FAQ – Al Masraf

Frequently Asked Questions

Samsung Pay is a convenient and simple way to make mobile payments with select Samsung Galaxy phones, and it works at virtually any retailer where you can tap, swipe or scan your card.

Samsung Pay offers a simple and convenient payment experience that is quicker than searching through your wallet or purse. Additionally, Samsung Pay adds a level of security to your payment information that physical cards don’t have.

Samsung Pay uses proprietary Magnetic Secure Transmission (MST) and Near Field Communication (NFC) to make contactless mobile payments.

Samsung Pay supports Galaxy S8, S8+, Galaxy S7, S7 Edge, Galaxy S6 Edge+, Galaxy Note5 ,Galaxy A3 (2017), Galaxy A5 (2016/2017), Galaxy A7 (2016/2017), Samsung Gear S3.

Currently, you can register all types of Visa/MasterCard cards(Credit/Debit) issued by Al Masraf.

Not currently. Samsung Pay is focused on enabling simple and secure in-store payments. Online and in-app purchases will be considered for future releases of Samsung Pay.

The payment cards on Samsung Pay are digital versions of your physical payment cards. If you lose your original payment card and then receive a replacement card, you need to remove the original payment card from Samsung Pay and register the replacement card.

Samsung Pay will be launched in the UAE and has launched in South Korea, United States (USA), China, Spain, Singapore, Australia, Puerto Rico, Brazil, Russia,Canada, and Malaysia . Samsung is working to expand Samsung Pay to additional regions.

  • Initiate Samsung Pay by either swiping-up from the home button or opening the Samsung Pay app from the home screen.
  • Select the card you want to pay with by swiping left or right.
  • Verify your fingerprint or PIN and touch your phone to either the card reader or NFC reader to complete the transaction.

Canceling a payment made with Samsung Pay is the same as a physical card. The exact process will depend on the policies of Al Masraf and the merchant you made the purchase from.

There is no “default” card in Samsung Pay When you open the app or activate the Simple Pay feature by swiping up from the Home Key on supported screens, the first card displayed is either the last card you registered or the last card you viewed or used.

In case that merchant may ask you for the last four digits of the card number, you will need to provide the last four digits of the digital card number, instead of the last four digits of the physicial card.

For ease of use, it is located on the left side of the card in the Simple Pay screen, and in the main app when viewing your registered cards.

Samsung Pay show last 10 purchases. To see that:

  • Open Samsung Pay
  • Choose the card

At the bottom you may see last purchases.

Yes. When you disable Samsung Pay or remove a registered card, you are only suspending the token, or digital card number, that has been assigned to your device for that card. If you wish to suspend you physical card, please contact us for assistance. You can add your credit and debit cards back into Samsung Pay at any time.

Make sure your device is connected on Wi-Fi or mobile data.

  • Select ‘Add card’ in the Samsung Pay app.
  • By using your device’s camera, scan your card information or manually input the card information yourself
  • Follow the instructions on screen to complete the payment details.
  • Read and Accept the Terms & Conditions.
  • Select SMS or Email option to verify your identify. Al Masraf will send you an OTP (One Time PIN) code that you will need to enter to continue.
  • You can also choose to add your signature.
  • Your registration is now complete and you will see the last 4 digits of your card and Token. Your card is now ready for Samsung Pay.

It will take 10 minutes for your card to be activated after registering to Samsung Pay.

You can register up to 10 payment cards in Samsung Pay. (Credit Cards, Debit Cards)

Yes, you can configure and use Samsung Pay on multiple devices. You will need to log into Mobile Banking on each device with your User ID and password.

Yes. However, for the best experience, the device should have a SIM card installed. If you encounter any issues when registering the card over Wi-Fi, we suggest switching to a cellular data connection.

Please pay with your physical card and contact Al Masraf at +971 60 052 9999 for further assistance.

Magnetic Secure Transmission or MST, is a groundbreaking method of sending data using magnetic waves. MST replicates a card swipe by wirelessly transmitting magnetic waves from the supported Samsung device to a standard card reader. MST turns every card reader into a contactless payment receiver.

Near Field Communication or NFC is a method of wirelessly transmitting data using radio waves. Samsung Pay uses NFC to wirelessly transmit payment data to payment terminals with NFC readers that have been activated for use.

For the average user there is no the differences between using NFC or MST. The technology, called MST is able to simulate the magnetic field, which is similar to a conventional credit card signal. Terminal thinks that you have held the card, rather than put the phone. The radius of action is similar to NFC – up to 7 centimeters.

For Samsung Pay, either MST or NFC technology can be used to make secure, contactless transactions. The key difference is that approximately 90% of all merchants can accept MST, which makes Samsung Pay the most accepted mobile payment service on the market.

In the context of Samsung Pay, MST and NFC have the same level of security. The payment information transmitted by both MST and NFC is protected using tokenization.

Fingerprint Scan has a False Acceptance ratio of 0.002%. In this case, Fingerprint is highly secured in which it is unlikely that a different person can log in the Samsung Pay with Fingerprint security.

To pay for the phone you need to bring to a distance of no more than 5 cm.

Using Al Masraf cards with Samsung Pay is secure. There are number of security features Samsung Pay transactions have. Some of them:

  • Your full card number is not stored on your mobile device – instead a unique Token number is used. The Token number is stored within the secured element of the device ‘Samsung Knox’.
  • All transactions are monitored by Al Masraf’s risk and fraud detection systems.
  • Every transaction is authorized through finger print or device PIN.
  • If your phone is lost or stolen, Samsung’s Find My Mobile feature enables users to locate, lock and even wipe their devices remotely. Alternatively you can call us and delete the card from your lost/stolen phone. Your physical card can still be used.

Tokenization is a method of replacing your sensitive payment card information (Card Number, Expiration Date, Security code, etc.) with a device-specific ‘Token’ which acts as a surrogate value. In mobile payments, Tokens are used to protect your payment information and to reduce the security risks inherent to plastic cards.

A Secure Environment is a physically segregated chip in the phone which only allows access to highly sensitive operations/information such as fingerprint and payment information. Normal applications and malware have no access to the information in a Secure Environment.

Samsung Knox checks and protectes the device for malware. If Samsung Knox detects a malicious software, Samsung Pay will be disabled by Samsung Knox.

No. Samsung Pay does not have access to your bank accounts.

No. Samsung does not store your personal/payment information on a Samsung server or the device.

Samsung Pay does not change the way your payment information is stored or handled when you make purchases.

Only a device-specific Token, which is used to replace your sensitive payment information, is stored on the device.

No. Formatting your device will remove all payment cards registered to your device.

If your device is lost or stolen, you can use Samsung’s Find My Mobile service to Lock Samsung Pay (remotely disable) or to Wipe Samsung Pay (remove all the payment cards registered onto your device). Please click here for further information.

Look for the Samsung Pay icon on your device.

Open Samsung Pay, Sign-in with a Samsung Account & start using the revolutionary way to pay.

If you do not find the Samsung Pay icon on your device, follow the below steps:

  • Step 1: Ensure that the device software is updated to the latest Android™ software
  • Step 2: Install any software updates available
  • Step 3: Once all updates are installed, Open Apps & Click on Samsung Pay icon & install the Samsung Pay app
  • Step 4: Sign-in with a Samsung Account & start using the revolutionary way to pay

You would need an internet connection to enroll cards / disable cards from Samsung Pay and to check card available balance / limit. To make Samsung Pay transactions, you do not need to have a cellular data or Wi-Fi connection. Please note that Samsung Pay may require you to periodically login to the app and connect to the internet with your device to keep the app active.

It’s fast

Samsung Pay is accepted almost anywhere in UAE and globally where you can swipe or tap your card to pay. Make your payment simply and quickly at your favorite store by holding your device close to the contactless terminal.

It’s secure

Samsung Pay does not send your actual debit or credit card number with your payment. Instead, a unique Token number is used to represent your actual card. Your card details always stay safe. As an additional level of security, transactions above AED 300 may prompt you to enter a PIN. You will also continue to receive SMS alerts for every transaction.

It’s easy to use

No need to carry multiple credit or debit cards or dig through your wallet for the right one. Instead, enroll Al Masraf cards into Samsung Pay and choose the card you want to pay with by simply scrolling through the list of cards.

You will get all the benefits, rewards and protection that your Debit or Credit Card currently provides when you pay with Samsung Pay.

Samsung Pay is currently free of charge

After completing a payment using Samsung Pay, payment confirmation will be displayed on your mobile screen. Additionally, you will continue to receive transaction alerts through SMS on your registered mobile number.

You can continue to use Samsung Pay till your card expiry date. Once you receive and activate your renewed card, you will need to enroll it into Samsung Pay.

Your Samsung Pay transaction will be declined if your card is blocked or suspended.

If your old card was blocked when you placed a request for replacement, you will need to activate and enroll your new card to continue using Samsung Pay.

All data on your phone should be deleted before selling/giving away your device. You should also delete all cards you have added to Samsung Pay. This is similar to what you would do for any other app which has stored your card details or what you would do to your Facebook and email accounts.

If your card is lost or stolen, please call Al Masraf immediately on +971 600 54 0000 to report the same so we can block the card and replace it. This will ensure that there are no unauthorized transactions on your card. After we block your card you will not be able to use Samsung Pay. Please remember that you will remain liable for all transactions on your card until the time of reporting the loss to the bank. Please refer to the terms and conditions of card use on our website.

Yes, you can. If she has compatible device, you can enroll her Supplementary Card on her device. Please note that AUTH CODE will be sent to Primary Cardholder’s registered mobile number and you need to enter this code to enroll her Supplementary Card. If you have any issues while enrolling her card, please call Al Masraf on +971 60 052 9999

You can remove your Al Masraf Card from Samsung Pay by selecting the card and then clicking on ‘MORE’ in the upper right hand corner of the screen. Select ‘Delete’ to remove the payment card from Samsung Pay and authenticate it either with your fingerprint or device PIN.

If you return an item paid with Samsung Pay, the store may require you to tap, wave or swipe your phone on the payment terminal to complete the transaction for refund.

Click here to know more about Samsung Pay or you can call Samsung Call Center on 60 052 9999

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