I received Gear S3 as a gift that was purchased on Amazon. Loved it from the moment I paired with my Samsung phone. Samsung Pay was not an option so I called Samsung Pay tech support and after reviewing the model and some other info from the Gear it was determined that it was the "international" version and was not able to download and use Samsung Pay here in the States. It could be downloaded and used in the Korea through their banking system and the program would have to be loaded from that country as well.
Sheesh....Although Samsung Pay is just one of the many, many uses for this purchase, it is, without a doubt a major player in my decision to want this watch.
Luckily, the seller is willing to let us return the watch (they realize that they were advertising the ability to use Samsung Pay) and I will get the correct one.