Also to add, I ended buying a fully paid T-Mo Note 5 and put it on the T-Mo $30/month prepaid plan (the 5GB data 100 voice minutes plan). Samsung Pay works on T-Mo prepaid no problem. Even was able to score the free wireless charger on the last day of the promo (now I have a total of 8 wireless chargers: 2 older square Samsung Qi chargers, 3 newer round Samsung Qi chargers and 3 Nokia Qi chargers).
The kicker was the 100% success rate I've had using Samsung Pay. I loaded my AMEX Hilton HHonors Surpass card and went to town on purchasing using it.
Places I have used it:
Taco Bell San Ramon CA - CC scanner on cash next to screen
McDonalds San Ramon CA- (turned NFC off to test it) on slide scanner
Safeway San Ramon CA
Philz Coffee Palo Alto CA - Square register (screen that turns around with slider on it)
Little Caesar's Pizza Castro Valley CA- Verifone scanner that prints receipts as well.
When I used it at Taco Bell, Safeway, Philz Coffee and Little Caesar's, all the cashiers stated they don't take phone payments. I said, "Watch this it works." Then they say (paraphrased), "That feature is not avail.....whoa wow!, how did you do that!" I even had one cashier (Little Caesar's Pizza) ask, "Can my iPhone do that." I gave a chuckle and said, "Only Samsung Phones can do that."
I have to admit, after the S-Pen, this is THE KILLER feature of the S6/Edge/Plus and Note 5. Sure Samsung might have been late to the game with Samsung Pay, but as a lot of Apple fans who say Apple doesn't release a feature until it's done right, Samsung Pay was a feature that might have been late, but it was done RIGHT. Once they get more banks on board, it'll be even better because it'll take companies quite a while to upgrade to chip/NFC machines, especially mom and pop businesses.