The easier, faster, more secure way to pay. It works almost everywhere* you can swipe or tap your card. To get started, simply add your cards by scanning your physical card with, or manually inputting your card information into Samsung Pay.

Pay with these three simple steps.

samsung pay swipe up
1. Swipe Up

to launch Samsung Pay

samsung pay authenticate
2. Authenticate

with your fingerprint or 4-digit pin

samsung pay tap
3. Pay

your phone over the terminal to pay

Works almost everywhere*

Samsung Pay works at almost any retailer in India,
making shopping or dining easier and more convenient than ever before.

samsung pay mst

Magnetic Secure Transmission
Accepts payments of any value.
(Subject to cardholder's credit limit with banks).

samsung pay nfc

Near Field Communication
Accepts payments up to INR 2,000

Shop safely with peace of mind

When you use Samsung Pay, your actual card number is never shared with the merchant and is not stored on the device, further protecting your personal information.

shope safely
Digital Tokenisation

With Samsung Pay, each transaction uses an encrypted digital token to replace your
personal payment information for added security.

shop safely
Samsung KNOX

The industry-leading Samsung KNOX security platform monitors malicious software
and activities on the Galaxy devices installed with Samsung Pay.


What is Samsung Pay?

Samsung Pay is a secure and easy-to-use mobile payment service. You can add credit and debit cards of participating issuers / banks on your Samsung Galaxy smartphones which allows you to make purchases almost everywhere.

How does Samsung Pay work?

Samsung Pay uses patented Magnetic Secure Transmission (MST) and Near Field Communication (NFC) to make contactless mobile payments.

Which payment cards can I register to Samsung Pay?

Standard Chartered Bank Debit & Credit Cards can be registered to Samsung Pay

What devices are compatible with Samsung Pay in India?

Samsung Pay supports Galaxy S7 edge, Galaxy S7, Galaxy Note 5, Galaxy S6 edge+, Galaxy A5 (2016) and Galaxy A7 (2016), Other newer models will follow.

Why should I use Samsung Pay instead of my plastic cards?

Samsung Pay offers a simple and convenient payment experience that is quicker than searching through your wallet or purse. Additionally, Samsung Pay adds a level of security to your payment information that physical cards don’t have.

Can I use Samsung Pay in foreign countries?

Please check your card issuer's policies for transactions in foreign countries. If you can use your card in the country you are traveling to, you should be able to use Samsung Pay to make your payment.

Can Samsung Pay make online purchases?

Not currently. Samsung Pay currently supports in-store payments only.

Can Samsung Pay make online purchases?

Not currently. Samsung Pay currently supports in-store payments only.

How does Samsung Pay work?
How do I make in-store purchases with Samsung Pay?

  1. Initiate Samsung Pay by swiping-up from your home screen or Samsung Pay app.
  2. Select the card you want to pay with, by swiping left or right.
  3. Verify your fingerprint and place your phone near the card reader or NFC reader to complete the transaction. Alternatively, enter your 4-digit Samsung Pay PIN* if you have chosen not to use the fingerprint feature.

In case you are prompted for a PIN, you may be required to input the 4-digit Card PIN.

Do I need to have an active internet data connection for Samsung Pay to work?

Samsung Pay requires an active internet connection for card registration and activation. However, an active internet connection is not required to make in-store card purchases. It is recommended the device should be connected to the internet for the best Samsung pay experience.

How can I keep track of purchases I've made with Samsung Pay?

Samsung Pay shows the last 10 purchases. To see the same:

  1. Open Samsung Pay
  2. Choose the card
  3. At the bottom you’ll see available transaction history

The card image I see in Samsung Pay does not match my physical card. Is there an issue with my card?

No. The card image displayed in Samsung Pay may not always exactly match the physical card image.
As long as the following key information displayed on the card image inside Samsung Pay matches with that of your physical card you should not face any issue while making a transaction

  • The Card Issuer Name
  • The Card Network Name
  • The last four digits of the physical card
If you face any issues, please contact your banks/issuers.
What should I do if I lose my original payment card and then receive a replacement card?

The payment cards on Samsung Pay are digital versions of your physical payment cards. If you lose your original payment card and then receive a replacement card, you need to remove the original payment card from Samsung Pay and register the replacement card.
For your convenience, many card issuers will link your new physical card number to your digital card number in Samsung Pay. This allows you to still have access to your purchasing accounts while you wait for the new physical card to arrive.

Can I continue to use my physical payment card if I disable Samsung Pay or remove the digital equivalent on Samsung Pay?

Yes. When you disable Samsung Pay or remove a registered card, you are only suspending the token, or the digital card number that has been assigned to your device for that card. If you wish to suspend your physical card, please contact your card issuer for assistance.

How is my default payment card in Samsung Pay determined?

There is no "default" card option in Samsung Pay. When you open the app or activate the favorite cards by swiping up from the home key on supported screens, the first card displayed is either the last card you registered or the last card you viewed or used.

What is the "Retry" button I see when I am trying to make a payment?

The “retry” button appears when the countdown timer has reached its end and the device has not detected an NFC payment or has not received a notification of a successful payment.
The “retry” button allows you to begin the payment process, one additional time, without reauthorizing using your fingerprint or PIN. When an NFC transaction is completed, the retry button will not be shown. Additionally, if a payment success notification is received, the retry button will not be shown.

Can I use Samsung Pay at an ATM?

Currently Samsung Pay will not work at ATMs in India.

The cashier is asking me for the last four digits of my card number. What number should I provide?

You will need to provide the last four digits of the digital card number. For ease of use, the last four digits of the digital card number are located just below the selected card image and are always followed by the following message “Last 4 digits for Cashier”.

Getting Started
How can I start using Samsung Pay?

To use Samsung Pay, you need:
A compatible Samsung device with the latest Android software
A supported payment card from Standard Chartered Bank
A Samsung account
Registered fingerprint or Samsung Pay PIN

How can I register my card?

Cards can be either automatically registered by scanning your card with Samsung Pay or manually inputting the card information.
Then, depending on the policies set by your bank or credit union, Samsung Pay will prompt you to verify your identity through an email, SMS or a phone call.

How many cards can I register into Samsung Pay?

You can register up to 10 payment cards in Samsung Pay. (Credit Cards, Debit Cards)

How long will it take for my card to activate after registering it to Samsung Pay?

The average amount of time between the request for activation and approval will be within minutes, but it can take up to 10 minutes after any additional verification requirements have been met. If this amount of time has been exceeded, remove the card from Samsung Pay and register it again. Contact your card issuer for assistance if you continue to encounter delays.

Can I use Wi-Fi connection to register my card in Samsung Pay?

Yes. However, for the best experience, the device should have a SIM card installed. If you encounter any issues while registering the card over Wi-Fi, we suggest switching to a cellular data connection.

How can I create Samsung Pay account?

When you open Samsung Pay for the first time, you will be asked to sign in to a Samsung account. If you do not have an account, you can create one at that time.

Can I download Samsung Pay from Play store or Galaxy App?

No, you cannot download Samsung Pay from Play Store or Galaxy App. The app will be installed through software update or MR (Maintenance Release) update.

Payments Security
How secure is Samsung Pay?

Samsung Pay uses leading edge tokenization and authentication methods to secure your information. Samsung Pay also uses biometrics as a security measure, enabling users to authenticate Samsung Pay via fingerprint or Secured PIN. In addition to the security measures implemented by Samsung Pay, Samsung’s KNOX service constantly monitors suspicious activity within the device to protect from any malicious attacks.

What is tokenization?

Tokenization is a method of replacing your sensitive payment card information (Card Number, Expiration Date, Security code, etc.) with a device-specific ‘Token’ which acts as a surrogate value. In mobile payments, Tokens are used to protect your payment information and to reduce the security risks inherent to plastic cards.

Does Samsung Pay store my personal/payment information on a server or my device?

No. Samsung Pay does not store your personal/payment information on a Samsung server or the device. Samsung Pay does not change the way your payment information is stored or handled when you make purchases. Your payment information will continue to be managed by your card network and card issuer. Only a device-specific Token, which is used to replace your sensitive payment information, is stored on the device.

What should I do if my device is lost or stolen?

If your device is lost or stolen, you can use Samsung’s ‘Find My Mobile’ service to Lock Samsung Pay (remotely disable) or to Wipe Samsung Pay (remove all the payment cards registered onto your device).

If I were to switch phones, do I need to add the cards all over again?

You would need to register your cards again if you were to change your phone as no data will be stored in the application.

Will my Samsung Pay information still be on my device if it is formatted?

No. Formatting your device will remove all payment cards registered to your device.

How do I use "Find My Mobile" to manage Samsung Pay?

If your device is lost or stolen, your payment information will not be accessible without your fingerprint or Samsung Pay PIN. For added security, the Samsung ‘Find My Mobile’ service can remotely lock or erase your payment cards in Samsung Pay.
Please visit further information

The Technology
What is MST?

Magnetic Secure Transmission or MST, is a groundbreaking method of sending data using magnetic waves. MST replicates a card swipe by wirelessly transmitting magnetic waves from the supported Samsung device to a standard card reader. MST turns every card reader into a contactless payment receiver.

What is NFC?

Near Field Communication or NFC is a method of wirelessly transmitting data using radio waves. Samsung Pay uses NFC to wirelessly transmit payment data to payment terminals with NFC readers that have been activated for use.

What is the difference between MST and NFC technology?

For Samsung Pay, either MST or NFC technology can be used to make secure, contactless transactions. The key difference is that almost all merchants can accept MST, which makes Samsung Pay the most accepted mobile payment service on the market.

How close does the device have to be to the card reader for MST to work?

The device must be placed within 5cm of the card reader for MST to work.

What happens if my fingerprint is not recognized?

You can enter the Samsung Pay PIN you created as a backup option.

What should I do if I have an issue adding a payment card to Samsung Pay?

Please contact the card issuer and verify you are adding an eligible payment card. Some cards from participating banks may not be supported in Samsung Pay.
Samsung Pay also requires an active internet connection when adding a payment card.

What should I do if I have an issue adding a payment card to Samsung Pay?

Please contact the card issuer and verify you are adding an eligible payment card. Some cards from participating banks may not be supported in Samsung Pay.
Samsung Pay also requires an active internet connection when adding a payment card.
Verify that you are connected to the internet via a Wi-Fi network or your mobile data connection.

If I reset my device, what happens to my Samsung Pay service?

When performing a factory data reset, all payment information in Samsung Pay will be deleted. You will need to set up and add your payment card information on Samsung Pay again after your device has been reset.

Terms and conditions:


Last Modified: 22 Mar 2017

  1. These terms and conditions (“Samsung Pay App Terms”) form a binding agreement between you and the Bank and govern your access to and use of your Card on Samsung Pay.
  2. By proceeding to enroll your Card on Samsung Pay, you agree to be bound by the Samsung Pay App Terms. If you do not agree to the Samsung Pay App Terms, then you should not enroll your Card to, or use your Card in connection with Samsung Pay.
  3. The Samsung Pay App Terms supplement, are additional to, and are to be read together with the prevailing terms applicable to your Card and/or accounts with us, including the:
    1. Client Terms;
    2. Credit Card Terms;
    3. Current/Cheque/Savings Account and Time Deposit Terms; and
    4. Privacy Statement (collectively, the “Relevant Terms”).


  1. To enroll a Card, please follow the enrollment instructions set out on Samsung Pay. Your enrollment will be declined if the card is not eligible for this service, you fail the authentication process, or if your Card or underlying Card account is not in good standing or conducted in a proper or satisfactory manner as determined by us in our absolute discretion. During enrollment, you must provide us with accurate, complete and updated information. You must immediately notify us in the event of any change in the information provided. You are responsible for any consequences if inaccurate, incomplete or outdated information is used for enrollment.
  2. For Card accounts which have supplementary cards, only the principal card should be enrolled. We will treat any enrollment of the supplementary card, and any amounts charged to the supplementary card on Samsung Pay, as transactions on the Card by the principal cardholder, and the charges may be reflected as such in the statements for such Card accounts. We will send all notifications only to the principal cardholder’s registered mobile phone number with us, and this includes any verification or authentication messages on which action may be required. If action is required, we may choose to only accept a response from the principal cardholder or via the principal cardholder’s mobile phone failing which a pending enrollment or transaction may be rejected.
  3. A Card enrolled on Samsung Pay can make contactless payments at merchants who accept such contactless payments through Samsung Pay, or an “in-app” purchase where payment through Samsung Pay is accepted. Such payment must be made on your Device rather than transacting with your physical Card. We may impose a cap on the amount per transaction entered into through Samsung Pay.
  4. We currently do not impose any additional fees for using your Card on Samsung Pay. However, your telecommunications or wireless provider may impose web-enablement, data usage, text messaging fees or other charges for your use of Samsung Pay. You shall be solely responsible for such charges. If you are travelling overseas, you should ensure you fully understand what and how much these charges are.
  5. We will determine, in our sole discretion, which Cards will be eligible for use through Samsung Pay. We reserve the right to decline any enrollment of a Card on Samsung Pay.


  7. Samsung Pay is made available by Samsung on compatible Devices. There are some things that we are not responsible for because they are out of our control or they relate to how Samsung Pay works or some other system that Samsung uses which includes but is not limited to (i) the performance or operation of your Device; (ii) the performance or operation of Samsung Pay; and (iii) if Samsung stops or suspends you from using Samsung Pay or your Device no longer works with Samsung Pay


  9. You are responsible for keeping your Security Credentials confidential and preventing fraudulent or unauthorised usage of your Card on Samsung Pay or Device. These include choosing a strong login password, keeping your login password confidential and ensure that you do not store anyone else’s finger print within your Device. Examples of how to keep your Security Credentials safe are set out in our guidelines and terms and conditions that we or Samsung may issue from time to time. You must read through these carefully and ensure you follow them.
  10. The Security Credentials will be treated as Card details. Consenting to another person using your Device by allowing them to register their login password or finger print in your Device will be treated as you failing to keep your Security Credentials safe. The consequences of failing to keep your Security Credentials safe will be the same as for all other Card details (for example, we may not be liable to refund you for unauthorised transactions where you consent to them being used by others).
  11. It is your responsibility to report to us immediately when you suspect or come to realise that:
    1. Your Card or Device has been lost, stolen or tampered with.
    2. Someone else knows your Security Credentials.
    3. There has been unauthorised access to your Card, Security Credentials or Samsung Pay App.
  1. You must delete your Card from the Samsung Pay App before you dispose of your Device or pass your Device temporarily to someone else, for example, for it to be repaired.
  2. You agree to be liable for all instructions or transactions effected on your Card through Samsung Pay which are posted to your Card account regardless of whether or not the transaction was properly authorised by you. In this regard, you acknowledge the ease with which unauthorised transactions may be carried out through Samsung Pay and accept all risks associated with such transactions. All such instructions and transactions are irrevocable and binding on you.
  3. Without prejudice to the generality of the above, your liability for disputed transactions on your Card through Samsung Pay effected after such loss, theft (including loss or theft of your Device), unauthorised use or disclosure is as set out in our Customer Terms, in the section entitled “Liability for Transactions”.


  5. You agree that we may collect, disclose, store and use technical, transactional, location or other general or personal information about you and your use of the Card through Samsung Pay , including any information communicated to us relating to your use of the Card and/or Samsung Pay. You agree and acknowledge that we can disclose such data and information to: (a) Samsung as well as Samsung’s sub-contractors, agents and affiliates and where required, their regulators and authorities; and (b) the relevant payment network stated on your Card and the payment network’s sub-contractors, agents and affiliates and where required, their regulators and authorities. We will also make certain account and transactional information relating to each enrolled Card available for display on Samsung Pay, and this may include information such as your most recent transactions or other data relating to you and/or the enrolled Card. Where applicable, you may be able to customise or decline having such data displayed on Samsung Pay, please check with Samsung on whether you can turn off this feature manually.
  6. By signing up for this service and enrolling your Card on Samsung Pay, you agree and consent to us sending you electronic messages through Samsung Pay. This may include marketing messages and service messages pertaining to Samsung Pay.


  8. You may use an application developed by Samsung or contact Samsung to suspend or reinstate a Card on Samsung Pay. You can also contact us to suspend or reinstate your Card on Samsung Pay
  9. You can remove your Card from Samsung Pay by deleting it from The Samsung Pay App or contacting Samsung or us. Once you have removed your Card from The Samsung Pay App, you will have to re-enroll your Card if you wish to use it through Samsung Pay again.
  10. Should you suspend or remove your Card from the Samsung Pay App, you may still continue to use your physical Card for transactions and purchases other than through Samsung Pay, provided your Card account with us is valid, subsisting and in good standing.
  11. Where your Card is replaced due to a reported loss, theft or fraud, the original Card will be rendered inactive from your Samsung Pay App by us. Upon receipt of your replacement Card, you will have to re-enroll the replacement Card on Samsung Pay
  12. When you turn off your Device password or erase/restore your device, your Card from Samsung Pay will be deleted, and you will have to re-enroll the Card on Samsung Pay again
  13. For security reasons, from time to time you may be asked to re-enroll your Card on Samsung Pay. If you do not do so upon such request, you will not able to use you Card for any purchase through Samsung Pay.
  14. When your Card is close to its expiry date, we will send you a renewal Card. Upon your activation of the renewal Card, we will automatically update the renewal Card information on your Samsung Pay App and you will not be required to enroll your renewal Card.


  16. Subject to applicable laws and regulation, we may (i) terminate your use of the Card through Samsung Pay, (ii) modify or suspend the type or Rupee amounts of transactions allowed using the Card through Samsung Pay, (iii) change a Card’s eligibility for use through Samsung Pay and/or (iv) change the Card authentication process at any time.
  17. If we have cancelled or suspended your Card in accordance with the Relevant Terms, you will not be allowed to use it through Samsung Pay. Please note that this is the case even though you may still see a symbol for the Card on your Samsung Pay App or Device.
  18. We may revise these Samsung Pay Terms at any time by updating these terms on our website and the Samsung Pay App without notice to you. You are bound by such revisions and should therefore review the current Samsung Pay Terms as posted on our website and the Samsung Pay App from time to time.


  20. The copyright of the contents, including patents, trade secrets, trademark, service marks, images, graphics, logos displayed (collectively intellectual property) are either owned by or licensed to us or Samsung. You do not acquire any ownership to the intellectual property by enrolling or using your Card through the Samsung Pay App. You agree not to (i) use, modify, disseminate, edit, adapt or reproduce such intellectual property without our prior consent; or (ii) challenge their validity or our ownership of or rights to them.


  22. We are not the provider of the Samsung Pay App and we do not give any warranty over the use of Samsung Pay. We are not responsible or liable in any manner whatsoever for any fault, delay or failure in using the Samsung Pay App for any transaction. You acknowledge that your use of the Card through Samsung Pay may be affected, disrupted or terminated for reasons outside of our control. We will not be liable for any claim arising from or related to your use (or failure to use) of your Card through Samsung Pay. We are not responsible for the performance of Samsung or any other third parties regarding any arrangement or agreement you enter into with them in relation to Samsung Pay. The speed and reliability of service of your internet or mobile connection is dependent solely on your respective internet and/or mobile service providers and we are not responsible for the same.
  23. You shall indemnify and keep us fully indemnified against any loss, damage, liability, cost and expense which we may suffer or incur (including legal costs on an indemnity basis) arising out of or in connection with your enrollment and use of your Card through the Samsung Pay App, including but without limitation, our enforcement of these terms and conditions, save to the extent such loss arises from our own negligence, fraud or wilful default.
  24. You shall ensure that you comply with all applicable laws and not commit or engage in, or encourage, induce, solicit or promote, any conduct that would constitute a criminal offence, give rise to civil liability or otherwise violate any law or regulation in any jurisdiction to which you are subject. We will not be responsible for your illegal or unauthorised use of the Card or the Samsung Pay App. You agree not to carry out any action or otherwise use any device, software or routine to interfere or attempt to interfere with the proper working of the Card or the Samsung Pay App, including circumventing or attempting to circumvent any user authentication or security measures that have been put in place in this respect.