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Samsung pay won't open on my phone. Detailed instructions for using Samsung Pay

Paying for purchases using smartphones has become much easier over the past couple of years. Using your phone and Samsung Pay payment service is one of the most convenient and fastest ways. Setting up this app on your Galaxy S8 is pretty easy and shouldn't take more than a few minutes of your time. How to do this, read more below.

Set up Samsung Pay on Galaxy S8

Samsung Pay allows you to pay for purchases by simply bringing your smartphone to a special terminal. This means you don't have to fiddle with your wallet, credit cards, or cash because your phone does the transaction for you.

To get started with Samsung Pay, the first thing you need to do is download the app. Once you open it, you will need to agree to the terms of service and privacy notice. Then you need to set the method by which you will confirm the payment: a fingerprint scanner, a password (PIN code) or a scanner of your eye shell. The easiest way is to choose a scanner, as you can confirm the payment with one touch without lifting your phone from the payment terminal.

Depending on the bank you use, you may need to make a phone call (or SMS) after setting up Samsung Pay for the first time. This is necessary to verify your credit card information and ensure that no personal data is leaked of any kind. The smartphone will prompt you to set Samsung Pay as the main payment method, you can confirm or refuse.

Step-by-step instruction

Open the Samsung Pay app
Agree to privacy terms
Click "Next"
Choose a payment confirmation method
Click "Next"
Click "Add" and enter your card details

That's all, as you can see, the setting Samsung Pay quite simple and fast. Agree, this payment method is much easier than traditional wallets, cards and cash. How do you pay in stores, use Android Pay or some other payment system? Tell in the comments!

Today, cash is gradually becoming obsolete and most purchases are made using plastic cards. Everyone has cards, they charge salaries, scholarships, pensions, and so on. Each outlet must have at least one terminal for paying with a plastic card. Bank cards have become an integral part of our lives and the destruction of cash is only a matter of time.

The next step in the development of technology is contactless payment. Many cards already support this technology and allow you to make purchases by simply swiping the card to the terminal. This technology has catalyzed the emergence of specialized chips and payment systems in devices that we literally do not let go of our hands - in our smartphones.

In 2016, the Samsung Pay service was launched in Russia, which allows owners of phones from the Samsung Galaxy series to make payments from bank cards without using bank cards themselves. The article will discuss how Samsung Pay works, how secure it is, and what difficulties users will have to face. Let's compare the technology with the solutions of competitors.

System requirements

The first thing to do is find out which devices Samsung Pay works on. This technology requires not only software innovations, but also hardware ones, so you need to make sure that your smartphone supports this technology or not.

So, the Samsung Pay payment system works with the following gadgets:

Samsung Galaxy S8;
Samsung Galaxy S6 (limited);
Samsung Galaxy Note 5
Samsung Galaxy A7
(2017);
Samsung Gear S3.

These are Samsung devices that are equipped with NFC or MST chips and support modern software.

Unlike Apple or Google products, Samsung Pay seems to be quite limited because the number of supported devices is much lower. In the case of Apple, we get support for all smartphones released since 2014 (since 2013, if connected, and in the case of Google, any gadgets on which you can install the official Android version 4.4 are supported, and there are hundreds of thousands of them in the world.

As in the case of other payment systems, the launch of the payment system was accompanied by a number of restrictions. So, for example, Sberbank concluded an agreement with Apple on an exclusive launch, and for this reason, Samsung lost the opportunity to connect this bank before the contract expires. Now the situation has stabilized and almost all popular banks work with all payment systems.

So, the banks that work with Samsung Pay are as follows:

Sberbank.
BinBank.
GAZPROMBANK.
"Opening" (Rocketbank).
"Russian standard".
Tinkoff.
and electronic wallet "Yandex.Money".

It is important to understand which cards Samsung Pay works with. To connect to the payment system, you need a card that supports PayPass or PayWave technology. In the case of Visa cards, there are restrictions on the number of banks that work with Samsung Pay. The restrictions can be found on the official website of the company.

How to connect?

To start using Samsung Pay, you need to make sure that your gadget supports the payment system and download the application of the same name. When you enter the app, it will ask you to set a password (or fingerprint) for your screen lock. In the future, the pin code or fingerprint will be used to confirm transactions. Then you need to attach the card itself. This can be done in two ways: manually, by entering all the data, or automatically, by pointing the camera at it. The second option works well, but you still have to enter the CVV code yourself. If the card suits the application, then immediately after this procedure, a check from the bank will follow. You will receive an SMS with a code to activate the payment system; without it, you will not be able to make further payments. The last step is to add an electronic signature. It is very rarely needed, but when you need it, the cards may not be around, and that's when the digital signature will help you out.

Is it safe to use Samsung Pay?

The issue of security worries users in the first place. New technologies always inspire fear, especially when it comes to money. Even bank cards themselves were accepted with difficulty. Regarding security, things are as follows. In a nutshell, Samsung Pay is the safest payment method, much safer than conventional cards. In more detail, smartphones use a special tokenization system. When the user tries to make a payment, the phone does not use the data from the card, but creates a digital copy of it, each time unique, and shares it with the terminal. The terminal, on the other hand, contacts the bank and informs about the successful payment (unless, of course, you have run out of money). Data about tokens is stored in the gadget itself, so you can pay for something even without the Internet.

Do not forget that each purchase must be confirmed, and for this the user must enter a pin code or put his finger on the fingerprint sensor. Even if an attacker with a portable terminal sneaks up on you unnoticed, he will not be able to steal a penny from you, as he will not be able to confirm the payment.

But what about viruses and hacking of the operating system, Android is far from the security of iOS? In fact, everything is not so bad. Samsung has implemented its own protection mechanism in the system, which continuously scans the system for malware and vulnerabilities, and if a virus does get into it, the Samsung Pay service will be blocked and payment data will be erased.

How does Samsung Pay work?

Let's move on to payment. Samsung Pay works just like a regular bank card. And like any card, not just the one that supports NFC. The fact is that not all terminals in Russia support NFC. Many still work only with magnetic tape, so some phones cannot be used to pay. This applies to the iPhone and all Android devices except Samsung. When paying on older models of terminals, proprietary MST technology is used. The phone creates a magnetic field, similar to what is created using a magnetic bank card. The terminal responds to it and accepts payment. Therefore, the answer to the question "where does Samsung Pay work?" sounds like "everywhere".

Possible problems

Already at the start, when the technology began to be introduced to the masses, users faced a number of problems.

Take another look at which phones Samsung Pay works on. Users often ignore this simple task and run to complain on the forums that the technology does not work as advertised.
Make sure your phone has the latest operating system. You need to go into the settings and check the firmware version so that the phone downloads the latest updates.
Even if you have installed the latest version of the operating system, the software may not be adapted to work in your country. For example, Samsung Pay did not work with S7 until the necessary work was carried out on the manufacturer's side to launch the service. It might be worth waiting a bit. Do not forget that you must have the original firmware installed, without root rights. If you have hacked the system or bought a phone from your hands, contact the official service center, where you will be restored to the original firmware.
Do not forget that for any service from Samsung to work, you need a personal account, which the phone offers to create at the time of launch. If you haven't done so yet, go to settings and find the "Accounts" submenu there.
In the case of smartphones from the Galaxy S6 line, payment via MST does not work, so before paying, make sure that the terminal supports contactless payment (they usually have a corresponding wave icon).

Promotions and discounts

To attract users to the new technology, Samsung has agreed with a number of Russian brands to organize promotions. One of these was the action “Pay with your smartphone. Movie tickets". Under the terms of the promotion, anyone who bought a ticket in the Kinokhod service via Samsung Pay received a 100% discount on their next purchase. Now there is a 50% discount on the payment for a trip to the metro on the MCC line. In the US, Samsung launched an even larger and longer-term promotion. There, each purchase made using the company's payment service allows you to accumulate points, which can then be spent on other goods in the Samsung Rewards store. When this service will reach Russia is unknown.

First impressions and reviews

Many owners of gadgets from Samsung really liked the idea of combining a wallet and a smartphone. After all, it's so simple! A smartphone is much more convenient and useful than cash or a card, and most importantly, it is always with us. Early reviews of how Samsung Pay works are encouraging. It is almost a year since people use the payment system and generally react positively to a new (already familiar to some) experience. The system works in all major shopping centers, using the phone to pay for fast food and trips to the subway without any problems. Many have already forgotten where their bank card is, because it is no longer needed. Sellers and cashiers do not always adequately respond to technology. The briefing was held in all major networks, but somewhere in the covered market you may encounter puzzled looks or even fear, so be vigilant.

Instead of a conclusion

Samsung Pay has a lot of advantages over regular bank cards. This is, of course, a very successful technology, which will become more in demand over time. A wallet in a smartphone is exactly what a modern person needs to make it even easier to part with their hard-earned money. It's convenient, secure, and super fast, and once you've tried it, you'll want to try again and again because now you know how Samsung Pay works and you can do it. Nevertheless, do not forget to carry a card with you at first and some cash in reserve, because situations are different.

Works with terminals without an NFC chip.
Various payment protection options.
Discounts and promotions.

Doesn't work on jailbroken devices.
A limited number of smartphones that work with the payment system.

It often happens that people go out without cash and credit cards, but they almost always take their mobile devices with them. Maybe this is correct. Indeed, in the near future, phones can almost completely replace plastic. Thanks to the emergence of various mobile payment services, people will be able to pay for their purchases, having only a smartphone with them, inside which card data is stored. One service that can give a good boost to this is Samsung Pay.

Briefly about what Samsung Pay is and how it works

Samsung Pay is a mobile payment system of a Korean company. Its main feature is the ability to make payments through terminals equipped to interact with magnetic tape cards that are familiar to many. To do this, in modern Samsung smartphones that support working with the service, MST technology is implemented. With its help, the phone generates an alternating current, thereby creating a field that can change dynamically. It operates approximately at a distance of 8 centimeters from the reader. At the same time, the terminal is sure that the payment is made with a conventional magnetic card, so there is no need to re-equip it. Of course, in addition to MST, Samsung Pay supports contactless payment using technology, which, unfortunately, is still not widespread enough.

How Samsung Pay works

The owner of a Samsung smartphone with service support adds credit card data to the application, which subsequently enters Samsung Knox and remains there in encrypted form. Before making a payment, he selects the desired card, gains access to it by providing his fingerprint or entering a PIN code, brings the device to the terminal and waits for the transaction to complete. During payment, the smartphone transmits to the device for payment not card data, but a 16-digit code called a token, so attackers will not be able to intercept them during the “communication” of the mobile device and the terminal. If they manage to get hold of the token, then they are unlikely to be able to do anything with it, since the system will immediately block it when reused.

What devices and phones does the system work on

You can now pay with Samsung Pay on one of the following Samsung Galaxy models: S7, S7 Edge, A3(2017), A5(2016/2017), A7(2016/2017), Note 5, S6 Edge+, S6 Edge and S6 . Interestingly, on the last two devices, payment is made only using NFC technology. Versions of Samsung Galaxy A3 and A5 2015, as well as S5 and Note 4, the service is not available. In addition to smartphones, you can use Samsung Gear S2 and S3 smart watches to make payments. Please note that Samsung Pay only works on mobile devices with official firmware that has not been rooted or modified.

Does it work on other devices (non-Samsung)

Samsung provides full access to the payment system only to owners of their smartphones. Owners of mobile devices from other manufacturers cannot use it. At least for the reason that their firmware lacks Samsung Knox technology, which stores all credit card data in encrypted form.

How to install, configure and use

If you can't find Samsung Pay among the preinstalled apps on your device, you'll need to install a special firmware update that adds support for the service. You can download it through the "Update phone" section, located in the system settings. After deploying the update, make sure that the application has an up-to-date version. You can download it from the Google Play Store.

Set up Samsung Pay

The credit card data resides within the smartphone itself and is not transferred further to Samsung. The phone in this case is a kind of cast of a credit card. At the same time, he does not see the balance of the card and does not communicate with the bank's mobile application in any way.

Using Samsung Pay

Samsung does not charge any fees for using Samsung Pay. Another interesting fact is that an Internet connection is not required at the time of payment. Authorization takes place using a smartphone. It turns out that in this way it is possible to make payments abroad, while in roaming, and even when there is no SIM card in the smartphone.

Samsung Pay Sberbank is a payment service that will help users save time and money. It is enough to activate this service, and you no longer have to carry a bank card with you, or withdraw money from an ATM, losing funds on commissions. Initially, the application was developed for the MasterCard payment system, but at the end of 2016 Visa support was received - using a smartphone, you can now not only transfer funds and control your finances, but also make purchases.

Page content

How Samsung Pay works

Samsung Pay Sberbank is a universal solution that allows you to pay without any restrictions on any terminals, support for contactless payment is not required. This is one of the main advantages of this technology - the creators of the service took care not only of using NFC, but also implemented MST, which is Samsung's own development. The principle of operation is based on the fact that the smartphone creates its own magnetic field identical to the magnetic stripe signal.

Therefore, even if the store employees have not heard about this opportunity, the buyer can use the application - and the payment will be made.

Benefits of using Samsung Pay Sberbank

This system is provided absolutely free of charge, and any owner of a smartphone that supports the technology will be able to use it. You don't even need access to the Internet - the payment is made offline.

There are other advantages to using this technology, including:

Simplicity - you just need to launch the application and bring the device to the payment terminal, after which the transaction will be successfully completed.
Security token is a secure authorization method that does not require entering a card number or other personal data.
Versatility - wherever you can pay, you can use SamsungPay, paying for the purchases made.
The owner of the smartphone controls the debiting of funds - an error when entering data can lead to the fact that an amount that many times exceeds the cost of a product or service will be withdrawn from the account. This situation is not possible when using the application, since the user immediately sees the data on the balance of money in the account.

Separately, it is worth noting the reliability of Samsung Pay (Samsung Pay) - a multi-level security system is used, so that even if the smartphone is lost or stolen, unauthorized people will not be able to access the accounts of the owner of the device.

Stealing money from a card is much easier than hacking a similar application designed for comfortable payment, which is another plus in favor of its connection.

How to connect Samsung Pay

Many users are worried about how to connect Samsung Pay Sberbank, but in fact this procedure is not difficult.

The owner of the device only needs to perform a few simple steps, after which they can use the service to make a payment. Main steps:

What is convenient, the service allows you to add up to 10 cards - both debit and credit. Thanks to this, you can pay at any payment terminals without carrying dozens of plastic rectangles with you - now Samsung Galaxy owners can do without a wallet.

How to use Samsung Pay Sberbank to make a payment

You just need to connect to Samsung Pay Sberbank technology in order to significantly simplify the payment procedure. It includes three main stages - identical to calculations using a bank payment card. Namely:

Start the service - for this purpose, you can click on the application icon, or you can draw a line from the bottom to the top of the screen without taking your hands off
Select a bank card - the user will have access to a list of available accounts indicating the available funds, which greatly simplifies the process of making a payment
Pass authorization - you need to enter the code, or put your finger so that the device can read the fingerprint
Attach a smartphone to the terminal - the money will be debited, and the check will confirm that the operation is complete.

According to feedback from users who actively use this technology, the entire procedure, from launching the application to completing the payment, takes less than one minute. This is no longer than finding a wallet, getting a card out of it and entering a pin code, and it is much more convenient and safer. All you need to do is connect the Samsung Pay service - further operations will be performed almost automatically.

Payment using Samsung Pay Sberbank: important nuances

Not all retail outlets took care to replace outdated terminals with new contactless models. But you don’t have to worry, the service will work - only the smartphone needs to be applied not to the screen, but to the magnetic stripe reader. It is easy to find it - it is located on the side, it is to it that the seller applies a plastic card to make a payment. You need to pay in this way only if the device does not have an NFC inscription, indicating the possibility of using contactless payment.

Differences between Apple Pay and Samsung technology

The service appeared earlier, ahead of the development of Samsung. But at the same time, the novelty for Android owners has not become a copy of its predecessor and has several fundamental differences. Among them:

In addition to Sberbank, the service was supported by Samsung and other financial institutions, including VTB 24, Alfa Bank, Russian Standard, Raiffeisenbank. But negotiations are still underway at this stage, so that soon customers and other banks will be able to fully appreciate the benefits of this technology.
The ability to pay at any terminals - you just need to connect Samsung Pay to be able to pay for purchases even on devices that do not accept contactless payments. This was made possible thanks to Samsung's own development - a feature not implemented in Apple Pay.
A wide range of devices - users can choose a device to their liking, not limited to a few options. In addition, such a development will cost an order of magnitude cheaper than buying Apple technology.

In Moscow, you can easily find Sberbank ATMs - even if you forget your bank card, you can withdraw the required amount without it. But in smaller cities, this becomes a real problem, which has now been successfully solved with the help of a one-stop service implemented by Samsung.

Question: How to install Samsung Pay on the phone?

Answer: to install the application, you just need to download it from the official store, run it and set the selected method of protection against strangers. Thanks to a multi-level security system, you can even give your smartphone to someone - no one except the owner will be able to access the accounts.

Q: What devices does Samsung Pay work on?

Answer: at the moment, the owners of the following devices have the opportunity to connect to this service:

Samsung Galaxy S7 (SM-G930F)
Samsung Galaxy S7 edge (SM-G935F)
Samsung Galaxy S6 edge+ (SM-G928F)
Samsung Galaxy Note5 (SM-N920C)
Samsung Galaxy A7 2016 (SM-A710F)
Samsung Galaxy A5 2016 (SM-A510F)
Samsung Galaxy A7 2017 (SM-A720F)
Samsung Galaxy A5 2017 (SM-A520F)
Samsung Galaxy A3 2017 (SM-A320F)

The application can also be used on S6 |S6 edge models, but payment will only be made using terminals that support contactless payment.

Step by step, Samsung copies almost every action of its main competitor - the American corporation Apple. As soon as Apple launches some new feature, the Koreans cleverly copy it and offer it to their fans. The same happened in the case of the payment system. Samsung Pay is a direct analogue of Apple Pay, with minor changes that, by the way, Russian users may like. So, let's figure it out. What is Samsung Pay? How to use Samsung Pay in Russia? And is it safe?

System requirements

Before running to connect Samsung Pay, make sure that your smartphone is ready to work with this technology. To work with a digital payment system, a specialized chip is required, which not all Samsung gadgets are equipped with.

If you currently have one of the phones listed below in your hands, then you can safely connect Samsung Pay.

Samsung S8.
Samsung S7.
Samsung S6 (there are restrictions on working with terminals).
samsung note 5.
samsung gear.

Banks

So, if the phone is suitable for working with the new payment system, consider half the battle done, now you need to make sure that your bank is cooperating with Samsung Pay. To do this, you will have to familiarize yourself with the full list of banks and the conditions for their support on the official website of Samsung. Even if your bank is not there, it will most likely be there in the near future, as new banks and e-wallets are looking at the new payment system with great enthusiasm.

It is important to note that the list of supported banks is impressive, it has everything from the ultra-progressive Tinkoff Bank to the state old Sberbank.

How to use Samsung Pay: attaching a card

Since both the phone and the bank support the new technology, it's time to move on to its initial setup.

First, install protection on your phone. This can be a passcode or (they will be required to confirm each payment, so it is better to choose the second option).
Download the Samsung Pay app if you don't have it on your phone.
Click on the "Attach a card" button and scan it using your smartphone's camera. Then manually enter the remaining data (CVV, for example).
Pass the bank verification using the SMS code that it will send you (in some cases, you may need to call the bank or appear in person).
Further optional, but if you want, you can add an electronic signature, it will suddenly come in handy.

That's all, adding the card is over, you can safely move on to shopping. The setup took us about 5 minutes.

We pay for purchases

How to use Samsung Pay now after setting it up? The most interesting part begins - shopping. According to the principle of operation, the payment system is not much different from a regular bank card. We just take a smartphone, apply it to the terminal, put our finger on the fingerprint sensor and wait for confirmation. That's all. Payment completed. Many users are wondering how to use Samsung Pay on the subway. Everything is just as simple here. The main thing is to find a suitable terminal (they are usually located to the right of all the others).

Interestingly, Samsung phones can work not only with advanced NFC terminals, but also with outdated models that only work with magnetic tape. The company's own development allows creating a special magnetic field between the terminal and the phone, imitating classic bank cards. Works flawlessly. Terminals are easily deceived by such a trick and the payment is successful. This means that you can pay with your smartphone everywhere. Payment can be made using the latest smartwatch from Samsung. By the way, many people talk about commission for payments, but in fact there is no commission for users, Samsung takes it upon itself.

Payment Security

The emergence of new technology has greatly excited users and banks, because large sums can be at stake, and companies offering such services must protect banking customers. Fortunately, the Koreans also took care of this.

Your payments are protected on all fronts:

Firstly, during the transaction, your personal data remains in the phone and is not transmitted to the terminal. The terminal receives only a random set of numbers, which is enough for it to contact the bank and confirm the payment. This principle of operation is called tokenization.
Secondly, every purchase must be verified with your fingerprint, which cannot be faked and used elsewhere.
Thirdly, Samsung phones have active protection against viruses and unauthorized actions on the phone. This means that if the system suspects that it has been hacked, it will automatically delete all banking data, including card numbers, payment history, and so on.

Possible problems

Problems in the operation of the payment system are rare, but they still exist, and many users have encountered them.

The first problem is not updated software. Many smartphones run older versions of Android or hacked builds of it. Until you install the latest official firmware, the payment system will not work.
The second problem is that many phone owners do not have an account. Before you can use Samsung Pay on your smartphone, you need to create this account. To do this, open the phone settings and select the "Accounts" submenu. There you will be asked to go through a short registration, after which you will be able to use all the services of the company.
The third problem is a damaged NFC chip. Yes, it happens. Sometimes the smartphone's NFC module simply does not work properly, and therefore needs to be replaced. With such a problem, you need to contact the service center.

Impressions, reviews, discounts

Samsung has managed to create a big buzz among consumers. The novelty rushed to test all and sundry. Many even decided to try a new payment system only because the company organized an auction of unprecedented generosity and forced many companies to provide discounts to users of the payment system. Even the Moscow administration took a similar step. All summer, subway fares are half the price when you pay with Samsung Pay. And this is just the beginning.

In America, Samsung has already launched a new bonus system. Each purchase made using their proprietary payment system credits a kind of cashback to the user's virtual account, which can later be spent on various goods from the Samsung store. What exactly the company will sell is still unknown, but the Koreans have enough money to attract large partners.

Instead of a conclusion

What do we end up with? A simple and secure wallet right on your phone. So, IT companies have proven once again that they can change our lives. Every aspect of life. Now that you know how to use Samsung Pay properly, it's time to try the system in action.