![]() The first payment card you add automatically becomes a Favorite Card, but if you have multiple cards entered, you need to choose a Favorite Card. I also had to call my bank to authorize the setup, but that varies depending on how your bank's security is set up some simply require a text message or email verification. Next, you agree to the usual verbose terms of service. Adding a credit or debit card starts with simply framing the card in the camera rectangle that appears when you choose to add a card and then entering the expiration date, CVV number, and ZIP code. I set it up on a Galaxy Note 8, which involved creating a Samsung account and PIN. ![]() In fact, it's preinstalled on many Samsung phones. The app and service work on most recent Samsung phone models, dating back to the Galaxy S6. It's a decent option if you own a recent Samsung smartphone, but it lacks person-to-person paying, a web interface, and cross-platform support. Samsung Pay also offers NFC payments, loyalty plans, and Visa Checkout online. The newest addition to the app is Samsung Money by SoFi, a no-fee, interest-bearing cash management account. It was the first to offer a rewards program, and remains the only app that lets you pay at non-NFC magnetic credit card terminals-thought that's far less of an issue these days. ![]() In several ways, Samsung Pay has been more innovative than the payment app competition from Apple and Google.
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