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Samsung Pay FAQ's

Everything you need to know about your Samsung Pay

About Samsung Pay?

What is Samsung Pay?

Samsung Pay is a secure and easy-to-use mobile payment service which is designed to make purchases almost everywhere.

Which devices will support Samsung Pay?

Samsung Pay will be available on the Galaxy S6, Galaxy S6 edge, Galaxy S6 edge, Galaxy Note5, Galaxy S7 and Galaxy S7 edge, Gear S2, Gear S3, Galaxy S8 and S8+.

Which payment cards can I register to Samsung Pay?

  • CSB b-packaged Mastercard®
  • CSB b-entertained Mastercard
  • Low Rate Mastercard
  • Low Rate Platinum Mastercard
  • Low Rate First Mastercard
  • RSPCA Mastercard
  • Platinum Rewards Mastercard
  • Qantas Platinum Mastercard
  • Business Credit Mastercard
  • Debit Mastercard
  • act. Mastercard Debit
  • Business Debit Mastercard

How many cards can I load into Samsung Pay?

You can register up to 10 payment cards in Samsung Pay, however you must be the owner or applicable signatory of all cards added.

Can I use Samsung Pay in foreign countries?

Samsung Pay can be used almost everywhere around the globe. If you can use your physical card in the country you are travelling to, you should be able to use Samsung Pay to make a payment.

How much does Samsung Pay cost?

The Samsung Pay application is preloaded onto Australian Samsung Pay eligible devices.  The application is also available for free download from Google Play Store for the Galaxy S8 and 8+, but does use a small amount of data, so data usage charges may apply.

Card transaction fees and charges may still apply.

Why should I use Samsung Pay instead of my plastic cards?

Samsung Pay offers a simple and convenient payment experience that doesn’t require searching through your wallet or purse. Your credit or debit card number will never be saved on your device.

Where can I find out more information about Samsung Pay?

You can read more about Samsung Pay on the Samsung Pay website.

 

Getting Started

How do I get Samsung Pay?

Samsung Pay is preloaded on Australian Samsung eligible smartphones.

How can I register my card in Samsung Pay?

  1. From the Home screen, touch Apps.
  2. Touch Samsung Pay.
  3. Touch ADD or, if this is the first payment card being added, touch Add a credit card or debit card.
  4. Align your card inside the frame to automatically detect the card number and expiration date.
    Note: Touch Enter card manually if your device cannot detect the card information.
  5. Please verify the information captured by the camera.
  6. 6.  Enter the remaining information and touch NEXT.
  7. Review the terms and conditions, and then touch AGREE TO ALL.
  8. Samsung Pay will prompt you to verify your digital card through Protect+Pay or through 1300 236 344.
  9. Touch DONE to complete the process.
  10. After your card is added to Samsung Pay, it will be verified by the payment card network (MasterCard) and Bendigo Bank. On average, verification will take approximately 5 to 10 minutes. During that time, you will be unable to use your card in Samsung Pay.
    Note: You can continue to add cards while others are being verified.
  11. After the card is verified, it can be used immediately to make a purchase.

How can I register my card in Samsung Pay on Gear?

You can register your compatible cards through Samsung Gear Manager. Here's how:

  1. Launch Samsung Gear Manager on your compatible Mobile.
  2. Connect your phone to Gear via Bluetooth if it is not already connected.
  3. Tap on "Open Samsung Pay" under Info tab or "Samsung Pay" on Settings tab.
  4. Tap on "Add card" shown on the screen to register your card. You will be required to set up a secure PIN in your Gear if you have not enabled the secure PIN lock.
  5. You can either scan your physical cards or enter your cards details to add your cards in Samsung Pay.
  6. Samsung Pay will prompt you to verify your digital card through Protect+Pay or through 1300 236 344.

What is a Samsung Pay Digital Card Number?

Samsung Pay doesn’t store a customer’s actual credit or debit card number. Instead it uses a Digital Card Number to represent the account information.

How do I make in-store purchases with Samsung Pay?

  1. Initiate Samsung Pay by either swiping-up from the home button or opening the Samsung Pay app from the home screen.
  2. Select the card you want to pay with by swiping left or right.
  3. Verify your fingerprint and touch your phone to either the card reader or NFC reader to complete the transaction. Alternatively, enter your 4-digit Samsung Pay PIN if you have chosen not to use the fingerprint feature. Please note that you must wait until the verification is over before touching your phone to the reader or an error might occur.  The Galaxy S8 and 8+, you can authenticate via iris scan.

Can I use Samsung Pay for In App payments?

In-App Payments are not supported at this point in time.

Can I use Samsung Pay to withdraw cash?

At this stage Samsung Pay will not work to withdraw cash at ATMs or in branch. You will need to continue using your plastic cards to complete these transactions.

Which card does Samsung Pay use when I pay?

There is not a "default" card in Samsung Pay. When you open the app or activate the Simple Pay feature by swiping up from the Home Key on supported screens, the first card displayed is either the last card you registered or the last card you viewed or used.

Does Samsung Pay work overseas?

Samsung Pay will work in all countries wherever Visa and MasterCard contactless payments are accepted.

We suggest you take your plastic card as a backup.

You can only perform a limited number of purchases without an internet connection.

Do I still get reward points when I use Samsung Pay?

Yes, if you are using a credit card with rewards you’ll continue earn points when using Samsung Pay.

Can I view transactions in Samsung Pay?

Up to 20 of your latest transactions1 made with Samsung Pay can be viewed in the Samsung Pay app for one month from the time of purchase. Simply tap on a registered card in the app to see all the Samsung Pay transactions made with that card2.

Additionally, a real-time3 push notifications with transaction details can be sent after each Samsung Pay purchase.

For a full list of transactions, login to Bendigo Bank e-banking.

1Some cards will only display the last 10 transactions
2Transaction information is not provided for all cards
3Real-time push notifications require an active internet connection

How do I return an item purchased with Samsung Pay in store?

If you need to return a purchase made with Samsung Pay, you may need your plastic card. Not all eftpos devices enable you to tap to complete your return.

You might also have to provide the last 4 digits of your Digital Card number. You can find your Digital Card number on the card details screen in your Samsung Pay app.

My Samsung Pay purchases aren’t working

There are several reasons your Samsung Pay purchase may not be working:

  • You have not registered a card

Make sure that you have an eligible and active Bendigo Bank card registered.

  • For payments over $100 you will be prompted to enter your card PIN on the Point Of Sale (POS)

The majority of retailers are set up to allow contactless payments over $100. However, not all retailers will accept Samsung Pay transactions for larger amounts. You may be asked to insert or swipe your plastic card.

  • You haven’t connected to the data network or Wi-Fi for a while

For security reasons there is a limit to the number of payments your device can make without connecting to the data network or Wi-Fi. Just go online using Wi-Fi or your data allowance, then your ‘offline’ transaction allowance will be reset automatically.

  • The card reader does not accept contactless payments

Not all retailers accept contactless payments yet. Please use another payment method such as your plastic debit or credit card.

If you’re still having problems, call the Bank on 1300 236 344 for further assistance.

 

Manage Your Card

How do I change my default card for Samsung Pay transactions?

There is not a "default" card in Samsung Pay. When you open the app or activate the Simple Pay feature by swiping up from the Home Key on supported screens, the first card displayed is either the last card you registered or the last card you viewed or used.

How do I remove a card?

On your phone

Open the Samsung Pay app.

Open the Credit/Debit Cards screen.

Touch the card you want to remove.

Press the three dots in the top right hand corner of your phone’s screen and hit delete card.

If I receive a replacement Bendigo Bank card, do I need to add my card again?

No, if you have retained the same card number, once you have activated your Bendigo Bank replacement card, your Samsung Digital Card Account Number will automatically be updated with your new card details.

If you receive a new card with a different 16 digit card number, you will need to add this as a new card and remove your old card.

Why is the card image in Samsung Pay different to my actual card?

There are several reasons why your Samsung Pay card image may differ from the one on your plastic card:

  • You may have a personalised card. If so, Samsung Pay will show a generic image of the card.
  • The card image for your plastic card has been updated. You may need to re-register the card in Samsung Pay to make the images match. However, the image shown does not affect the use of the card with Samsung Pay.

How do I update Samsung Pay if my card is lost or stolen?

Please call the Bank immediately. We will cancel your card and order you a replacement.

Once your card is cancelled, you will be unable to perform purchases with the associated Samsung Pay Digital Card Number.

Once you have activated your replacement card you can load it into Samsung Pay to start transacting instantly.

What happens if my phone is lost or stolen?

If your device is lost or stolen, you can use Samsung’s Find My Mobile service to remotely Lock or Wipe your device (also Locking or Wiping Samsung Pay and all the payment cards registered in it).

Alternatively, call the Bank on 1300 236 344 (1300 BENDIGO) and we'll suspend or delete your Samsung Pay Digital Card Numbers.

You can still use your plastic card.

How do I update Samsung Pay if my device is upgraded or replaced?

If you replace or upgrade your device, you’ll need to add your card(s) again to Samsung Pay using the same set up process as you did before.

Be sure to remove your card(s) from Samsung Pay if you no longer use the app or you sell your phone.

 

Security

Is Samsung Pay secure?

Using your Bendigo Bank cards with Samsung Pay is secure:

Purchases over $100 require you to enter your card PIN into the terminal.

When you use Samsung Pay, your card number is never shared with the merchant or saved on your device.

Bendigo Bank monitors unusual activity across all your transactions 24/7.

And don’t forget, you are still protected by MasterCard’s Zero Liability Policies.

What card data is stored on the phone?

Samsung Pay doesn’t store your actual credit or debit card number. Instead we use a Digital Card number to represent your account information — so your card details stay safe.

How do I keep my device and card details secure?

Contact us as soon as possible if you suspect any unauthorised use of your device, if it is lost/stolen, or if you think your details have been compromised.

Register your device through your Samsung account. This will allow you to find, lock and delete details on your phone if it’s lost or stolen.

Never leave your device unattended.

Use appropriate security on your device such as passcodes and fingerprint recognition.
Only register your own fingerprint (if your device supports this feature).

Please be aware of unsolicited messages asking you to install software, to allow access to your devices or to reveal any personal or financial information.

Use anti-virus software, update it regularly and accept any updates to the Device’s OS.

 

Frequently Asked Questions for Merchants

Can I accept Samsung Pay on my eftpos or mpos device?

Yes, Samsung Pay can be accepted anywhere MasterCard and Visa contactless purchases are accepted today.

If you're not able to accept contactless payments on your terminal, please contact us on 1300 720 356 and we will look to upgrade your terminal.

Are there any fees to accept Samsung Pay payments?

There are no additional fees to accept Samsung Pay.

Do customers need to enter their PIN for the payment?

Like a card, Samsung Pay purchases under $100 do not need to be authorised.

However, purchases greater than $100 require the customer to unlock their device. The terminal may also prompt for a card PIN.

What is a Samsung Pay Digital Card Number?

Samsung Pay doesn’t store a customer’s actual credit or debit card number. Instead it uses a Digital Card Number to represent the account information.

How do I perform a refund for a Samsung Pay purchase?

You can perform a refund using a Samsung Pay Digital Card Number the same way you would for a plastic card.

When the eftpos terminal is ready, the customer can tap their device to the terminal and authorise by signing the merchant receipt.

You can also process the refund using the customer’s plastic card.

What happens if I receive a charge back for a Samsung Pay purchase?

Samsung Pay purchases are treated in the same way as current Visa and MasterCard credit and debit transaction so you will have the same liability rules applied to Samsung Pay transactions.

For further information regarding your liability for contactless purchases please refer to your Merchant Terms and Conditions which can be found at Payment Merchant Services.

How do I promote that I can accept Samsung Pay?

We currently provide an “EFTPOS Available Here” door sticker that promotes the acceptance of contactless payments. If you would like a new door sticker please contact us on 1300 132 741.

Bendigo and Adelaide Bank Limited, ABN 11 068 049 178 AFSL / Australian Credit Licence 237879. Any advice provided on this website is of a general nature only and does not take into account your personal needs, objectives and financial circumstances. You should consider whether it is appropriate for your situation. Please read the applicable Disclosure Documents before acquiring any product described on this website. Please also review our Financial Services Guide (FSG) before accessing information on this website. Information on this page can change without notice to you.

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