Services

Samsung Pay

Introducing Samsung Pay Website Banner

Samsung Pay lets cardholders:

samsung_pay_logo_vertical

  • Enjoy the things they love about their Visa card — right on their device
  • Use it almost anywhere they can swipe or tap their card
  • Count on security and control with fingerprint technology

With your FCCU Visa® card and Samsung Pay on your Samsung Galaxy device, it’s easy to pay almost anywhere you can swipe or tap your card.

How to Use

Click on your question below.

What do I need to use Samsung Pay?

To use Samsung Pay, you need:
  • A compatible Samsung device*
  • A supported payment card from a participating financial institution or a supported gift card
  • A Samsung account
  • A registered fingerprint or Samsung Pay PIN
  • To be located in the country of the participating financial institution**

*If compatible, newer devices will have Samsung Pay preloaded.
**For verification purposes, you must be located in the same country of the participating financial institution when adding a payment card in Samsung Pay.

How do I set up Samsung Pay?

Download and Install Samsung Pay

On compatible devices, a Samsung Pay shortcut will be preloaded, allowing you to download and install the app.

  1. Navigate to and touch Apps > Samsung Pay.
  2. To download the necessary files, touch INSTALL.
  3. To update the app, touch INSTALL.
  4. To open Samsung Pay, touch OPEN.

For more information and screenshots, click here.

Set Up Samsung Pay

  1. Navigate to and touch Apps > Samsung Pay.
  2. Touch START.
  3. Enter your Samsung account info. Then, touch SIGN IN.

    If you do not have a Samsung account, create an account by touching Sign up.

  4. Review the Samsung Pay Terms of Service. Then, touch AGREE TO ALL.
  5. To assign your fingerprint as the verification method, touch USE FINGERPRINT.

    If you have not registered your fingerprint on your device, you will be given a chance to do so.

    To assign a four digit Samsung Pay PIN instead of using your fingerprint, touch Skip and use Samsung Pay PIN.

  6. If you do not have a Pattern, PIN, or Password lock set up, you will be required to set one up.
  7. To register your fingerprint, place your finger on the Home button. After the device detects your finger, lift it up and place it on the Home button again. Repeat this action by moving your finger upwards or downwards until the fingerprint is registered.

    For best results, keep your finger flat against the Home button and lift it up at a moderate speed. The fingerprint sensor is sensitive to moisture, so make sure both the sensor and your hands are dry.

  8. To verify your fingerprint, touch the Home button with the registered finger.
  9. You can now add your payment cards and use Samsung Pay.

For more information and screenshots, click here.

How do I add a payment card in Samsung Pay?

Add a Card

  1. Navigate to and touch Apps > Samsung Pay.
  2. Touch ADD.
  3. Touch Add a credit card or debit card.
  4. Align your card inside the frame. Samsung Pay will automatically detect the card number and expiration date. If your device cannot detect the card information, touch Enter card manually.
  5. Enter any remaining required information. Then, touch NEXT.
  6. Review the Terms of Service. Then, touch AGREE TO ALL.
  7. To authenticate your identity, touch the desired verification method.
  8. Enter the OTP (One Time Password) and then touch SUBMIT.
  9. Enter your signature and then touch SAVE.
  10. To complete the process. touch DONE.

For more information and screenshots, click here.

Buy a Gift Card

  1. Navigate to and touch Apps > Samsung Pay.
  2. Navigate to and touch ADD > Buy gift cards.
  3. Touch the desired gift card merchant. You can sort the list of merchants by Most popular, A-Z, and Newly added.
  4. Enter the desired dollar amount and then touch BUY FOR MYSELF.
  5. To verify your identity, place your finger on the Home button or touch PIN. Then, enter your Samsung Pay PIN.
  6. To complete the process, touch OK.

Note:

  • After your card is added to Samsung Pay, it will need to be verified by the payment card network (i.e., Visa®, MasterCard®, or American Express®) and the card issuer (e.g., Bank of America®, Citibank®, or U.S. Bank).
  • The verification process will take approximately 5 to 10 minutes. During this time, you will be unable to use your card in Samsung Pay.

For more information and screenshots, click here.

Add an Existing Gift Card

  1. Navigate to and touch Apps > Samsung Pay.
  2. Navigate to and touch ADD > Load gift card.
  3. Touch the desired gift card merchant.
  4. Enter the card information and then touch CONFIRM.
  5. To finish the process, touch OK.

For more information and screenshots, click here.

Adding a Membership Card to Samsung Pay

Almost every card with a barcode can be stored on Samsung Pay, so you can add all of your membership and rewards cards to your phone.

  1. Navigate to and touch Apps > Samsung Pay.
  2. Navigate to and touch Memberships > Load membership card.
  3. Search for and touch the desired retailer of the issued membership card. If you cannot find the retailer, touch Add a card that is not on the list.
  4. To scan the barcode, align it within the frame.
  5. Enter the required information.
  6. You can add images of the front and back of the card.
  7. To add the membership card, touch SAVE.

For more information and screenshots, click here.

Manually Adding a Membership Card to Samsung Pay

Almost every card with a barcode can be stored on Samsung Pay, so you can manually add all of your membership and rewards cards to your phone.

  1. Navigate to and touch Apps > Samsung Pay.
  2. Navigate to and touch Memberships > Load membership card.
  3. Search for and touch the desired retailer of the issued membership card. If you cannot find the retailer, touch Add a card that is not on the list.
  4. Touch Enter card manually.
  5. Enter the Card name and Card number.
  6. You can add images of the front and back of the card.
  7. To add the membership card, touch SAVE.

For more information and screenshots, click here.

How do I make a payment with Samsung Pay?

Make a Payment

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.
    1. If the connection was unsuccessful or too much time has elapsed, try scanning the card again by touching the Retry icon.
    2. You will not be required to verify your identity again.
  5. If necessary, complete the transaction on the payment terminal. For example, if you are using a debit card, you are still required to enter your Personal Identification Number (PIN). Some merchants/terminals may prompt you to verify the total charges are correct, while others will require a signature.

For more information and screenshots, click here.

Device Placement for Payment Terminals

Please click here for examples.

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 into Samsung Pay again after your device has been reset.

Security

Click on your question below.

How secure is Samsung Pay?

When you Add a Card

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. A one-time password (OTP) may be requested by the card issuer to verify 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.

This process takes place every time you add a payment card. A new token will be generated even if you are attempting to add a card recently removed.

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.

   

When you Make a Payment

When you make a payment, you will need to authenticate by using your fingerprint or Samsung Pay PIN before the information can be sent to the payment terminal. The merchant will only receive a token, and your payment information will be kept secure. 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. Once authenticated, the payment will be approved and sent back to the merchant. Only the payment network and your bank will have information about the transaction.

  

If you Lose Your Device 

Your payment information is not 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.

Alternatively, you can choose to erase your entire device and/or removable storage. When you lock Samsung Pay using Find My Mobile, all payments will be disabled on the device. For additional security, Samsung Pay will request the card issuer to suspend any transactions made from the device. If you locate your device, you can quickly unlock your cards by authenticating your identity by scanning your fingerprint or entering your Samsung Pay PIN.

What is tokenization?

Tokenization is a method of protecting payment card information by substituting the card's number with a unique alphanumeric identifier, generated using proprietary algorithms.

The unique identifier, or token, is then used for sending the transaction to the card's payment network, where it is decrypted and the transaction authorized. The actual card number is stored in a secure vault (with the payment processor or bank) and does not reside on the merchant's or Samsung's systems.

Tokenization is being used to reduce security risks inherent in the collection and transfer of highly sensitive data between merchants and the card's payment network.

Tokenized data is not mathematically reversible and is useless unless you have the original key used to create the token, limiting the chance of your payment information being stolen or compromised. 

The transaction is seamless and requires no changes on the part of the merchant or consumer.

Is my credit/debit card number actually stored on my device?

No. The card information is encrypted and sent to the Samsung Pay server for processing with the payment card network's (i.e., Visa®, MasterCard®, or American Express®) tokenization server. After processing, a token is assigned to your device, and this token is used in place of the card number. When you process a payment, this token along with other transactional information is sent to the payment terminal. Your card number is not part of this data. The terminal processing the payment does not receive your card number as part of the transaction.

How does Samsung Pay keep my information private?

Samsung has strong privacy policies in place to safeguard your personal information. Samsung does not store any personal, transactional, or payment information on the device or its servers. Samsung Pay stores only the digital card number (token) provided by the card issuer's payment network, which can only be converted back to a card number when it reaches the payment network. For the updated privacy policy, please visit the Samsung account privacy policy.

Is my credit/debit card number actually stored on the Samsung Pay server?

No. The card number is encrypted and passed to the payment card network's (i.e., Visa®, MasterCard®, or American Express®) tokenization server. After processing, a token is assigned to your device, and this token is used in place of the card number. This token information is stored on the Samsung Pay server and a copy is stored on your device. Your card number is not kept on the Samsung Pay server.

Other FAQs

Additional support questions and answers can be found on the Samsung Pay support page.