Samsung pay or android pay

[bIOforger]

LOL... When did I say you weren't entitled to your opinion? "pal" really?
Never told you what to do either - just said you have the option to use APay or cash if you dislike SPay so much. Only a recommendation.

Saying the security of Samsung Pay is BS along with everything else you claim is wrong with it is literally the definition of "bashing" a product or service.

I was only giving my own opinion and replied to inform you and others of my experience - this is a forum... it's you that seems to be upset or have a problem from your reply. Sorry if my dry humor offends you and my preference upsets you... Honestly I apologize.

lol no worries your reply came over as a bit aggressive, hence my saltiness back, no need to apologise, plus i was in a filthy mood too I don't care about it really, it's just something to pass the time due to boredom.

Anyway lol how can my opinion be wrong? by definition it is an opinion hah, the extra security in Spay is overkill in my opinion, it's not necessary at all.

 

[bIOforger]

Well technically it is ( in certain circumstances ) the same number of steps. They're just performed in a different order.

Samsung Pay:
Step 1. Press power button
Step 2. Swipe up from lock screen
Step 3. Unlock phone using Biometric verification

Android Pay:
Step 1. Press power button
Step 2. Unlock phone using biometric verification
Step 3. Open Android Pay

Wrong! you don't need to do step #3 either and open Apay, you just tap the phone on the terminal, so that's what i'm going on about there's an extra step that Spay requires, but its ok to be wrong

And you don't need step #1 either depending on your setup. I unlock my phone from screen off with the fingerprint reader only.

 

[irock1985]

Wrong! you don't need to do step3 either and open Apay, you just tap the phone on the terminal, so that's what i'm going on about there's an extra step that Spay requires, but its ok to be wrong

Ah ok I mis read your earlier comment. I was under the impression that you had to open the app.

So how does that work if you use more than one payment app?

 

[11B1P]

The problem with Samsung Pay using MST is that most cashiers are gonna think you're nuts attempting to pay with your phone at a terminal without NFC.

Also, most terminals I come across, now have chip readers, and my cards all have chips. If you attempt to swipe your card through the stripe reader, the terminal will direct you to the chip reader.

So SP faking a card swipe at most terminals without NFC isn't going to work, if they're equipped with a chip reader.

I've had cashiers stand there and look at my wrist because I'm using my S3. I simply tell them to look at their screen, not my watch, and to press credit card on their screen. Never had one freak out and tell me I couldn't use it.

I use my Gear S3 with chip readers all the time, even at Wal-Mart. Having a terminal with a chip reader has no bearing on SPay, at least for me.

 

[11B1P]

Based on this thread I've been trying SP again. (I had tried it early on and found it finicky at chip reading cards but now it seems better and consistent.)

I'm trying to figure out how to refine payment into one fluid motion. As one person said above with AP all I had to do was unlock and tap.

Now I'm wondering if I have the wrong combination of options. I turn on/unlock phone, swipe up from home screen then use fps to unlock then flip phone over in my hands to tap the back to the NFC terminal. TBH this is not about the extra seconds of time... it's about being a bit fumbly and frankly risks a drop at a drive through for example.

Also sorry I want to be gunslinger cool and just draw my phone and put it back all in one motion.

Maybe if I try swiping up with the option from screen off?

I don't even attempt SP in the drive-thu.

 

[bIOforger]

Ah ok I mis read your earlier comment. I was under the impression that you had to open the app.

So how does that work if you use more than one payment app?

You can only use one or the other. So if you had apay current and try to use spay it asks you to switch spay to be the default. Similar to when you change the text app.

 

[11B1P]

This is exactly what i'm going on about, no you haven't got the wrong combination of options, that is just how it works in Spay.

Swiping from screen off makes no difference u still have to unlock again to make the payment. The swipe from off feature is a bit flakey too to be honest as in SPay doesn't always register the swipe motion.

i'm glad its not just me that finds its an inconvenience compared to Apay.

I'm using an S7 and if I swipe from the screen off, all I have to do is verify with my fingerprint and pay. Don't have to unlock my phone. Maybe this has changed with Oreo?

 

[KP8819]

lol no worries your reply came over as a bit aggressive, hence my saltiness back, no need to apologise, plus i was in a filthy mood too I don't care about it really, it's just something to pass the time due to boredom.

Anyway lol how can my opinion be wrong? by definition it is an opinion hah, the extra security in Spay is overkill in my opinion, it's not necessary at all.

Cool... We'll both be right then
I understand you thinking its overkill but I'd rather have too much security than not enough - better safe than sorry

 

[irock1985]

I'm using an S7 and if I swipe from the screen off, all I have to do is verify with my fingerprint and pay. Don't have to unlock my phone. Maybe this has changed with Oreo?

Well technically when you verify with your fingerprint you are actually unlocking the phone...

 

[11B1P]

Well technically when you verify with your fingerprint you are actually unlocking the phone...

Haha, yeah true. But there is no extra step of "unlocking", like swiping up the lock screen and going to your home screen

 

[bIOforger]

I'm using an S7 and if I swipe from the screen off, all I have to do is verify with my fingerprint and pay. Don't have to unlock my phone. Maybe this has changed with Oreo?

No that's the same, but with Apay you just unlock the phone and tap that's it, no swipe needed. So if you need to use another app to get points or discounts for example, it becomes a bit of a pain with Spay.

 

[bIOforger]

Well technically when you verify with your fingerprint you are actually unlocking the phone...

Well not really, coz if you press the home button after paying it takes you back to the lockscreen, i guess it unlocks and then relocks it? or is it actually unlocking in the 1st place? haha.

 

[11B1P]

No that's the same, but with Apay you just unlock the phone and tap that's it, no swipe needed. So if you need to use another app to get points for example, it becomes a bit of a pain with Spay.

I get ya. I think we're all talking the same stuff. No matter which payment you use, there is some sort of process to get into your phone to use the payment feature.

For me, SPay is better simply because it works everywhere, regardless of how many steps it takes to get there.

Heck on my S3, I have to press the button to activate SPay, then touch "Pay" on the screen, then hold my wrist over the terminal. We're talking a matter of a couple seconds.

You have to have some sort of protection (multiple steps) to keep your financial info secure. It wouldn't be wise to have a device that you could just pick up and scan at the checkout. There has to be some sort of biometrics involved, which will require a set amount of steps to go through.

 

[irock1985]

Well not really, coz if you press the home button after paying it takes you back to the lockscreen, i guess it unlocks and then relocks it? or is it actually unlocking in the 1st place? haha.

Hmmm.... I'm not sure under what circumstance it happens but I know I've unlocked using Samsung pay and then went into the phone but it doesn't do it right now.

So disregard my previous comment

 

[neo158]

Well technically it is ( in certain circumstances ) the same number of steps. They're just performed in a different order.

Samsung Pay:
Step 1. Press power button
Step 2. Swipe up from lock screen
Step 3. Unlock phone using Biometric verification

Android Pay:
Step 1. Press power button
Step 2. Unlock phone using biometric verification
Step 3. Open Android Pay

You don't NEED to do that with Google Pay, you just switch the screen on and tap no need to unlock and no need to open the app unless choosing a card that isn't the default.

 

[bIOforger]

There has to be some sort of biometrics involved, which will require a set amount of steps to go through.

ya unlocking your phone once only

 

[bIOforger]

You don't NEED to do that with Google Pay, you just switch the screen on and tap no need to unlock and no need to open the app unless choosing a card that isn't the default.

Um I'm pretty sure the phone has to be unlocked to pay with aPay mate.

 

[neo158]

I never understand the whole "Samsung Pay is superior" posts that have no qualification, many of you forget that Samsung Pay is only as functional as Google Pay in Europe so it's in no way superior but it's also nowhere near inferior to Google Pay, they both do the same thing which is allow you to pay for products via contactless methods. How it does it, the method by which it does it and how long each one takes is irrelevant.

 

[neo158]

Um I'm pretty sure the phone has to be unlocked to pay with aPay mate.

If the amount is over £30 then yes, you do need to unlock the phone as that is the additional authorisation. Again this probably highlights how the banks operate in America vs. Europe.

 

[Almeuit]

I never understand the whole "Samsung Pay is superior" posts that have no qualification, many of you forget that Samsung Pay is only as functional as Google Pay in Europe so it's in no way superior but it's also nowhere near inferior to Google Pay

And many on here have agreed on the subject that for Europe -- it is the same as Android/Google pay. Hence why most are talking about the US for the "superior" aspect of Samsung Pay. Not sure why you seem to keep missing that.