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Step 1 : Open the Samsung Wallet app from the app drawer on your phone. If not, your phone may not have the latest software, so you should first download any software updates that may be available from the Settings » About device OR the Settings » Software update menu on the phone. If you have a supported device, you should have the Samsung Wallet app already installed on your phone. Only the payment network and your bank will have information about the transaction. Once authenticated, the payment will be approved and sent back to the merchant. The token will be sent to the payment network, where it will be decrypted and verified against the information stored in a secure vault on internal networks. The merchant will only receive a token, and your payment information will be kept secure.

When you make a payment, you will need to authenticate your identity by using your fingerprint or Samsung Wallet PIN before the information can be sent to the payment terminal. The last four digits of the card number will be displayed on the card image in Samsung Wallet to help you manage your cards. Samsung does not store or even have access to the payment information added to Samsung Wallet. A new token will be generated even if you are attempting to add a card that was recently removed. This process takes place every time you add a payment card. If your card is ever lost or stolen, this will prevent the card from being added to Samsung Pay fraudulently. A one-time password (OTP) may be requested by the card issuer to verify you are the cardholder.

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 (i.e., Visa®, MasterCard®, or American Express®) for approval.

See the Digital Car Key FAQ for more details: Note: compatibility of devices for the Digital Car Key feature vary according to manufacturer. Samsung Wallet is compatible with Samsung Galaxy devices which have Android version 9 or above installed and which are equipped with NFC and biometrics capability.