Gadgetory

mobile payment systems want to 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 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 Alexi but why is that because I lost my credit card oh my physical credit card is nowhere to be found I already memorized the numbers and I just haven't replaced it so I actually appreciated having the option to do either Google Play 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 there's still a lot of merchants that don't take either form of payment and that's the clear advantage of Samsung pays because of that MST you're gonna be able to use this pretty much everywhere and especially for merchants has been a bit slow in updating their terminals - NFC your contact list you're gonna be totally fine with Samsung pay Samsung pay even though it's worked 99 times out of 100 in all of the places I've tried it there is that one time where it's a different kind of terminal maybe it's like an iPad based system something that's a little bit different it won't work and it's really embarrassing because the shopkeepers like oh it's not gonna work we don't do mobile payments and I give them the big spiel about Samsung pay and how it's definitely gonna work this technology will work and then it doesn't work in then I'm 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 fingerprint or your face and you're done Google paid 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 into my details again when they do take Apple pay or Google pay it's pretty seamless you don't have to put any cream all you have to do at least for Apple pay is authenticate the downside with Apple pay is that it only works in Safari we will 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 actually tells you when they do the pay up like exactly which ones it will take through the checkout process 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 like 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 check out in an app because I didn't real syndicate I was like yep continue it's got my payment oh it's processed the order and I didn't want it to sorry 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 bought things accessed or Apple pay cash lets you send money to friends through iMessage and split the bill Google's version is called Google pay cent as you might expect only Apple users can send money to each other but Google lets you send money to Android 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 have a peer-to-peer payment option out of those two which one do you use so if I have to be completely honest I don't need this either very much okay because there's other options other options that perhaps are better or that I had already been using so for me Google pay the fact that I have to download get another app that's my biggest barrier of entry I already have an MoU stalled in my phone I already use others like social media to pay friends Apple pay cash is fine for other people with iOS devices it's always a gamble just they have it do they don't same thing with with Google pay and so I don't I don't want to be guessing I 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 gel which is in the u.s. it's that bank based peer-to-peer transfer system because it's fast like we did five minutes of hitting chatted like send that money it's in my account which is kind of crazy Google pay same is probably the second fastest for me it's usually within like one business day it's in the account and then Apple pay cashes unfortunately slowest it's one two 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 cards 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 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 an Apple pay and I took Samsung pay to find out finally sorry Vanessa I think Samsung pay clearly won this challenge no it's not even a competition here you have way more stuff than I do I couldn't even get my morning coffee which would have been pretty upsetting if I was relying on Google pay and Apple pay alone I did get some nice flowers and maybe it would have been a different story online also in other countries around the world like Australia where I'm from and if say and tap to go is huge 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 was El Salvador where I'm from where these type of payments aren't even on the radar so we probably wouldn't been able to buy anything so at the end of the day knowing the benefits of each which one would you choose Samsung pay definitely I mean I know it's only available on samsung devices but I think it's enough of a game-changing feature for me to totally get rid of my wallet if I don't want to carry it with me I would probably choose Samsung pay as well obviously I'm their number-one target I lost the card 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 but what do you guys think which one would you choose please hit us up on the comments below and tell us what else you want to see compare next all right okay rolling if the windows ok reporting live from a hurricane in centre