Samsung Pay FAQ

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

Samsung Pay is available on Australian Samsung Smartphones only. Samsung devices from other countries may not support Samsung Pay in Australia.

A: Samsung Pay uses Near Field Communication (NFC) to make contactless mobile payments. NFC helps enable compatible Samsung devices to make secure transactions.

A: Visit www.samsung.com/au/apps/samsungpay/#compatibility for full list of eligible devices.

A: Samsung Pay offers a simple and convenient payment experience that doesn’t require searching through your wallet or purse. Additionally, Samsung Pay adds a level of security to your payment information that physical cards don’t have. Your credit or debit card number will never be saved on your device. When you make a payment with Samsung Pay, only a token and a cryptogram that is only valid for that particular payment are transmitted to the card reader.

A: Follow the below steps to install Samsung Pay on your smartphone:

1. From the Home screen, touch Apps.
2. Touch Samsung Pay.
3. Touch INSTALL to download the necessary files.
4. If there are updates to the built-in application, touch INSTALL.
5. Touch OPEN to start using Samsung Pay.

A: Follow the below steps to setup Samsung Pay:

1. From the Home screen, touch Apps.
2. Touch Samsung Pay.
3. The first time you open Samsung Pay, a short introduction video will play.
   Note: Touch SKIP to bypass the introduction and continue the setup process.
4. Your Samsung account will be automatically linked to Samsung Pay. Touch START to continue.
   Note: If you have yet to sign in to your Samsung account, touch SIGN IN and enter your email address and password information. If you do not have an account, you can create a Samsung account on your device.
5. Touch USE FINGERPRINT to assign your fingerprint as the verification method. If you have not registered your fingerprint on the device, you will be given the chance to add a fingerprint. It will walk you through adding a fingerprint for the first time.
   Note: You can also assign a four-digit Samsung Pay PIN code instead of using your fingerprint. Touch Skip and use Samsung Pay PIN.
   Here is how to set up the fingerprint
   1. If you have a secure lock on your device other than a fingerprint, enter the password, PIN, or pattern.
   2. Place your finger on the Home key, and then lift it off once you feel a vibration. Repeat until you have reached 100%. To ensure your whole fingerprint is recorded, move your finger slightly each time you touch the key, fully covering the key with your finger.
6. Scan the fingerprint you just registered for verification.
7. Create a Samsung Pay PIN for payment authentication and application protection.
8. Re-enter the PIN to confirm.

You are now ready to add your G&C Mutual Bank card and use Samsung Pay.

A: Follow the below steps to add your G&C Mutual Bank card to 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. Enter the remaining information and touch NEXT.
7. Review the terms and conditions, and then touch AGREE TO ALL.
8. If necessary, select a method to authenticate your identity using a one-time password (OTP) or by contacting us.
9. Enter the OTP and touch SUBMIT.
10. Enter your signature like you would sign on the back of your card and touch SAVE.
    Note: If you are unsatisfied with your signature, touch Retry to sign again.
11. Touch DONE to complete the process.

After your card is added to Samsung Pay, it will be verified by Visa and G&C Mutual 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.

After your G&C Mutual Bank card is verified, it can be used immediately to make a purchase.

A: To make in-store purchases with Samsung Pay you first need to initiate Samsung Pay by either swiping-up from the home button or opening the Samsung Pay app from the home screen. Then, select your G&C Mutual Bank card by swiping left or right. 

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.

A: Samsung Pay is accepted where Visa, Mastercard, American Express and eftpos are accepted.

A: Yes. Samsung Pay for in-app and online payment is available for select apps and online checkouts.

A: All purchases made with Samsung Pay can be returned according to the store’s policies. If you return an item paid for with Samsung Pay, the store may require you to tap your phone onto either the card reader or the NFC reader to complete the return.

A: Samsung Pay requires an active internet connection for card registration and activation. However, an active internet connection is not required to make in-store purchases. Ideally, the device should connect to the internet once per day to ensure that Samsung Pay stays up to date. Cards should allow you to make up to 10 transactions before you will need to connect to the internet and refresh the Samsung Pay token.

A: If your card is lost or stolen you should contact us straight away so the lost or stolen card can be cancelled and no further purchases made. When the replacement card is issued we will automatically update Samsung Pay with your new card details. In some cases you may need to remove the original card from Samsung Pay and register the replacement card.

A: Yes. If you disable Samsung Pay or remove your G&C Mutual Bank card, you are only suspending the token, or digital card number, that has been assigned to your device for that card. If your card is lost or stolen you should contact us straight away so the lost or stolen card can be cancelled and no further purchases made.

A: 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.

A: Samsung Pay uses Tokenization, a Secure Environment, and Samsung KNOX to secure your payment information. Additionally, you verify either using your fingerprint or a 4-digit PIN when making purchases.

Tokenization is a method of replacing your sensitive payment card information (Card Number, Expiration Date, Security code, etc.) with a device-specific ‘Token’ which acts as a surrogate value. In mobile payments, Tokens are used to protect your payment information and to help reduce the security risks inherent to plastic cards.

A Secure Environment is a physically segregated chip in the phone which only allows access to highly sensitive operations/information such as fingerprint and payment information. Normal applications and malware have no access to the information in a Secure Environment.

Samsung KNOX runs scans to see if your device is secure. Samsung KNOX can permanently disable Samsung Pay on a compromised device in order to help protect your payment information.

A: No. Samsung does not store your personal/payment information on a Samsung server or the device.

Samsung Pay does not change the way your payment information is stored or handled when you make purchases. Your payment information will continue to be managed by G&C Mutual Bank and the card network.

Only a device-specific Token, which is used to replace your sensitive payment information, is stored on the device.

A: 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). If you do not have access to Samsung's Find My Mobile service you should contact us on 1300 364 400 to request that your card be disable for use with Samsung Pay.

A: Yes, you would need to register your G&C Mutual Bank card on the new phone if you were to change your phone as no data will be stored in the application.

A: No. Samsung Pay does not have access to your G&C Mutual Bank account.

A: No. Formatting your device will remove all payment cards registered to your device.