Samsung Pay

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jojo
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Samsung Pay

Postby jojo » Sun Jun 26, 2016 1:19 am

Does anyone here use Samsung Pay? Can you share your experiences with the card issuers and merchants?

I have my Chase, Citi, and Amex cards on Samsung Pay. Discover and my credit union aren't supported.

95% of the time, this app has worked well. The only time I have problems is with Wal-Mart and Sam's Club. The payment kiosks there don't like Amex cards. I think it's something to do with the four digit code on the front of the Amex card as well as the CCV on the back. I still carry a backup credit card, as I'm not 100% confident in merchants accepting credit cards off a phone.


augiedog
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Re: Samsung Pay

Postby augiedog » Sun Jun 26, 2016 9:34 am

Walmart prompts for the back three numbers on an Amex, which I don't think your phone lets you see (or may not exist for the virtual number Samsung uses). Also magnetic transactions have been prompting cashiers to look at IDs especially for the past few years. Target sometimes asks for the last four digits of the card on magnetic transactions, and you would have to provide the virtual number Samsung Pay uses. Still, very interesting app/phone. I was curious if Samsung Pay would inherit problems from other magnetic wallets used in the past (like Coin) and it seems like it does.
I have an iPhone which comes with Apple Pay's spotty support. But at least merchants who accept it have no problems using it, and the number of merchants accepting Apple Pay has been increasing (if slowly). I hope Target will bring Apple Pay to stores this year, but they might be developing something similar to Walmart Pay.
American Express: Blue Cash Everyday (10k), Everyday, ; Discover It (7.3k) ; Target (2.1k)

Citi: Diamond (2k) ; Bank of America: Cash Rewards (2.6k) ; Capital One: Quicksilver (3k) , Sony ; Chase: Freedom (3.7k), Slate (3k), (Amazon) ; Barclay Ring ; Synchrony: Walmart MC, Amazon, Ebates

TXviking
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Re: Samsung Pay

Postby TXviking » Sun Jun 26, 2016 2:12 pm

I've set up Apple Pay for a few of my cards. But to be honest, I usually just swipe or use chip. The added security of Apple Pay (which I'm not entirely sold on, but I trust Apple more than I'd trust most companies to implement something like this) just isn't worth the effort of figuring out whether a particular merchant accepts Apple Pay. I figured I'd throw the cards on the phone so I could pay for stuff even if I lose my wallet, for example, but it does feel a bit like a solution in search of a problem.

augiedog
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Re: Samsung Pay

Postby augiedog » Sun Jun 26, 2016 3:35 pm

TXviking, if you're not finding Apple Pay useful now, you will next year when Apple rolls out Apple Pay for Safari. You'll be able to use Apple Pay online instead of entering your card number online, provided you upgrade to the newest version of iOS and macOS.
American Express: Blue Cash Everyday (10k), Everyday, ; Discover It (7.3k) ; Target (2.1k)

Citi: Diamond (2k) ; Bank of America: Cash Rewards (2.6k) ; Capital One: Quicksilver (3k) , Sony ; Chase: Freedom (3.7k), Slate (3k), (Amazon) ; Barclay Ring ; Synchrony: Walmart MC, Amazon, Ebates

TXviking
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Re: Samsung Pay

Postby TXviking » Sun Jun 26, 2016 10:58 pm

augiedog wrote:TXviking, if you're not finding Apple Pay useful now, you will next year when Apple rolls out Apple Pay for Safari. You'll be able to use Apple Pay online instead of entering your card number online, provided you upgrade to the newest version of iOS and macOS.


And provided I switch to Safari as my browser. Even then, I could have Google Chrome store my credit card details today. Apple Pay offers a few advantages in terms of security (the big one is preventing a corrupt or incompetent merchant from abusing your actual credit card number,) but in terms of convenience, I'm not sold. :oooo

augiedog
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Re: Samsung Pay

Postby augiedog » Sun Jun 26, 2016 11:35 pm

TXviking wrote:
And provided I switch to Safari as my browser. Even then, I could have Google Chrome store my credit card details today. Apple Pay offers a few advantages in terms of security (the big one is preventing a corrupt or incompetent merchant from abusing your actual credit card number,) but in terms of convenience, I'm not sold. :oooo


Or you could just wait for the next two years when they bring Apple Pay to all other apps (they have to make something to look forward to after the latest version starts to seem old).
American Express: Blue Cash Everyday (10k), Everyday, ; Discover It (7.3k) ; Target (2.1k)

Citi: Diamond (2k) ; Bank of America: Cash Rewards (2.6k) ; Capital One: Quicksilver (3k) , Sony ; Chase: Freedom (3.7k), Slate (3k), (Amazon) ; Barclay Ring ; Synchrony: Walmart MC, Amazon, Ebates

takeshi
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Re: Samsung Pay

Postby takeshi » Mon Jun 27, 2016 10:03 am

TXviking wrote:just isn't worth the effort of figuring out whether a particular merchant accepts Apple Pay.

Worth is always subjective but I've never found it to take any effort to determine whether or not a merchant accepts Apple Pay. If they accept NFC then they accept Apple Pay. The cases where Apple Pay has been specifically blocked seem rare and, IIRC, a number of the major chains that did so have reversed course.

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CarefulBuilder14
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Re: Samsung Pay

Postby CarefulBuilder14 » Tue Jun 28, 2016 1:32 pm

My phone is just slightly too old to support Samsung Pay. I was irked to discover this after adding the Amex offer and trying to download the app.

I've not looked closely at these technologies, but I've seen disclaimers that certain transactions via newer payment technologies might not be recognized properly for bonus categories. How much of a problem is this nowadays?
Wallet: Prestige CSP SchwabPlat Freedom It Hyatt SallieMae AAPlat
SD: Arrival BrooksBros BCE ED IHG
Letting new accounts cool off since May
Really not sure what I'll add next or when

augiedog
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Re: Samsung Pay

Postby augiedog » Tue Jun 28, 2016 3:04 pm

CarefulBuilder14 wrote:I've not looked closely at these technologies, but I've seen disclaimers that certain transactions via newer payment technologies might not be recognized properly for bonus categories. How much of a problem is this nowadays?


It's no longer a problem mainly because it is charging directly to your card, whereas Google wallet and PayPal normally routed the transaction through their service. The only difference is you might see "aplpay" or the last four digits of your iPhone's act number (since each device gets its own credit card number per card). Chase says the transaction is a blink, but that's all. In practice, it's exactly the same as swiping your card. I've always gotten my cash back or special offers.
American Express: Blue Cash Everyday (10k), Everyday, ; Discover It (7.3k) ; Target (2.1k)

Citi: Diamond (2k) ; Bank of America: Cash Rewards (2.6k) ; Capital One: Quicksilver (3k) , Sony ; Chase: Freedom (3.7k), Slate (3k), (Amazon) ; Barclay Ring ; Synchrony: Walmart MC, Amazon, Ebates

saba
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Re: Samsung Pay

Postby saba » Sat Aug 06, 2016 12:58 pm

I like Apple Pay. My wife used Samsung Pay a while but said it was getting cumbersome, and abandoned it for Apple Pay. She said it was much easier to use.



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