After the success of Apple Pay, Samsung has launched its own contactless payment solution through smartphones. Google Pay, which is already available in several countries, is expected to follow suit soon. Apple Pay is compatible with iPhones starting from the 5S, while Samsung Pay works on recent Galaxy smartphones from the S4 onwards. Google Pay is expected to arrive on all Android smartphones in the coming months.
However, it is important to note that your bank needs to be a partner for these payment solutions. Many banks have already taken the leap, such as Caisse d’Epargne and Banque Populaire, which are partners of Samsung and Apple. Société Générale, for now, is only a partner of Apple Pay. It is still unknown which establishment will launch Google Pay.
The configuration process is quite simple. In the wallet application, click on « add a card » and aim your camera at the card. The data will be automatically detected, and you just need to enter your name and CVV. The procedure is similar in the Samsung Pay application.
Approximately half of the merchants have compatible payment terminals. When it’s time to pay, double-click the home button (or the right button on Apple devices) or swipe up from the bottom (on Samsung devices). You will need to authenticate yourself, and then simply place your smartphone near the payment terminal, just like when you pay with a contactless card.
One significant advantage of using your smartphone for contactless payments is that it is not limited to small purchases. You can use it just like your bank card, with the same weekly or monthly spending limits. Similarly, there are no issues with using it abroad if your card already allows it. The system also works even if you are not covered by mobile networks.
It is important to note that your banking data is not stored on the phone or shared with merchants. Apple and Samsung only act as intermediaries, transmitting encrypted data. Therefore, paying with your smartphone is not riskier than paying with your bank card. In case your mobile is lost or stolen, report the incident to your bank’s customer service, as they can remotely delete your virtual cards.
In conclusion, installing Samsung Pay is a simple process that allows you to make contactless payments conveniently and securely. With the increasing availability of these payment solutions, it is becoming easier for smartphone users to embrace this modern way of paying.