Apple Pay vs. Samsung Pay vs. Google Pay: Which mobile payment system is best?

CNET | 6/12/2018 | Lexy Savvides,
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Mobile payment systems want you to swap your wallet for a phone.

Rather than carrying around cash and cards, just tap your phone to pay. Currently, the three most established systems are from Apple, Samsung and Google, although some wearables from brands like Garmin and Fitbit also offer their own payment systems.

Apple - Pay - Samsung - Pay - Google

So how do Apple Pay, Samsung Pay and Google Pay compare and which one is best?


Regards - Availability - Cards - Wallets - Country

With regards to availability, once you've added your cards to one of these mobile wallets you should be able to use them in any country that accepts contactless payments, as long as you would normally be able to use your physical card in that location. In the case of Samsung Pay, that also includes any terminal with a magnetic card reader.

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

Apple - Pay - Google - Pay - Use

Apple Pay and Google Pay use NFC, or near-field communication, to power contactless payments. Just tap your phone to a compatible terminal and the transaction is complete.

Samsung Pay uses NFC and a technology called magnetic secure transmission (MST). When you hold the phone against any terminal, it emits a signal that simulates the magnetic strip on a card.

Terminals - Merchant - Point - Sale - Systems

This means it works with pretty much all terminals, without the merchant having to update their point of sale systems. The one situation where MST won't work is when you need to insert a card into a slot, like at a gas station.

Offline payments are also supported on all three platforms, so you can make a limited number of transactions if you have no cell or Wi-Fi signal.

Payment - Systems - Method - Tokenization - Card

Mobile payment systems use a method called tokenization to keep card details secure. Once you add your cards to the app, it generates a virtual account number and your real card number is never given to...
(Excerpt) Read more at: CNET
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