Kontaktløse^{(Contactless)} betalingsapps tilbyder en sikker og bekvem måde at betale med smartphone. For ikke-iPhone-brugere er der to store aktører på dette område—Samsung Pay og Google Pay . 

I denne artikel viser vi funktionerne og forskellene mellem Samsung Pay og Google Pay og beskriver, hvilken mobilbetalingsapp der er mest værd at bruge. 

Hvad er Google Pay?

Google Pay , tidligere kendt som Android Pay , er en mobilbetalingsapp, som du kan bruge til at foretage køb samt sende og modtage penge. For at bruge den skal du blot låse telefonen op og trykke den mod den kontaktløse betalingsterminal. 

Her er funktionerne i Google Pay :

• Bred tilgængelighed. ^{(Wide availability. )}Google Pay er tilgængeligt i 42 lande, som kun er næst efter Apple Pay .
• Peer-to-peer betalinger. ^{(Peer-to-peer payments. )}Send og modtag nemt penge fra dine venner og familie med Google Pay Send . Alt^(All) du behøver er en e-mailadresse^{(email address)} . P2P kommer dog med ekstra gebyrer, og tjenesten er i øjeblikket kun tilgængelig i USA  .
• Bred understøttelse af kredit- og betalingskort. ^{(Wide support for credit and debit cards. )}Google Pay understøtter de fleste større kreditkort og betalingstjenester, herunder American Express , Discover , MasterCard , Visa og AMEX . Det understøtter også de fleste større banker – tjek listen på Googles supportside^{(Google’s support page)} . Google Pay gør det også muligt at betale via PayPal .

• Google Wallet gemmer dine pas og kort. ^{(Google Wallet stores your passes and cards.)} Google Pay giver dig mulighed for at gemme loyalitets-, medlemskabs- og gavekort samt rejsekort, billetter og kontokort ét sted. 

• Understøttelse af Wear OS smartwatches. ^{(Support for Wear OS smartwatches. )}Du kan installere og bruge Google Pay -appen via dit Wear OS - smartwatch. Den har bare brug for NFC -funktioner ( Near Field Communication ). 
• Google Pay-tilbud. ^{(Google Pay offers. )}Du kan tilmelde dig Google Pay - belønninger og modtage eksklusive tilbud, samleobjekter, kampagnekoder osv. 
• Tilføjet sikkerhed. ^{(Added security. )}Google Pay bruger branchestandard tokenisering og NFC - teknologi til at sende krypterede data til sælgere, hvilket gør det mere sikkert end traditionelle kreditkort. Appen giver også mulighed for fingeraftryksscanning eller ansigtsgenkendelsesadgang, og der er grænser for det beløb, der kan købes eller sendes via appen.

Hvor Google Pay kommer til kort

Google Pay er spækket med funktioner, og for de fleste brugere er det en perfekt egnet app. Det har dog et par mangler, herunder:

• Begrænsede funktioner uden for USA. ^{(Limited features outside of the US. )}P2P- understøttelse er kun tilgængelig for brugere i USA, hvilket er dårlige nyheder for internationale brugere. 
• Rodet UI. ^{(Cluttered UI. )}Den fornyede Google Pay -app har modtaget betydelig kritik for dets forvirrende layout. Det er nemt nok at betale, men det kan være svært at sortere i kortene i din digitale pung. 
• Google Pay accepteres ikke altid. ^{(Google Pay is not always accepted. )}Selvom de fleste butikker nu understøtter Google Pay- køb, gør nogle det ikke. Du skal stadig have en sekundær betalingsmetode med, hvilket for nogle mennesker fjerner hele pointen med at have en kontaktløs betalingsapp i første omgang. 

Hvad er Samsung Pay?

Samsung Pay er en praktisk kontaktløs betalings- og digital tegnebog-app med et enkelt tryk, som er tilgængelig for ejere af Samsung -telefoner. Et simpelt swipe op fra låseskærmen åbner dine betalingsmuligheder, så du kan betale med det samme. 

For nylig har Samsung Pay overhalet Google pay som den næststørste mobilbetalingsapp (bag Apple Pay , den mest populære app). 

Funktioner i Samsung Pay:

• Tilgængelig i 29 lande. ^{(Availability in 29 countries.)}Selvom dette er færre lande end Google Pay understøtter, vokser listen konstant. 
• Support til de fleste større kredit- og betalingskort. ^{(Support for most major credit and debit cards. )}Samsung Pay understøtter de fleste større betalingsplatforme, inklusive alle større kreditkortselskaber. Den fulde liste^{(full list)} er på deres supportwebsted. Samsung Pay tilbyder også support til PayPal- betalinger. 

• Samsung belønninger. ^{(Samsung Rewards.)}Med Samsung Rewards kan du optjene point for hvert køb, du foretager, mens du bruger appen. Disse point kan indløses til at foretage køb ved hjælp af Samsung -appen (eller på Samsungs^(Samsung) websted). 
• Mobil pung til kort og kort. ^{(Mobile wallet for cards and passes.)}Gem og brug gavekort, medlemskort og loyalitetskort med appen ved at scanne kortets stregkode. Samsung Pay giver dig også mulighed for at oprette en digital tegnebog, herunder oprettelse af et bekræftet Vaccine Pass fra dine vaccinationsdokumenter. 
• Kompatibel med Samsung smartwatches. ^{(Compatible with Samsung smartwatches.)}Nogle Samsung Galaxy wearables understøtter Samsung Pay , inklusive Gear S3 , Galaxy Watch3 og Galaxy Watch Active2 . 
• Understøtter både NFC og MST (Magnetic Secure Transmission). ^{(Supports both NFC and MST (Magnetic Secure Transmission).)} MST - teknologi gør det muligt for din Android -telefon at kommunikere med ældre kortlæsere med magnetstribe, der kræver, at du stryger et kort. Understøttelse af MST fjernes dog fra og med Galaxy S21 . 

• Tilføjet sikkerhed. ^{(Added security.)}Dine Samsung Pay- oplysninger er beskyttet af Samsung Knox og tokenisering. Ligesom Google Pay sendes dine kortoplysninger ikke til sælgere. Desuden^(Further) giver Samsung Pay dig mulighed for at bruge Find min mobil^{(Find My Mobile)} til at fjernlåse din konto eller fjerne appen fra din mobiltelefon. Appen understøtter også fingeraftryks- og ansigtsgenkendelsesgodkendelse. 

Hvor Samsung Pay har brug for forbedring

Mens Samsung Pay opfylder de vigtigste krav til en kontaktløs tap-as-you-go betalingsapp, har den tre væsentlige ulemper i funktionalitet. 

• Begrænset kompatible smartphones. ^{(Limited compatible smartphones. )}Samsung Pay er kun tilgængelig på Samsung -smartphones og virker ikke på andre Android- modeller. Hvis du beslutter dig for at købe en ikke - Samsung enhed, skal du konfigurere Google Pay (eller et andet alternativ), da Samsung Pay ikke vil være tilgængelig. På trods af denne begrænsning har Samsung Pay flere aktive brugere end Google Pay . 

• Et irriterende antal annoncer og pop-ups. ^{(An annoying number of ads and pop-ups. )}En almindelig frustration for Samsung- brugere er den gradvise introduktion af annoncer i de oprindelige Samsung -apps, hvilket gælder for Samsung Pay . Mange brugere klager over, at påtrængende annoncer endda dukker op under betalingsprocessen. 
• Fjernelse af MST support. ^{(Removal of MST support. )}Mens flere og flere steder kommer ombord med NFC- terminaler, bruger mange stadig MST . De sidste Samsung - modeller, der understøttede MST - betalinger, var Samsung Note 20 -serien. Desværre var dette hovedårsagen til, at mange brugere besluttede at bruge Samsung over Google . 

Samsung Pay vs. Google Pay : Hvilken^(Which) er bedre^(Better) ?

Samsung Pay og Google Pay ligner hinanden med hensyn til den service, de leverer, og de betalingsmetoder, de understøtter (herunder onlinebetalinger). Alligevel understøtter  Google Pay flere enheder og er tilgængelig i flere lande.^{(Google Pay)}

Hovedårsagen til at vælge Samsung Pay er, hvis dit område stadig primært bruger MST - terminaler. I så fald vil du ikke støde på problemet med at være ude af stand til at betale med Google Pay . Men med NFC - teknologien, der bliver mere populær (og Samsung trækker støtten til dette), er det ikke en afgørende faktor. 

Google Pay tilbyder peer-to-peer-betalinger i USA, hvilket kan være nyttigt i mange situationer og hjælper med at skære ned på antallet af apps, du har brug for. Dette er muligt med Samsung , men du skal også tilmelde dig Samsung Pay Cash . 

En anden væsentlig grund til at vælge enten app er det andet tilbehør, du ejer. Hvis du for eksempel har et Samsung -smartwatch, er du bedre stillet med Samsung Pay . 

Hvilken skal du vælge? 

Både Google Pay og Samsung Pay er gode valg, hvis du vil bevæge dig ind i en verden af ​​alt-i-én kontaktløs betalings- og kortpung-apps. 

Da de to apps er så ens, anbefaler vi at installere begge (de er begge gratis at konfigurere) og prøve dem. På denne måde får du en fornemmelse for hver enkelt, og du kan beslutte, hvilken app der passer til dine præferencer. 

Samsung Pay vs. Google Pay: Which Is the Best Mobile Payment and Wallet App?

Сontactless payment аpps оffer a safe, convenient waу to pay by smartphone. For non-iPhone users, there are twо major players in this space—Samsυng Pay and Google Pay. 

In this article, we’ll list the features of and differences between Samsung Pay and Google Pay and describe which mobile payment app is most worth using. 

What Is Google Pay?

Google Pay, formerly known as Android Pay, is a mobile payment app that you can use to make purchases, as well as send and receive money. To use it, all you have to do is unlock the phone and tap it against the contactless payment terminal. 

Here are the features of Google Pay:

• Wide availability. Google Pay is available in 42 countries which is second only to Apple Pay.
• Peer-to-peer payments. Easily send and receive money from your friends and family with Google Pay Send. All you need is an email address. However, P2P does come with added fees, and the service is currently only available in the US. 
• Wide support for credit and debit cards. Google Pay supports most major credit cards and payment services, including American Express, Discover, MasterCard, Visa, and AMEX. It also supports most major banks – check the list on Google’s support page. Google Pay also makes it possible to pay via PayPal.

• Google Wallet stores your passes and cards. Google Pay allows you to store loyalty, membership, and gift cards, as well as travel passes, tickets, and account cards in one place. 

• Support for Wear OS smartwatches. You can install and use the Google Pay app via your Wear OS smartwatch. It just needs NFC (Near Field Communication) capabilities. 
• Google Pay offers. You can opt-in to Google Pay rewards and receive exclusive offers, collectibles, promo codes, etc. 
• Added security. Google Pay uses industry-standard tokenization and NFC technology to send encrypted data to merchants, making it more secure than traditional credit cards. The app also allows fingerprint scanning or facial recognition access, and there are limits to the amount that can be purchased or sent via the app.

Where Google Pay Falls Short

Google Pay is packed with features, and for most users, it is a perfectly suitable app. However, it has a few shortcomings, including:

• Limited features outside of the US. P2P support is only available for users within the US, which is bad news for international users. 
• Cluttered UI. The revamped Google Pay app has received substantial criticism for its confusing layout. Making payments is easy enough, but sorting through the cards in your digital wallet can be difficult. 
• Google Pay is not always accepted. Though most stores now support Google Pay purchases, some do not. You still need to carry around a secondary payment method, which for some people, removes the entire point of having a contactless payment app in the first place. 

What Is Samsung Pay?

Samsung Pay is a convenient one-tap contactless payment and digital wallet app available to Samsung phone owners. A simple swipe up from the lock screen opens your payment options, allowing you to pay instantly. 

Recently, Samsung Pay has overtaken Google pay as the second-largest mobile payment app (behind Apple Pay, the most popular app). 

Features of Samsung Pay:

• Availability in 29 countries. While this is fewer countries than Google Pay supports, the list is constantly growing. 
• Support for most major credit and debit cards. Samsung Pay supports most major payment platforms, including all major credit card companies. The full list is on their support website. Samsung Pay also offers support for PayPal payments. 

• Samsung Rewards. With Samsung Rewards, you can earn points for each purchase you make while using the app. These points can be redeemed to make purchases using the Samsung app (or on the Samsung website). 
• Mobile wallet for cards and passes. Store and use gift cards, membership cards, and loyalty cards with the app by scanning the card’s barcode. Samsung Pay also allows you to create a digital wallet, including creating a verified Vaccine Pass from your vaccination documents. 
• Compatible with Samsung smartwatches. Some Samsung Galaxy wearables support Samsung Pay, including the Gear S3, Galaxy Watch3, and Galaxy Watch Active2. 
• Supports both NFC and MST (Magnetic Secure Transmission). MST technology allows your Android phone to communicate with older magnetic stripe card readers that require you to swipe a card. However, support for MST is being removed as of the Galaxy S21. 

• Added security. Your Samsung Pay details are protected by Samsung Knox and tokenization. Like Google Pay, your card information isn’t sent to merchants. Further, Samsung Pay allows you to use Find My Mobile to remotely lock your account or remove the app from your mobile phone. The app also supports fingerprint and facial recognition authentication. 

Where Samsung Pay Needs Improvement

While Samsung Pay meets the major requirements of a contactless tap-as-you-go payment app, it has three significant drawbacks in functionality. 

• Limited compatible smartphones. Samsung Pay is only available on Samsung smartphones and does not work on other Android models. If you decide to buy a non-Samsung device, you’ll have to set up Google Pay (or another alternative) as Samsung Pay won’t be available. Despite this limitation, Samsung Pay has more active users than Google Pay. 

• An annoying number of ads and pop-ups. A common frustration for Samsung users is the gradual introduction of ads into the native Samsung apps, which holds true for Samsung Pay. Many users complain that intrusive ads even pop up during the payment process. 
• Removal of MST support. While more and more places are getting on board with NFC terminals, many still use MST. The last Samsung models to support MST payments were the Samsung Note 20 series. Unfortunately, this was the main reason many users decided to use Samsung over Google. 

Samsung Pay vs. Google Pay: Which is Better?

Samsung Pay and Google Pay are similar in terms of the service they provide and payment methods they support (including online payments). Still, Google Pay supports more devices and is available in more countries. 

The main reason to choose Samsung Pay is if your area still mainly uses MST terminals. In that case, you won’t run into the issue of being unable to pay with Google Pay. However, with NFC technology becoming more popular (and Samsung withdrawing support for this), it isn’t a deciding factor. 

Google Pay offers peer-to-peer payments in the US, which can be helpful in many situations and helps to cut down on the number of apps you need. This is possible with Samsung, but you need to sign-up for Samsung Pay Cash as well. 

Another major reason to choose either app is the other accessories you own. For example, if you have a Samsung smartwatch, you’re better off going with Samsung Pay. 

Which Should You Choose? 

Both Google Pay and Samsung Pay are great choices if you want to move into the world of all-in-one contactless payment and card wallet apps. 

Since the two apps are so similar, we recommend installing both (they’re both free to set up) and trying them out. This way, you’ll get a feel for each, and you can decide on the app which fits your preferences. 

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