Samsung Pay FAQ

Getting Started

What is Samsung Pay?

Samsung Pay is a mobile wallet that lets you pay for purchases at stores and in apps easily and securely using your compatible device instead of a physical credit or debit card.

At Eastern Bank, we don’t charge a fee to use Samsung Pay, but charges from your mobile carrier may apply depending on your wireless plan.

Supported devices: Galaxy Note 8, Galaxy S8, Galaxy S8+, Galaxy S7, Galaxy S7 Edge, Galaxy S7 Active, Galaxy S6, Galaxy S6 Edge, Galaxy S6 Edge+, Galaxy S6 Active, Galaxy Note 5.

Contactless payments with Samsung Pay and your mobile device use near-field communication (NFC) or Magnetic Secure Transmission (MST) for making secure payments. The device and the terminal will establish radio communication with each other when the devices are touched together or brought into proximity to typically 10 centimeters.

To set up Samsung Pay: Open your phone’s Settings app and make sure NFC is turned on. Next, open the Samsung Pay app and follow the setup instructions. You may need to set a Personal Identification Number (PIN), pattern, password, or fingerprint screen lock.

Use Samsung Pay

How do I add my Eastern Bank debit card to Samsung Pay?
  1. Navigate to and touch Apps > Samsung Pay.

  2. Navigate to and touch ADD > Add a credit card or debit card.

  3. Align your payment card inside the frame. Samsung Pay will automatically detect the card number and expiration date. If your device does not detect the card information, touch ENTER CARD MANUALLY.

  4. Enter any remaining required information. Then, touch NEXT.

  5. Review the Terms of Service. Then, touch AGREE TO ALL.

  6. To authenticate your identity, touch the desired verification method.

  7. Enter the OTP (One-time Password). Then, touch SUBMIT.

  8. Enter your signature. Then, touch SAVE.

  9. To complete the process, touch DONE.

Note: After you try adding a card, you might see a small temporary charge on your account from Android Pay. This charge is used to verify that your card and account are valid. It won’t affect your balance and will disappear soon after.

You may be prompted to call. This security step enables us to verify that you’re the owner of the debit card being added. This process will help prevent someone from stealing your debit card and trying to add your card to a device.

Samsung Pay works at any terminal where you can swipe a credit or debit card. Clothing retailers, grocery stores, pharmacies, restaurants, and other shops accept Samsung Pay. We suggest that you carry your physical cards to use where Samsung Pay is not accepted.

You can open Samsung Pay from the Home screen, Apps menu, or Lock screen.

  1. To access your Favorite Cards, swipe up from the bottom of the screen.

  2. Swipe to the desired card.

  3. To verify your identity, place your finger on the Home button. To use your Samsung Pay PIN, touch PIN. Then, enter your four-digit PIN. 

  4. To make the payment, place the back of your device on the card or NFC reader on the payment terminal.

If necessary, complete the transaction on the payment terminal. For example, you may still be required to enter your PIN. Some merchants/terminals may prompt you to verify if the total charges are correct, while others will require a signature.

Samsung Pay does not have the option to set a default card. When you open Samsung Pay, the most recently used, viewed, or added card will be displayed. Swipe to the card you want to use.

You can use Samsung Pay in apps or when you see a “Samsung Pay” button in the merchant app screen at checkout. Just tap the Samsung Pay button and you will be appropriately transferred to the Samsung Pay app on the same device for payment card selection and authorization.

Transactions made with Samsung Pay are available to view for one month from the time of your purchase. The transactions are kept separate and listed under each payment card.

  1. Navigate to and touch Apps > Samsung Pay.

  2. Touch Debit.

  3. Touch the desired payment card.

  4. To see your recent transactions, swipe up.

When making purchases at certain merchants, such as restaurants, hotels, and gas stations, you might see different transaction amounts from the final amount posted to your account. Refer to your account statement for final transaction details.

Note: If you ever need proof of purchase, you may still need to show the receipt you got from the merchant.

The process to return an item purchased in-store with Samsung Pay is the same as if you were returning an item with a physical card. Most merchants require you to have the original receipt along with the payment card used for that transaction. The merchant will match the information on the receipt to the last four digits of your digital card number in Samsung Pay.

You may be asked to place your device near the payment terminal’s card or NFC reader to complete the refund, the same way you would be asked to swipe your card during a return with a physical card.

In some instances, a merchant may ask for your physical card to complete the return.

  1. Navigate to and touch Apps > Samsung Pay.

  2. Touch Credit/Debit.

  3. Touch the card you want to remove.

  4. Touch View More. Then, touch Delete Card.

  5. Select the reason you want to remove the card. Then, touch DELETE.

  6. To remove the card, touch DELETE again.

Data and Security

How does Android Pay keep my information safe?

Samsung has partnered with key financial institutions to safeguard your personal, transactional, and payment information. Samsung Pay uses tokenization and authentication methods to secure your information. 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.

When you add your payment card to Samsung Pay, the information is encrypted and sent to Samsung servers and, ultimately, to the card issuer’s payment network for approval. An OTP may be requested by the card issuer to verify if you are the cardholder. Should your card be lost or stolen, this will prevent the card from being added to Samsung Pay fraudulently.

Once your card is approved, the payment network creates a digital card number or token. The token substitutes the payment card’s number with a unique alphanumeric identifier generated using proprietary algorithms. Tokenized data is not mathematically reversible and is useless unless you have the original key used to create the token, making this more secure than sending your actual card number.

Samsung does not store or have access to the payment information added to Samsung Pay. The last four digits of the card number will be displayed on the card image in Samsung Pay to help you manage your cards.

If your device is ever lost or stolen, Samsung offers a free service to remotely lock or erase Samsung Pay. The service also has the ability to locate your device and erase all your stored personal information.

If you can’t do this, please call 1-855-585-8329 right away and you can have your device account number temporarily suspended or deleted.

Adding your debit card to Samsung Pay is your choice. You can add and remove cards anytime.

Yes, using your Eastern Bank Debit MasterCard with Samsung Pay carries the same security features as the physical card. You’ll continue to be protected by MasterCard’s Zero Liability program so that you won’t be responsible for any fraudulent activity on your account as long as you reasonably protect your card and device from loss or theft, and promptly report any loss.