I Shopped With Samsung Pay All Over NYC But It Couldn't Kill My Credit Card

Paying with your phone has always been a confusing experience thanks to competing standards and scattered compatibility. Samsung Pay is a new payment system that it says works everywhere you can swipe a credit card -- but only on Samsung's newest phones. It's not going to be available in Australia until 2016, but you can watch it at work in this video.

In this video, we took a Galaxy S6 Edge+ out on the town equipped with the new payment system to see how how it actually works.

Watch the video above!

Samsung Pay is just recently available in the U.S. -- with a few caveats thrown in. You need a Visa, Mastercard, or American Express card issued from a participating bank. If the financial planets align, then it's time to check out Samsung Pay.

In the time I spent paying with Samsung Pay's beta release, it became clear to me that the technology does work mostly as advertised. I was able to pay at locations that didn't officially accept mobile payments of any kind, and the process was the same as using an NFC terminal. You scan your fingerprint on the phone and hold it near the card swiper. Simple. The biggest stumbling point was having to explain to confused cashiers that this was actually going to work.

I Shopped With Samsung Pay All Over NYC But It Couldn't Kill My Credit Card

It was great entering a store and not having to look for an NFC terminal, or wondering which standard it supported. If I saw a swiper, I could be reasonably confident that this was going to work.

Despite the fact that Samsung Pay works in more places than Apple Pay, or any other mobile payment system, I was still left underwhelmed. There are still many, many places that don't let you swipe your own credit card -- the key mechanism by which Samsung Pay works. Petrol stations, coffee shops -- most of the time you end up handing your credit card to a cashier.

Unless you are comfortable handing them your phone and explaining what to do (most people are not), this makes any mobile payment system moot.

Mobile payments are a great promise of the future. Samsung Pay may fulfill this promise better than any provider yet. But even with rock-solid technology, the infrastructure just isn't there to make it a replacement for your physical cards.

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    Yeah, no.

    I can't see any of these mobile phone payment systems making too big of a dent in the chip-and-pin paywave cards we have. In fact, I would say that most stores would probably pass on it if it meant expensive upgrades to their NFC payment systems that most people wouldn't take advantage of (why would anyone go through the effort of setting up a pay account on your phone when their card does the exact same thing).

    You need 2 hands to get a credit card out but only one hand to get your phone out. I'm not sure which is more likely to be lost or broken though or even just plain no battery. I'd expect the phone to be less reliable.

    In my experience, the only time I can't use Samsung Pay is when the payment terminal is not on the counter in front of you, as in most bars and sit down restaurants. Everywhere else, as long as the card swiper is within my reach, I can use Samsung Pay. I just ask the cashier if they are ready to swipe the card, then hold my phone over the mag stripe reader. Works almost every time, except with square card readers.

    You should never have to hand your card over to a cashier.

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