Now that I know more about Samsung Pay, the big news is that it can be used with most traditional card readers. That's huge; very few places I go to take Apple Pay. Like ApplePay, Samsung Pay uses tokenization, fingerprint authorization, and NFC (if available). It's reported to be as fast as ApplePay. Unlike ApplePay, it sounds slightly less convenient by requiring a swipe from the lock screen before using. But that's minor compared to the convenience of using it at 95% of merchants, rather than 5%. I suppose this great disparity could change as more merchants upgrade their terminals. But a prediction that 59% of US merchants would upgrade to NFC terminals by now hasn't panned out, and some who have upgraded have disabled ApplePay. To me, it looks like Samsung Pay will be much better than Apple Pay for the foreseeable future. Thoughts?