Samsung Pay - Frequently Asked Questions

What is Samsung Pay?
Samsung Pay provides owners of select Samsung Galaxy devices the ability to use their Galaxy phone to make payments almost anywhere you can swipe or tap your STAR credit and/or debit cards.

How does Samsung Pay Work?
Select Samsung Galaxy devices are equipped with Near Field communication technology (NFC) that transmits the tokenized version of the credit card / debit card payment credentials securely to a merchant terminal. In addition to NFC, Samsung Pay supports a new proprietary technology, Magnetic Secured Transmission (MST) which transmits the same secure tokenized credit card / debit card payment credentials. See below for more information about NFC and MST.

What is Near Field Communication (NFC) Technology?
Near Field Communication (NFC) is a short-range wireless technology that allows two devices to exchange payment information quickly and conveniently at close proximity. Samsung Pay uses NFC technology or MST to transmit payment information from your phone to the contactless payment terminal.

What is Magnetic Secured Transmission (MST) Technology?
Magnetic Secure Transmission (MST) replicates swiping a physical card at the payment terminal by securely sending payment information directly to the magnetic strip card reader without touching it. Samsung Pay uses NFC technology or MST to transmit payment information from your phone to the contactless payment terminal.

How do I get Samsung Pay on my device?
Samsung Pay is available with the Galaxy S6, S6 active, S6 edge, S6 edge+ and Note5 through an app update. The availability will vary by mobile network operator. The app will appear when the customers install the operating system update. Samsung Pay will be a preloaded app on upcoming Samsung Iconic devices. The app is not available for download on unsupported devices.

How do I add my STAR cards to Samsung Pay?
Choose the Samsung Pay icon, and log in using your Samsung account information. If you do not already have a Samsung account, you can create one. Once logged in you can, touch ADD CARD in Samsung Pay app to begin the process of adding your card. Center the card in the on-screen window and Samsung Pay will read the card number. Or you can enter the card number manually. Verify or enter the additional information such has Cardholder Name, Expiration Date and Security Code (CVV). Accept the Terms and Conditions for adding a card to a digital wallet by touching AGREE TO ALL. You will be prompted to CALL Customer Solutions to verify your information. Once verified with a STAR banker, your card is ready for use in Samsung Pay. You will receive an email verifying that your card has been added to Samsung Pay.

Why am I being asked by STAR to verify my card?
This is a required security step to ensure you are the actual cardholder. Simply click the CALL button to contact STAR so we can verify your identity. Then look for an email message letting you know that your card is ready for Samsung Pay.

How do I pay using Samsung Pay?
Once your eligible STAR card is registered to Samsung Pay, you may activate the Simple Pay feature of Samsung Pay by swiping your screen from the bottom, just above the Home key, towards the top of the screen.

The most recently added or used card is displayed. Swipe left or right to scroll through your registered payment cards.

When you have the desired card selected, place your finger on the Home key to verify your fingerprint or touch ENTER PIN to enter your Samsung Pay PIN.
Samsung Pay will indicate that you are ready to make a payment.

For NFC Payments

  1. Hold the phone above the NFC reader on the payment terminal
  2. Align the camera with the NFC logo
  3. The two devices should be almost touching

For MST Payments

  1. Hold the phone closely to the terminal
  2. Align the camera to face the magnetic stripe card reader
  3. The two devices should be almost touching

Is there a fee associated with using a STAR card with Samsung Pay?
There is no cost to use Samsung Pay from STAR; however, an active data plan is required. Based on your wireless plan and mobile carrier's offering, additional message and data charges may apply. STAR does not charge any fees to add your credit and/or debit cards to Samsung Pay.

Can I use Samsung Pay outside of the United States?
As long as you're shopping at a participating retailer, Samsung Pay will work outside of the U.S. Based on your wireless plan and mobile carrier's offering, additional message data charges and foreign transaction fees may apply.

Can a Samsung Pay token be used for recurring charges, subscriptions or bills (Netflix, Amazon Prime, etc)?
This service is not currently available.

Will merchants receive my physical card number?
Merchants won’t have access to your card number; they’ll receive the unique virtual card number associated with your debit card.

Will all merchants accept Samsung Pay?
The great majority will! Merchants that support NFC contactless payments will display the contactless payment symbol. However, Samsung Pay also works with most terminals that cannot support NFC contactless payments. However, you should continue to carry your physical cards to use where Samsung Pay is not accepted.

Does Samsung Pay show my STAR debit card transactions?
Samsung Pay displays the last 10 purchases you made with Samsung Pay on your phone, with the merchant, date, time and amount. For a complete view of all your STAR debit transactions, sign in to Online Banking or use our Mobile Banking App and select the appropriate account.

What if my phone is lost or stolen?
You can use the Find My Mobile app to locate your phone, lock it or even erase it. If you know the phone is not retrievable, contact STAR to cancel your debit card which will delete your virtual card from Samsung Pay. You should also review your Online & Mobile Banking transactions. If you notice any suspicious activity, please contact STAR immediately.