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

Apple Pay vs. Samsung Pay vs. Google Pay

Mobile payments allow you to exchange your watch on a phone or in some cases, a clock Instead of carrying cash and cards, just tap to pay your phone. Currently, three established systems have come from Apple pay, Samsung pay, and Google pay, although some of the brand’s thillies like Garmin and Festibit offer their own payment system.

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

MOBILE PAYMENTS COMPARISON

Samsung Pay

Apple Pay

Google Pay

Compatible
devices

Samsung Galaxy S9, S9 Plus, Note 8, S8, S8 Plus, S7, S7 Edge, S6 Edge Plus, Galaxy
Note 5, Galaxy S6 and S6 Edge, Gear S2 and S3

Apple iPhone X, iPhone 8/8 Plus, iPhone 7/7Plus, 6/6 Plus, 6S/6S Plus, SE, Apple Watch, MacBook Pro with TouchID, iPad 5th/6th generation, iPad
Air 2, iPad Pro and iPad
Mini 3 and 4

Android phones with NFC and HCE support running KitKat (4.4) or higher

Availability
(see note below)

24 countries worldwide

27 countries worldwide

18 countries worldwide

Authentication

Fingerprint, PIN or iris

FaceID or fingerprint

Fingerprint, PIN, pattern or password

Where
can you use?

Works with NFC, magnetic stripe or EMV terminals, in-app purchases

Works with NFC terminals, in-app purchases and web purchases in Safari

Works with NFC terminals and in-app purchases

Cards

Credit, debit, loyalty and gift cards

Credit, debit and loyalty cards

Credit, debit, loyalty and gift cards

 

About the availability, after you add your card to one of these mobile wallets you should be able to use them in any country that receives contactless payments as long as you will be able to use your physical card at that location. For Samsung Pay, which has a terminal with a magnetic card reader.

Technology and availability

Simply you can use Apple Pay and Google Pay NFC and some of like this. Simply tap your phone in a compatible terminal and the transaction is complete.

Samsung Pepper uses a technology called NFC and Magnetic Protective Transmission (MST). When you hold the phone in a terminal, it displays a signal that imitates the magnetic pitch of a card.

This means that it works very much with all terminals, merchants do not update their sales system updates. A situation where MST will not work when you need to insert a card in a slot, like a gas station.

One interesting fact is, “Offline payments” are also supported on all of these three platforms, so you can make a limited number of transactions because of don’t have any cell or Wi-Fi signals.

Advantage: Samsung Pay

Security

Mobile payment system protects card details using a procedure called Technonization. Once you add your card to the app, it creates a virtual account number and your actual card number is not given to the merchant. When you start and tap on your phone to pay, it sends a tokenized card number (autogenerated) and a crypt that works as a password. Card network then verify and payment process.

Before Apple can go through a payment, you must authenticate using the TouchID (fingerprint), FaceID or PIN before Apple.

But before dealing with transactions, Google Pay only needs to have your phone unlocked with phonefreen, password, pattern or PIN.

If you lose your phone, three of you can remotely delete the device which will delete all your card details.

Advantage: Apple Pay (though TouchID is still more convenient than FaceID.

Other ways to pay

You just have not tied up from the phone here how you can use here:

  • Apple Pay: Apple Watch (in stores); IPad and Mac (for online purchase).
  • Google Pay: Some Android Wire Clocks
  • Samsung Pay: Gear Sport, S2 and S3 (But MST Support Only Gear S3).

Apple Pay (for Safari) is available for browser payments, and you have to authenticate with your fingerprint or FaceAid; You can do this from an iPhone or iPad; A MacBook Pro with Fingerprint Support; Or verify with a Mac and an iPhone or Apple Watch.

Google Pay also offers browser payouts as well as Chrome, Safari and Firefox, but many online stores do not use it anymore.

Samsung Pay and Google Pay work on 340,000 sites which use Visa checkout, if you make purchases from your phone. Chase pay users have options associated with Samsung Pay link to their wallets.

All three services also work when checking out on several apps.

Advantage: All three

Peer-to-peer payments

Apple Pay and Google Pay are the only two services that allow you to pay friends. Samsung Pay is currently not a peer-to-peer option.

With Apple Pay Cash, you can send money to contact Apple IDs via iMessage. Unfortunately, this means you’re cutting off from those who are not an Apple device. Money can be saved on your virtual card in the wallet application or you can withdraw it on your bank account. Apple Pay Cash is available for now only for the US.

You can give a phone number or email address from the Google Pay application on iOS, Android or desktop interface. (It was previously found in the Google Pay Sender application.) Like Apple’s Pay, you can keep a balance or move to your bank account.

Receive or pay payments from friends on Google Pay are coming soon to users in the United States and the UK.

Also Read: Xiaomi Mi 8 Explorer Edition vs Vivo X21

Which one wins?

Finally, a selection of these payment systems is connected to your ecosystem and the availability of your location. For Apple users, your only choice in the real world is Apple Pay when Android users use Google Pay. Samsung owners can choose between Samsung Pace or Google Pay – you can have both on your phone, but if you want to use another you have to set it as default and change it.

For perfect compatibility across a broad range of terminals, Samsung won the pay because of MST technology. But among the supported apps and websites, Apple is the most accessible with Apple Pay, and Google Pay provides the most interesting way to use their friends, regardless of the phone they use.

Ref: CNET

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