04-03-2016 06:49 PM
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tools
  1. recDNA's Avatar
    How do returns work?
    03-21-2016 06:43 PM
  2. Knowledge10111's Avatar
    How do returns work?
    Same way as if you swiped. You can use your samsung pay or swipe the card. Some retailers don't even need the card so it's automatically put back.
    03-21-2016 07:03 PM
  3. recDNA's Avatar
    Same way as if you swiped. You can use your samsung pay or swipe the card. Some retailers don't even need the card so it's automatically put back.
    Since samsung pay makes up a new card number for each transaction how can I use my card with its own different number for a return? If I don't know exactly how to do it with phone it benefits the seller not particularly anxious to help me get my money back. In fact I better be able to explain it to THEM.
    03-21-2016 07:06 PM
  4. erasat's Avatar
    Since samsung pay makes up a new card number for each transaction how can I use my card with its own different number for a return? If I don't know exactly how to do it with phone it benefits the seller not particularly anxious to help me get my money back. In fact I better be able to explain it to THEM.
    No, it's not a different card number each time, it's just a different token each time, it's a secondary verification internally used, your virtual card number is the same one since you register the card with your phone.
    03-21-2016 07:10 PM
  5. Knowledge10111's Avatar
    Since samsung pay makes up a new card number for each transaction how can I use my card with its own different number for a return? If I don't know exactly how to do it with phone it benefits the seller not particularly anxious to help me get my money back. In fact I better be able to explain it to THEM.
    It's still linked to the same account. For example, I have needed to return an item before on a credit card which had to be replaced due to fraud later on. The new card has a different number, but the retailer was still able to lookup my purchase in their computer (Kohls) using the new card because the accounts are linked. Same here, the temporary number is linked with your actual card number so it doesn't matter.
    recDNA and Notmyj like this.
    03-21-2016 07:11 PM
  6. recDNA's Avatar
    Thanks for the explanation. Sounds right. I hope it works. Unlike many here I only use my credit card for purchases over $100. I would never buy movie tickets or groceries or vitamins with a cc. So if I buy a new cell phone or computer or car with Sammy pay I need to know I can reliably, easily, and in a way retailer cannot say, "I don't know how to do this. It doesn't work for returns" return any big ticket item I need to.
    03-21-2016 07:16 PM
  7. StuffOfInterest's Avatar
    may i know why you prefer android pay over samsung pay? If I remember correctly Samsung pay can do NFC payments and MST (magnetic strip) payments. It is actually redundant to have android pay if you have Samsung pay...
    Just because some registers are NFC enabled doesn't mean they take both Android Pay and Samsung Pay. I've run into at least one case where I couldn't use MST because the card reader required chip use (if present). That same register did work with Android Pay via NFC. Also, Android Pay does better charge tracking at this point. It provides much more information about where the payment was made.

    I did find a way to make both pay systems play nice together. In the NFC settings I made Android Pay the default payment system but told it to use other systems if their app is open. As you had to open the Samsung Pay app anyway to use it this works fine. If I don't open any app and touch the phone to the NFC reader then Android Pay is used. If I open up the Samsung Pay (via the bottom swipe) and give it my fingerprint then I'm ready to go with Samsung Pay and MST.
    03-21-2016 07:18 PM
  8. Knowledge10111's Avatar
    Just because some registers are NFC enabled doesn't mean they take both Android Pay and Samsung Pay. I've run into at least one case where I couldn't use MST because the card reader required chip use (if present). That same register did work with Android Pay via NFC. Also, Android Pay does better charge tracking at this point. It provides much more information about where the payment was made.

    I did find a way to make both pay systems play nice together. In the NFC settings I made Android Pay the default payment system but told it to use other systems if their app is open. As you had to open the Samsung Pay app anyway to use it this works fine. If I don't open any app and touch the phone to the NFC reader then Android Pay is used. If I open up the Samsung Pay (via the bottom swipe) and give it my fingerprint then I'm ready to go with Samsung Pay and MST.
    I'm confused. Why would Samsung Pay default to MST if NFC is enabled at the register? My understanding is it utilizes NFC if its there and then defaults to MST if not. And any NFC register should work with Android Pay, Samsung Pay, and Apple Pay. They don't distinguish between the apps. If NFC is enabled it should work with Samsung Pay no matter what...I'm a bit confused here what the issue was/is?
    03-21-2016 07:24 PM
  9. flintlock's Avatar
    What about if you return something to the store. If I pay with a card you just use the receipt to return the funds to the card. If you generate a one time number how does their system know where to return the funds?

    Edit Others already answered this
    03-21-2016 07:36 PM
  10. Knowledge10111's Avatar
    What about if you return something to the store. If I pay with a card you just use the receipt to return the funds to the card. If you generate a one time number how does their system know where to return the funds?
    It is not a one time number. The number is a permanent virtual number that needs the phone to work. But you can still use your physical card to return it (you can use the phone too) because the numbers are linked
    03-21-2016 07:45 PM
  11. johnj2803's Avatar
    Just because some registers are NFC enabled doesn't mean they take both Android Pay and Samsung Pay. I've run into at least one case where I couldn't use MST because the card reader required chip use (if present). That same register did work with Android Pay via NFC. Also, Android Pay does better charge tracking at this point. It provides much more information about where the payment was made.

    I did find a way to make both pay systems play nice together. In the NFC settings I made Android Pay the default payment system but told it to use other systems if their app is open. As you had to open the Samsung Pay app anyway to use it this works fine. If I don't open any app and touch the phone to the NFC reader then Android Pay is used. If I open up the Samsung Pay (via the bottom swipe) and give it my fingerprint then I'm ready to go with Samsung Pay and MST.
    I'm confused with your answer as well. NFC payments are the same weather you call it android, Apple or Samsung pay.

    I have used android pay extensively as well before Samsung pay was available and the details on the charge you made using either systems are the same. Both of them say it's from Android or Samsung pay then tells you the merchant where it came from.

    Maybe I didn't understand quite clearly why you prefer android over Samsung pay...
    03-21-2016 07:49 PM
  12. cradrock77's Avatar
    I've been using Samsung Pay since I bought my phone in November. It works great. I use it almost everywhere. I've never seen a terminal where I could swipe a card where I couldn't use it. The only times I haven't been able to use it was gas station pumps and bank ATMs. Currently it is far superior to the NFC methods...but only because it will work at all existing "swipe" machines. NFC requires special hardware at retailers. If all retailers had NFC, then maybe NFC would be as good or better.
    03-21-2016 08:24 PM
  13. naturalguy#AC's Avatar
    I can't imagine NOT using it. I use it everywhere daily. Much more secure than swiping and super convenient and quick. The best part about using it is when the merchant doesn't think it will work and you surprise them
    03-21-2016 08:40 PM
  14. Ritchie Dioneda's Avatar
    The transaction behind the scenes is actually more secure than swiping. When you use Samsung Pay, each payment is unique to each transaction, and actually uses a different setup of numbers. Meaning, that if anyone wanted to reuse that number, they couldn't because it's tied to that transaction only and cannot be reused.

    I never hand my phone over to anyone, if I have to reach around the teller, it just tells me they are not ready to accept these type of payment methods.

    Samsung Pay to me is far superior than Apple Pay or Android Pay because it uses the magnetic strip in addition to the standard tap method. This feature is what allows it to be used in most tellers. So far I've been successful in all places that I've tried. And it s more convenient and is faster. Once the card reader interfaces with my phone, the transaction is almost instantaneous, no more waiting for the transaction with a normal credit card.

    My $0.02
    03-21-2016 10:30 PM
  15. mcl5000's Avatar
    I use it sometimes. I need to remember to use it more. It's most handy when you have a chip card and don't know if the terminal accepts the chip or not. Samsung Pay just works and you don't have to guess and fail how you have to swipe/put in your card.

    I've used it probably 50 times total and never once have I had it "fail" or was confused about where to put my phone. It really just works perfectly every time. Now whether it's easier/more convenient for you, I can't really answer that...
    03-21-2016 11:00 PM
  16. Bekkenes's Avatar
    You are implying that it only works at a few places. When in reality it work anywhere you can swipe a card. Go back and see my post on the top of page 3. This isn't apple pay, NFC or Android pay. I have used it a dozen times this weekend all over the place, from the mom and pop beer shop to dunkin donuts, to the gas station, even at a local farm for a Easter bunny breakfast for the kids. Not one of these places accepts apple pay/nfc/android pay.
    Still doesnt matter.
    Its deactivated outside Amurrica.
    03-22-2016 04:37 AM
  17. StuffOfInterest's Avatar
    I'm confused with your answer as well. NFC payments are the same weather you call it android, Apple or Samsung pay.

    I have used android pay extensively as well before Samsung pay was available and the details on the charge you made using either systems are the same. Both of them say it's from Android or Samsung pay then tells you the merchant where it came from.

    Maybe I didn't understand quite clearly why you prefer android over Samsung pay...
    Looks like I had some confusion on NFC in Android Pay vs Samsung Pay. From what I'm finding anywhere that says it accepts Android Pay should work with Samsung Pay over NFC but my experience so far has not been quite that way.

    Here is where I have one big problem with Samsung Pay. I'm not sure if NFC is even active when I put the app in payment mode (it starts vibrating). I know that MST is working at that point but is the NFC part also active? I made one quick try to pay with NFC using Samsung Pay at a place where I had previously used Android Pay (Trader Joes) and it didn't take. Tried the MST mode then and it came back with an error on the terminal. Then tried to swipe my card and got the same error message. Turns out that since I had a chipped card the terminal required me to insert the card. It looks like through MST the card reported as a chip card and the terminal refused it.

    To put the earlier question to rest, there are two things I prefer in Android Pay over Samsung Pay. First, I don't have to launch the Android Pay app to use it. If the phone is unlocked it is ready to touch to the terminal and pay. Second, Android Pay does better tracking of payments made than Samsung Pay. In Android Pay you get the vendor's logo, address, phone, website information, and even a map while Samsung Pay just gives a simple list with the vendor name and the amount.
    03-22-2016 05:49 AM
  18. RockyMin's Avatar
    Well, I just tried to use Samsung Pay at a gas station store and it seemed to read it fine but got a card declined message. I then swiped the card I had registered and it worked fine. Has this happened to anyone else?
    03-22-2016 07:05 AM
  19. tstolz's Avatar
    Well, I just tried to use Samsung Pay at a gas station store and it seemed to read it fine but got a card declined message. I then swiped the card I had registered and it worked fine. Has this happened to anyone else?
    Happened to me yesterday at a coffee shop. The error message gave some strange reason about the characters used or something, after the transaction appeared to go through initially.
    03-22-2016 07:42 AM
  20. TheNexusMan's Avatar
    As someone who actually uses it, it is absolutely useful, absolutely NOT novelty and absolutely easy and not as hard and involved as you make it sound. I've used it basically every day since the Gs7's release, and unlike every other mobile payment solution I've ever used, it has actually worked EVERY SINGLE TIME with no problems. Usually, when in line, I have my phone out already, so there is no extra step of "taking out my phone," the extra steps would actually be to take out my wallet and pull out my credit card of choice. You don't have to find the app, open the app, or even turn your phone on. You just swipe up from the bottom and touch your finger to the home button while placing your phone to the magnetic strip reader or the nfc pad. If the retailer has a newer nfc terminal there's no "awkward" reaching as those are right there in front of you. If there is no nfc reader, in most of my cases, the mag strip reader has been easily in reach. If a business does not have it easily in reach, then just don't use it there. Likewise, if it's a place where you have to tell the cashier the type of card or press any additional buttons, you also have the option of not using it there if you so chose. No big deal. I absolutely LOVE Samsung Pay, for it's ease of use, security, and reliability...and the fact that it's everything I wanted Google Wallet and Android Pay to be...but never was. And not only do I love it, but everytime I use it, the cashiers are equally impressed and excited about it, my phone, and my case...just like in the Samsung commercials. Finally, for example, I can go the gym and leave my wallet at home, and have peace of mind that should I need to buy something on the way home, I can truly be prepared because I can still pay for things at places where NFC readers are not installed.
    03-22-2016 07:45 AM
  21. TheNexusMan's Avatar
    Quote Originally Posted by StuffOfInterest View Post

    "Just because some registers are NFC enabled doesn't mean they take both Android Pay and Samsung Pay. I've run into at least one case where I couldn't use MST because the card reader required chip use (if present). That same register did work with Android Pay via NFC. Also, Android Pay does better charge tracking at this point. It provides much more information about where the payment was made.

    I did find a way to make both pay systems play nice together. In the NFC settings I made Android Pay the default payment system but told it to use other systems if their app is open. As you had to open the Samsung Pay app anyway to use it this works fine. If I don't open any app and touch the phone to the NFC reader then Android Pay is used. If I open up the Samsung Pay (via the bottom swipe) and give it my fingerprint then I'm ready to go with Samsung Pay and MST."



    This is incorrect. Samsung Pay works with NFC too. When I've gone to a register that requires a chip for the card, I just held the phone over the nfc portion instead, and it worked perfectly.
    03-22-2016 07:55 AM
  22. TheNexusMan's Avatar
    I'm confused. Why would Samsung Pay default to MST if NFC is enabled at the register? My understanding is it utilizes NFC if its there and then defaults to MST if not. And any NFC register should work with Android Pay, Samsung Pay, and Apple Pay. They don't distinguish between the apps. If NFC is enabled it should work with Samsung Pay no matter what...I'm a bit confused here what the issue was/is?
    You're absolutely correct. I've had ZERO problems using Samsung Pay at either mag stripp readers or nfc readers.
    03-22-2016 07:58 AM
  23. TheNexusMan's Avatar
    Still doesnt matter.
    Its deactivated outside Amurrica.
    Matters to us. We're in America.
    wlonsdale likes this.
    03-22-2016 08:01 AM
  24. recDNA's Avatar
    I can't imagine NOT using it. I use it everywhere daily. Much more secure than swiping and super convenient and quick. The best part about using it is when the merchant doesn't think it will work and you surprise them
    If the card number created by phone is linked to actual card for returns then why isn't that virtual number just as easily used for fraud as the card number? What about hackers? Can they intercept signal?
    03-22-2016 08:59 AM
  25. Almeuit's Avatar
    I used it today at Walmart within the self-checkout lane. It was super easy to do . I see myself using this a lot more versus breaking out my wallet.
    TechGod2014 likes this.
    03-22-2016 09:35 AM
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