With Samsung Pay, either NFC or MST technology can be used to make contactless transactions. The key difference is that NFC requires an NFC-enabled card reader (newer technology available at fewer U.S. retailers) whereas MST works with many more types of card readers. Because Samsung Pay incorporates both NFC and MST technologies, it works almost anywhere you can swipe or tap your card.
Your Unitus Community Credit Union debit and credit cards are provided with the built-in security of Unitus Community Credit Union’s fraud monitoring and Visa’s Zero Liability Policy protection. If your card or its number is ever lost or stolen, you’re not responsible for unauthorized transactions when you report them promptly.
To dispute a debit card or credit card transaction, please call Unitus at 1.800.452.0900, opt. 1, Monday – Friday 7:25 AM – 6:05 PM or Saturday 7:30 AM – 4:00 PM.
Please see the Samsung Pay support page for more information on device compatibility and merchant terminal limitations.
©2016 Samsung Electronics America, Inc. Samsung, Samsung Pay, Samsung Galaxy, Samsung Knox, Samsung Gear, Galaxy S and Gear S (and other device names) are trademarks or registered trademarks of Samsung Electronics Co., Ltd. Use only in accordance with law. Other company and product names mentioned may be trademarks of their respective owners. Screen images are simulated; actual appearance may vary. Contact your bank or financial institution to verify that it is a Samsung Pay participant. Samsung Pay is available on select Samsung devices.
No. You cannot directly import cards which have been enrolled in Samsung Pay. Adding a card to Samsung Pay on your Samsung phone doesn’t automatically add the card to your Gear smartwatch. Conversely, adding a card to your smartwatch doesn’t automatically add the card to your phone. However, the same card can be added separately to both your Samsung phone and the Gear smartwatch. Or, you can add a card to your smartwatch and not add it to your phone.
If the purchase was made using your Samsung phone, you can view your transaction history in the Samsung Pay app. If the purchase was made using your Gear smartwatch, you can view your transaction history in the Samsung Gear app. Additionally, digital wallet transactions made with your Unitus Visa credit or debit cards will appear on your Unitus account history screen (online and mobile) and account statement.
Please call Unitus Community Credit Union at 1.800.452.0900, opt. 1, Monday – Friday 7:30 AM – 5:30 PM and indicate that you use your card(s) with Samsung Pay. We will disable your card for use with Samsung Pay. Please call 1.888.241.7054 opt. 3 after hours. We also recommend that you report your lost smartwatch through the Samsung Gear app on your phone.
Near Field Communication (NFC): NFC is a technology that enables devices in close proximity to communicate. Payment transactions using NFC technology require a contactless terminal and an NFC-enabled mobile device. NFC (Near Field Communication) wirelessly transmits data using radio waves. Samsung Pay uses NFC to wirelessly transmit payment information to payment terminals with NFC readers that have been activated for use.
Magnetic Secure Transmission (MST): Is a groundbreaking technology for sending data using magnetic waves or signals to the same card reader retailers have been using for years for swiped transactions. It replicates a card swipe by wirelessly transmitting magnetic waves to a standard card reader, enabling most card readers to receive mobile payments, except gas station pumps.
If you make a Samsung Pay purchase with your card, the merchant may request authorization for an initial amount and send us the actual transaction amount later for payment. The initial authorized amount appears in your Samsung Pay transaction history, but the actual transaction amount is deducted from your account.
This happens frequently in places where:
- You can add a tip (restaurants, salons)
- There can be a significant difference between the amount that’s authorized initially and the actual transaction amount (hotels, car rental agencies)
For most card purchases, we receive the payment request, including the actual transaction amount, within 3 business days of the transaction.
Keep track of your transactions and ensure you have sufficient funds in your accounts to cover the final payment.
No, an active internet connection is not required to make in-store purchases, but your device should connect to the internet at least once per day to ensure that Samsung Pay stays up to date and remains active. Samsung Pay does require an active internet connection to activate the app or add a new card.
Samsung Pay will work with most Unitus consumer and small business Visa® credit cards and debit cards.
For best results, hover your device about one-half inch over the card reader above where you’d usually swipe or tap a physical card. If the transaction doesn’t process, move your device slowly across the terminal.
For current information regarding participating retailers please visit Samsung Pay.
The Samsung Pay app controls the Samsung Pay service on the phone, which includes which cards are added, transactional history, etc. The Samsung Gear app is a separate app on the phone that enables members to manage their Gear smartwatch. It controls the Samsung Pay service on the Gear smartwatch, which also includes what cards are added, transactional history, etc.
- Open the Samsung Gear app on your phone.
- Tap Samsung Pay.
- Tap Add card.
- Take a picture of the card, or manually enter the card number, cardholder name, expiration date, CVC/CVV code and zip code.
If requested, follow any additional steps to activate and verify your card. Samsung Pay requires that Gear users activate a security PIN to use the service. If you do not already have a PIN, you will be asked to create one.
Start by either swiping-up from the home button or opening the Samsung Pay app from your home screen. Next, select the card you want to pay with. Then, verify using your fingerprint and hover your device about ½ inch over the card reader where you’d usually swipe or tap your physical card to complete the transaction. If you prefer, you can set up Samsung Pay to use a Personal identification Number (PIN) instead of your fingerprint for verification.
You can use Samsung Pay on your Gear smartwatch to make purchases at merchants equipped with Near Field Communication (NFC) or Magnetic Secure Transmission (MST) terminals.
The safety and security of your account information is of the highest importance.
As a security measure, you may receive a “verification required” message when adding your card to Samsung Pay. Once verified, an on-screen message will appear stating that the card is ready for use. This verification is part of our multi-layered approach to security in payments.
Additionally, when we review mobile wallet providers we look for payment safety, quality of service, and ease of use for our members. When you make payments with Samsung Pay and your Unitus Community Credit Union card(s):
- Your full card number is not stored on your mobile device.
- All transactions are monitored 24×7 by Unitus Community Credit Union’s best of class risk and fraud detection systems.
- Purchases made using Samsung Pay are covered by Visa’s Zero Liability protection, so you won’t be held responsible for promptly reported unauthorized transactions.
Yes, you can use up to 10 cards with Samsung Pay. You can easily switch between cards whenever you make a purchase.
Samsung Pay is automatically installed through a software update for eligible devices. Please visit Samsung Pay for installation support.
Most transactions made through Samsung Pay are viewable shortly after processing, for one month from the time of purchase. Simply open the app and tap on a card to see the last 10 Samsung Pay transactions made with that card. Additionally, a push notification with transaction details will be sent to your device after each Samsung Pay purchase. Note: Push notifications require an active internet connection.
Not yet. Currently Samsung Pay can be used for in-store payments only.
Samsung Pay allows you to use the Galaxy S6, S6 active, S6 edge, S6 edge+ and Note 5 to make in-store mobile payments through the use of proprietary built-in technology. It spans beyond locations where merchants accept tap and pay because the technology works on new card readers as well as most of those that have been in place for years. Please visit Samsung Pay for the most current features and benefits.
No. Once your smartwatch has an active card, it can be used independently of the phone for payment. Your phone is not needed to pay at the store.
If your device is lost or stolen, you can use Samsung’s Find My Mobile service to try to find it. We recommend remotely disabling the cards from Samsung Pay.
We also recommend notifying your mobile carrier and calling Unitus Community Credit Union at 1.800.452.0900, opt. 1, Monday – Friday 7:30 AM – 5:30 PM. Mention that you added your card to Samsung Pay so we can disable your card for use with Samsung Pay. Please call 1.888.241.7054 opt. 3 after hours. If you locate your device, you will need to add your card back to Samsung Pay before making any Samsung Pay purchases.
Samsung Pay works almost anywhere you can swipe or tap your card. Note that Samsung Pay does not currently work at gas station pumps where you have to insert your card, but it will work at most gas station cashier card readers. Please visit Samsung Pay for specific details regarding participating merchants.
Samsung Pay allows you to use compatible Samsung phones and Gear smartwatches to make in-store mobile payments through the use of proprietary built-in technology. It spans locations where merchants accept tap and pay because the technology works on new card readers as well as most of those that have been in place for years. Please visit Samsung Pay for a full list of compatible devices.
Android phones running Android OS version 4.4 and above support Samsung Pay on Samsung Gear smartwatches, through the Samsung Gear app. For the most up to date information on supported applications and devices, please visit Samsung Pay.
Samsung Pay uses proprietary technology that works with both Magnetic Secure Transmission (MST) and Near Field Communication (NFC) to make contactless mobile payments. MST and NFC enable eligible Samsung devices to make transactions at most card readers where you can swipe or tap your card, excluding gas station pumps.
No. We do not charge a fee for our members to use Samsung Pay.
The last card you made a purchase with in Samsung Pay will automatically appear as the card that would be used the next time you open the app. However, you can always swipe between all the cards you have added and select a different card before making a purchase.
Please visit Samsung Pay to learn more about Samsung Pay.
Not yet. Currently Samsung Pay on your phone or watch can be used for in-store payments only.
Unitus Community Credit Union cards can be easily added to the Samsung Pay app by using your device’s camera to scan in your card’s information, or by manually inputting the card information yourself. If requested, follow any additional steps to verify your card.
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