Apple Pay vs Samsung Pay: non-contact fight

In the autumn of this year in Russia almost simultaneously started the services of contactless payments Apple Pay and Samsung Pay: the main competitors are neck and neck in terms of features and time of their appearance. Whether equivalent services? Which one is better?

Both services work from a technical point of view in a similar way: there is used the tokenization: in the smart phone stores a token, i.e. a unique encryption key that corresponds to your card and associated with it. Both services connect the same via SMS from the Bank.

Apple Pay supports Mastercard the following banks:

  • Alfa-Bank
  • Bank “Saint-Petersburg”
  • MDM-Bank
  • MTS Bank
  • “The opening”
  • Raiffeisenbank
  • Sberbank
  • Tinkoff Bank
  • VTB 24
  • Yandex.Money

Apple Pay supports Visa cards:

  • “Alfa-Bank”
  • “Tinkoff Bank”

Samsung supports only Mastercard:

  • Alfa-Bank
  • MTS Bank
  • VTB 24
  • Bank Russian Standart
  • Raiffeisenbank
  • Yandex.Money
  • Sberbank

In terms of ease of use wins Apple: the smartphone is simply applied to the terminal and touch the fingerprint scanner. As noted Tdaily, Samsung you need first to unlock the phone, then “pull” card Samsung Pay swipe up from the bottom and re-log in by finger touch, and then touch the smartphone to the terminal. It is less convenient: many unnecessary actions. In addition, Apple can pay using the Apple Watch that allows you to remove the smartphone from his pocket.

The advantage of Samsung is that the smart phones support NFC, but MST (Magnetic Secure Transaction) with which to pay with your smartphone at any terminal that accepts cards. At this stage, NFC payments work only every third or even every second terminal, and at points you can see the terminals where there is a remote PINpad with NFC, but NFC payment is disabled. With Samsung Pay you can pay everywhere cards are accepted, and not to carry a purse at all. With the iPhone and Apple Watch while this not.

Samsung Pay supports not only the flagship smartphone of the Korean company, but not relatively inexpensive models of A-series. However, they are not cheaper than quite relevant still the Apple flagships of yesteryear ā€” Apple Pay works including the old iPhone 5s and even on the usual “five” (but only with the Apple Watch). With the help of Apple Pay you can securely pay on the Internet is much more convenient than enter the data manually or you can use the same PayPal. Samsung doesn’t do that.

At this stage Samsung Pay has the advantage over Apple Pay in the form of MST technology. On the side of Apple ā€“ more support from banks. However, no matter how fast or updated fleet of terminals, the 100 percent implementation of NFC payments will have to wait another few years.

Clifton Nichols

Clifton Nichols

Hi! Iā€™m Clifton and I am a full-stack engineer with a passion for building performant and scalable applications that are beautiful and easy to use.

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