Samsung Pay doesn't actually work in the slot-style readers (like what gas pumps and ATMs most commonly use). And MST still won't help with the unfortunately extremely common "the business owner hid the card terminal" case. All it really gains you is pay by phone at a few more places than what NFC allows.
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Apple Pay Coming to Canada's Banks Starting With RBC and CIBC Today
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Samsung Pay doesn't actually work in the slot-style readers (like what gas pumps and ATMs most commonly use). And MST still won't help with the unfortunately extremely common "the business owner hid the card terminal" case. All it really gains you is pay by phone at a few more places than what NFC allows.
The announcement of ScotiaBank made me wonder what was going on with Tangerine, as it is a property of ScotiaBank. Therefore I messaged Tangerine on Facebook. Here is their answer 
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Actually, Ive seen my friend use Samsung Pay almost everywhere. Gas stations, grocery stores, restaurants and more. Plus he was able to get cash back as well. My iPhone only works at Apple Pay approved stores which is ridiculous in comparison. I just wish Apple would implement this technology and improve on it.
The announcement of ScotiaBank made me wonder what was going on with Tangerine, as it is a property of ScotiaBank. Therefore I messaged Tangerine on Facebook. Here is their answer
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Wonderful!
I'm glad to hear that it's coming very soon.I call BS on that. Aside from some hiccups, Apple Pay will work anywhere that allows NFC ("tap") payments.
And the person to whom you replied is correct: Samsung Pay will not work with card readers where it is necessary to insert your card into the reader.
Edit: changed link to Samsung's site
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Don't get me wrong--MST might work out perfectly well for those who only visit major retailers, go inside to pay for gas, etc. However, a lot of businesses still swipe/insert cards themselves instead of letting customers do it, and you're not going to want to hand your phone to someone just to pay with it.
Around me only gas stations, grocery stores and major retailers really allow you to swipe your card yourself, for the most part.
That's because chip + pin isn't the prevalent form of processing credit cards. Here in Canada where chip + pin is standard there's always a customer facing terminal as the customer needs to punch in the pin.
Samsung Pay's ability to work on swipe terminals, Apple will never implement it. Swipe is on the way out even in the US, and Apple's has never like supporting standards that are even remotely showing signs of obsolescence.
Certain models of terminals are actually small enough that they can be realistically handed over to the customer, so a PIN pad isn't strictly necessary. But even at the small businesses with them, there's no guarantee that you'd be able to enter a PIN or even use Apple Pay, as many keep the PIN pad on their side of the counter. Ironically that might actually make the lines move faster since the clerk probably has way more experience inserting a card than the customers.
Honestly, I'm resigned to the US never having contactless infrastructure anywhere near as good as e.g. the UK, Canada or Australia. But hopefully it'll be "good enough" so that Apple Pay gets more use.
My understanding is that validating through the bank's app is pert of the security process for Apple Pay.
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Think kilt.
Yeah exactly - it's a Scottish accent. That's why I don't get why certain Canucks would be embarrassed of it. I would think it would be something to celebrate -- but maybe that's just me?
Haha, that was funny when you said ApplePay works "everywhere" NFC payments are allowed. Now thats BS.
The point im making is that Samsung Pay works in way more places than Apple Pay. I hope Apple implements and improves on this technology.
Apple cannot implement MST tech as Samsung bought the company that made it.
To the best of my knowledge, they have no plans to license it out either... especially to Apple.
MST is simply a transitional tech anyway as swipe readers will eventually go away.
My take a few years, but it will go away.
You are correct about NFC payments.
Not all NFC enabled terminals will accept Apple Pay transactions.
The merchant has to enable that payment type before it can be accepted.
For Amex I found that to be the case in some locations, but with VISA I haven't had a single problem at any locations so I'm pretty sure it's the other way around, that a merchant has to specifically disable Apple Pay. Stores that took Amex tap but not Apple Pay with Amex work fine for me with VISA on Apple Pay.
Actually, I said "aside from some hiccups, Apple Pay will work anywhere that allows NFC ("tap") payments". Any NFC terminal will accept Apple Pay but the software may need an update. And your claim that Apple Pay "only works at Apple Pay-approved stores" is utter crap--any merchant with NFC activated and up-to-date software (and we all the importance of that) will accept Apple Pay, Samsung Pay, Android Pay, etc. If you only visit certain stores that don't care to update their software, or buy/rent modern terminals, that's your business, but to claim
is pure, unadulterated cow poop. It will work other places, if you go to other places.
That's probably just a US thing. Here I haven't see a terminal without an integrated chip reader and keypad in years. As for speed, it's just a case of the user getting use to the system. In Canada chip + pin is already old news so everyone with a credit or debit card is already used to the procedure.
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It's probably more of a Amex issue rather than an Apple pay issue. Amex is always a special case. I know of a number of stores with terminals where the NFC works fine with Mastercard or Visa, but doesn't work with Amex. There are also some self-checkout terminals where NFC again works as normal for MC and Visa but with Amex it will take the NFC payment but will then ask for a digital signature.
That's what I mean though, the new terminals have a chip slot and a number pad but nothing customer-facing unless the merchant hands it over. Which they'll only do if they happen to know that they can take AP (rare) or if a PIN's needed (also fairly rare unless they know they can run debit cards over a network other than Visa/MC).
Nope... CVS wouldn't take my Visa card via Apple Pay even thought the terminal was NFC enabled. The store has to accept the method of payment, not just the card type. They now have the Apple Pay logo on their terminals and now all my cards work via Apple Pay.
The Home Depot near me has an NFC enabled reader, yet will not take Apple Pay. Android Pay works just fine.
I think in Canada it is different. As far as I am aware, every NFC terminal is equipped to accept Interac. So any debit card issued by the big 5 will work with tap. Visa and MC as far as I know should work on the vast majority. Amex will only work if the merchant activates Amex tap. I have tried using my Amex card with Apple Pay and in many cases it will not work.
Ever since Apple Pay launched here, I have used my RBC debit card in places my Amex wouldn't work with success.
Ever since Apple Pay launched here, I have used my RBC debit card in places my Amex wouldn't work with success.
I believe that's a US thing. Up here in Canada everything (other than Amex, I assume) goes through the Interac network, so Apple Pay will work by default.
Yup. Thats what makes Apple Canada "Use Apple Pay in these featured stores" section so confusing. What the heck is the point of listing those merchants ? It even has a "coming soon" section. Why ?
http://www.apple.com/ca/apple-pay/
You are right, the average person might find it confusing. I had a friend who isn't tech savvy ask me if Apple Pay worked anywhere else besides the places listed. He thought you could only use it at the listed sponsors.
It might deter people from using it since they think, what's the point? If I can't use it everywhere I might as well just use my card.