Apple Pay vs. Samsung Pay vs. Google PayHow does Apple Pay compare to its rivals from Samsung and Google? We test them all to find the best mobile payment system.
[MUSIC] Mobile payment systems wanna free us from cash and cards. But are they ready to replace your wallet and which one is best? This is Apple Pay versus Samsung Pay versus Google Pay. [MUSIC] [MUSIC] Apple and Google use NFC or Near Field Communication to make a payment where you tap your phone on a terminal. Most newer terminals come equipped with NFC, but not all. Samsung Pay uses NFC and a technology called magnetic secure transmission When you hold the phone to a terminal it sends a signal that simulates the magnetic strip on a card. This means it works with older terminals. And all three let you make a limited number of payments even when there's no signal. So, I've been taking this test very seriously. And only using mobile payments for about a month now, Lexi. But why is that? [LAUGH] [LAUGH] Because I lost my credit card. My card. So I've actually appreciated having the option to do either Google Pay or Apple Pay. But even in San Francisco, a city that you would expect to be ahead of the game in terms of NFC terminals, That don't take either form of payment. And that's the clear advantage with Samsung Pay, is because of that MST, you're gonna be able to use this pretty much everywhere, and especially if the merchant has been a bit slow in updating their terminals to NFC or contactless, you're gonna be totally fine with Samsung Pay. Samsung Pay, even though it's worked 99 times out of 100, it In all of the places I've tried it. there was that one time, where it is a different kind of terminal, maybe it is like an iPad based system, something that is a little bit different, it won't work and it is really embarrassing cause the shopkeeper is like it is not going to work we don't do mobile payments and i give him the big spiel about Samsung pay and then it doesn't work and i am Really embarrassed. [MUSIC] And they're not just on your phones. Apple Pay works on other Apple products like the iPad and watch. Google Pay will work with newer Android phones and watches. And Samsung Pay is also on some Gear watches. They also work online. Apple Pay has browser payments in Safari and in several apps. Just confirm with your finger print, or your face, and you're done. Google Pay just rolled out browser payments, as well, in Chrome, Safari, and Firefox. But not many online stores use it yet. Google and Samsung Pay also work on sites that use Visa Checkout if you're shopping on your phone. So I do a lot of shopping online, and as a result I really love it when a site accepts a mobile payment system so I don't have to enter my details again. When they do take Apple Pay or Google Pay, it's pretty seemless. You don't have to input anything. All you have to do, at least for Apple Apple pay is our [UNKNOWN]. The downside with Apple pay is it only works in Safari. Google Pay you can do in any browser. Right, and the one thing I did find with Google Pay which was really interesting, when I did find an app that supported it, there are quite a few, it actualy tells you, Doing the Google Payout, exactly which ones it will take through the checkout. But because, when you use Google Pay, your phone is already unlocked, and you go and actually start to process the payment through the Google Pay interface, there's no second layer of authentication. You don't need to use your fingerprint or the PIN again to verify that you want to make that purchase. I accidentally bought stuff on Google Pay Checkout, in an app, because I didn't re-autthenticate. That was a bit of a pain point for me. It would be great if there was just an extra layer in checkout for people like me, who buy things accidentally. [MUSIC] [MUSIC] Apple Pay Cash lets you send money to friends through iMessage and split the bill. Google's version is called Google Pay Send. As you might expect only Apple users can send money to each other, but Google lets you send money to Andriod or iOS users, or through your computer. So sending money to friends we have the option of Apple Pay Cash or Google Pay Send. At the time we recorded this video, Samsung Pay does not appear to have a pre-pay option. Out of those two, which do you use? So, if I have to be completely honest, I don't use either very much. [LAUGH] Why? Because there's other options. For me, Google pay, the fact that I have to download, get another app, that's my biggest barrier of entry. I already have [UNKNOWN] installed on my phone. I already use social media to pay friends. Apple Pay cash is fine for other people with iOS devices. It's always a gamble. Do they have it? Do they don't? Same thing with Google Pay. And so I don't want to be guessing. I'd have to say I kind of agree with you here. I don't use one of those as my primary source of sending money. I use Zelle, which is in the US. It's a bank based, peer-to-peer transfer system. Because it's fast. Like within five minutes of send that money it's in my account. Which is kind of crazy. Google Send is probably the second fastest for me. It's usually within one business day it's in the account. And then Apple Pay. Unfortunately the slowest, it's one to three business days. But again, all of this depends on the bank that you're with and compatibility.>> Mobile payment systems use a method called tokenization to keep card details secure. Once you add your Pause to the app, it generates a virtual account number and your real card number is never given to the merchant. If your phone is stolen, all three let you wipe your device remotely which will remove your virtual wallet right along with it. [MUSIC] [MUSIC] But is your phone really ready to replace your wallet? We challenged all three to see which one could buy us more stuff in San Francisco. I took Google Pay and Apple Pay, and I took Samsung Pay to find out. [MUSIC] Hi, you take Apple Pay or Google Pay? [INAUDIBLE] Okay, thank you. I'm sorry. This place [UNKNOWN] thank you. [SOUND] Good. Thank you. [MUSIC] [SOUND] [MUSIC] Yay. [MUSIC] [SOUND] [MUSIC] [SOUND] So Vanessa, I think Samsung Pay clearly won this challenge. Not even a competition here. you have way more stuff than i do. i couldn't even get my morning coffee which would've been pretty upsetting if i was relying on Google Pay and Apple Pay alone. i did get some nice flowers and maybe it would've been a different story online. also in other countries around the world like Australia where I'm from nfc and tap to go is huge. it's like you can really get away with never having your wallet and only ever using your phone if you want to. On the other side of the coin there's El Salvador, where I'm from, where these type of payments aren't even on the radar. So we probably wouldn't have been able to buy anything. So at the end of the day knowing the benefits of each, which one would you choose? Samsung K, definitely. I know it's only available on Samsung devices, but I think it's enough of a gamechanging feature for me to. Totally get rid of my wallet if I don't want to carry it with me. I would probably do Samsung Pay as well. Obviously I am their number one target, I lost all my cards. [LAUGH] But I do look for other factors in a phone, so I don't know if that alone would be enough to sway me to buy the phone. [MUSIC]