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How to use Samsung Pay

Samsung Pay lets you pay with your phone. Here’s how to set up and use Samsung Pay in Canada.

The Samsung Pay app lets you make secure, quick and easy payments in-store and online using just your smartphone — no debit or credit card required. Plus, unlike Google Pay and Apple Pay, Samsung Pay is available even where contactless payments aren’t.

Keep reading for step-by-step instructions on how to set up and use Samsung Pay in Canada.

What is Samsung Pay?

Samsung Pay is an app that lets you make payments inside stores and online with your Samsung phone, instead of using your physical debit or credit card. The app securely stores digital copies of your cards, allowing you to hit the shops without your physical wallet and without carrying cash.

How does Samsung Pay work?

Samsung Pay uses near field communication (NFC) technology. This enables your Samsung smartphone or smartwatch to communicate with a payment terminal when used to tap and pay, and it is similar to how a traditional debit card chip operates. The debit card details are securely transferred to the card reader using NFC, allowing the transaction to take place without the need to swipe a physical debit card.

Both Google Pay and Apple Pay also rely on NFC technology.

Older Samsung devices are also equipped with magnetic secure transmission (MST) technology, which is the technology used when you swipe your card. This means that you can use Samsung Pay even at card readers that aren’t equipped for contactless payments. However, MST support has been discontinued for newer smartphones, beginning with the Galaxy S21.

Where can you use Samsung Pay?

Samsung Pay is accepted at millions of locations worldwide in almost all stores that already accept payments with traditional debit and credit cards. It’s also accepted online and in apps anywhere you see the Samsung Pay logo.

Compatible devices

Samsung Pay is compatible with the following devices:

  • Galaxy Fold3 5G
  • Galaxy Flip3 5G
  • Galaxy Z Flip 5G
  • Galaxy Z Flip
  • Galaxy Z Fold2 5G
  • Galaxy Fold
  • Galaxy S21 Series 5G
  • Galaxy S20 FE 5G
  • Galaxy S20 Series 5G
  • Galaxy S10 Series
  • Galaxy S9 & S9+
  • Galaxy S8 & S8+
  • Galaxy S7 & S7 edge
  • Galaxy S6, S6 edge & S6 edge+
  • Galaxy Note20 Series 5G
  • Galaxy Note10 & Note10+
  • Galaxy Note9
  • Galaxy Note8
  • Galaxy Note5
  • Galaxy A32 5G & A52 5G
  • Galaxy A71 & A51
  • Galaxy A20, A50 & A70
  • Galaxy A50
  • Galaxy A8
  • Galaxy A5
  • Galaxy Watch4
  • Galaxy Watch4 Classic
  • Galaxy Watch3
  • Galaxy Watch Active2
  • Galaxy Watch Active
  • Galaxy Watch
  • Gear S3 Frontier & Classic
  • Gear Sport

Supported banks and credit unions

Click below to see a list of the banks and credit unions that support Samsung Pay in Canada.

How to set up Samsung Pay on your smartphone

Set up Samsung Pay in a few easy steps and start making contactless payments right away.

  1. Ensure you have an eligible device and debit card, credit card or loyalty card. Check you have an eligible Samsung device from the list above, and that your bank supports Samsung Pay.
  2. Download the app. Your device may already have the Samsung Pay app installed. If not, download it for free from the Google Play store — the Samsung Pay app is now part of Samsung Wallet.
  3. Complete the setup process. Sign into the app and add your Samsung account details. Select which verification you’d like from either fingerprint login, iris scan or PIN.
  4. Add your cards. You can now add your credit, debit and loyalty card details and start using the app.

How to set up Samsung Pay on your smartwatch

To get started, you’ll need the Galaxy Wearable app on your smartphone. Here’s what you need to do.

  1. Download the app. If you haven’t already, download the Galaxy Wearable app on your smartphone and connect it to your smartwatch.
  2. Install the Samsung Pay plug-in. Tap “Watch settings”, “Apps”, “App settings” and then “Samsung Pay”. Tap “Install” to install the Samsung Play plug-in.
  3. Add your cards. Tap “Samsung Pay” again and follow the prompts to complete the setup process. You can then tap “Add card” to connect a debit or credit card to your account.
  4. Set a security lock. You will also need to set a security lock on your watch by tapping “Set lock” and following the on-screen instructions.

How do I use Samsung Pay in Canada?

To use Samsung Pay to make a payment in-store, you need to unlock your phone by using your fingerprint, PIN or iris (eye) scan. This will ensure it’s you making the payment. Then, simply hold the smartphone over the card reader as you would when using your debit card for a tap-and-go payment.

If you’re making a purchase within an app, for example a food delivery app, just select the Samsung Pay option when checking out to avoid manually entering your card details.

To pay using your Samsung smartwatch, hold the back key and enter your PIN or pattern when prompted to do so. Swipe left or right to switch cards and tap the card you want to use. Then hold your watch over the card reader to pay. You’ll feel a buzz or slight vibration on the watch when the payment has been approved, which only takes a couple of seconds.

Is Samsung Pay safe?

When using Samsung Pay to make payments with your phone, you’re still covered by the same fraud and security protections that your bank normally offers. The app doesn’t store your payment information, nor does it share your bank account details with merchants when you make a payment. When you make a purchase, the app generates a random unique number for the transaction instead of your real card number.

If you happen to lose your phone and someone finds it, they won’t be able to use it to make purchases. This is because every transaction made using Samsung Pay requires you to enter a PIN code or use your fingerprint or iris scan to verify it’s actually you first. Plus, if you lose your phone, you can also delete the details in your Samsung Pay account remotely.

Pros and cons of using Samsung Pay

Pros

  • Shop how you want. You can use Samsung Pay to make purchases in-store, within apps and online.
  • Safe payment method. Samsung Pay is a safe and secure way to pay, and your card details aren’t shared with merchants.
  • No need to carry your wallet. You don’t have to bring cash or your debit card when you’re out and about.
  • Supported devices. This payment method is supported by a range of Samsung smartwatches as well as phones.

Cons

  • Samsung only. You need an eligible Samsung device to use Samsung Pay, so it’s more limiting than Google Pay which works on a large range of Android devices.
  • Not supported by all banks. Not all banks offer Samsung Pay yet, and major banks like BMO and National Bank do not support it.

Samsung Pay vs Google Pay and Apple Pay

While Samsung Pay is for Samsung devices, Apple Pay is the contactless payment app for Apple devices. Apple Pay can be used on a range of eligible iPhones as well as compatible Apple Watches. Apple Pay is just as secure, and it requires users to either enter a PIN or use their face scan or fingerprint to verify a payment.

Google Pay is the digital wallet solution developed by Google and is the consolidation of Android Pay and Google Wallet. Google Pay is somewhat less limiting than both Apple Pay and Samsung Pay, as it’s supported by a large range of Android devices and is also available on iPhone.

Mobile payment apps

Bottom line

Samsung Pay is best for those who have a Samsung device and would like an alternative option to making online and in-store purchases without having to directly share debit or credit card details.

But it’s not available across all banks.

Check out our guide on how to compare virtual debit cards to learn more about finding the right digital payment solution for you.

Frequently asked questions

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