How will Samsung Pay work with CaixaBank?
We knew that Samsung Pay It was Samsung's mobile payments platform. And we know that CaixaBank is a bank. What do they have to do with each other? Well, actually, Our money comes out of the bank account When we want to pay using Samsung Pay, where will our bank account be located? At the bank, of course. This means that initially, only Samsung Pay users will be able to use Samsung Pay as a payment method. CaixaBank or imaginBank clientsYour mobile bank. Which app will you need to use to pay? Samsung Paywhich will be coming soon to the Google Play Store. With this app, and our fingerprintWe will be able to pay at any store that has a virtual payment terminal, a card reader, compatible with wireless payment technology, which are already 70% of establishmentsIn the app, we will have to register our Credit or debit cardWhich, logically, will have to be from CaixaBank. So far, it's the only partner, and it's possible it will remain so, at least for some time.
Beyond the initial setup, the user experience is very simple: all you have to do is swipe up To open the application, confirm with your fingerprint and bring the mobile phone close to the Contactless POSFor the user there are no fees for paying with the mobile and the operation is as fast as a contactless card.
Card registration is quick and easy: the app allows scan the card with the camera and complete the verification with a SMS code which the bank validates before activating the payment method. After verification, the card is ready for in-person purchases and, at compatible merchants, also online via biometric authentication.
When will it be available?
The only information we have about when Samsung Pay will be available is that It will not be launched before Mobile World CongressNot before, but probably at the event. You just have to be a little clever to figure it out. Samsung will present its new Samsung Galaxy S at the Barcelona trade show. In previous editions, CaixaBank already used that fair to showcase wireless payment technologies. And CaixaBank will have a management presence at the Mobile World Congress, so it seems clear that there will be more news at the Barcelona trade fair about when Samsung Pay will arrive in Spain.
Security and coverage in stores
On the other hand, the method is completely SafetySamsung Pay uses digital tokenization, the security layer Samsung Knox and biometric authentication to ensure secure payments. Furthermore, since smartphones are updated to EMV standard (Europay, MasterCard and Visa), the level of protection of the card network is added.
For CaixaBank customers, as an extra, the service CaixaBankProtect (also known commercially as CaixaProtect) It covers fraudulent use not attributable to the customer for cards, online banking, and mobile banking. For high-value transactions, the merchant or issuer may request a additional validationHistorically, contactless payments over €20 have required the entry of the PIN in the card reader, a threshold that may vary according to regulations and security policies.
Samsung Pay will be useful in the vast majority of stores. It works in over 70% of businesses in Spain operating with contactless technology, which represents an approximate fleet of 600.000 card payment terminals with contactless acceptance.
Activation with CaixaBank: cards and key settings
If we have any of the compatible devices (Samsung Galaxy S6, S6 edge, S6 edge+, S7 and S7 edge —Samsung has promised to expand the list—), we will only have to set up Samsung Payupdate the device or the pre-installed app and associate one or more cards credit or debit from CaixaBank. After scanning the card, a Verification code To register it; the bank verifies the process and everything is ready to use in store.
To be able to pay with your mobile phone, as with any other payment app, it is necessary select it as the default app For payments on Android: In Settings, under Wireless/NFC, use the option to Press to pay and choose Samsung Pay as the default. This avoids conflicts with other payment applications installed, including CaixaBank Pay (HCE), which also allows manage cards (activations, blocking, payment splitting and transaction information).
If the verification SMS does not arrive
Some users have reported incidents to Verify cards via SMS With CaixaBank cards on Samsung Pay/Wallet: the message doesn't arrive or the validation is pending. Before blaming the phone or the bank, check the following:
- Cellphone number Registered with the bank: check in your online banking that the phone number associated with your card is correct and supports SMS.
- SMS Coverage and BlockingTemporarily disables SMS filters, do not disturb mode, or apps that block messages.
- Default app and versionIt ensures that Samsung Pay/Wallet is up to date and is the default payment app On Android; try clearing cache and data only if you reactivate the card afterwards.
- Alternative MethodsIn some cases, verification can be completed from the bank app or by calling customer service; if you have other cards from other banks that are verified, the problem may be with the verification route from CaixaBank.
- SupportIf the problem persists, contact Samsung and CaixaBank support, providing the following information: time of attempt and device model; this allows them to track the OTP and retry sending.
Remember that, once verified, each purchase generates a notification immediate notifications on your mobile, so you can monitor your payments instantly and take action if you detect anything irregular.
Samsung and CaixaBank's innovation brings mobile payments closer Fast, secure, and widely acceptedSupported by tokenization, EMV, and additional bank protection, with the app set as default, verified cards, and a compatible mobile device, paying by tapping your phone against the POS terminal is as natural as using a contactless card, with the added benefit of biometric control and no extra costs for the user.
