't even have to open the app. You just tap the terminal and because you set your default Tap-to-Pay method in the settings it knows what app to use and because Android Pay allows you to set a default card it knows which card to use. I just tap, scan fingerprint and it payment goes through.
Click to expand...
Click to collapse
Yeah, I know that is how it works now with Android pay. But with wallet you needed to enter your pin to make a purchase.
I haven't used any of these yet or even read up on it. last night was the first time i've seen any of this in action when my brother used Android Pay to make a payment. but, is internet access required? or does it work like how you could just tap your card on certain terminals (like what I used to do with my bank card)?
(Sent from another Galaxy)
tallazzPilipino said:
I haven't used any of these yet or even read up on it. last night was the first time i've seen any of this in action when my brother used Android Pay to make a payment. but, is internet access required? or does it work like how you could just tap your card on certain terminals (like what I used to do with my bank card)?
(Sent from another Galaxy)
Click to expand...
Click to collapse
I don't think it needs Internet. Google wallet payments did, but I don't think android pay or Samsung Pay does. Not 100% on that though.
harlenm said:
I don't think it needs Internet. Google wallet payments did, but I don't think android pay or Samsung Pay does. Not 100% on that though.
Click to expand...
Click to collapse
hopefully not. at many grocery stores, I can barely hang on to any signal. i'll probably play around with them this weekend.
(Sent from another Galaxy)
tallazzPilipino said:
hopefully not. at many grocery stores, I can barely hang on to any signal. i'll probably play around with them this weekend.
(Sent from another Galaxy)
Click to expand...
Click to collapse
Apparently you can do a few transactions without a data connection on Android pay.

Samsung Pay Experience Thread

Just got my Samsung Pay Beta activated on my phone two days ago (Sprint GS6) and I wanted to share my experience. In short, it works brilliantly. I tried it today for the first time. I have my chip & pin Bank of America card attached to it.
The first place I tried was Walgreens. They have NFC readers, but I turned off NFC because I wanted to try the MST part to see how good it would work. As soon as the cashier told me how much I had to pay, I put my phone up to the reader and it worked almost instantly. I was actually surprised at how fast it was, even faster than NFC (Google Wallet) from my past experiences. The cashier didn't even flinch or ask questions, I guess she is used to people paying with their phones.
The second place I tried was Dollar Tree. I pretty much did the same thing, as soon as she told me the price I held the phone to the reader and it worked instantly. This time the cashier had never seen someone pay with their phone. She asked me if I had just paid with my phone and I said yes. She told me I was very advanced and modern (she was an older lady) and the old lady behind me said the same thing. She was smiling the whole time I was walking out the door. I laughed and told them it was the new Samsung Pay.
So far it has been a really nice positive experience from ease of use, to cashier response. I need to try it at more places obviously. Just one thing to mention, when the phone is off and you pull up the credit card, you have to swipe up all the way to the middle of the screen for it to recognize what you are trying to do and turn on. I wish they made it a smaller swipe motion.
I'll update this as I try it at more places. I plan on getting the Gear S2 Classic, so I'm excited to try NFC on that as well.
Got my beta a few days ago, just updated my FW today (T-Mobile Latest) still can't get the placeholder app to give me the install button.
no experience yet. samsung just keeps emailing saying im invited to test the beta and i just keep putting in my email....maybe I'll get the link to the beta app on the 27th....
nolimit78 said:
Got my beta a few days ago, just updated my FW today (T-Mobile Latest) still can't get the placeholder app to give me the install button.
Click to expand...
Click to collapse
Are you signed into your Samsung account on the phone? Your Samsung sign-in has to be the same email as the email you signed up for in beta.
rob219 said:
no experience yet. samsung just keeps emailing saying im invited to test the beta and i just keep putting in my email....maybe I'll get the link to the beta app on the 27th....
Click to expand...
Click to collapse
What carrier are you using? Do you have the Samsung Pay app on your phone already?
@senneca01, though i think i know the answer but you must be on stock rooted isnt it? Has anyone tried the samsung pay on rooted device?
senneca01 said:
Are you signed into your Samsung account on the phone? Your Samsung sign-in has to be the same email as the email you signed up for in beta.
What carrier are you using? Do you have the Samsung Pay app on your phone already?
Click to expand...
Click to collapse
att and no app
Yeah. I wasn't at first but I fixed that quick. Wiped the galaxy app store, account, Samsung pay and samsumg÷ app. I even tried downloading someone else's Samsung pay and framework app. That got me further. I was able to get all the way to where it sees your login and I hit next it tries to load but fails.
rob219 said:
att and no app
Click to expand...
Click to collapse
Okay, I guess ATT has not updated their FW yet.
nolimit78 said:
Yeah. I wasn't at first but I fixed that quick. Wiped the galaxy app store, account, Samsung pay and samsumg÷ app. I even tried downloading someone else's Samsung pay and framework app. That got me further. I was able to get all the way to where it sees your login and I hit next it tries to load but fails.
Click to expand...
Click to collapse
I've read that it takes a few days to show up for some people, I hope it works soon for you.
used it the other day. Strange experience. but it worked flawlessly at Home Depot
Its also cool you can swipe up with the screen off and active it so you dont have to have it active all the time
(FYI: i had to call Samsung Pay to get beta activated because this is my 2nd phone and they had tied to the original IMEI i had)
Tried it at GameStop today and the MST worked flawlessly. Only this time the cashier asked me for the last 4 digits of the card. Samsung just updated the app yesterday and now it shows the last 4 digits of the digital card right under the last 4 digits of the real card. It did not show that before, so it is a nice update. Showed him my phone and was out the door. He was totally confused about the whole transaction, had never seen it done before.
had to report my first bug today. Samsung pay seems to break my IR blaster. have a ticket in so we'll see what happens
Lockeskidney said:
had to report my first bug today. Samsung pay seems to break my IR blaster. have a ticket in so we'll see what happens
Click to expand...
Click to collapse
Reported the same bug and got a ticket in as well. It seems to break both the top IR blaster (used by the Peel remote) and the proximity IR emitter on the front (used by Beep'nGo).
I've been racking my brain trying to figure out what was wrong with my IR Blaster. I'm glad my hunch was right and that Samsung Pay (once a card is activated in the software) is the culprit.
Well, I was very excited to see Samsung Pay available for my use today. After the hour or so of updates that I needed, I went to start adding cards to it. Out of about 6 cards in my wallet, only one actually works. So, yeah, it's great that it can be used at more places than Google Pay or Apple Pay, but only with one of my cards, which happens to be an AmEx, which also means that it's NOT accepted at a lot of places.
Also, when I tried using it at the grocery store, I couldn't get it to work. I kept holding it near the card swipe slot, moving the phone around, never got it.
Does anybody know when it will come to Europe ?
Sent from my SM-G925F using Tapatalk
tomihbk said:
Does anybody know when it will come to Europe ?
Sent from my SM-G925F using Tapatalk
Click to expand...
Click to collapse
This depends on the given country and also the local banks AFAIK.
I got it activated today and added a card.
Seems a bit laggy at times,
It's froze a couple of times on me.
Have yet to try it, I will next time IF I REMEMBER lol.
Gotta get used to it.
Also Question, do you have to have NFC activated or android beam in order to use sam pay?
Crisisx1 said:
I got it activated today and added a card.
...
Also Question, do you have to have NFC activated or android beam in order to use sam pay?
Click to expand...
Click to collapse
Nope. NFC is merely a fallback if it cannot do a MST. I keep NFC off just to try and get MST sales to go through.
I just used Samsung pay at auto zone. . It was so easy and effortless! !
Sent from my SM-G920T using XDA Free mobile app
It worked great for me on my second try, using a vending machine today.

Categories

Resources