samsung pay vs google pay - a point to point comparison
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Samsung Pay vs Google Pay (GPay) – A Point to Point Comparison

Google Pay vs Samsung Pay: Which One Is Right for You?

Here’s the thing:

The age of smart payment systems is here.

We use our smartphones in every little thing that we do every day. These devices help us in our daily tasks, schoolwork, job assignments, and more. And now, we can even use our Android phones to transfer money and pay for the products and services we purchase.

How?

Well, there are digital wallet applications you can download on your Android phones that give these perks to users. But, there are a lot of these apps available in the App Store. So in this article, we will discuss two virtual wallet apps, Samsung Pay and Google Pay, to know which is perfect for you.

So how are we going to discuss these services?

The Google Pay vs Samsung Pay comparison is going to be very straightforward. Because let us be honest, both services serve the ultimate purpose of allowing you to pay quickly using your smartphones. We have already discussed Android Pay vs. Apple Pay in a previous article, so in this article, we focused on the main differences between these Android payment systems.

Now, if you want to know which between Samsung Pay and Google Pay is the most suitable for you, without further ado, let us get to it.

Related: The Evolution of Google Pay: Android Pay and Google Wallet

What are these “Pays”?

Google Pay using Sales Systems

In layman’s terms, these are apps that you can download and install on your smartphone, which requires you to enter your credit card or bank information and then use it to make over-the-counter payments. However, not all stores have the option of utilizing these.

But, what makes these smart payments smart?

Google Pay and Samsung Pay allow you to go completely cashless or carry very little cash. The methods may vary between the two, but the basic concept of taking your smartphone to make payments remains the same across both services.

What is Google Pay?

google pay gpay

Google Pay, owned and developed by Google, is a digital wallet platform and online payment system. It empowers in-app and tap-to-pay purchases on mobile devices, enabling users to make payments with Android phones, tablets, or watches that are supported and uses NFC.

Amazing, right?

Google Pay, formerly known as Android Pay, was first launched in 2015. There was already a version of payments implemented by Google called Google Wallet, and Android Pay was its natural evolution. However, it also remained in service until Google decided to merge them.

What is Samsung Pay?

samsung-pay

Similar to Google Pay, Samsung Pay is also a mobile payment and digital wallet service developed by Samsung Electronics and is exclusive to Samsung devices. This service lets users make payments using compatible phones and other Samsung-produced devices.

Samsung Pay was initially launched in South Korea in August 2015 and eventually came to the USA a few weeks later and then saw a release in Australia in June 2016. There are a lot of different regions that don’t support Samsung Pay at all, so it is a minimal service as of now.

Behind the Scenes

Interestingly, smartphones have become one of the media of transactions. Although technically, it still uses your credit card or bank account to make purchases.

So how does each of these “pay” work?

how Google Pay works

How does Google Pay Work?

Google Pay uses NFC technology to interact with point-of-sale devices that support NFC technology. You’ll have to download the app, register your credit card, and to use it, tap your smartphone on the machine, to make the payment.

Easy, right?

Google Pay works by facilitating a tokenization process in which a token acts as a stand-in for a customer’s actual credit and debit card numbers and information to protect your account information.

How does Samsung Pay work?

This part is where Samsung differs a bit. Sure, it can also use NFC technology built on your smartphone to make payments.

But, even if the point-of-sale machine does not support NFC technology, you’ll be able to do payments thanks to MST technology that the latest Samsung smartphones have. MST or “Magnetic Secure Transmission” interacts directly with the machine and allows you to make payments, which is very similar to credit card transactions.

Also, Samsung Pay uses tokenization, and you authorize transactions with a PIN, fingerprint, and eye scans. After numerous failed attempts to authenticate, Samsung Pay erases all the data in your card to prevent unauthorized use.

Point to Point Comparison

You might find yourself asking, “Which is better? Google Pay or Samsung Pay?”

Comparing Google Pay and Samsung Pay is inevitable, mainly because they offer similar services. The chart below will give you an overview of each method’s performance based on specific criteria.

POINT OF COMPARISONGOOGLE PAYSAMSUNG PAY
ConvenienceVery convenientVery convenient
Ease of UseContactless Payments Over NFCCredit Card Accepted Terminals
AvailabilitySupported in 140 CountriesSupported in 24 Countries
Payment TechnologyNFC TechnologyMagnetic field (Credit Cards)
CompatibilityAndroid NFC CompatibleExclusive to Samsung Phones
LongevityNFC Technology – World Wide StandardSamsung Phone Only Restriction
SecurityUses tokenization to keep your information safe. Each of your payment information is encrypted and stored on a secure server.Uses tokenization and transactions require authorization from the user through PINs, fingerprint, or other scans.

Google Pay VS Samsung Pay

Let’s discuss the last three points on the table:

1. Payment Technology

Payment Technology
How Samsung Pay Works

Here’s the thing:

Samsung Pay creates a magnetic field similar to your credit card but can outdo the swiping motion we usually do with our credit cards. All you need to do is take your smartphone near to the point-of-sale machine, and that’s about it.

There is an MST antenna built into the latest Samsung smartphones that can trick the magnetic strip card readers into believing that you are swiping a card. It can do that by creating a magnetic field for a short amount of duration.

Still…

This feature is only available in Australia and the US, which means that Samsung Pay has a very distinct advantage over Google Pay in the US and Australia. However, if you are in the UK, there is no advantage of using Samsung Pay because there are already contactless terminals installed there.

International Usability
International Usability

2. Compatibility

When it comes to compatibility, Samsung is at a big drawback because Google Pay works with almost any Android smartphone that has NFC built-in. Meanwhile, Samsung Pay is available to Samsung devices only.

You see:

This payment method depends on the popularity of their smartphones, which is significant, of course, but it is nowhere near the reach of Android itself.

google-pay-vs-samsung-pay-gpay-phone
Google Pay uses NFC

Many Android smartphones come with NFC technology. Many other manufacturers are coping up with Samsung in terms of sales.

Chinese companies like Huawei, Oppo, and Xiaomi are selling millions of smartphones each year. And almost all the smartphones they release come with NFC technology, meaning that Google Pay wins when it comes to compatibility.

3. Longevity

Google Pay
GPay

While the MST technology on Samsung smartphones is remarkable, NFC is becoming the universal norm rapidly. It is already trendy in the UK and other European countries, so the relevance of MST will dwindle over time as the world adapts NFC technology more and more.

In a few years, almost every point-of-sale machine could come with NFC technology to make payments more manageable. Yes, Samsung can also make payments via NFC technology, but so can Google Pay, and it is available on more devices overall.

FAQs

Samsung Pay – Samsung Galaxy S10+

If you wish to use Samsung Pay, you need to have the supported devices. If you’re new to Samsung Pay and are willing to purchase Samsung devices for you to be able to use it, then we highly recommend getting a Samsung Galaxy S10+.

Samsung Pay - Samsung Galaxy S10+
Samsung Galaxy S10+

The Samsung S10+ is one of the brands’ flagship smartphone models for the year 2019. So if you plan to use Samsung Pay, then the best way to do it is by having the best device from Samsung. If you are interested in purchasing this device, you can click the Amazon button we placed below.

amazon-buy-button-3

Google Pay – Google Pixel 4

On the other hand, if you want something that is supported by more countries and is backed up by the biggest tech company, Google, then Google Pay is the service for you. With Google Pay, you can use it on any Android smartphone devices that have a built-in NFC.

Although, if you genuinely want to enjoy the full potential of Android and Google Pay, then getting a Google Pixel 4 Android smartphone is the way to go.

Google Pay - Google Pixel 4
Google Pixel 4

With Google Pixel 4 smartphone, you can enjoy the authentic experience of Android without that unwanted bloatware that comes from other brands. Furthermore, smartphones that run on pure Android are the ones that get the Android update first before anyone else.

amazon-buy-button-3

To Sum It All Up

The comparison between Google Pay and Samsung Pay becomes a lot easier when we lay down all the cards on the table. All though at the end of the day, it will all go down to individual preferences and certain factors such as the current phone you are using right now, country of residence, and more.

  • If you have a Samsung device and your country hasn’t caught up on NFC technology yet, Samsung Pay is the obvious choice.
  • If you have any Android device that has NFC enabled and your country has a lot of point-of-sale machines that support NFC, then Google Pay is the best choice.

Hopefully, this simple Google Pay vs. Samsung Pay comparison will help you choose the best payment method for yourself. Both are entirely free to use, and you can keep both services on your Samsung smartphones. Of course, Google Pay is your only option for non-Samsung smartphones.

Before choosing which method to use, make sure to check if your bank or card is compatible with the service. You wouldn’t want to find your bank incompatible with your payment service, right?

What are your thoughts on these payment methods? Which one of the services appeals to you the most? Do tell us in the comment section.

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10 Comments

  1. May I ask, why is Google Pay actually better? I live in the UK (many NFC terminals) and have a Samsung, but why is Google Pay better for me? I don’t really see the reasoning behind the conclusion but am interested to know!

  2. “When it comes to compatibility, Samsung is at a big drawback. Google Pay works with almost any Android smartphone that has NFC built-in. Meanwhile, Samsung Pay is restricted to Samsung devices only.”

    I am not sure I follow the logic on your points of compatibility. On the phone side, Samsung does both MST AND NFC so that means Samsung Pay (not Google Pay) has the clear advantage as it will do both, At the terminal side Samsung also seems to have the same advantage as it will do both MST and NFC making it more compatible overall. This seems like you are spinning the facts to give a biased opinion.

  3. After reading the article I decided to opt for Samsung Pay as I have a Samsung phone, only to discover that my bank, Royal Bank of Scotland, does not support Samsung Pay. No mention of banks signed up to these services.

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