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Moderator
Posts: 8,804
Registered: ‎06-20-2015

Samsung Pay

Hey everybody,

 

I'm two weeks into my Samsung Pay experience, and so far so good.  I've had good luck using it at the usual places, but the jury is still out if I'll continue using it once the new wears off.  In most cases it does seem to add time to the checkout experience (other than Publix, where swipe transactions are still much quicker than EMV) but it's not slowing me down enough to be annoying (usually).

 

I will add that I'm enjoying the promos... there was a Capital One promo a week or so back (use three times, get a rewards card) and there's now a USAA promo (use your USAA card three times, get $15 rewards card).  I'll definitely continue to use it as long as these promos are around.  Smiley Wink

 

What are your experiences?  Feel free to share the good and the bad here.  And of course any tips from seasoned users are welcome! Smiley Very Happy

Community Leader
Super Contributor
Posts: 9,905
Registered: ‎07-17-2013

Re: Samsung Pay

Well, I can't add any experiences UnlceB, since I don't even use the Apple Pay with my own phone, but those rewards are nice, and definitely add up. Every little bits helpsSmiley Happy

Glad its going well for you so far!
(BK7 d/c-08/2013/FICO-400's) ~ 07/2017 FICO 08- EQ-669, TU-676, EX-681
Scores being held down by tons of INQ/New acts Smiley Wink
Valued Contributor
Posts: 2,255
Registered: ‎02-14-2016

Re: Samsung Pay

I wanted to try it 2 years ago but it won't let you pay on a rooted device, and i can't stand stock Samsung Android so I've never been able to use it.

Might try on my next phone before rooting it but for now real cards remain my only option.
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Posts: 8,804
Registered: ‎06-20-2015
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Re: Samsung Pay


pizza1 wrote:
Well, I can't add any experiences UnlceB, since I don't even use the Apple Pay with my own phone, but those rewards are nice, and definitely add up. Every little bits helpsSmiley Happy

Glad its going well for you so far!

Thanks!

 

I admit the Capital One and USAA promos have been my primary motivation so far, but it's actually OK.

 

So far it's been consistent; I have seen some weird random error messages from the terminal at Wal-Mart but it's always worked.  Usually I just keep holding it there and it goes through, except for a few days ago where it said 'security code error'.  I had to touch 'cancel' on the self-checkout screen before reselecting 'credit' and trying again (it worked the second time).

 

I've still not tried it with a Wal-Mart cashier, and I'll probably avoid doing so for a while.  My store seems to have a high turnover and can be really hit-or-miss even with a 'normal' credit card - self checkout is always easier (and if you happen to need help the tellers there are usually experienced).

Moderator
Posts: 8,804
Registered: ‎06-20-2015

Re: Samsung Pay


wanderingbuilder wrote:
I wanted to try it 2 years ago but it won't let you pay on a rooted device, and i can't stand stock Samsung Android so I've never been able to use it.

Might try on my next phone before rooting it but for now real cards remain my only option.

Yeah, there were a few things I really didn't like about the Samsung software.

 

The second day I had the new phone I installed the Google dialer and messages... the Samsung version was OK I guess but I was already used to Google's version and there was no good reason to change.

 

With those two changes I've got things back to "normal" enough to manage - the other stuff is mostly under the hood for me so I can work around it.  I was thankful to find instructions on switching the buttons in the nav bar around to match what I was used to... I have no idea why Samsung chose to change that.

 

Samsung Pay is cool, though... no complaints so far, although I would never rely on it completely - you'll have to pry my plastic cards from my dead, cold hand.

Frequent Contributor
Posts: 343
Registered: ‎12-15-2011

Re: Samsung Pay

Last year the rewards redemptions were insanely lowered around Christmas time so I made out with a bunch of free/discounted Samsung stuff since you could get a $50 off coupon code for samsung.com for some ridiculously low amount of points (ended up with two free wireless chargers, one of them portable power banks, a couple of free 128 gig SD cards, gear vr for ~ $10, and $50 off an SSD drive) so I'm hoarding my points now hoping they might do something similar this year as well and if they don't I'll probably just redeem for credit on that  reloadable e-debit card (right now best redemptions are the $50 for 10k points and up).

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Posts: 8,804
Registered: ‎06-20-2015
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Re: Samsung Pay


DantGwyrdd wrote:

Last year the rewards redemptions were insanely lowered around Christmas time so I made out with a bunch of free/discounted Samsung stuff since you could get a $50 off coupon code for samsung.com for some ridiculously low amount of points (ended up with two free wireless chargers, one of them portable power banks, a couple of free 128 gig SD cards, gear vr for ~ $10, and $50 off an SSD drive) so I'm hoarding my points now hoping they might do something similar this year as well and if they don't I'll probably just redeem for credit on that  reloadable e-debit card (right now best redemptions are the $50 for 10k points and up).


That's awesome and definitely something to watch for!  Smiley Happy

 

Something I figured out (by accident)... I got the Samsung Rewards card as a new customer, and after getting it to $0 I deleted the card. Upon earning the USAA promotion they automatically loaded what I thought was another Samsung Rewards card, but upon closer examination it appears to be the same card that was loaded for the first promo (the transactions from the first promo are present), just reloaded with the new promo.

 

I've wondered if the Samsung Rewards card would 'auto drain' if used at a store, but honestly that's just adding another moving part to an already gangly process so I'll likely leave that for somebody else to explore.  I've read that Amazon GCs can be purchased for any amount from within the Samsung Pay app, so if that's accurate there's little to be concerned about in any case.

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Valued Contributor
Posts: 1,859
Registered: ‎09-28-2014

Re: Samsung Pay

[ Edited ]

I don't know about Samsung Pay as my phone is an LG. I did try Andoid Pay. My older LG G2 is just fine for me, but it doesn't have the finger scanner, so Android Pay required that I lock the screen with a PIN. I'm not going to enter a PIN 20 times a day to check text, email, weather, etc. just for the 2-3 times a week I might use Android Pay, so I quickly uninstalled it.

 

I had a Wells Fargo account earlier this year for the new account bonus, and they also offered a one time $10 bonus for using the Wallet mobile pay feature on their Android app. To use it you just had to open the app & enter a PIN for that app and you're good to go. That's the way to do it, a PIN for the app, not the entire phone.


Fico 08: 720/721/719 TU/EX/EQ
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Re: Samsung Pay


DaveInAZ wrote:

I don't know about Samsung Pay as my phone is an LG. I did try Andoid Pay. My older LG G2 is just fine for me, but it doesn't have the finger scanner, so Android Pay required that I lock the screen with a PIN. I'm not going to enter a PIN 20 times a day to check text, email, weather, etc. just for the 2-3 times a week I might use Android Pay, so I quickly uninstalled it.

 

I had a Wells Fargo account earlier this year for the new account bonus, and they also offered a one time $10 bonus for using the Wallet mobile pay feature on their Android app. To use it you just had to open the app & enter a PIN for that app and you're good to go. That's the way to do it, a PIN for the app, not the entire phone.


I know what you mean... if it weren't for the fingerprint scanner I doubt I would bother, either.

 

I took advantage of the Wells Fargo promo as well; it turns out you have to have a 'default' mobile payment method set so Samsung Pay was disabled if the WF payment app was active.  I used it at a Coke machine to get the $10 credit (applied instantly), then I promptly changed back to S. Pay.

 

I did have something unusual to happen a few days ago... I used Samsung Pay at Sears (first time) and nothing happened when I held the phone over the NFC reader so I held it over the magnetic strip reader, and it accepted it like a card was swiped (so far, so good...).  Then it asked for the CID from my Amex, which the digital card doesn't have.  Smiley Frustrated

 

I told the cashier I only had the last four digits of the digital number, but not the CID, and he suggested trying that.  I initially objected but tried anyway for 'giggles' and was surprised when it worked (I was actually already taking my wallet out... LOL).  So, I have no idea if either Sears or Amex simply let it "slide" due to the low dollar amount ($17) or if the last four of the digital card number actually is the CID.  In any case, it worked.

 

The only situation Samsung Pay has failed has been at Walmart with my Wells Fargo Propel Amex - I've gotten a 'card declined' message both times I've tried (different from the usual mis-read messages I've occasionally seen).  S. Pay works at Walmart with my USAA card, and the plastic WF Propel works there with no problem.  I called WF to see if there was an account issue and they didn't have a record of the decline so it's a glitch somewhere between my phone and the Walmart register.  Notably I've used S. Pay with the WF Propel Amex at Kroger with no problem (as a test only... I always use my BCP at Kroger) so the issue is unique to Walmart/S. Pay, at least for me.

 

Next I might try the PRG/Samsung Pay combination at Walmart to see if I'm having an Amex network issue or a Wells Fargo issue (in any case the issue is unique to Walmart).  I'm also using the self checkout at Walmart so I can consistently see what's going on (I don't have to wonder if the right button is being pressed behind the counter).

Frequent Contributor
Posts: 308
Registered: ‎01-01-2016

Re: Samsung Pay

[ Edited ]

Just now noticed something strange about activating Capital one card on samsung pay ( for promo.) My husband loaded my capital one card on his s8 and verified & used on samsung pay without problem ,earned 10$ . Now we trying to load his brand new  cap one platinum card that he received and activated today, on my s7 but wallet app is saying this card isnt eligible for samsung pay?? But its capital one platinum. Mine worked and his isnt eligible? Both are from  capital one. How can that be? Has any one else experienced this?

QS 7K | Disc11.5k | Amex Evday 6.9K | AmexBluCsh 20K| NFCUcshrewrds15.5K | NFCU more rewards amex 9700K|Penfed cshrewrds 5K | Penfed travel Amex 5K|Consumers Cu Visa signature Cash rebate 6.5K | Blispay 2K| Citi Sim 7K|Citi Double cash 7.1k|
Chase Aarp 4.2K| Chase prime vis sig 3.5K | Paypal 2% Cash back 300| Walmart MC 10K |2nd Disc 3.5K| Amz Store CC 5K | Care credit 5.5K |Marvel MC 5.5K |Good yearCC 2.4k - Over 145k CL all together

FICO SCORES- TU 737, EQ 710, EX729 , AAOA 1 year. Inquiries TONS.

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