Using near-field communication (NFC), a Galaxy smartphone (or even smartwatch) that supports Samsung Pay allows you to make quick and easy retail purchases. All without having to fumble around with your wallet or purse. When you launch the Samsung Pay app on your phone, you simply hold the phone above the credit card terminal and then tap-and-go.

Here’s what really puts Samsung Pay ahead of the competition. Existing card readers recognize Samsung Pay. For terminals that do not support NFC, Samsung Pay also works with MST (Magnetic Strip Technology), enabling consumers to make a contactless payment on a terminal even with the old school magnetic strip technology. The MST technology differentiates Samsung Pay from Apple Pay and Android Pay, both of which are only equipped to use NFC technology. While the other mobile wallet apps are limited to merchants who provide NFC technology, Samsung Pay can be used anywhere traditional credit and debit cards are accepted.

How to set up Samsung Pay:

1. Open the app on your phone
2. Scan your credit card
3. Use your fingerprint or PIN to secure the account along with an authorization code provided by the app
4. Once you’re ready to use Samsung Pay, swipe up from the bottom of the display
5. Swipe left or right to choose the card to use
6. Verify your fingerprint for the app or enter your PIN
7. Touch the back of your phone on the reader or hover your phone over the reader
8. Your phone will vibrate indicating payment

The following banks and services support Samsung Pay:

• American Express
• Mastercard
• Visa
• Bank of America
• Chase
• Citi
• JP Morgan Chase
• PNC
• US Bank

Samsung Pay has expanded to the following countries and regions:

• Australia
• Belarus
• Brazil
• Canada
• China
• France
• Hong Kong
• India
• Italy
• Malaysia
• Mexico
• Puerto Rico
• Russia
• Singapore
• South Korea
• South Africa
• Spain
• Sweden
• Switzerland
• Taiwan
• Thailand
• United Arab Emirates
• United States
• Vietnam