Google Pay, Samsung Pay or Apple Pay: which is better?

What to choose between Samsung Pay, Apple Pay or Google Pay? Almost everything is connected to your mobile device these days. You will of course see for-profit and non-profit organizations actively transforming their business model to adapt to the fast-paced market. Within the framework of the company, the system of mobile payment is no exception.

Consequently, you will find many companies including Google, Samsung or even Apple, adapting to this ecosystem with the promise of revolutionizing conventional transactions with a safer and more convenient approach. You will therefore see the transactions made with Google Pay, Apple Pay ou Samsung Pay.

Although all three payment systems have similar functionality, one question remains. This is the one of the best payment system among these three GIANTS. In this article, we make the effort to tell you something.

Here is the summary of a comparison between Samsung Pay, Apple Pay and Google Pay. But before that, it is important to know what a mobile payment platform knows. Let's go

???? What is a mobile payment platform?

Generally, a mobile payment platform is a type of communication technology that simplifies monetary transactions. And since most things are associated with mobile phones and the Internet, cashless payment has become more popular over the years.

What it does is use simple technology to simplify the checkout process to just a few steps.

Not to mention that the use of mobile payment is particularly convenient to keep track of all transactions compared to traditional tickets. Suppose the account receivable amount is wrong, you can easily identify the problem.

Therefore, you will see that many businesses and even local vendors choose to adopt this payment technology, especially for its convenience and security.

????Is it safe to pay with mobile?

Pay with a wallet is safe. For starters, wallets don't share your card number with merchants. Instead, they use a unique transaction code or token, so merchants never know your card details.

In addition, to pay with your mobile, you must identify yourself. At Samsung Pay, all operations are authorized by fingerprint, pin or iris recognition. In Apple Pay, they are authorized by fingerprint recognition or facials.

Google Pay, on the other hand, does not implement as many firewalls. To pay, you do not have to identify yourself, just unlock the mobile and put the PIN code in the dataphone if requested. However, if the purchase does not exceed 20 euros, you don't even need to unlock the phone.

On the other hand, if your phone is lost or stolen, you can probably lock it remotely and even erase its contents so that your card data is gone.

Remember that even if you remove a card from a wallet, the physical version will still work. Now we will present these different payment platforms.

???? What is Google Pay and how does it work?

Saying that Google Pay is just one mobile payment service would be lying. It is true that, as a natural substitute for Android Pay, Google Pay was designed as a platform through which users could make payments through their mobile, smartwatch or any other NFC-enabled Android device.

However, over the months the company has included new useful functions such as the ability to add boarding passes or event tickets, send money easily between individuals and many more future. In other words, Google Pay allows you to Peer to Peer payments.

But let's start at the beginning. After all, the vast majority of Google Pay users will use the platform it was created for: make in-store payments with their mobile phone.

To do this, the application is based on contactless technology via the NFC chip of the devices in which it runs.

With this, it is possible to make payments in virtually any place where credit cards credit or debit with this technology are accepted. Google Pay is available in several European and American countries.

Additionally, Google Pay is the default payment gateway used in other company services, so it is used to pay in Google Play or Google Store.

There are also apps and online stores outside of Google that accept payments through Google Pay, so payment data stored on the platform can be used to make purchases.

???? Is Google Pay safe and secure?

Google protects your information in several ways. Like Samsung, Google Pay also uses tokenization technology to hide your actual card information during transactions. Instead, sellers will receive an encrypted code.

However, unlike any other tokenization process, Google Pay creates its tokens in the cloud. In terms of device authentication on your mobile phone, your phone's general lock code serves as verification.

However, if you choose to add another layer of security, you can also add a code PIN specific for the Google Pay purchase method.

???? What is Apple Pay and how does it work?

Apple Pay is a payment system that replaces physical cards and cash in stores. It allows you to make purchases in stores and apps.

To pay with your iPhone in a store, all you have to do is double-click the button on the side of your smartphone if it has Face ID and look at the screen to verify your identity.

If your iPhone has Touch ID, tap the home button for have the phone scan your fingerprint. Bring the upper part of your smartphone closer to the data phone. A check mark will appear on the iPhone screen once the purchase is complete. If the purchase is greater than 50 euros, you will need to enter your code PIN at the point of sale.

If you don't want to pay with the default card, click on it and select another one. Then verify your identity.

If you want to pay with the Apple Watch, double-tap the side button, wait for your card to appear on the screen and bring the screen closer to the reader until you feel light pressure.

To delete a debit or credit card from your device on iPhone or iPad, go to the Wallet app, tap the card you want to remove, tap the More button, scroll down and tap " Delete this card ».

To delete a payment card on Apple Watch, on Apple Watch, open the Wallet app and tap the card you want to remove, scroll down and tap " Remove or by accessing the Apple Watch app on iPhone.

???? Is Apple Pay safe and secure?

Apple Pay is more secure than using a physical debit or credit card. Every purchase you make with your Apple device is authorized using Face ID, Touch ID or password.

Your card number or identity is never shared with merchants. Your real card number is never stored on your device or on Apple servers. When you pay at a store, neither Apple nor your device sends your actual card number to the merchant. Apple does not store any data about your transactions that could identify you.

???? What is Samsung Pay and how does it work?

Samsung Pay is an online payment system that works very similar to its competitors. It allows you to pay for a purchase with a mobile phone thanks to technology Near Field Communication.

Samsung Pay is currently available in 25 countries around the world, including the US, UK, South Korea, Australia, India, and Thailand, to name a few.

It can be used to perform transactions with NFC, MST and EMV chip-reader payment terminals that do not require a physical card to be inserted into a slot. However, only certain Samsung devices can use this feature.

Specifically, it is only compatible with Samsung Galaxy devices from the 5 Galaxy Note 2015 to the newest, the S10 Plus. It is also compatible with Galaxy Watch and Watch 2, Gear S2 and S3 and Gear Sport.

????Is Samsung Pay safe and secure?

Yes, and Samsung Pay uses four main layers of protection. First of all, this platform is secure thanks to its bank's security features. Second, there is the authentication function of the application itself, where every transaction must be a verification of the code PIN, fingerprints or iris.

Payment Systems Comparison Chart

Classification Criteria	Samsung Pay	Apple Pay	Google Pay
Compatible terminals	Smartphones Samsung Galaxy S20/S20+/S20 Ultra, S10e/S10/S10+/S10 Lite, S9/S9+, S8/S8+, S7/S7 edge, Note 10/Note 10+/Note 10 Lite, Note 9, Note 8, Fold, Z Flip, A5 2017, A6/A6+, A7, A8, A9, A20e, A40, A50, A70, A80, A51 and A71, Galaxy Watch, Watch Active, Watch Active 2, Gear Sport and S3 watches	All iPhones with Face ID (from X) or Touch ID (fingerprint reader) except 5S, all iPad Pro, iPad Air, iPad and iPad mini with Touch ID or Face ID, all Apple Watches, all Macs with TouchID	All NFC-compatible Android smartphones since Lollipop (5.0)
AVAILABILITY	24 Territories	58 Territories	29 Territories
Authentication	Fingerprint, PIN or iris	FaceID, TouchID and PIN	Fingerprint, PIN, pattern or password to unlock
Where can you use it?	Contactless payment terminals, in-app purchase, soon public transport	Contactless payment terminals, in-app purchase and purchase on the web via Safari	Contactless payment terminals, in-app purchase and web purchase
Cards	Credit, debit, loyalty and gift cards	Credit, debit and loyalty cards	Credit, debit, loyalty and gift cards

???? In short

As a comparison between Samsung Pay, Apple Pay, and Google Pay, Samsung Pay is the way to go if you have a Galaxy device and live in a supported country.

MST technology and NFC support make it easy to use the Samsung Pay app. He is a lot less complicated to use and the added layer of Samsung's Knox Security technology makes it even more appealing to use.

Apple Pay, Google Pay and Samsung Pay are the three most popular mobile payment systems today. Of course, the solution you use will logically depend on the phone you have.

It will also depend on your computer or the services you use. Thus, owners of iPhones or other Apple devices will naturally go to the Apple brand system. Ditto for owners of Android phones other than Samsung's Galaxy, who will naturally go to Google Pay.

Only the Korean giant's customers will truly have the choice between Samsung Pay or Google Pay. However, if you are planning to switch phones and contactless payment is important to you, you should read this article carefully before proceeding to checkout.