Android Pay vs. Samsung Pay: Which do you use?
If you own a modern Android phone, there's a good chance you've used it to make a mobile payment at one point or another. Android Pay is your only real option to use if you own a phone from HTC, LG, Google, or OnePlus, but if you own any modern Samsung flagship, you have the choice between Android and Samsung Pay.
Samsung Pay has long had the advantage of supporting both NFC and MST transactions, and when you combine this with the ability to earn free money by simply spending as you normally would, you end up with a couple big reasons to take advantage of Samsung's service if you own hardware that's compatible with it.
When posed with the question of Android Pay versus Samsung Pay, this is what some of our forum users had to say.
With all that said, we'd now like to pass the question on to you – Do you use Android Pay or Samsung Pay?
Get the Android Central Newsletter
Instant access to breaking news, the hottest reviews, great deals and helpful tips.
Joe Maring was a Senior Editor for Android Central between 2017 and 2021. You can reach him on Twitter at @JoeMaring1.
1 - not all card readers have NFC technology or some hardwares are enabled to NFC but the software isn't updated to it. By this reason 60% is unable to receive NFC payments.
2 - NFC payments isn't easy to use, the operator need to enter in information about payment before tap to pay. Usually they need to navigate into a menu, select an option, put the value, after credit or debit and then the customer will be able to tap to pay. By using Samsung Pay MST technology, we need only put our smartphone near to the magnetic reader. After this the process is the same by using a physical card. Very friendly to cashiers.
All my cards are chipped and they still work with mag readers when I use Samsung Pay.
Side note: for whatever reason, I've had a heck of a time getting it to work with Walmart checkout lanes though...I've had to resort to using my physical card multiple times.
I think they make it difficult so people will use their Walmart Pay.
Someone told me neither Android Pay nor Apple Pay work at all. Don't know that for sure as I only use Samsung Pay.
Swipe any card that does not have a mag strip. I use my kaiser medical card :)
As soon as you pull out or as you pull out, hold the phone up to the side with the mag stripe reader.
It should go through like normal.
the dummy swipe turns the reader on at the pump. I have used this with about 80% success. QT and Valero seem to be the best success....kroger never works. Hope this helps others reach the max 50 swipes a month!
Though, now that more "tap to pay" terminals are appearing, on non-Samsung devices, the door is opening. I'd like to use Android Pay more often.
Big issue with MST is that it can be super picky when and where it works.
For instance. A local shop has four checkouts, brand new veriphones. Two refuse to work at all. One only would work with credit the other only works with debit, when they even work. But since many people still completely refuse to have chip readers running how can we expect this to work smoothly.