Google Pay vs. Samsung Pay : Which Is the Best Mobile Payment and Wallet App?

Google Pay vs. Samsung Pay: Which Is the Best Mobile Payment and Wallet App?.Google Pay vs Samsung Pay.

Contactless payment apps offer a secure and convenient way to pay with your smartphone. For non-iPhone users, there are two main players in this space – Samsung Pay and Google Pay.

In this article, we list the features and differences between Samsung Pay and Google Pay and describe which mobile payment app is the best to use.

What Is Google Pay?

Google Play, formerly known as Android Pay, is a mobile payment app that you can use to make purchases and send and receive money. To use it, all you have to do is unlock your phone and touch it to a contactless payment terminal.

Google Pay vs Samsung Pay

Here are the features of Google Pay:

Wide availability. Google Pay is available in 42 countries, second only to Apple Pay.Peer-to-peer payments. Easily send and receive money from friends and family with Google Pay Send. All you need is an email address. However, there is an additional charge for P2P and this service is currently only available in the US. Wide support for credit and debit cards. Google Pay supports most major credit cards and payment services, including American Express, Discover, MasterCard, Visa, and AMEX. It also supports most major banks – check the list on the Google support page. Google Pay also allows you to pay with PayPal.

Google Wallet stores your passes and cards. Google Pay allows you to store loyalty cards, memberships, and gift cards, as well as travel passes, tickets, and membership cards in one place.

Support for Wear OS smartwatches. You can install and use the Google Pay app through your Wear OS smartwatch. It just needs NFC (Near Field Communication) capabilities. Google Pay offers. You can sign up for Google Pay rewards and receive exclusive offers, collectibles, promo codes, and moreAdded security. Google Pay uses standard tokenization technology and NFC to send encrypted data to merchants, making them more secure than traditional credit cards. The app also allows you to scan fingerprints or face recognition, and there are limits on the amount you can buy or send through the app.

Where Google Pay Falls Short

Google Pay is packed with features, and for most users, it’s the perfect app. However, it has several disadvantages, including:

Limited options outside the US. P2P support is only available to US users, which is bad news for international users. Cluttered user interface. The revamped Google Pay app has been heavily criticized for its confusing layout. Making payments is easy enough, but sorting cards in your digital wallet can be difficult. Google Pay is not always accepted. While most stores now support Google Pay purchases, some don’t. You still need to carry a secondary payment method with you, which for some people eliminates the whole point of using a contactless payment app altogether.

What Is Samsung Pay?

Samsung Pay is a convenient contactless payment and one-touch digital wallet app available for Samsung phone owners. Just swipe up on the lock screen to open payment options, allowing you to pay instantly.

Samsung Pay recently overtook Google pay to become the second largest mobile payment app (after Apple Pay, the most popular app).

Features of Samsung Pay:

Availability in 29 countries. Although these are fewer countries than Google Pay supports, this list is constantly growing. Supports most major credit and debit cards. Samsung Pay supports most major payment platforms, including all major credit card companies. The full list is on their support site. Samsung Pay also offers support for PayPal payments.

Added security. Your Samsung Pay data is protected by Samsung Knox and tokenization. As with Google Pay, your card information is not sent to merchants. In addition, Samsung Pay allows you to use Find My Mobile to remotely lock your account or remove an app from your mobile phone. The app also supports fingerprint authentication and face recognition.

Where Samsung Pay Needs Improvement

Although Samsung Pay fulfills the basic requirements of a contactless payment app, it has three major flaws in terms of functionality.

Limited number of compatible smartphones. Samsung Pay is only available on Samsung smartphones and does not work on other Android models. If you decide to buy a non-Samsung device, you will need to set up Google Pay (or another alternative) as Samsung Pay will not be available. Despite this limitation, Samsung Pay has more active users than Google Pay.

Annoying amount of ads and pop-ups. A common frustration for Samsung users is the gradual introduction of ads into Samsung’s own apps, which is also true for Samsung Pay. Many users complain that intrusive ads even pop up during the payment process. Removing MST support. While more and more places are getting NFC terminals, many are still using MST. The latest Samsung models to support MST payments were the Samsung Note 20 series. Unfortunately, this was the main reason why many users chose to use Samsung rather than Google.

Samsung Pay vs. Google Pay: Which is Better?

Samsung Pay and Google Pay are similar in terms of the services they provide and the supported payment methods (including online payments). However, Google Pay supports more devices and is available in more countries.

The main reason for choosing Samsung Pay is that MST terminals are still mostly used in your area. In this case, you will not encounter the problem of being unable to pay with Google Pay. However, as NFC technology becomes more and more popular (and Samsung is phasing out support for it), this is not a decisive factor.

Google Pay offers US peer-to-peer payments, which can be useful in many situations and help you reduce the number of apps you need. This is possible with Samsung, but you also need to sign up for Samsung Pay Cash.

Another big reason to choose any app is the other accessories you have. For example, if you have a Samsung smartwatch, you’d be better off using Samsung Pay.

Which Should You Choose?

Both Google Pay and Samsung Pay are great choices if you want to jump into the world of universal contactless payment apps and card wallets.

Because the two apps are very similar, we recommend that you install both (they are both free to install) and give them a try. In this way, you will feel each of them and be able to choose the application that suits your preferences.