Apple Pay vs. Samsung Pay vs. Google Pay: Which cell fee system is finest?

So how do Apple Pay, Samsung Pay and Google Pay evaluate, and which one is extra broadly accepted proper now? Mobile funds might quickly make your pockets out of date by permitting you to pay with simply the faucet of your cellphone or smartwatch. But they’ve had a sluggish roll-out and never all choices are made equal. The three most established programs are from Apple, Samsung and Google, though some wearables from manufacturers resembling Garmin and Fitbit additionally supply their very own fee programs.

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Apple Pay vs. Samsung Pay vs. Google Pay


Mobile funds comparability

Samsung Pay

Apple Pay

Google Pay

Compatible units

Samsung Galaxy telephones for the reason that Galaxy Note 5, Gear Watch and Gear Watch Active, Gear S2 and S3

Apple iPhones for the reason that SE, Apple Watch, MacGuide Pro with TouchID, iPads since fifth technology, iPad Pro and iPad Mini

Android telephones with NFC and HCE assist operating KitKat (four.four) or larger

Availability (see observe under)

24 nations worldwide

41 nations worldwide

29 nations worldwide


Fingerprint, PIN or iris

FaceID or fingerprint

Fingerprint, PIN, sample or password

Where can you utilize?

Works with NFC, magnetic stripe or EMV terminals, in-app purchases

Works with NFC terminals, in-app purchases and net purchases in Safari

Works with NFC terminals, in-app and net purchases


Credit, debit, loyalty and present playing cards

Credit, debit and loyalty playing cards

Credit, debit, loyalty and present playing cards

Which banks?

Wide number of banks: full checklist right here; PayPal

Wide number of banks: full checklist right here

Wide number of banks: full checklist right here; PayPal

With regards to availability, as soon as you have added your playing cards to one among these cell wallets you need to be capable of use them in any nation that accepts contactless funds, so long as you’ll usually be capable of use your bodily card in that location. In the case of Samsung Pay, that additionally consists of any terminal with a magnetic card reader.


When you make a transaction with Samsung Pay, you may see a transaction notification pop up.

Lexy Savvides/CNET

Technology and availability

Apple Pay and Google Pay use NFC, or near-field communication, to energy contactless funds. Just faucet your cellphone to a appropriate terminal and the transaction is full.

Samsung Pay makes use of NFC and a know-how known as magnetic safe transmission (MST). When you maintain the cellphone towards any terminal, it emits a sign that simulates the magnetic strip on a card.

This means it really works with just about all terminals, with out the service provider having to replace their level of sale programs. The one scenario the place MST will not work is when that you must insert a card right into a slot, like at a gasoline station.

Offline funds are additionally supported on all three platforms, so you can also make a restricted variety of transactions in case you have no cell or Wi-Fi sign.

You are additionally in a position to make use of these cell wallets to faucet and go on public transit programs in numerous cities all over the world.

Advantage: Samsung Pay


Mobile fee programs use a way known as tokenization to maintain card particulars safe. Once you add your playing cards to the app, it generates a digital account quantity and your actual card quantity isn’t given to the service provider. When you faucet your cellphone to make a fee, it sends the tokenized card quantity and a cryptogram that acts like a password. The card community then verifies and processes the fee.

Apple requires you to authenticate utilizing TouchID (fingerprint), FaceID or PIN earlier than a fee can undergo.

Samsung requires an iris scan, fingerprint or PIN to substantiate purchases.

But Google Pay solely wants your cellphone to be unlocked with fingerprint, password, sample or PIN earlier than transactions can undergo.

If you lose your cellphone, all three can help you remotely wipe the system which may even take away all of your card particulars.

Advantage: Apple Pay (although TouchID continues to be extra handy than FaceID)


The Google Pay interface on a cellphone.


Other methods to pay

You’re not solely tied to the cellphone. Here’s how one can additionally use them:

Apple Pay: Apple Watch (in shops); on the iPad and Mac (for on-line purchases).
Google Pay: on some Android Wear watches.
Samsung Pay: Galaxy Watch, Galaxy Watch Active, Gear Sport, S2 and S3 (however MST assist is simply out there on the Gear S3).

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Apple Pay is accessible for browser funds in Safari, and you may have to authenticate together with your fingerprint or FaceID. You can do that from an iPhone or iPad; a MacGuide Pro with fingerprint assist; or a Mac and confirm with an iPhone or Apple Watch.

Google Pay affords browser funds as properly in Chrome, Safari and Firefox, however not many on-line shops use it but.

Samsung Pay and Google Pay work on the 340,000 websites that use Visa Checkout, in the event you’re purchasing out of your cellphone. Chase Pay customers even have the choice to hyperlink their wallets with Samsung Pay.

All three providers additionally work when testing in a number of apps.

Advantage: All three


Check your Apple Pay Cash steadiness by means of the Wallet app.

Jason Cipriani/CNET

Peer-to-peer funds

Apple Pay and Google Pay are the one two providers that allow you to pay associates. Samsung Pay doesn’t presently have a peer-to-peer possibility.

With Apple Pay Cash, you may ship cash to contacts with Apple IDs by means of iMessage. Unfortunately, meaning you are reduce off from anybody who would not have an Apple system. Money will be saved in your digital card within the Wallet app or you may withdraw to your checking account. Apple Pay Cash is simply out there within the US for now.

You pays any cellphone quantity or electronic mail deal with from the Google Pay app on iOS, Android or from the desktop interface. (This was beforehand discovered within the Google Pay Send app.) Like Apple Pay, you may preserve a steadiness or withdraw to your checking account.

Paying associates by means of Google Pay is accessible within the US and coming quickly to UK customers.

Advantage: Google Pay

Which one wins?

Ultimately, selecting one among these fee programs is tied to your ecosystem and availability in your location. For Apple customers, your solely alternative in the true world is Apple Pay, whereas Android customers should use Google Pay. Samsung house owners can select between Samsung Pay or Google Pay — you may have each in your cellphone, however you will want to set one because the default and alter that setting if you wish to use the opposite.

For sheer compatibility throughout the widest vary of terminals, Samsung Pay wins due to MST know-how. But paying in supported apps and web sites is most seamless with Apple Pay, and Google Pay affords essentially the most versatile solution to pay associates, no matter what cellphone they use.

Editors’ observe: This article was beforehand revealed on June 12, 2018. It is constantly up to date with new info.

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