Samsung pay card verification. How to use Samsung Pay with any Android smartphone. What banks work

Samsung Pay Sberbank is a payment service that will help users save time and money. All you need to do is activate this service, and you will no longer have to carry a bank card with you, or withdraw money from an ATM, losing money on fees. The application was initially 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.

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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 introduced MST, which is Samsung’s own development. The operating principle is based on the fact that the smartphone creates its own magnetic field identical to the magnetic stripe signal.

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

Advantages of using Samsung Pay Sberbank

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

There are other advantages in favor of connecting 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 to pay for your purchases.
• The owner of the smartphone controls the debiting of funds - an error when entering data can lead to an amount being withdrawn from the account that is many times the cost of the product or service. A similar situation is impossible when using the application, since the user immediately sees information about 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 device owner.

Stealing money from a card is much easier than hacking a similar application created for convenient payment, which is another advantage in favor of its connection.

How to connect Samsung Pay

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

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

Conveniently, 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 payments

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

• Launch the service - for this purpose, you can click on the application icon, or draw a line from the bottom to the top of the screen without lifting your hand
• Select a bank card – the user will have access to a list of available accounts indicating available funds, which greatly simplifies the payment process
• Go through authorization - you need to enter a code or place your finger so that the device can read the fingerprint
• Apply your smartphone to the terminal - the money will be debited, and the receipt will confirm that the operation was completed.

According to reviews from users who actively use this technology, the entire procedure, from launching the application to completing the payment, takes less than one minute. It’s no longer than finding a wallet, taking out a card from it and entering a PIN code, and it’s 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 have bothered to replace outdated terminals with new contactless models. But you don’t have to worry, the service will work - only you need to touch the smartphone not to the screen, but to the magnetic stripe reader. It is easy to find - it is located on the side, and it is to it that the seller applies a plastic card to make a payment. You only need to pay in this way if there is no NFC sign on the device, indicating the possibility of using contactless payment.

Differences between Apple Pay and Samsung technology

The service appeared earlier, ahead of Samsung's development. But at the same time, the new product for Android owners is not 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 at this stage, negotiations are still underway, thanks to which clients of other banks will soon be able to fully appreciate the benefits of this technology.
• The ability to pay at any terminal - you just need to connect Samsung Pay to be able to pay for purchases even on devices that do not accept contactless payment. This was made possible thanks to Samsung's own development - the function is not implemented in Apple Pay.
• Wide range of devices - users can choose a device to their liking, not limited to several options. In addition, such development will cost an order of magnitude cheaper than purchasing Apple equipment.

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 the universal service implemented by Samsung.

Question: how to install Samsung Pay on your phone?

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

Question: What devices does Samsung Pay work on?

Answer: Currently, 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.

January 2019

The use of payment systems is a function that almost all phone manufacturers are trying to launch in their product line. And the Korean company Samsung is no exception. Its program is maximally adapted to the Russian user and is gaining popularity very quickly. How to use Samsung Pay, what are the capabilities of the application, what gadgets and cards support it?

What is Samsung Pay?

Quite recently, a modern specialized payment system was introduced on the territory of the Russian Federation, the main functional purpose of which is contactless payment from Samsung. In less than a year, the number of users was more than 1 million people. The specificity of the program is that you no longer need to carry plastic cards from banks that support Pay. Simply bring your mobile phone close to the terminal or other payment device, and the transaction will be completed. In fact, the device is now a reliable financial assistant and custodian of its owner’s funds. Let's figure out how to use the system and what devices this program is supported on.

How does Samsung Pay work?

The application accepted by the mobile payment service falls into the category of contactless banking transactions. Most users are wondering: is the Internet needed to make such transactions? The program works according to the following principle. First, a person makes a copy of his personal bank card in the application of his device and saves it in his gadget. The service offers its users several options for confirming the completion of banking transactions to move funds from the buyer’s card.

When you need to pay for any product or pay for a service, you just need to ensure contact between the phone and the device that reads the information from it. Samsung initially contains a magnetic wave emitter that transmits these flows at a distance. The terminal and payment card are adapted to operate on the same frequency, which is why the device sees information and reads it seamlessly at a contactless level. The transaction will take place according to the same algorithm as if the user’s plastic card was inserted into the terminal.

The main problem limiting the operation of the application is the lack of magnetic cards in some phone models - the system only supports smartphones of this configuration.

The advantage of Samsung Pay is the versatility of the service - it is supported by absolutely all terminals whose operation is regulated in the Russian Federation. Even if we are talking about an outdated version of the device, the unique experience of Korean specialists is used - it will ensure uninterrupted magnetic transmission of information. Devices compatible with the service form an artificial imitation of magnetic wave oscillations and create a field that is completely identical to the signal supplied by the magnetic stripe present on a plastic card.

But really, where the program is powerless is ATMs. They involve internal immersion of the card, and it is impossible to pay using the method discussed in the article.

What cards does Samsung Pay support?

In addition to the phones themselves, Russian banking organizations may also be a limitation to the operation of the system. Unfortunately, at the current time there are only a few participants in the program - mostly large companies with large authorized capital. Initially, the system only read MasterCard payment cards, but later support for Visa and MIR cards was added (support for MIR system cards for Samsung Pay is currently provided by Rosselkhozbank, Otkritie Bank, PJSC CB Center-Invest and Chelindbank).

Representatives of the Samsung company recommend that Russian users of smartphones with this platform check information about the list of cards on the manufacturer’s official website. There are often cases when a person already has such a card, but he does not know about its capabilities.

How to add a card to Samsung Pay?

To register a card in Samsung Pay, you will need to follow these steps sequentially, after first accessing the standard settings of the device:

1. Make sure your phone has protection or install it. A scanner-check or a password, which will be a code, will do. You need to remember it, since you will have to use the digital combination after each operation.
2. Download this application.
3. Confirm the “attach card” option, then scan it with your phone camera. Enter the rest of the information manually.
4. Pass the banking test via SMS message with a code attached.
5. The card has been added, it is now possible to pay Samsung Pay through any payment terminal.

Which banks work with Samsung Pay?

In 2018, the official list of Samsung Pay banks actively cooperating with the application included 49 organizations. Not all of them are purely banking structures - this list includes, for example, Yandex Money, Megafon, and the Euroset Kukuruza card.

The most popular banks in the Russian Federation that support Samsung Pay (both Visa and MasterCard are supported):

1. Sberbank
2. Rosselkhozbank
3. Tinkoff Bank
4. Gazprombank
5. Binbank
6. Home Credit Bank
7. RaiffeisenBank
8. Promsvyazbank
9. Bank opening

The above is an incomplete list - you can find all organizations supporting this payment service on the official Samsung website on the corresponding page.

Which phones support Samsung Pay?

What devices does Samsung Pay work on? Unfortunately, today not all owners of Samsung phones can download the program and make payments using this method. The option is available and works on the following Samsung devices:

1. Samsung Galaxy S9
2. Samsung Galaxy S9+
3. Samsung Galaxy S8
4. Samsung Galaxy S8+
5. Samsung Galaxy S7 Edge
6. Samsung Galaxy S7
7. Samsung Galaxy S6 Edge+
8. Samsung Galaxy S6
9. Samsung Galaxy S6 Edge
10. Samsung Galaxy Note 8
11. Samsung Galaxy Note 5
12. Samsung Galaxy A8
13. Samsung Galaxy A8+
14. Samsung Galaxy A7 2017
15. Samsung Galaxy A5 2017
16. Samsung Galaxy A3 2017
17. Samsung Galaxy A7 2016
18. Samsung Galaxy A5 2016
19. Samsung Galaxy J7 2017
20. Samsung Galaxy J5 2017
21. Samsung Gear S3 Classic
22. Samsung Gear Sport

Note! Before you try to connect Samsung Pay, check the specific version of the listed models - there may be devices that are not adapted for this application. The manufacturer, in turn, promises that in the very near future this list will expand and be replenished with new models.

The service developers warn that the platform is only compatible with the original factory firmware. All phones classified as “gray” in Russia, even if their model is included in the list of compatible versions, most likely will not be able to work correctly with Samsung Pay. The program is successfully downloaded to the device, but any attempt to complete a transaction will display a “connection error” message on the screen.

Payment security

Korean manufacturers, of course, took the reliability factor into account, protecting their users in several areas at once:

1. During the transaction, all personal information about the client is stored in the device - the Samsung Pay payment system does not transfer it to the terminal. He only sees numbers. Tokenization is one of the most reliable security mechanisms.
2. Any purchase made will be supported by a fingerprint or a special code. The first option completely eliminates the possibility of counterfeiting, so it is more preferable.
3. The program works on phones that initially have a high-quality antivirus program installed that blocks all illegal operations. If an attempt is made to hack the system, all personal data and bank card numbers will be deleted automatically.

Video on the topic

We tell, we explain on fingers.

Samsung Pay was launched in Russia at the end of September. And today I started supporting Visa cards. The competitor has finally matured, now the battle will be life and death.

We decided to find out if there is a difference between Samsung Pay and Samsung Pay. What devices are supported? And what goodies you can get for free using Samsung Pay in Russia.

Consider this post FAQ via Samsung Pay. Go. What are the differences?

1. Works on the best Samsung smartphones that are worth it

Today, the payment service of the South Korean company is supported by the following devices:

• Samsung Galaxy S7
• Samsung Galaxy S7 edge
• Samsung Galaxy A5 (2016)
• Samsung Galaxy A3 (2016)
• Samsung Galaxy Note5
• Samsung Galaxy S6 edge (NFC only)
• Samsung Galaxy S6 (NFC only)
• Samsung Galaxy S6 Edge+

For comparison:
The Apple payment system is supported by 8 gadgets: iPhone 6| 6 Plus, iPhone 6S and 6S Plus, iPhone 7| 7 Plus, Apple Watch (if you have any Apple smartphone starting with iPhone 5) and iPhone SE. In other words, the total number of compatible devices is comparable to the list of the American company.

2. Your card is already supported

Today, the Samsung Pay service is available for MasterCard and Visa cards. The following banks became partners:

– MasterCard cards:

• Alfa Bank
• Bank opening"
• Russian Standard Bank
• Bank "Saint-Petersburg"
• BIN-Bank
• VTB 24
• MTS-Bank
• Raiffeisenbank
• Rocketbank
• Sberbank
• Tinkoff Bank
• Dot
• Yandex money

– Visa cards:

• Alfa Bank
• MTS-Bank
• Raiffeisenbank

For comparison:
After its launch in Russia, Apple Pay worked exclusively for the first month only with MasterCard cards from Sberbank. Later, more people joined the system. Since mid-November, support for Visa cards from two banks has appeared: Alfa-Bank and Tinkoff. .

3. You can pay EVERYWHERE, Apple Pay can’t do that

The main feature of Samsung Pay is that the system works not only with terminals that support contactless payment (NFC technology).

Samsung uses its own technology – MST(from the English Magnetic Secure Transmission - magnetic secure transmission), allowing you to pay using a smartphone at almost any terminal that accepts bank cards.

The system can imitate the magnetic stripe of a card! Samsung smartphones that support MST technology create a magnetic field similar to the signal from the magnetic stripe of a bank card. The range of action is about 7–8 centimeters.

It was for this technology that Samsung acquired the company LoopPay, whose engineers implemented the idea of ​​MST.

For comparison:
Where Nikita was in his experiment with trying to pay for groceries using an iPhone #pshelvonmajor, Samsung Pay would do everything right. The payment system of the South Korean company gives the owner a sense of peace of mind; there is no need to peer at the payment terminal to see if there are “PayPass” and “PayWave” icons there. Samsung Pay works wherever bank cards are accepted.

MST is not supported by Samsung S6 edge| S6. However, this a very serious advantage over Apple Pay.

4. Payment is just as secure, if not safer.

The purchase is confirmed using a fingerprint. In other words, even if a smartphone is stolen, attackers will not be able to confirm payment without the fingerprint of the real owner of the device.

In addition, a three-level data protection system is used for security.

Firstly, "tokenization". Its essence is to replace the client’s real data (card number) with virtual ones. When activating a card for Samsung Pay, the real card number is replaced with a special digital random code. That is, when paying, personal information is not used, which means it remains protected.

Secondly, the built-in security system is called Samsung KNOX. Its purpose is to check the smartphone’s firmware before registering a new bank card and when using a payment service. If viruses are detected or Samsung firmware is modified, KNOX may block Samsung Pay.

If Root is detected on a smartphone, the payment system on the smartphone is completely blocked. Even resetting to original settings won't help. Harsh, but logical.

In addition, Samsung KNOX ensures that Samsung Pay data is protected regardless of the smartphone's operating system.

5. Set up is just as easy and supports everything

Samsung Pay settings are practically no different from those in the Apple product. You can enter card data manually or take a photo. Confirmation of a new card in the system occurs via SMS notification.

We opened the application, selected a card, and were identified using a fingerprint scanner. If necessary, enter the PIN code of the plastic card at the terminal. Profit!

The Samsung Pay service itself is provided at no additional cost.

6. And here, too, there are interesting offers for users

Using Samsung Pay you can take part in pleasant bonus promotions.

For example, in Moscow “Shokoladnitsa” there is a 50% discount on hot drinks, and “Kinokhod” offers free coupons for cinemas. Get cashback on your VTB24 card. In Samsung stores, using a branded payment service when paying, you can get a discount on branded accessories (15% on Gear Fit2, 15% on Gear VR, 30% on Level On Pro).

Eventually. Samsung Pay is more convenient than Apple Pay, period

Only with Samsung Pay can you pay for purchases EVERYWHERE in Russia. You don't need to look for contactless payment terminals. There is no need to arrange weekly tests, as Nikita did, and limit yourself in possibilities. The only exceptions are terminals that require inserting a card and do not support NFC, and an external magnetic stripe card reader is also not available.

Just bring the phone to the magnetic reader - and you're done. It couldn't be simpler. This is what payment from a smartphone should look like in 2016.

It's a shame Apple can't do that. But Samsung are handsome, and that’s the point. Learn, there in Cupertino!

How much does it cost?

No additional fees. Only the plastic card itself is paid (usual fees for issuance, servicing, loan interest, etc.) in accordance with the Client’s PU. There are no additional fees for the token, as well as operations on it. Even if there are 20 tokens.

I lost my card - what should I do?

Block the card in any usual way.

If the card is blocked through a branch, call center or Alfa-Click, all tokens will be blocked automatically.

If a card is blocked through Alfa-Mobile, only the card will be blocked, the tokens will continue to work. You can block or delete tokens separately from the card through Alfa-Mobile or through the SamsungPay application.

I lost my phone - what should I do?

Lock your smartphone using the Samsung Find My Mobile service. This will stop all payment card tokens added to Samsung Pay on the device.

If you have access to the Alfa-Bank application, block the tokens in it.

Otherwise, block your bank card through the call center, Alfa-Click or Bank branch - all tokens of this card will stop working automatically.

What can you do with tokens in Alfa Mobile?

• View all tokens issued for the card
• View token transactions in the statement (the word “SamsungPay” will be added to the comments to the transaction)
• Block/unblock tokens separately from the card itself (in the “Cards” menu)

What is the PIN code for the token?

If, when paying with a token, the cashier asks you to enter a PIN code at the terminal, you must enter the PIN code of your plastic card.

The virtual card does not have a PIN code, so you can pay with a token only where a PIN code is not required. By the way, you may not be asked for a PIN code even for purchases over 1000 rubles. - this is how the most advanced terminals can work.

What does "PIN" mean on your phone screen?

Where can I pay with Samsung devices?

You can pay wherever bank cards are accepted: using Samsung's own MST (Magnetic Secure Transmission) technology, Samsung devices create an alternating magnetic field to transmit data to the payment terminal in the format of a magnetic stripe of a payment card. Payment using Samsung Pay is not possible only on older terminal models where you need to physically insert a plastic card.

Also, using the Samsung Pay service, you can withdraw cash from ATMs and pay for purchases on websites and mobile applications.

What happens to the card if I delete the token?

Nothing. The plastic card will work as it did. Tokens can be deleted and recreated at any time. And it's free.

Why was I unable to create a token?

The most common reasons:

• Phone does not support SamsungPay
• The card parameters are incorrect (number, expiration date, CVC2 code)
• Card is blocked, or invalid, or inactive
• There is no valid phone number that you provided when contacting the bank
• Incorrect SMS code entered
• Unstable Internet connection
• Unsteady cellular signal
• The number of simultaneously created tokens has been exceeded (maximum 10 different tokens per phone, 20 tokens per card to different devices)

If the above steps do not help, contact Samsung technical support by phone. 8-800-555-55-55

The design of the card on the screen is different from the design of the plastic card

It's OK. This does not affect the ability to pay with a token.

The bonus card number is not visible on the screen on the card

That's how it should be. The phone does not save the photo of the card itself, so it does not remember or display the bonus number.

Where will the SMS arrive?

SMS will be sent to the phone number registered in the Bank’s systems (from any service)

Does Samsung Pay work with Samsung Gear S3 classic and Samsung Gear S3 frontier?

Will I receive bonuses on my card (Aeroflot, World of tanks, Russian Railways, etc.)

Yes, they will. When paying with Samsung Pay, all bonuses of the original card are preserved - except for M-Video cards connected to Samsung Pay in M-Video stores. This is a feature of a partner’s work. When paying with Samsung Pay in other stores, bonuses will be awarded, including when paying with a token for an M-Video card.
To pay for a purchase using M-Video bonus points, you need to present an M-Video plastic card or provide the phone number that you indicated when receiving the plastic card. If you notice that bonuses were accrued incorrectly or were not completed, please contact the bank.

A well-known electronics manufacturer has expanded its services and recently launched a service that makes payments easier. The domestic card Mir of Sberbank and Samsung pay will provide the opportunity to carry out transactions without the participation of plastic and save on transfers in self-service devices.

What is Samsung Pay?

Contactless technology has made plastic safer and more reliable. The microchip and the sent radio signal help to make a payment with one touch and leave no chance for fraudsters to read it.

There is no need to carry the card with you all the time. Instead, a smartphone with innovative technology is used. Initially there was cooperation with the MasterCard system, later Visa joined.

What cards does it work with?

The development of payment systems has led to the introduction of the Samsung Pay service in our country. You can easily connect debit cards from Visa and MasterCard, including:

• instant release of Momentum and Electron;
• youth standard and with individual design;
• classical category;
• premium Gold, Platinum, Infinitive, Signature;
• co-branded varieties Aeroflot and Podari Zhizn;
• exclusive Black Edition and Elite.

Participation in the lending program will allow you to use credit cards. Momentum, classic, premium and co-branding cards are included.

How to add a Sberbank World card to Samsung Pay?

Convenient functionality made it possible to connect the Russian World. This happens in several steps. Sberbank supports the system and promotes the distribution of plastic with characteristic symbols.

Connection nuances

The procedure is well established and does not cause any difficulties. The holder remains to adhere to a certain algorithm.

1. The required application is downloaded from the official Samsung store. Some smartphones have a corresponding icon in the menu.
2. After opening the application, an account is created. An email account is used and the terms and conditions of the program are familiarized with.
3. It is necessary to clarify the verification method; choose between a PIN code or a fingerprint. The first option will lead to the selection of a reliable combination.
4. Plastic is added and the required information is entered.
5. The terms and conditions of the two partners are accepted. Enter the received code from the SMS message for registration.
6. Sign with a stylus or use your own fingerprint.

Step-by-step user instructions

Samsung Pay should replace plastic completely. To make a payment, the user performs sequential actions.

1. The application will start by clicking on the icon or moving from bottom to top without lifting your finger.
2. All cards linked to the service will appear on the screen that opens. One plastic card is selected, and authorization occurs using the selected method.
3. All that remains is to bring the smartphone to the terminal window. When paying at the cash register, they sometimes indicate the card password or put a signature.
4. The funds are debited immediately, a printed receipt will confirm the payment.

The process is expedited. Payment won’t even take a minute; scammers simply won’t be able to use the reading circuits. Theft will not work without knowing the password or fingerprint.

How much does it cost to use?

The advantage of using the service is not only simplicity. Transactions do not involve any additional fees and are completely free.

Where can I pay with Samsung Pay?

Samsung Pay is becoming a real replacement for your traditional card. It is becoming convenient to pay at DOS terminals installed in supermarkets and restaurants, gas stations and cafes. It is enough to bring your smartphone to the cash register, and it will be read and written off automatically.

Do you need an internet connection?

Technologies eliminate the need for Wi-Fi connections and access to the network. You don't have to spend money on mobile Internet traffic.