Is Samsung Pay secure?  - Android Authority

Is Samsung Pay secure? – Android Authority

Samsung Pay is a mobile payment app exclusively available on Samsung smartphones And the smart watches, making it easy to make quick purchases on the go. It is convenient and allows you to leave your wallet behind. But many users may be wary about saving their card information on a device that may be accessed by others or may be lost or stolen. So, is Samsung Pay secure?

Read more: How to set up and use Samsung Pay

quick answer

Yes, Samsung Pay is secure. The app does not store your physical card information and uses coding to generate a unique identifier that is used to complete transactions. You also can’t make a purchase without first authenticating it with a PIN, pattern, fingerprint, or face scan. Samsung phones also come with Knox to protect your phone from malware and other security threats.


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How secure is Samsung Pay?

Edgar Cervantes / Android Authority

Samsung offers the greatest possible security with Samsung Pay to ensure the security of your private financial information. Knox, Samsung’s multi-layered software protection system, protects your phone from malware and other security threats and keeps personal information like passwords, card information, biometrics and more safe.

Samsung Pay uses coding to secure your card data. In simple terms, the token replaces your card information with another unique identifier that is then used to complete the transaction on the payment network. When you add a card to Samsung Pay, you’ll see a different number on the bottom of your card called digital card number. If anyone else asks for four numbers from your card to verify the transaction, this is the number you’ll provide instead of your actual card details.

samsung pay digital card

Ankit Banerjee / Android Salad

Your physical card information is not saved or accessed by Samsung, using the app token generated for transactions. Samsung Pay will only display the last four digits of your card number on the image to make it easier to find and manage if you add multiple cards.

Samsung ensures that every step when using Samsung Pay is also secure. You will need to authorize each transaction with a PIN, pattern, fingerprint or iris scan before completing your purchase. When you add a card, your bank or card provider checks it with an OTP (one-time password) to make sure someone isn’t adding your stolen card to Samsung Pay.

Is Samsung Pay the same as using my contactless card?

Credit cards and debit cards stock photos

Edgar Cervantes / Android Authority

Using Samsung Pay is similar to using your contactless card, but not the same. You can use Samsung Pay at NFCPayment terminal enabled, but you will need the physical card in case you need to swipe it or use a chip reader. You will still need a physical card to pay at gas stations or to withdraw money at an ATM. Although Samsung Pay is widely accepted, some stores still do not support it. For example, Walmart does not accept payments from any app other than Walmart Pay.

What is the difference between Samsung Pay and Google Pay or Apple Pay?

Google Pay 3 stock photos

Edgar Cervantes / Android Authority

There is not much difference between Samsung Pay, Google PayAnd the Apple Pay As far as mobile payment and security is concerned. The most important difference is availability. Samsung Pay and Apple Pay are only available on the respective company’s devices. On the other hand, Google Pay works on any Android smartphone, including a Samsung phone, but it has limited features on iOS (you can’t make in-store payments). If you have an Apple device, your best option is Apple Pay.

Because of MST, Samsung Pay used to outperform other payment services, but this feature is slowly being phased out and not available on the latest Samsung smartphones.

Apple Pay 3

Indian atmosphere / Android salad

All three work roughly the same way when it comes to making in-store payments. All three also let you add credit cards, debit cards, PayPal, and store loyalty cards, with a similar number of banks and cards supported. But Google Pay and Apple Pay have the advantage of paying online. These two services are widely accepted for making purchases from online stores, while the availability of online payment from Samsung Pay is very limited.

What if I lose my phone?

Even if you lose your phone, it will be difficult for someone to use the payment app without knowing your Samsung Pay PIN. However, you can use Samsung Find My Mobile App To locate your phone and remotely wipe all your data, including Samsung Pay.

To use this feature, you must first enable it on your phone. go to the Settings > Biometrics & Security > Find My Mobile and run it. You must also enable Submit last site And the Currently searching To make it easier to track your phone. The ability to wipe your phone is only available if Find My Mobile is enabled.

samsunf find my mobile

Ankit Banerjee / Android Salad

Sign in to Find My Mobile with your Samsung account. Once the app locates your phone, select a lock And the erase To wipe your phone remotely.


Read more: How to remove a card from Samsung Pay

questions and answers

If you lose your physical card and cancel it with the bank, Samsung Pay will automatically freeze and block it in the app.

No, Samsung Pay does not have access to your bank account and does not store your card information on its system.

If you send your phone to an authorized Samsung dealer, the phone will be reset to factory settings. Factory reset will erase your Samsung Pay information and all other data.

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