Using your phone is not anymore convenient than using yours debit card. In fact I found it more of a process to take phone out, unlock, open app, add pin, then spend 20-45 seconds finding the sweet spot, then finally entering in your debit pin and wait for approval. And still it may fail sometimes and you would repeat while getting all sweaty while people behind you are watching to see what the big deal is and why are you taking so darn long attempting this gimmick 3 times while the clerk is resetting the machine for you with each failed attempt. Lol. THIS IS TRUE STORY.
It wasn't till I started using it with my watch gear s3 that made it more convenient than cash or card.
Again samsung isn't giving people anything they cant do without samsung pay.