Rather, Samsung Pay works with conventional credit card readers, using the newer EMV or NFC tech, or even the older ones using magnetic strip technology – by holding the phone next to it, the credit card information contained in the magnetic strip gets transmitted via a technology called magnetic secure transmission (MST). The good thing about Samsung Pay is the near universal acceptance as merchants do not need to opt into the program. The Samsung Pay app connects to credit and debit cards from a number of major banks. It is supported on several of Samsung’s latest flagship smartphones, such as the Galaxy S9, but not on other manufacturer’s phones, limiting more widespread adoption. With their market-leading Galaxy phones now common among users, Samsung also now provides their mobile payment app, Samsung Pay.

However, there is a way to directly connect your PayPal account, and all Visa cards are supported via Visa Checkout.Īlso confusing is the fact that to be able to send money directly to another user (person-to-person transaction), you need a different app: Google Pay Send. However, that debit card from your tiny credit union with only three branches is not likely to be on the supported list. Google Pay supports a number of credit cards from a number of the major providers, such as Chase, Citi, Discover and American Express. It claims to be more secure than using a traditional credit card as the card number is not directly sent, and protected via multi-layer security encryption.

It is accepted at many retail stores, including Bloomingdale’s, Chick-Fil-A, KFC, Nike and Staples, and also online services such as Airbnb and DoorDash. The Android mobile payment app is Google Pay which comes preloaded on Android smartphones. Needs different app for person-to-person payments

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