I've used Samsung pay several times since getting my N8. Only once it did not work. I was at Lowes and it worked on my end but the register timed out when authorizing. I ended up using my regular card and it worked. It also acted funny when I used it at this boonies K-Mart. I had to hold my phone flat against the side of the magnetic reader instead of on top. The cashier was surprised it worked because he said that it had only worked for one person before. It has worked at two different Wal-Marts, Ingles, and a small mom and pop ice cream shop. I've been helping my mom move, so I haven't been able to use it too many times