Samsung Pay is a secure mobile payment service that allows you to make contactless purchases in-store or online using your Samsung devices, instead of pulling out your bulky wallet or physical cards every time you make a purchase.
Learn how Samsung Pay works, how to set it up and how it compares to other digital wallet solutions in this guide, plus see a comprehensive list of the Indian banks that currently support Samsung Pay.
Banks offering Samsung Pay compatible cards in India
Here are the banks in India that offer a Samsung Pay compatible card:
Note: Banks may restrict certain or all of their cards from making mobile payments, so do check directly with the bank if your card is compatible with Samsung Pay.
What is Samsung Pay?
Samsung Pay is a digital wallet that works with specific Samsung devices, allowing them to communicate with payment terminals at most retailers. Like your physical wallet, this Android app allows you to store up to 10 debit and credit cards, as well as other barcode-based loyalty and membership cards. You can also make payments using your UPI ID via the Samsung Pay app.
How does Samsung Pay work?
Simply put, Samsung Pay is a digital version of your existing wallet that stores all your card information securely. By downloading Samsung Pay, you can make purchases by tapping your phone or smartwatch (same as a debit card) or scanning the QR code on the terminal to make a contactless payment.
To get a bit more technical, Samsung Pay uses a new proprietary technology called the Magnetic Secure Transmission (MST) and Near Field Communication (NFC), which utilises a chip embedded within your smartphone to connect to a terminal in place of your debit card. This chip communicates to a merchant’s point-of-sale terminal within seconds and enables the payment to be processed in the same way a debit card works.
At the beginning of 2021, Samsung announced that future smartphones, starting from the Galaxy S21, will not support MST payments, thanks to the rapid adoption of NFC and QR code payments in India.
How to add a debit or credit card to Samsung Pay
You may add and manage up to 10 credit/debit cards on your device in just a few steps:
- Check compatibility. To set up Samsung Pay, you’ll first need to make sure you have an eligible phone, as well as an eligible debit card from a participating bank.
- Launch the app. Tap on the Samsung Pay app to begin.
- Navigate to Menu. Click on ‘Menu’ located in the top left corner.
- Add your credit/debit card. Tap on ‘Add card’ (blue card icon), followed by ‘Add credit/debit card.’ You can add your card details by either scanning your card using the phone’s camera, or entering the details manually. You’ll also need to agree to the card’s terms and conditions before proceeding.
- Verify your card. To verify your card, enter the OTP you received via your registered mobile number or email ID. Alternatively, you can also choose the ‘Call Bank’ option to verify your card.
- Add signature. Next you will be asked to enter your signature in the box provided. This will work as the signature for your digital card.
- Start using Samsung Pay. Once your card is verified, you’ll be able to make payments through Samsung Pay.
Can I use Samsung Pay if I travel abroad?
Samsung Pay works at any store or ATM where your physical card would be accepted. If your card issuer lets you use your physical card when travelling outside India, the digital card in Samsung Pay should work as well. Do note that the card issuer’s terms and conditions will still apply to all foreign purchases made using Samsung Pay.
Click the tab to see a full breakdown of countries and regions that support Samsung Pay.
How do I use Samsung Pay?
To pay for your purchases with Samsung Pay, you’ll be required to complete a three-step payment process, which typically only takes a couple of seconds in total:
- Launch Samsung Pay. Swipe up from the bottom of your screen to launch Samsung Pay.
- Authorise your transaction. Complete a simple transaction verification by using your fingerprint, face ID or PIN.
- Tap your device. Once verified, proceed with the payment by tapping or hovering your phone above the contactless terminal.
Is Samsung Pay safe?
Absolutely! When you add a card to Samsung Pay, rest assured that your card details are not actually stored directly on the device.
Instead, the app uses tokenisation to complete your transactions. This means that each time a purchase a made, your device sends two pieces of data to the payment terminal — a 16-digit token that represents the credit or debit card number, and a one-time code generated by your phone’s encryption key.
So in many ways, it’s actually safer compared to using your physical debit card to make purchases since you won’t risk misplacing your card or leave it visible for others to copy your card’s number.
How do I use Samsung Pay on my Samsung Galaxy Watch?
Currently, Samsung Pay is not supported on Samsung Galaxy Watches.
Compare debit cards with Samsung PayBack to top