How to Use Samsung Pay on the Galaxy S10 - dummies

How to Use Samsung Pay on the Galaxy S10

By Bill Hughes

The first step in the process is to make sure that you have Samsung Pay on your Galaxy S10. As cool as this app is, there are many options to this technology, and your carrier may have preferred to not have it preloaded. No problem. You can download applications from the Play Store. The Samsung Pay logo is seen here.

Samsung Pay logo
The Samsung Pay and the Android Pay logos.

It is easy to confuse Samsung Pay and Google Pay. These are two different applications. Google Pay is nice, but it does not have the Magnetic Secure Transmission capability that allows you to use mobile payments at many more retailers.

The app page description is shown here. When you tap Install, you get the image on the right.

Samsung Pay app
The Samsung Pay app Play Store images before and after installation.

The Samsung Pay app works a little different than most other apps. The first time you open Samsung Pay, you will be given information on how to use it and be asked to put in your credit card information (in a very convenient way, by the way) and asked all kinds of permissions and agreements.

Once you have given all this information, Samsung Pay waits patiently at the bottom of your home pages, ready to meet your payment needs with nothing more than a quick swipe from the bottom of the screen. Most people would simply not use this app if they had to go digging through their screens to find the app. This way, you do not have to search to find the app and wait for it to come up.

The following figure shows the Home screen with the Samsung Pay launch button sitting at the bottom ready to appear with a quick flick.

Samsung Pay quick launch
The Samsung Pay quick launch button.

The launch button is also there on the Lock screen, so you don’t even need to unlock your phone because you’ll be using the exact same security steps before you can use your credit card.

How to set up Samsung Pay

When you open the Samsung Pay app, you’re greeted with a series of pages before you get to the Home screen seen in the following figure. These pages include marketing introductions (which you don’t need because you read this article), permissions and agreements (which you should give if you want to move forward), and some pages that verify that Samsung Pay can work on your phone.

Samsung Pay home
The Samsung Pay Home Page.

The app wants to make sure that your phone has the right parts (your Galaxy S10 does, but that is not the case for every Android phone) and that you are in one of the 24 countries where Samsung Pay is accepted. You’re set if you’re in the United States, Canada, Puerto Rico, or China. You’re out of luck if you’re in, say, Yemen. Being in these countries is important for this app because each country has its own set of laws for payments, and Samsung may not have all the arrangements in place if you are not in one of these countries. New countries will be added as quickly as possible.

Read the agreements. In all likelihood, they are the same kind of agreements that exist in the fine print in your existing credit card and every time you sign your name to a credit card charge slip that affirms you won’t pull any shenanigans.

The next part of the initial setup process is to step through how you want to set up security. You have two security options when you are making a transaction: using your fingerprint or entering a PIN.

There are a few scenarios where using a Samsung Pay PIN rather than a fingerprint might make sense. In most cases, using your fingerprint is exceptionally convenient. If you’ve already set biometric security options up in your phone, you see the following screen. If you haven’t set these up yet, the Samsung Pay application will walk you through the steps to do so. It’s quick and easy.

Samsung Pay credit card add page
The Samsung Pay credit card Add page.

The next step is to enter your credit card information. When you tap the link that says Add Payment Card, you will be taken to a screen that lets you take an image of your credit card. The left image is when the screen first comes up and the right image is when you have the desired credit card in the viewfinder.

Samsung Pay image processing screen
The Samsung Pay credit card image processing screen.

The app then interprets the information on the front of your credit card and populates as many screens as possible with your credit card information. It will ask you to fill out the form seen in the following figure if it can’t figure out the information on your card or the information is on the reverse side of the card.

Samsung Pay credit card data
The Populated credit card data fields.

Not every company that offers credit cards is signed up with Samsung Pay. You can check the Samsung website or tap the link in the figure to check before you proceed. Otherwise, just go ahead and see whether things go through.

Tap Next, and Samsung Pay will seek to confirm things with your credit card company. This does not cost you anything. It just wants to make sure that when you do make a charge, everything will flow smoothly. One of the things the company will want to verify is that you are authorized to use that credit card. This means that either you need to be the primary cardholder or you need to coordinate with that person.

Keep in mind that scanning your fingerprint and tapping your phone on a credit card reader has the same legal implications as actually signing a credit slip.

When the credit card company verifies that everything is on the up and up, you get an acknowledgement like the one shown.

Samsung Pay verification
Card added verification screen.

How to use Samsung Pay

First, pick something to buy at a store. Have a clerk ring it up and tell him you will pay with a credit card. Swipe the screen upward. You see the screen seen here.

Samsung Pay payment screen
Samsung Pay payment screen before reading your fingerprint.

Enter your fingerprint by pressing the icon, and you see a screen similar to the one shown here.

Samsung Pay fingerprint screen
Samsung Pay payment screen after reading fingerprint.

As seen in the figure, you should either hold your phone against where the credit card reader would read the magnetic stripe or where there is the contactless payment system logo if it is available.

The semicircle above your signature will start counting down, and your phone will vibrate to let you know that it is transmitting. You will hear a beep if it all goes through. If it fails for some reason, you can try again simply by reentering your security option.

This process works with the vast majority of credit card readers. This does not work well, however, with credit card readers where you insert your card into the machine and pull it out quickly. This type of reader is mostly used on gasoline pumps. Sorry.

How to manage Samsung Pay

As long as you pay your credit card bills and keep your credit card account at the bank, this app is relatively self-sufficient. Still, you will need to access the app settings from time to time. You get there by tapping the Samsung Pay logo on the app screen.

To add a new credit or debit card, tap the Add link.

Adding a second card is easy, and the images will stack up when above each other on this page. The quick launch link brings up whatever card is on the top. If you want to change to use a different credit card, you can flip through the options.

You tap the three dots to get a pop-up for the settings of Samsung Pay and select Settings. The settings page is shown in the following figure.

Samsung Pay settings
Samsung Pay settings screen.

If you want to change the settings for or delete a credit card, all you have to do is tap on the Manager Favorite Cards link. All the information associated with that card will appear in the screen.

Enjoy your spending!