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What is MST?

MST (Magnetic Secure Transmission) is a groundbreaking technology for sending data using magnetic waves with the same card readers retailers have been using for years. It replicates a card swipe by wirelessly transmitting magnetic waves to a standard card reader, enabling virtually every card reader to receive mobile payments.

What is NFC?

NFC (Near Field Communication) wirelessly transmits data using radio waves. Samsung Pay uses NFC to wirelessly transmit payment information to payment terminals with NFC readers that have been activated for use.

What is the difference between MST and NFC technology?

With Samsung Pay, either NFC or MST technology can be used to make secure, contactless transactions. The key difference is that NFC requires an NFC-enabled card reader (newer technology available at far fewer U.S. retailers) whereas MST works with many more types of card readers. Because Samsung Pay incorporates both NFC and MST technologies, it works almost anywhere you can swipe or tap your card.1

Which is more secure, MST or NFC?

Actually, they both have the same level of security. That’s because payment information transmitted by MST and NFC is protected using the same tokenization process.

How close does the device have to be to the card reader for MST to work?

For best results, hover your device about ½ inch over the card reader above where you’d usually swipe or tap a physical card. If the transition doesn’t process, move your device slowly across the terminal.

How accurate is the fingerprint scanner?

The fingerprint scanner is very accurate. It has a “False-Acceptance Rate” of less than 0.00002%.

Only compatible with select cards, carriers and Samsung devices; see the Samsung Pay Support page for compatibility information.

©2016 Samsung Electronics America, Inc. Samsung, Samsung Pay, Samsung Galaxy, Samsung Knox and Galaxy S (and other device names) are trademarks or registered trademarks of Samsung Electronics Co., Ltd. Use only in accordance with law. Other company and product names mentioned may be trademarks of their respective owners. Screen images are simulated; actual appearance may vary. Samsung Pay is available on select Samsung devices. All Cambridge Savings Bank debit cards (with the exception of business debit cards) and credit cards (with the exception of American Express credit cards) are offering Samsung Pay. We anticipate that Cambridge Savings Bank American Express cards (issued through a partnership with Elan Financial Services) and Cambridge Savings Bank business debit cards will have Samsung Pay in 2017

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