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Samsung Pay FAQs for UECU Visa® Cardholders

Photo of Samsung App for Utilities Employees Credit UnionWhat is Samsung Pay?
Samsung Pay is a mobile payment service that works almost anywhere you can swipe or tap your card.* Each transaction uses a random token instead of your card number, which means your actual information isn’t shared when you shop and your details stay safe.

Which devices support Samsung Pay?

At this time, Samsung Pay can be used on Galaxy S7 edge, Galaxy S7, Galaxy S7 active, Galaxy S6 edge+, Galaxy S6 edge, Galaxy S6 active, Galaxy S6, Galaxy Note5, and Galaxy Note7 through AT&T™, T-Mobile®, Sprint®, US Cellular®, and Verizon®. Check the website http://www.samsung.com/us/samsung-pay/  for the most up-to-date information regarding supported devices.

How does Samsung Pay work?

Similar to other mobile payment services, you can add your eligible cards to your device. It will use tokenization so no real card numbers are stored on the device or used for payments, which means your actual information isn’t shared when you shop and your details stay safe. Payments will be made using Near Field Communication (NFC) contactless payments and MST.

What is MST (Magnetic Secure Transmission)?

MST is the technology that Samsung acquired from LoopPay that allows for the phone to be used for contactless payments even at mag stripe terminals. It creates a magnetic field to communicate card information to the terminal – as if a card was being swiped – but through a tap of the phone. This allows Samsung Pay to be accepted at nearly 90% of merchant terminals.

When can I begin using Samsung Pay?

Samsung Pay is now available to UECU members; you can add your Visa Power Card™ and Advantages Visa Debit Card™ to Samsung Pay.   

How do I set up Samsung Pay?

Check the Samsung Pay website, http://www.samsung.com/us/samsung-pay/ , for the most up-to-date information on setting up Samsung Pay.

How can I make a payment with Samsung Pay?

Check the Samsung Pay website, http://www.samsung.com/us/samsung-pay/ , for the most up-to-date information on making a payment with Samsung Pay. 

How many payment cards can I add in Samsung Pay?

A total of 10 payment cards can be added to Samsung Pay. These include credit cards, debit cards, and private-label credit cards (store credit cards). There is no limit to the number of gift cards that can be added to Samsung Pay.

Note: You can also add membership cards and loyalty cards to Samsung Pay as well, for directions on how to add those cards to your mobile wallet, visit http://www.samsung.com/us/support/owners/app/samsung-pay

Can I use the same payment card with more than one device using Samsung Pay?

There are no restrictions on adding the same payment card to multiple devices. For example, if you and your spouse share a credit card, you can add the card to both devices. Gift cards can only be added to one Samsung Pay account.

Will I continue to earn loyalty or rewards benefits from my credit and debit card(s)?

Yes, you will continue to receive VantagePoints™ with signature based “CREDIT” purchases.

What should I do if my device is lost or stolen?

Your payment information is not accessible without your fingerprint or Samsung Pay PIN. For added security, the Samsung Find My Mobile service can remotely lock or erase your payment cards in Samsung Pay. Alternatively, you can choose to erase your entire device and/or removable storage. When you lock Samsung Pay using Find My Mobile, all payments will be disabled on the device. For additional security, Samsung Pay will request UECU to suspend any transactions made from the device. If you locate your device, you can quickly unlock your cards by authenticating your identity by scanning your fingerprint or entering your Samsung Pay PIN.

Note: Please retain gift card confirmation emails in the event you need to re-add cards to Samsung Pay.

What if my physical Visa card is lost or stolen?

Please contact UECU as soon as possible. Once you receive your replacement card, you will go through the initial set up of providing the basic payment details to add the card to Samsung Pay.   

What should I do when I receive a new, renewed or replacement card?

For any new, renewed or replacement cards, you will go through the initial set up of providing the basic payment details to add the card to Samsung Pay.

How does Samsung Pay secure a transaction?

Samsung Pay transactions are authorized with your fingerprint and use a digital identifier instead of your card number. And even if your phone is compromised, Samsung Knox technology encrypts your card info within a separate, secure data vault. Your account and credit card information is NOT stored on your device.

Where is Samsung Pay available?

Samsung Pay is currently available in the US, for additional information on where Samsung Pay is available, visit http://www.samsung.com/us/samsung-pay/

Where can I use Samsung Pay?

Samsung Pay uses Near Field Communication (NFC) technology to process payments at tap-to-pay terminals and almost all magnetic-stripe and chip terminals. The MST is used when the phone is held against one of these registers. The phone emits a magnetic signal that simulates the magnetic strip found on the back of a credit or debit card.

Samsung Pay will not work with readers where you need to physically insert your card into a slot such as those found at gasoline stations and on an ATM.

Can I use Samsung Pay even without a Wi-Fi/cellular connection?

Yes, although you will only be able to make 10 payments without the device being on Wi-Fi or cellular data. You will also need to have an active internet connection to add a card and to access transaction history.

Does Samsung Pay also work for returns?

Yes, merchants may require you to hold the phone against the payment terminal in the same way as when you make a payment to process a return. Also, you will be asked to match the payment information on the receipt with the last four digits of your virtual card number. This is accessed through the Samsung Pay app.

Are my purchases protected under zero liability?
Yes. Whether you use a virtual card number or a physical Visa card, you are protected with Visa Zero Liability against fraudulent transactions**. Please contact UECU for more information.

How does Samsung Pay differ from Apple Pay or Android Pay?

The main difference is that Samsung Pay works at almost all stores that accept credit or debit cards, not just those with tap-to-pay NFC terminals.

Where can I view the full Terms of Use?

Please refer to your card agreement for terms and conditions.

Who do I contact for general questions about purchases made with my UECU Visa card(s) and Samsung Pay?

Please contact UECU at 800-288-6423 or via Live Chat at UECU.org during regular business hours, weekdays, 8 AM – 5 PM EST, Wednesdays until 3:30 PM EST.

Where can I find additional information?
To learn more about Samsung Pay, visit the official Samsung Pay website at http://www.samsung.com/us/support/owners/app/samsung-pay

 

*Available on Galaxy S7 edge, Galaxy S7, Galaxy S7 active, Galaxy S6 edge+, Galaxy S6 edge, Galaxy S6 active, Galaxy S6, Galaxy Note5, and Galaxy Note7 and other select Samsung devices, most major carriers and supported cards. See samsung.com/pay for complete list.

**The Visa Zero Liability policy covers U.S.–issued cards only and does not apply to ATM transactions, PIN transactions not processed by Visa, or certain commercial card transactions. Cardholder must notify issuer promptly of any unauthorized use. Consult issuer for additional details.