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Hãy viết đoạn tóm tắt về nội dung bằng tiếng việt kích thích người mua: Which tap to pay system is best?

The Google Pay and Samsung Pay apps offer Android users a convenient way to make payments via NFC (Near Field Communication) technology. Through these apps, you can tap a compatible device against an NFC reader to make payments without pulling out your card. These apps are available on most Android phones and our favorite Android smartwatches.

If you live in the U.S., Singapore, or India, Google Wallet is available alongside Google Pay, and Google Wallet is not available in India. In this article, we’ll refer to the Google Pay app, which is only available in these three countries. Not sure exactly how tap-to-pay works? Check out our guide on NFC technology and how it’s used.

History and evolution of Samsung Pay and Google Pay

Samsung Pay and Google Pay have undergone several changes over the years, so if you’re confused about the constantly shifting terminology, here’s everything you need to know.

Samsung Pay

Samsung Pay launched in 2015 and was rebranded to Samsung Wallet in some countries in June 2022. The new app combined the Samsung Pay and Samsung Pass apps to become a hub for everything related to payments, digital IDs, digital keys, and loyalty programs on Samsung Galaxy phones. However, the app was not renamed in South Korea despite functioning the same as Samsung Wallet.

Google Pay

Google Pay followed a similar but more complicated history to Samsung Pay. Google launched Google Wallet in 2011 and Android Pay in 2015. These apps were merged into a single app (Google Pay) in 2018 before being renamed to Google Wallet in 2022. Today, Google Wallet is the world’s predominant name for the app. However, the action of making payments through cards stored in the wallet is referred to as Google Pay.

However, in 2020, Google launched Google Pay (2020) alongside the existing Google Pay (2018) app. This app, sometimes called GPay, is only available in India, Singapore, and the U.S. and is useable alongside Google Wallet in Singapore and the U.S.

Confused? That’s fine. However, despite the different names, today’s Google payment apps have broadly the same features. The app below is the one we refer to throughout this article.

Installation and device integration

The significant difference between Samsung Pay and Google Pay is the devices they support. If you have a Samsung phone, you can install any payment service. However, if you own another Android device or iOS, you can only use Google’s payment platform, as Samsung Pay is locked to Galaxy phones.

While you can use Google Pay on iPhones, the tap-to-pay functionality doesn’t work as it’s restricted to only Apple apps. Meanwhile, Google Wallet is not available for iPhones.

Regional availability and local card support

Samsung Pay is available in 15 countries. Google Pay is only available in three countries (the U.S., Singapore, and India), but its functionally identical sibling, Google Wallet, is available in 66 countries.

Google Pay and Samsung Pay work with almost any card in the U.S. Most newly added banks are smaller local networks and credit unions, and they keep coming. At this point, there are so many supported banks that it’s becoming hard to find ones that aren’t listed.

Google Pay and Samsung Pay also support membership cards, gift cards, and transit passes in a few places. Some airlines have added plane tickets. Although, the app’s reliance on your phone number for logins is a bit annoying.

Online and in-person payment options

Google Pay and Samsung Pay support NFC technology, allowing you to make physical payments by tapping your NFC-supported Android phone on a compatible card reader. Not all merchants have NFC-compatible payment terminals, so this isn’t always an option.

Samsung phones used to have a technology called MST (Magnetic Secure Transmission) to push the magnetic stripe data from your card to non-NFC terminals, but not anymore. The latest Samsung Galaxy S23 series lacks the feature. Don’t hold your breath for future support, either. Samsung moved away from that with the Galaxy S21 family when it dropped MST support in the U.S., eliminating one of Samsung’s major advantages over Google Pay.

As far as online payments go, many retailers have both platforms as accepted payment gateways, and the number continues to increase. However, Google Pay is the commonly accepted platform.

Data security

NFC payments are, despite what you may hear, highly secure. As long as your phone is protected with a code or biometric unlock method, NFC is more secure than using a physical credit card. That’s not only because of the extra authentication layer. Your actual credit card number is not stored on your phone with NFC payments. Instead, a virtual card number is assigned to you, which the card reader sees when you use tap-to-pay, making your real card number harder to compromise at the point of sale level.

However, Samsung Pay might have a data security edge over Google Pay. While both services have data encryption and built-in authentication, Samsung’s solution is secured by Knox, the company’s mobile security platform and robust encryption solution. Knox is built into Samsung phones, from the Galaxy S10 and Galaxy Note 10 to the Galaxy S23 Ultra. It’s also available on several Galaxy Tab tablets, M series phones, and A series phones.

Rewards

Samsung Pay and Google Pay support gift and membership cards. Samsung offers numerous discounts and special deals (which can be spammy). Although, odds are you won’t care about most of the retailers offering discounts in the app. Meanwhile, Google Pay offers more robust rewards, cashback from several merchants, and various in-store and online coupons.

The best aspect of Samsung Pay is Samsung Rewards. It allows you to earn points while shopping on the service and later redeem them through purchases on the Samsung app or official website. While its loyalty cards, vouchers, and other offers are great, Google Pay falls short in this regard, as it lacks its own rewards system.

Google Pay vs. Samsung Pay: Which should you use?

Due to Samsung Pay’s exclusivity, you’ll only have to choose if you pick a Samsung phone. However, even if you own one of our favorite Samsung phones, you might find that Google Pay is a better option as it’s widely accepted among retailers. Still, you can use both apps at the same time. But if you decide that Google Pay is the better option, here’s how to deactivate Samsung Wallet (and Pay) on your Galaxy phone.

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