非接触式(Contactless)支付应用程序提供了一种安全、便捷的智能手机支付方式。对于非 iPhone 用户，这个领域有两个主要参与者——Samsung Pay和Google Pay。
在本文中，我们将列出Samsung Pay(Samsung Pay)和Google Pay的功能和区别，并描述最值得使用的移动支付应用程序。
什么是谷歌支付？
Google Pay以前称为Android Pay，是一款移动支付应用程序，您可以使用它来进行购买以及汇款和收款。要使用它，您所要做的就是解锁手机并将其轻触非接触式支付终端。
以下是Google Pay的功能：
- 广泛的可用性。(Wide availability. )Google Pay在 42 个国家/地区可用，仅次于Apple Pay。
- 点对点支付。(Peer-to-peer payments. )使用Google Pay Send(Google Pay Send)轻松向您的朋友和家人汇款和收款。您只需要一个电子邮件(All)地址(email address)。但是，P2P确实需要额外收费，而且该服务目前仅在美国提供。
- 广泛支持信用卡和借记卡。(Wide support for credit and debit cards. )Google Pay支持大多数主要信用卡和支付服务，包括American Express、Discover、MasterCard、Visa和AMEX。它还支持大多数主要银行——查看Google 支持页面(Google’s support page)上的列表。Google Pay还可以通过PayPal进行支付。
- Google 电子钱包会存储您的通行证和卡片。(Google Wallet stores your passes and cards.) Google Pay允许您将会员卡、会员卡和礼品卡以及旅行通行证、门票和账户卡存储在一个地方。
- 支持 Wear OS 智能手表。(Support for Wear OS smartwatches. )您可以通过Wear OS(Wear OS)智能手表安装和使用Google Pay应用。它只需要NFC（近场通信(Near Field Communication)）功能。
- 谷歌支付优惠。(Google Pay offers. )您可以选择加入Google Pay奖励并接收独家优惠、收藏品、促销代码等。
- 增加了安全性。(Added security. )Google Pay使用行业标准的令牌化和NFC技术向商家发送加密数据，使其比传统信用卡更安全。该应用程序还允许指纹扫描或面部识别访问，并且可以通过该应用程序购买或发送的金额有限制。
Google Pay 的不足之处
Google Pay功能丰富，对于大多数用户来说，它是一款非常合适的应用。但是，它有一些缺点，包括：
- 美国以外的功能有限。(Limited features outside of the US. )P2P支持仅适用于美国境内的用户，这对国际用户来说是个坏消息。
- 杂乱的用户界面。(Cluttered UI. )改版后的Google Pay应用程序因其混乱的布局而受到大量批评。付款很容易，但对数字钱包中的卡片进行分类可能很困难。
- 谷歌支付并不总是被接受。(Google Pay is not always accepted. )尽管现在大多数商店都支持Google Pay购买，但有些商店不支持。您仍然需要携带辅助支付方式，对于某些人来说，这首先消除了拥有非接触式支付应用程序的全部意义。
什么是三星支付？
Samsung Pay是一款方便的一键式非接触式支付和数字钱包应用程序，可供三星(Samsung)手机用户使用。从锁定屏幕向上轻扫即可打开您的付款选项，让您立即付款。
最近，Samsung Pay已超过Google Pay，成为第二大移动支付应用程序（仅次于最受欢迎的应用程序 Apple Pay ）。
三星支付的特点：
- 可在 29 个国家/地区使用。(Availability in 29 countries.)虽然这比Google Pay支持的国家更少，但该列表还在不断增长。
- 支持大多数主要的信用卡和借记卡。(Support for most major credit and debit cards. )Samsung Pay支持大多数主要支付平台，包括所有主要信用卡公司。完整列表(full list)在他们的支持网站上。Samsung Pay还提供对PayPal支付的支持。
- 三星奖励。(Samsung Rewards.)使用Samsung Rewards，您可以在使用该应用程序时为每次购买赚取积分。这些积分可用于使用三星(Samsung)应用程序（或三星(Samsung)网站）进行购买。
- 用于卡片和通行证的移动钱包。(Mobile wallet for cards and passes.)通过扫描卡的条形码，通过应用程序存储和使用礼品卡、会员卡和会员卡。Samsung Pay还允许您创建数字钱包，包括从您的疫苗接种文件中 创建经过验证的疫苗通行证。(Vaccine Pass)
- 与三星智能手表兼容。(Compatible with Samsung smartwatches.)一些三星 Galaxy(Samsung Galaxy)可穿戴设备支持三星支付(Samsung Pay)，包括Gear S3、Galaxy Watch3和Galaxy Watch Active2。
- 支持 NFC 和 MST（磁性安全传输）。(Supports both NFC and MST (Magnetic Secure Transmission).) MST技术允许您的Android手机与需要您刷卡的旧磁条读卡器进行通信。但是，从Galaxy S21起，对(Galaxy S21)MST的支持将被删除。
- 增加了安全性。(Added security.)您的Samsung Pay详细信息受Samsung Knox和标记化保护。与Google Pay一样，您的卡信息不会发送给商家。此外(Further)，Samsung Pay允许您使用Find My Mobile远程锁定您的帐户或从手机中删除应用程序。该应用程序还支持指纹和面部识别认证。
三星支付需要改进的地方
虽然Samsung Pay满足非接触式即点即用支付应用程序的主要要求，但它在功能上存在三个重大缺陷。
- 有限的兼容智能手机。(Limited compatible smartphones. )Samsung Pay仅适用于三星(Samsung)智能手机，不适用于其他Android机型。如果您决定购买非三星(Samsung)设备，则必须设置Google Pay（或其他替代方案），因为三星 Pay(Samsung Pay)将不可用。尽管有这个限制，Samsung Pay的活跃用户还是比Google Pay多。
- 烦人的广告和弹出窗口数量。(An annoying number of ads and pop-ups. )对于三星(Samsung)用户来说，一个常见的挫败感是广告逐渐引入三星(Samsung)原生应用程序，这对于三星支付(Samsung Pay)来说也是如此。许多用户抱怨在付款过程中甚至会弹出侵入性广告。
- 删除 MST 支持。(Removal of MST support. )虽然越来越多的地方开始使用NFC终端，但许多地方仍在使用MST。最后支持MST支付的三星机型是(Samsung)三星 Note 20(Samsung Note 20)系列。不幸的是，这是许多用户决定使用三星(Samsung)而不是谷歌(Google)的主要原因。
三星支付(Samsung Pay)与谷歌支付(Google Pay)：哪个(Which)更好(Better)？
Samsung Pay和Google Pay在提供的服务和支持的支付方式（包括在线支付）方面相似。尽管如此，Google Pay仍支持更多设备，并且可以在更多国家/地区使用。
选择Samsung Pay(Samsung Pay)的主要原因是如果您所在的地区仍然主要使用MST终端。在这种情况下，您不会遇到无法使用Google Pay 付款(Google Pay)的问题。然而，随着NFC技术变得越来越流行（三星(Samsung)取消对此的支持），它不再是决定性因素。
Google Pay在美国提供点对点支付，这在许多情况下都有用，并有助于减少您需要的应用程序数量。Samsung可以做到这一点，但您还需要注册Samsung Pay Cash。
选择任一应用程序的另一个主要原因是您拥有的其他配件。例如，如果您有三星(Samsung)智能手表，则最好使用Samsung Pay。
你应该选择哪个？
如果您想进入多合一非接触式支付和卡钱包应用程序的世界， Google Pay和Samsung Pay都是不错的选择。
由于这两个应用程序非常相似，我们建议同时安装它们（它们都可以免费设置）并试用它们。通过这种方式，您将对每一个都有感觉，然后您可以决定适合您偏好的应用程序。
Samsung Pay vs. Google Pay: Which Is the Best Mobile Payment and Wallet App?
Contactless paymеnt apps offеr a ѕafe, cоnvenient waу to pay bу smartphone. Fоr nоn-iPhone υsers, there are two major players in this space—Samsung Pay and Google Pay.
In this article, we’ll list the features of and differences between Samsung Pay and Google Pay and describe which mobile payment app is most worth using.
What Is Google Pay?
Google Pay, formerly known as Android Pay, is a mobile payment app that you can use to make purchases, as well as send and receive money. To use it, all you have to do is unlock the phone and tap it against the contactless payment terminal.
Here are the features of Google Pay:
- Wide availability. Google Pay is available in 42 countries which is second only to Apple Pay.
- Peer-to-peer payments. Easily send and receive money from your friends and family with Google Pay Send. All you need is an email address. However, P2P does come with added fees, and the service is currently only available in the US.
- Wide support for credit and debit cards. Google Pay supports most major credit cards and payment services, including American Express, Discover, MasterCard, Visa, and AMEX. It also supports most major banks – check the list on Google’s support page. Google Pay also makes it possible to pay via PayPal.
- Google Wallet stores your passes and cards. Google Pay allows you to store loyalty, membership, and gift cards, as well as travel passes, tickets, and account cards in one place.
- Support for Wear OS smartwatches. You can install and use the Google Pay app via your Wear OS smartwatch. It just needs NFC (Near Field Communication) capabilities.
- Google Pay offers. You can opt-in to Google Pay rewards and receive exclusive offers, collectibles, promo codes, etc.
- Added security. Google Pay uses industry-standard tokenization and NFC technology to send encrypted data to merchants, making it more secure than traditional credit cards. The app also allows fingerprint scanning or facial recognition access, and there are limits to the amount that can be purchased or sent via the app.
Where Google Pay Falls Short
Google Pay is packed with features, and for most users, it is a perfectly suitable app. However, it has a few shortcomings, including:
- Limited features outside of the US. P2P support is only available for users within the US, which is bad news for international users.
- Cluttered UI. The revamped Google Pay app has received substantial criticism for its confusing layout. Making payments is easy enough, but sorting through the cards in your digital wallet can be difficult.
- Google Pay is not always accepted. Though most stores now support Google Pay purchases, some do not. You still need to carry around a secondary payment method, which for some people, removes the entire point of having a contactless payment app in the first place.
What Is Samsung Pay?
Samsung Pay is a convenient one-tap contactless payment and digital wallet app available to Samsung phone owners. A simple swipe up from the lock screen opens your payment options, allowing you to pay instantly.
Recently, Samsung Pay has overtaken Google pay as the second-largest mobile payment app (behind Apple Pay, the most popular app).
Features of Samsung Pay:
- Availability in 29 countries. While this is fewer countries than Google Pay supports, the list is constantly growing.
- Support for most major credit and debit cards. Samsung Pay supports most major payment platforms, including all major credit card companies. The full list is on their support website. Samsung Pay also offers support for PayPal payments.
- Samsung Rewards. With Samsung Rewards, you can earn points for each purchase you make while using the app. These points can be redeemed to make purchases using the Samsung app (or on the Samsung website).
- Mobile wallet for cards and passes. Store and use gift cards, membership cards, and loyalty cards with the app by scanning the card’s barcode. Samsung Pay also allows you to create a digital wallet, including creating a verified Vaccine Pass from your vaccination documents.
- Compatible with Samsung smartwatches. Some Samsung Galaxy wearables support Samsung Pay, including the Gear S3, Galaxy Watch3, and Galaxy Watch Active2.
- Supports both NFC and MST (Magnetic Secure Transmission). MST technology allows your Android phone to communicate with older magnetic stripe card readers that require you to swipe a card. However, support for MST is being removed as of the Galaxy S21.
- Added security. Your Samsung Pay details are protected by Samsung Knox and tokenization. Like Google Pay, your card information isn’t sent to merchants. Further, Samsung Pay allows you to use Find My Mobile to remotely lock your account or remove the app from your mobile phone. The app also supports fingerprint and facial recognition authentication.
Where Samsung Pay Needs Improvement
While Samsung Pay meets the major requirements of a contactless tap-as-you-go payment app, it has three significant drawbacks in functionality.
- Limited compatible smartphones. Samsung Pay is only available on Samsung smartphones and does not work on other Android models. If you decide to buy a non-Samsung device, you’ll have to set up Google Pay (or another alternative) as Samsung Pay won’t be available. Despite this limitation, Samsung Pay has more active users than Google Pay.
- An annoying number of ads and pop-ups. A common frustration for Samsung users is the gradual introduction of ads into the native Samsung apps, which holds true for Samsung Pay. Many users complain that intrusive ads even pop up during the payment process.
- Removal of MST support. While more and more places are getting on board with NFC terminals, many still use MST. The last Samsung models to support MST payments were the Samsung Note 20 series. Unfortunately, this was the main reason many users decided to use Samsung over Google.
Samsung Pay vs. Google Pay: Which is Better?
Samsung Pay and Google Pay are similar in terms of the service they provide and payment methods they support (including online payments). Still, Google Pay supports more devices and is available in more countries.
The main reason to choose Samsung Pay is if your area still mainly uses MST terminals. In that case, you won’t run into the issue of being unable to pay with Google Pay. However, with NFC technology becoming more popular (and Samsung withdrawing support for this), it isn’t a deciding factor.
Google Pay offers peer-to-peer payments in the US, which can be helpful in many situations and helps to cut down on the number of apps you need. This is possible with Samsung, but you need to sign-up for Samsung Pay Cash as well.
Another major reason to choose either app is the other accessories you own. For example, if you have a Samsung smartwatch, you’re better off going with Samsung Pay.
Which Should You Choose?
Both Google Pay and Samsung Pay are great choices if you want to move into the world of all-in-one contactless payment and card wallet apps.
Since the two apps are so similar, we recommend installing both (they’re both free to set up) and trying them out. This way, you’ll get a feel for each, and you can decide on the app which fits your preferences.
