VersusSamsung Pay vs Apple Pay: which is best mobile payment service?

Samsung Pay vs Apple Pay: which is best mobile payment service?

Samsung Pay is a way to pay for things with your phone. It was made by Samsung Electronics. It lets people pay without touching their phones, smartwatches, and other Android devices that are compatible with Samsung Pay. Both Near Field Communication (NFC) and Magnetic Secure Transmission (MST) technologies can be used with Samsung Pay. With NFC, you can pay by tapping your device on a payment terminal that supports it. With MST, you can pay by holding your Samsung device near a magnetic strip card reader, even if the terminal doesn’t support NFC.

Samsung Pay also has extra features like the ability to pay in-app and online, store loyalty cards, and work with Samsung Rewards. Apple Pay, on the other hand, is a service made by Apple Inc. that lets you pay with your phone and store your money digitally. It can be used on an iPhone, Apple Watch, iPad, or Mac. Apple Pay mostly uses NFC technology to make payments without touching anything.

Users can store their credit and debit cards safely in the Wallet app and pay for things by tapping their device to a payment terminal that supports it. Apple Pay also works for payments inside apps and online, so users can buy things inside apps and on websites that accept Apple Pay. Using biometric authentication methods like Touch ID or Face ID, it makes paying for things easy and safe. Apple Pay can also work with Apple Cash to make peer-to-peer payments, and eligible users can use the Apple Card to earn rewards.

Samsung pay vs Apple pay Comparison Table

FeaturesSamsung PayApple Pay
Supported devicesSamsung smartphones, selected smartwatches, and other Android devicesiPhone, Apple Watch, iPad, and Mac
NFC paymentsYesYes
MST paymentsYes (compatibility with older card terminals)No
In-app paymentsYesYes
Online paymentsYesYes
Loyalty cardsYesYes
Supported banks and cardsWide range of banks and credit/debit cardsWide range of banks and credit/debit cards
Rewards programsSamsung RewardsApple Card
Biometric authenticationFingerprint, Iris scan, Face recognitionTouch ID, Face ID
Transit integrationLimited supportApple Pay Express Transit (supported transit systems)
Peer-to-peer paymentsSamsung Pay CashApple Cash
Official linkVisit WebsiteVisit Website

Samsung pay vs Apple pay Ease of use

Samsung pay vs Apple pay

Samsung Pay works with a wider range of payment terminals because it uses both Near Field Communication (NFC) and Magnetic Secure Transmission (MST). Even if a store’s terminal doesn’t support NFC, you can still pay with your Samsung device by holding it near the magnetic strip card reader. Because it works in more places, Samsung Pay is more convenient and easy to use because it can be used in more places.

On the other hand, Apple Pay’s contactless payments are mostly done through NFC. Even though NFC is supported by a lot of modern payment terminals, you may still run into older terminals that don’t support it. In this case, you won’t be able to use Apple Pay, which could be a small problem.

In their mobile wallet apps, both Samsung Pay and Apple Pay have a simple and easy-to-use user interface. Adding payment cards is usually easy. You can scan the card or type in the details by hand. Both platforms also have ways to pay in-app and online, making it easy to do business in apps and websites that support them.

Both Samsung Pay and Apple Pay have options for convenient and safe biometric authentication. Depending on the device, Samsung Pay can be used with fingerprint scanning, iris scanning, and facial recognition. In the same way, Apple Pay uses Touch ID or Face ID, depending on what kind of iPhone or iPad you have, to verify your identity.

Samsung pay vs Apple pay Technology

Let’s agree that the fight between Apple Pay and Samsung Pay is fierce. But in the end, people like us who buy things will be the ones who benefit. There will be a winner because there is competition. When you compare the technology used by Samsung Pay and Apple Pay, you can see that they are very similar. For example, they both use near-field communication (NFC) technology to make fast transactions and contactless payments. With just a tap on the phone to a compatible terminal, your phone will let you know when a transaction goes through.

But, as we said before, Apply Pay doesn’t have the MST feature. So, the Apple Card is used to solve the problem. The Apple Card works just like Apple Pay. All of the necessary information is linked to your Apple Pay account, and it helps you keep track of your purchases and shows them visually on your Apple Pay account.

The magnetic secure transmission (MST) on Samsung Pay, on the other hand, means that this payment platform can be used almost anywhere. So, merchants can save some money so they can improve their sales systems. And that’s one of the reasons why merchants like Samsung Pay much better than Apple Pay. Both of these mobile payment systems work even when you don’t have service. That means a transaction can be made with just the app, even without WiFi or mobile data.

Samsung pay vs Apple pay Security

Samsung Pay has several layers of security. The verification code you put in when you set up the app is its first line of defense. This makes sure that you are the only one making transactions from your account. Samsung Pay is also protected by the security measures of their partner banks, and it uses a technology called tokenization. So, instead of getting your real card information, merchants only get random codes that have been encrypted.

What we like most about Samsung is that it took the initiative to add another layer of security with its Samsung Knox technology. It keeps an eye on the information and activity on your phone to make sure it’s always safe. On the other hand, Apple Pay also brags about the safety features of its hardware and software. Like Samsung, all transactions must be verified using TouchID, FaceID, or a passcode. It also uses tokens to make sure that merchants can’t see your credit or debit card information when you use NFC terminals. Apple Pay creates and stores tokens on a security chip that is built into the device.

Apple also says that it doesn’t keep your personal information or details about your transactions on any of its cloud servers. The Wallet app, on the other hand, usually keeps track of recent transactions and deletes them after a certain amount of time. And if you lose your phone, you can remotely delete all of the card information.

Samsung pay vs Apple pay Online payments

Samsung pay vs Apple pay

Through its mobile wallet app, Samsung Pay lets you pay for things online. Once you’ve added your payment cards to Samsung Pay, you can choose the card you want to use and confirm the transaction with your fingerprint, iris scan, or face recognition. When you buy something online, you can just choose Samsung Pay as your payment method and finish the transaction on a device that has been approved.

In the same way, Apple Pay makes it easy for people to pay online. With Apple Pay, the Wallet app on your iPhone, iPad, or Mac is a safe place to store your credit or debit cards. You can choose Apple Pay as your payment method when shopping online and verify the transaction with Touch ID or Face ID, depending on your device. This streamlined process gets rid of the need to enter card details by hand and makes online shopping easier and safer overall.

Tokenization is a security measure that both Samsung Pay and Apple Pay use. Instead of real card numbers, unique tokens are used instead. This makes sure that your sensitive payment information doesn’t get sent over the Internet when you buy something online. This lowers the risk of data breaches.

It’s important to know that the stores, apps, and websites you use can affect whether or not online payments are available. Even though both Samsung Pay and Apple Pay work with a wide range of online stores and apps, it’s best to check for compatibility and payment methods before making a purchase.

Samsung pay: Pros and Cons


  • Convenient and easy-to-use interface within the Samsung Pay app.
  • Ability to store and use loyalty cards, offering added convenience.
  • In-app and online payment options for seamless transactions.


  • Limited availability in some regions compared to Apple Pay.
  • May not be supported by all banks or financial institutions.
  • The MST technology might not be as widely accepted in newer payment terminals.

Apple pay: Pros and Cons


  • Wide acceptance at NFC-enabled payment terminals.
  • Secure and convenient payment method using Touch ID or Face ID authentication.
  • Extensive support from banks and financial institutions.
  • Apple Pay Express Transit integration for convenient transit payments in supported areas.


  • Limited to Apple devices, excluding Android users.
  • Availability of certain features may vary by region.
  • Not compatible with older magnetic strip card readers.
  • The need for an internet connection for online transactions.

Which one should you consider?

Apple Pay and Samsung Pay are both popular ways to pay with your phone, but there are some key differences between the two. Samsung Pay is more compatible because it works with both NFC and MST technologies. This means it can be used at a wider range of payment terminals. It also has things like in-app payments and storage for loyalty cards. But in some places, it may not be as easy to get.

Apple Pay, on the other hand, works well with all Apple devices and is widely accepted at payment terminals that have NFC. With features like Touch ID or Face ID authentication, it makes paying for things easy and safe. It also works with the Apple Cash feature and has a rewards program for the Apple Card. In the end, the choice between Samsung Pay and Apple Pay comes down to things like whether your device is compatible, whether terminals in your area support both, and which features are most important to you.


Is Samsung Pay or Apple Pay better?

Apple Pay is the best choice if security or convenience are important to you, and you want to be able to use the same payment system in person and online using your web browser. Samsung Pay is the most compatible payment method with terminals because it uses MST technology.

Is Apple Pay better than Android Pay?

Both Apple Pay and Google Wallet can do the same things. Apple may be easier to use, but Google has more features, like the Google Pay app that lets you pay for things with your phone. Apple Pay is probably easier for 13-year-olds and older to use for peer-to-peer (P2P) and retail payments, as long as parents keep an eye on them.

Amy Hinckley
Amy Hinckley
The Dell Inspiron 15 that her father purchased from QVC sparked the beginning of her interest in technology. At Bollyinside, Amy Hinckley is in charge of content editing and reviewing products. Amy's interests outside of working include going for bike rides, playing video games, and watching football when she's not at her laptop.
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