A little clarification. Android Pay and Apple Pay are both using the same NFC system. Samsung Pay has MST but also has NFC so anywhere with the lil NFC symbol works with all 3. As far as which banks works with which programs, that's a different story. Most your 'too big to fail' banks will end up working with all of them. As far as the program, Apple runs on apple, Android Pay on all Androids, Samsung Pay on the latest Samsungs. Samsung Pay has worked great for me and MST works virtually everywhere.