Samsung Pay: Useful Tool or Cool Novelty?

[flintlock]

Sounds like a wild west gunfighter drawing and cocking his single action Colt in one motion. You were born in the wrong century.

 

[Notmyj]

Well.... the Springfield xd40 on my hip is the reason I still carry a wallet. It's a nice place for my drivers license, gun license and back up credit card.

 

[keri2000]

Definitely not a novelty. I started using apple pay as soon as it was available. It is so convenient. Now I just have to wait for my bank to support Android pay until I can use it again. It is more secure too. You would be surprised where it works. Many times the clerks don't even know it works.

Posted via the Android Central App

 

[Knowledge10111]

My only gripe with Samsung pay so far is Barclaycard has yet to support it. They also have yet to support Apple Pay in support of their own payment app which is silly in my opinion. They've recently realized this isn't working and promised support of Apply Pay soon so I'm hoping they also get on board with Samsung Pay. I have their grandfathered in SallieMae card which earns 5% back on Groceries, Gas, and Amazon which is absolutely amazing.

 

[dizzll]

For the people asking about the license thing. You are not required to give your license to an officer, only to show it to them. So a phone would be no different. You don't even have to roll your window down all the way legally. If the officer sites safety as a reason for removing you from the vehicle, he better be right or you can file a complaint and get paid...

 

[johnj2803]

I used Android Pay on my previous phone (Galaxy S3) and have now started using Samsung Pay on my Galaxy S7 edge. I really liked Android Pay but there were very few places which had the NFC capability working. Samsung Pay I've been able to use more places. Either of these is my preferred payment method due to the card security offered. I had my credit card replaced four times in two years due to security breaches at retailers. Avoiding this with a virtual card number is a big improvement. Of the two systems I actually prefer Android Pay a bit as I don't have to activate the app to use it, just unlock my phone. My goal now is to find a way to make both apps play well together so I can use Android Pay with NFC is available and Samsung Pay when there is no NFC but I can still use MST.

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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...

 

[Dm1120]

For the people asking about the license thing. You are not required to give your license to an officer, only to show it to them. So a phone would be no different. You don't even have to roll your window down all the way legally. If the officer sites safety as a reason for removing you from the vehicle, he better be right or you can file a complaint and get paid...

Good luck constitutional warrior. I guarantee you if a cop asks you for your license and you spout this nonsense they will make your life miserable in a situation where you might have otherwise drove away with a warning.

 

[src1425]

It's a big step in the right direction, but it can't completely replace my wallet, particularly at the grocery store (where I use a magnetic membership card during checkout, which currently don't seem to be supported by Samsung Pay), the gas station, and the DC Metro SmarTrip machines (which use the same type of MST readers as gas stations). Only real problem I've encountered is I froze the self-checkout terminal at Home Depot....

 

[Creek1]

I'm 55 and refuse to be one of those older people that still have to write a check or count change at the register because they won't use a debit card.

I've used it a few times in the past week. Is it the future? Remains to be seen.

I'm 69 and use it all the time.

 

[Bearcats98]

If you go to a restaurant, you most likely will need to have your CC with you. Waiter/waitress comes to your table with the tab, you have to give them your CC to pay. None of them are carrying portable devices so you can use your phone to pay.

I usually pay cash at restaurants. I personally hate people disappearing with my card for 10 minutes, and I also tip with cash.

Posted via the Android Central App

This is why I like traveling outside the US. The places I have been (even rural) have brought the CC reader to your TABLE. I really wish this idea would take flight in US.

I love the idea of Token ID's at the CC reader. However, how easy is it to harvest info off your phone in the event its stolen (thinking low due to FP) or if its hacked (no FP needed).

And what is the $200 Samsung is paying people?

 

[Jean Sagarese]

I don't think it will ever be a novelty. I use my Apple Pay everywhere just like I will use Samsung Pay when I can switch. I carry my phone into Starbucks or use my watch to pay. Having to hold my card in my hand in awkward but I can't get the cafeteria at work to make the switch so I stick the card in my pocket but if I am going to McDonalds I just use my phone place the order and back to work. Now it seems no matter where I go people are used to either system and I don't live in a large town

 

[edubb256]

For the people asking about the license thing. You are not required to give your license to an officer, only to show it to them. So a phone would be no different. You don't even have to roll your window down all the way legally. If the officer sites safety as a reason for removing you from the vehicle, he better be right or you can file a complaint and get paid...

This is bad legal advice. Police officers have broad authority to confirm a license isn't forged. There have cases where drivers have been arrested and convicted for obstruction for refusing to hand over a driver's license.

 

[Bearcats98]

This is bad legal advice. Police officers have broad authority to confirm a license isn't forged. There have cases where drivers have been arrested and convicted for obstruction for refusing to hand over a driver's license.

And like was said before its a quick way to upset a LEO and ensures you WILL walk away with a ticket versus being polite and being sent on your way. I would still keep my physical license on person JIC until it became mainstream. My guess is true license stuff would allow you to "beam" information to the cruiser.

 

[xxINFIDELxx]

It was pretty useful when I got to work this morning and realized I had left my debit card on my desk at home.

 

[Suntan]

It used to be that the most annoying thing to deal with while waiting in a checkout queue was to see the old lady two spots up take out her f'n check book.

Now that is equalled by seeing the young hipster pull out their phone to pay. Takes just as long once you add in cashier confusion.

 

[markbc]

{{RE: Suntan: It used to be that the most annoying thing to deal with while waiting in a checkout queue was to see the old lady two spots up take out her f'n check book. Now that is equalled by seeing the young hipster pull out their phone to pay. Takes just as long once you add in cashier confusion.}}

Actually, it's quick. ;-) ;-)
I am no young hipster, but I use Samsung Pay everywhere.
Only one time in about 100 or more uses has it not worked -I stopped at a Target store, and the register kept saying invalid card. Since I am not often in that store, it's ok. Every single other place I have shopped --from Whole Food to Macy's to US Post Office to Trader Joes and dozens of other stores all have worked quickly and smoothly. Even Starbucks and Pete's Coffee.

The places I normally shop, they don't care anymore -they just check and bag. In less frequented stores I have had a "we don't take apple pay" comment which is more common than you would expect. Some store clerks simply say "that doesn't work here" and wait as I let it work quickly and effectively. I hold the phone at the card reader groove and it works.

It may seem a long time to an impatient patron behind me, but to me it is just as fast. Especially since I have my phone ready -screen pin entered less one digit (S6 Active) and when the "you can swipe your card" moment arrives it works quickly and efficiently --virtually every time.

Oh, once when I was in line the SamPay app did not come up! (It's on both the start screen and on the lock screen, as a "pull-uo" card. Once, when I had a dozen or so apps open, it was sluggish coming up. I got the credit card picture but not the pin button. That time, I just put my phone back in my pocket and when my check out time arrived I used the card.

Oh, No one has ever asked to see an ID or anything else when I have used it.

 

[markbc]

That is great
I can't wait to use SamPay using a smart watch. I have the Gear S, which may not be possible. However, I will ultimately get the Gear S2 which can do that (or will be able to!). . .. ;-)

 

[markbc]

I'm 69 and use it all the time.

You two are bracketing me -age wise. . .and I use SamPay on my S6 Active all the time! ;-)

 

[GadgetGator]

I added a card to Samsung Pay. Haven't used it yet. I did have the iPhone 6 Plus and used Apple Pay a few times. With chip and pin becoming more widespread, I don't know if Samsung Pay or Apple Pay will every take off. Most people are afraid to put their CC on their phone, even though it is secure. They would rather hold the physical card in their hands. It's a novelty. I wouldn't be surprised in 5 years that neither Apple or Samsung will offer it.

Not a chance. We are in the very early days of things and this is the direction things are heading. Expect to see MORE of this in the future, not less. Everything starts out small or as a novelty. Music streaming was considered that not too many years ago, now tons of people use Spotify, All Access and Apple Music, etc. Once people understand this is a much more secure way to pay they will start using it. It just takes time for any new tech to be adopted.

 

[Vinman911]

As others have stated before, one can consider Samsung Pay a novelty but in reality it's a must. Having been on the end of fraudulent charges on both debit and credit card and replacement, one can't trust the retailers to secure their networks or environments of criminals intending to steal your information. I have experience in the retail software end where our customers are now focusing on network security, chip technology and P2P tokenization.

Samsung Pay allows your transaction to mask your real CC/Debit card number and issues a one time token for that particular transaction. The information from your transaction that resides on the retailers's computer system is useless to a thief.

Consider it a best practice utilization on your part. Granted there will be times when you can't avoid having to use your real card (CC machine behind counter that involves clerk interaction) but if you can cut down the number of transactions that involve your real card information, that may reduce the chances of it getting stolen and fraud.