Please help thinking of buying new note 5

[stsullivan]

Good morning I'm in the process possibly buying a new Note 5 unlocked I've never bought an unlock from before this is the one I'm thinking about buying I've heard that Samsung pay doesn't work on the unlocked versions but this is the info from the phone will this work on AT&T is there any advantages of buying an unlocked Note5 vs a carrier-branded Note 5 I really appreciate all the help.
samsung galaxy note 5 32gb unlocked gsm lte 1.5 ghz octa-core