• Samsung mst how it works. The underbelly of how payment technologies based on NFC and MST work. How much does it cost to use Samsung Pay?

    Contactless payment technologies based on NFC radio signals or magnetic fields have been working for several years. Another method of paying for goods is offered by Samsung Electronics together with Sberbank. The article covers the most frequently asked questions and answers about the Samsung Pay service in Sberbank.

    How does Samsung Pay work?

    Which Sberbank cards can be connected to Samsung Pay?

    Samsung Pay supports the following Sberbank debit and credit cards:

    Debit:

      World MasterCard Elite Sberbank 1,

      MasterCard World Black Edition Premier,

      World MasterCard “Gold”,

      MasterCard Platinum,

      MasterCard Gold,

      MasterCard Standard,

      MasterCard Standard Contactless,

      MasterCard Standard with individual design,

      Youth card MasterCard Standard,

      MasterCard Standard youth card with individual design.

    Credit:

      MasterCard Gold,

      MasterCard Standard,

      Youth card MasterCard Standard.

    Video: How Samsung Pay works and why it is convenient:

    How to connect to the Samsung Pay service?

    Each owner compatible Galaxy smartphone can simply open the Samsung Pay application and enter your Samsung account information to gain access to all functions of the Samsung Pay service in Russia.

    Where can I use Samsung?

    You can pay for purchases through any payment terminals.

    Do I need an internet connection to pay with Samsung Pay?

    No, you do not need to connect to the Internet to pay for purchases in stores with Samsung Pay. Your device interacts with the terminal using NFC and MST contactless technologies.

    Which Samsung Galaxy phones work with Samsung Pay?

    Samsung Pay is available in Russia to users of the following Samsung Galaxy smartphone models:

      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 S6 edge (G920F) - NFC only, see note below in the text.

      Samsung Galaxy S6 (G925F) - NFC only, see note below in the text.

      Samsung Galaxy A7 2017 (SM-A720F)

      Samsung Galaxy A5 2017 (SM-A520F)

      Samsung Galaxy A3 2017 (SM-A320F)

    Since the Samsung Galaxy S6 smartphone model is not equipped with Samsung MST technology, payment for goods and services using the Galaxy S6 and S6 edge through the Samsung Pay service is only available at contactless payment terminals.

    Samsung Galaxy S7 and S7 edge, Galaxy S6 edge+, Galaxy Note5 smartphones and Samsung mid-price smartphones Galaxy A5 (2016) / A7 (2016) support contactless payment and are compatible with chip or magnetic stripe payment terminals.

    How much does it cost to use Samsung Pay?

    Sberbank clients do not pay a commission for payments through the service - it is absolutely free.

    How convenient is the Samsung Pay service for a Sberbank client?

    Now you don’t have to worry that you left your wallet at home, or that your bank card might be stolen. To make a payment, you need the fingerprint of the smartphone owner and nothing more!

    How is Samsung Pay device secure?

    No data is stored on your smartphone; only a so-called token is stored there - a special key or payment system. Even intercepting this token prevents fraudsters from obtaining any information about the card.

    Benefits of Samsung Pay

    Head of Samsung Mobile in Russia Arkady Graf:

    “We are confident that Sberbank clients can appreciate the benefits of the Samsung Pay payment service; it is simple, secure and universal.”

    There are more than one and a half million payment terminals in Russia, but only 20,000 support the NFC service. that is, they all work with standard magnetic plastic cards.

    The Samsung Pay service supports both types of payment terminals thanks to MST technology. This means that you can pay anywhere except for machines with an old software version.

    Samsung Pay allows you to pay for purchases using magnetic secure transfer, so Samsung Pay works on any terminal.

    Samsung Pay allows you to pay for purchases using magnetic secure transfer, so Samsung Pay works on any terminal.

    Samsung Pay is safe: During payment, a token is used instead of a card number - your data is securely encrypted
    Samsung Pay is accepted everywhere: it can be used to pay in any place where bank cards are accepted

    Instructions for working with Samsung Pay

    1. Open the Samsung Pay application, press the start button, select the identification method: fingerprint or digital pin code.
    2. Add your card details, accept the agreement with Sberbank policy and Samsung rules. Well, click SMS to confirm your registration in the system.
    3. Enter the received code in the Special field and add your signature. With a stylus or finger.
    4. You can add the map to your favorites. There is a limit of 10 bank cards on one smartphone.

    How to pay for a purchase in a store using Samsung Pay?

    Launch the Samsung Pay app using any of the following methods:

      moving from bottom to top on the locked screen,

      moving from bottom to top on an inactive screen,

      moving from bottom to top on the home screen,

      or tap the Samsung Pay icon on the screen.

    1. On the screen of your Samsung smartphone you will see your cards connected to the Samsung Pay service. Select the card you will use to pay. Log in using your fingerprint by placing your finger on the scanner, or enter your application password (PIN).
    2. Bring your Samsung smartphone to the payment terminal. If the cashier asks you to enter a PIN code, enter the PIN code of your plastic bank card, and if the cashier asks you to sign, put your signature.
    3. You will receive a receipt as if you paid with a regular card. And an SMS notification about the completed transaction will be sent to your phone number.

    Attention! Keep your password secret and don't let anyone, even your family members, register your fingerprints with your Samsung Pay device.

    Taking into account the popularity and prevalence of payment technologies based on NFC and imitation of a magnetic signal - MST, we, in the team of the payment provider Fondy, are publishing a post that describes the mechanism of operation of these solutions: from point A (interaction with the payment terminal) to point B (execution of the transaction ).

    According to the results of Yandex, the main question of users on the topic of NFC remains “What is NFC and how to learn to use it?” This contrasts greatly with Google, where the question is different. They already know what NFC is - NFC is available in every household. The question is how to apply what is given? What can you do using NFC? What should the average non-advanced user do with near-field technology?

    To get you started, here is a list of a few smart devices that are NFC compatible: Nexus 6, Sony Xperia Z3, iPhone 6/7, Samsung Galaxy Note 4, LG G3, HTC One M9. For those who like to study and compare devices, here is the complete list.

    Very soon, NFC chips will be built into smartphones from all manufacturers, and even fitness trackers will be NFC-based. Apple uses this technology in the Apple Watch, and now you can pay for goods using Apple Pay with a wave of your hand.

    This is what reading a card with an EMV chip looks like:

    Why was the excursion into EMV made? To clearly show that with the advent of NFC, almost all previous steps (actions) had to be somehow repeated, replicated, transferred to a phone or other contactless device.

    Next we will talk about what TSM and SecureElement are, which make NFC transactions more secure. After all, if the card is not emulated in the phone using HCE (HostCardEmulation), then the data needs to be stored somewhere. SecureElement is busy solving this problem.

    OTA - remote control of security elements.

    TSM - TrustedServiceManager - a unique intermediary that owns the keys. It is a hardware and software complex that provides technological relationships between telecom operators and service providers.

    Key trusted third party services include secure loading and security element content management performed in collaboration with mobile service providers. These may be banks, transport companies, service providers and aggregators. Remote application management, typically performed using over-the-air (OTA) cellular technologies, involves installing and personalizing applications within the mobile phone's security element, as well as continuing to maintain installed applications throughout their lifecycle, as well as service support. You can read more about the role and place of TSM in the NFC ecosystem.

    SecureElement - a secure element in an NFC device - data placed in the device's wallet. This is a separate microprocessor responsible for the secure storage and operation of Mastercard Mobile PayPass/VisaPayWave payment applications. Either it is built-in (installed on the phone’s motherboard), or it is placed on a detachable module: UICC SIM card/SD memory card.

    For a more clear understanding of the daily use of the TSM platform, let’s quote an excerpt from the MTS press release dated March 3, 2014:

    “With the advent of the TSM platform, the last infrastructure limitation on the path of mass development of NFC services in Russia is removed - we will receive a connecting link in the NFC ecosystem, a single “entry point” for quickly connecting a wide range of service providers... For the user, our new technical complex makes it possible to quickly and secure download “over the air” directly to the SIM card of an electronic image of bank and transport cards, travel tickets, loyalty cards, passes. Soon, it will be enough for an MTS subscriber to receive an NFC-enabled SIM card at an MTS salon once in order to subsequently issue duplicate plastic bank cards without visiting a bank or buy travel tickets and receive discount coupons without going to points of sale. And all this will fit in one smartphone, surrounded by a user-friendly interface with complete information about all available contactless cards.”

    Now you can compare notes and see how well your plans panned out. Technologically they were very justified. A lot has been achieved.

    Today, cash is gradually disappearing from use and most purchases are made using plastic cards. Everyone has cards; salaries, stipends, pensions, and so on are credited to them. Each retail outlet must have at least one terminal for payment using a plastic card. Bank cards have become an integral part of our lives and the destruction of cash is only a matter of time.

    The next step in technology development is contactless payment. Many cards already support this technology and allow you to make purchases just by tapping the card on the terminal. This technology has served as a catalyst for the emergence of specialized chips and payment systems in devices that we literally never let go of - our smartphones.

    In 2016, the Samsung Pay service was launched in Russia, which allows owners of phones from the Samsung Galaxy series to make payments from bank cards without using the bank cards themselves. The article will discuss how Samsung Pay works, how secure it is, and what difficulties users will encounter. Let's compare the technology with competitors' solutions.

    System Requirements

    First, you should find out which devices Samsung Pay works on. This technology requires not only software innovations, but also hardware ones, so you need to make sure whether your smartphone supports this technology or not.

    So, the Samsung Pay payment system works with the following gadgets:

    • Samsung Galaxy S8;
    • Samsung Galaxy S6 (with restrictions);
    • Samsung Galaxy Note 5
    • Samsung Galaxy A7
    • (2017);
    • Samsung Gear S3.

    These are those devices from Samsung that are equipped with NFC or MST chips and support modern software.

    Unlike Apple or Google products, Samsung Pay seems quite limited because the number of supported devices is significantly lower. In the case of Apple, we get support for all smartphones released since 2014 (since 2013, if you connect, and in the case of Google, we support any gadgets on which you can install the official Android version 4.4, and there are hundreds of thousands of them in the world.

    As is the case with other payment systems, the launch of the payment system was accompanied by a number of restrictions. For example, Sberbank entered into an agreement with Apple for an exclusive launch and for this reason Samsung lost the opportunity to connect this bank before the contract expired. Now the situation has stabilized and almost all popular banks work with all payment systems.

    So, the banks working with Samsung Pay are as follows:

    • Sberbank.
    • BinBank.
    • GAZPROMBANK.
    • "Otkritie" (Rocketbank).
    • "Russian Standard".
    • Tinkoff.
    • and the Yandex.Money electronic wallet.

    It is important to understand which cards Samsung Pay works with. To connect to the payment system, you need a card that supports PayPass or PayWave technology. In the case of Visa cards, there are restrictions on the number of banks that work with Samsung Pay. The restrictions can be found on the company’s official website.

    How to connect?

    To start using Samsung Pay, you need to make sure that your gadget supports the payment system and download the application of the same name. When you log into the app, it will ask you to set a password (or fingerprint) for your screen lock. In the future, the pin code or fingerprint will be used to confirm transactions. Then you need to attach the card itself. This can be done in two ways: manually, by entering all the data, or automatically, by pointing the camera at it. The second option works well, but you still have to enter the CVV code yourself. If the card is suitable for the application, then this procedure will be immediately followed by a verification from the bank. You will receive an SMS with a code to activate the payment system; without it, you will not be able to make further payments. The last step is to add an electronic signature. It is needed very rarely, but when you need it, the card may not be nearby, and that’s when a digital signature will help you out.

    Is it safe to use Samsung Pay?

    The issue of security is of primary concern to users. New technologies are always scary, especially when it comes to money. Even bank cards themselves were difficult to accept. Regarding safety, things are as follows. In a nutshell, Samsung Pay is the safest payment method, much safer than regular cards. In more detail, smartphones use a special tokenization system. When a user tries to make a payment, the phone does not use the data from the card, but creates a digital copy of it, unique each time, and shares it with the terminal. The terminal contacts the bank and reports successful payment (unless, of course, you have run out of money). Data about tokens is stored in the gadget itself, so you can pay for something even without the Internet.

    We should not forget that each purchase must be confirmed, and for this the user must enter a PIN code or place his finger on the fingerprint sensor. Even if an attacker sneaks up on you unnoticed with a portable terminal, he will not be able to steal a penny from you, since he will not be able to confirm the payment.

    But what about viruses and hacking of the operating system? Android is far from being as secure as iOS? It's actually not that bad. Samsung has implemented its own security mechanism into the system, which continuously scans the system for malware and vulnerabilities, and if a virus does get into it, the Samsung Pay service will be blocked and payment data will be erased.

    How does Samsung Pay work?

    Let's move on to payment. Samsung Pay works just like a regular bank card. Moreover, like any card, and not just one that supports NFC. The fact is that not all terminals in Russia support NFC. Many still work only with magnetic tape, so some phones cannot be used to pay. This applies to iPhone and all Android devices except Samsung. When paying on older terminal models, proprietary MST technology is used. The phone creates a magnetic field similar to that created by a magnetic bank card. The terminal reacts to it and accepts payment. Therefore, the answer to the question “where does Samsung Pay work?” sounds like this: “everywhere.”

    Possible problems

    Already at the start, when the technology began to be introduced to the masses, users encountered a number of problems.

    • Take another look at which phones Samsung Pay works on. Users often ignore this simple task and run to complain on forums that the technology does not work as stated.
    • Make sure your phone has the latest operating system. You need to go to the settings and check the firmware version so that the phone downloads the latest updates.
    • Even if you have installed the latest version of the operating system, the software may not work in your country. For example, Samsung Pay did not work with the S7 until the necessary work was carried out on the manufacturer's side to launch the service. It might be worth waiting a bit. Do not forget that you must have the original firmware installed, without root rights. If you hacked the system or bought the phone second-hand, contact the official service center, where they will restore the original firmware for you.
    • Don't forget that to use any service from Samsung, you need a personal account, which the phone prompts you to create at launch. If you haven't done so yet, go to Settings and find the Accounts submenu there.
    • In the case of smartphones from the Galaxy S6 line, payment via MST does not work, so before paying, make sure that the terminal supports contactless payment (usually these have a corresponding icon in the form of waves).

    Promotions and discounts

    To attract users to the new technology, Samsung has agreed with a number of Russian brands to organize advertising campaigns. One of these was the “Pay with your smartphone” campaign. Movie tickets." According to the terms of the promotion, anyone who purchased a ticket in the Kinohod service through Samsung Pay received a 100% discount on their next purchase. There is currently a 50% discount on subway fares on the MCC line. In the US, Samsung has launched an even larger and longer-term campaign. There, every purchase made using the company's payment service allows you to accumulate points, which can then be spent on other products in the Samsung Rewards store. It is unknown when this service will reach Russia.

    First impressions and reviews

    Many owners of Samsung gadgets really liked the idea of ​​combining a wallet and a smartphone. It's so simple! A smartphone is much more convenient and useful than cash or a card, and most importantly, it is always with us. Early feedback on how Samsung Pay works is encouraging. It’s already been a year since people have been using the payment system and are generally reacting positively to the new (for some, already familiar) experience. The system works in all major shopping centers; you can easily pay for fast food and subway rides using your phone. Many have already forgotten about where their bank card is, because it is no longer needed. Salespeople and cashiers do not always respond adequately to technology. The training was carried out in all major chains, but somewhere in the indoor market you may encounter puzzled looks or even fear, so be vigilant.

    Instead of a conclusion

    Samsung Pay has many advantages over regular bank cards. This is, of course, a very successful technology that will become more in demand over time. A wallet in a smartphone is exactly what a modern person needs to make parting with their hard-earned money even easier. It's convenient, safe and very fast, and after trying it once, you'll want to try again and again, because now you know how Samsung Pay works and you can do it. Nevertheless, do not forget to carry a card and some cash in reserve at first, because situations vary.

    • Works with terminals without an NFC chip.
    • Various payment protection options.
    • Discounts and promotions.
    • Does not work on jailbroken devices.
    • A limited number of smartphones working with the payment system.

    Relatively recently, a new payment service from the global digital technology brand Samsung appeared on the domestic market. This technology was not the first; the Android Pay mobile application was released before it. An important feature of the new development is the presence of a universal MST microchip, capable of simulating a magnetic stripe from a bank card. The combined action of such a module with NFC makes it possible to pay in almost any store contactless. In the article we will talk about Samsung MST and the areas for its application.

    What kind of technology is this

    MST technology is promising and has become widespread in the financial sector. It allows the consumer to complete a transaction in a contactless manner by simply holding their mobile device to the POS reader to make a purchase. The difference from NFC is that the MST module is capable of simulating a signal from a magnetic tape on a bank card.

    The joint work of these two chips greatly simplifies the user's life. Now you can buy goods in any store, even if the terminal is not equipped with NFS and only accepts credit cards with a magnetic stripe. The exception is remote regions of the country where only cash is accepted.

    This technology is available only to owners of mobile devices from the manufacturer Samsung. The transaction procedure is as simple as possible; you just need to bring your smartphone to the terminal and receive a receipt. Please note that this feature has been developed relatively recently and is only available for certain developer models. Unfortunately, gadgets released before 2016 are not equipped with a microchip.


    Let's consider the advantages of such a module and contactless payment:

    1. High level of security. The transfer of information occurs at a minimum distance, just a few centimeters, and the duration will be no more than a couple of seconds.
    2. It's convenient. You no longer need to carry a wallet, cash or bank cards with you.
    3. High speed of information exchange between receiver and transmitter.
    4. The MST module does not require large amounts of electrical energy and saves battery power.

    What phones does this function work on?

    This technology appeared on the domestic market relatively recently, so the contactless payment function via the MST access chip is only available for certain models from the manufacturer Samsung. Currently, every new mobile device is equipped with an MST and NFS transmitter. You can view the list on the manufacturer’s official portal at any time.


    The module is installed on the following smartphone models:

    • line of S devices, starting from the sixth version;
    • a series of mobile phones A5, A6, A7, which were released after 2016;
    • Samsung Galaxy Note 5.

    All of the listed smartphones have both NFS and MST support microchips in their design.

    How to use for payment

    Now let's move on to conducting a transaction in the store. To make a contactless purchase, you will need:


    You should take into account a number of restrictions and operating conditions of the Samsung Pay service:

    1. The mobile device must have the latest version of the software installed, which must be updated promptly. Pirated firmware is not allowed.
    2. The user must have a registered account in the Samsung Account service and a personal identifier. Otherwise, you need to create a new one.
    3. The bank card you add to the application must be issued by a partner banking organization.


    Where can you pay with MST?

    Don't worry about paying in a regular store. You can make a purchase at any establishment that uses a PayPass and PayWave terminal, even on outdated equipment that accepts credit cards with a magnetic stripe, you can successfully make a payment thanks to MST technology. To do this, just bring it to the reader. Currently, such terminals are installed in almost every store, even in street markets. The only exceptions are the most remote settlements, where cash is still in use, but this is only a matter of time.


    A mobile application, a virtual wallet, is a universal tool for conducting contactless transactions. Samsung Pay has the following advantages compared to analogues in the domestic market:

    1. Ease of use. The payment procedure takes place in a matter of seconds.
    2. The ability to pay for purchases in any establishment, cafes and restaurants, as well as in public transport.
    3. You can add up to 10 credit cards and an unlimited number of bonus and discount cards to your virtual wallet.
    4. Saves space in your pocket. Everything you need is in your mobile device.
    5. Safety. Information is exchanged within a small radius, which prevents the interception of personal data. Each purchase requires approval by the owner by scanning a fingerprint.
    6. A transaction worth more than 1000 rubles requires you to enter a security PIN code.

    Among the shortcomings, only one can be highlighted - a limited number of models that support the contactless payment function.


    The article examined in detail the operating features of mobile devices from the global brand Samsung, equipped with an MST transmitter. This unique technology helps reduce the time it takes to pay for goods in almost any store in Russia and abroad. Currently, the MST microchip is installed only in a limited list of models, so when purchasing a smartphone, carefully study the technical specifications.

    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. Let's 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 "Otkritie"
    • Russian Standard Bank
    • Bank "St. 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).

    In the end. 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!

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