New Samsung Pay Mobile Application Update Supports UPI Payments in India


Hi, Friends welcome to the Mirchitech blog. Today I want to share something special with you, and it is Samsung Pay support for UPI payments has reportedly gone live in India. According to a SamMobile report, Samsung has quietly rolled out the UPI integration with an 84MB size app update today.

The South Korean company launched the Samsung Pay mobile payments service last month in India. During the launch event, the company said that it is testing the UPI payment integration and it will add the support within two weeks.

Just to remind, Samsung Pay supports two kinds of technologies to make payments- Near Field Communication (NFC) and company’s own MST (Magnetic Secure Transmission). NFC payment systems have been around for a while (although not in India), but MST is new and it allows a user to send a magnetic signal from smartphone to the payment terminal wirelessly without having to touch the card reader machine, like what you’ve been seeing in Samsung Pay ads.

Samsung Pay UPI

Also, for those who are unaware UPI payment system. It is the Unified Payments Interface by RBI which allows transferring of funds between any bank in India. To note, Samsung Pay’s UPI solution is powered by Axis Bank.

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Using Samsung Pay, you can make payments without physically needing to swipe your debit/credit card at a PoS terminal (card swipe machine). The app widely uses NFC technology for contactless payments at compatible PoS machines. However, it also features a proprietary Magnetic Secure Transmission (MST) technology which allows the app to emulate magnetic stripes on the debit or credit card. With this, users don’t need to physically carry the cards with them while making a transaction.

What is Samsung Pay?

Samsung Pay is basically a digital payment solution. This payment solution works only with Samsung Smartphone and other devices. It is one of the most popular mobile payment services in the world. It has been active in global markets like the US, China, Malaysia, Australia, Singapore, and Russia for a long time. And recently, the company launched it in India.

It allows you to pay with your credit or debit cards without using your physical cards. With Samsung Pay, you do not need to carry your cards. All you need to add your card details in Samsung Pay app. Through it, you can pay to any POS machine (point of sale machine used in shops) without swiping or be presenting your card.

Samsung Pay

It uses MST and NFC technology to transmit your card details to POS machines. These technologies transmit your card details from phone to swipe machine. It is similar to the physical card swipe.

In India, you can not only pay with your cards but also with your Paytm wallet. Samsung has integrated Paytm in it to make it more convenient for users. To with Paytm, you need to add your Paytm account with it. The company is also working to provide UPI integration with Samsung Pay. It will be integrated in few weeks and then you will be able to make account-to-account payments.

How does Samsung Pay work?

As I have already told you, Samsung Pay uses NFC (Near Field Communication) and MST (Magnetic Secure Transmission) to transmit your card details. In India, most of the older POS machines rely on the magnetic signal from physical cards. Hence, having MST support allows Samsung Pay to work with these swipe machines as well as newer NFC supported machines.

It securely stores your card details within your Smartphone when you add a card. You can add more than one card in Samsung Pay. To pay money, you need to open the app and choose a card to pay. The app will then ask for the fingerprint or PIN, based on your preference. Scan your fingerprint or enter PIN and take the phone close to the swipe machine.

Samsung Pay will transmit the card details to the swipe machine. Swipe machine will then ask for the amount and PIN. Note that this PIN is your debit/credit card PIN. Enter it carefully and your Payment will be completed.

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You can use Samsung Pay at every shop which has a swipe machine. Thanks to its MST support, you can use it to older card swipe machines. Note that older Indian swipe machines do not have NFC supports. Instead, they use magnetic signals to read cards. It mimics the magnetic signal of a card with MST. The machine thinks that a card has been swiped and it gets the details via MST. The process of Samsung Pay is as easy as it could get.

Steps set up Samsung Pay

  • You need a supported phone and a stable internet connection.
  • To use Samsung pay, you also need a Samsung ID and password. You can get these by registering for Samsung account.
  • Also, don’t forget to add your Samsung account to your phone. Go to settings>>Accounts>>Add account.
  • Ensure that your phone is running on latest software. You can check and install updates from settings>>About Phone>>Software Updates.
  • If your device is in the above list and running on latest software. Then you will see an icon for Samsung Pay. Tap this icon and install it on your phone.
  • Complete one-time registration using Samsung ID and password. Register your fingerprint for maximum security. You can also use only the PIN for security.
  • Now, add your cards and enjoy making payments with it.

Samsung Pay Supported Devices

Samsung Pay is available for Samsung Galaxy smartphone (Galaxy S7 edge, Galaxy S7, Galaxy Note 5, Galaxy S6 edge+, Galaxy A5 (2016), Galaxy A7 (2016), Galaxy A5 (2017) and Galaxy A7 (2017). Samsung’s patented Magnetic Secure Transmission (MST) technology as well as with Near Field Communication (NFC). MST replicates a card swipe by wirelessly transmitting magnetic waves from the supported Samsung device to a standard card reader.

In the future, this will be extended to more Samsung devices as well as wearables, starting soon with the Samsung Gear S3 Smartwatch.


Hello, friends, I am jimmy, this is the information about Samsung Pay Supports UPI Payments in India and enjoy it. Share this article on social media because sharing is caring. And if you have any question then send a message to us. Take care friends. Keep visiting and keep reading.


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