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Samsung Pay can be used with any merchant whose terminal can accept Near Field Communication (NFC), and because Samsung Pay also uses Magnetic Secure Transmission (MST), it can be used virtually anywhere you can swipe your card. Look for these contactless payment symbols at checkout.
When making purchases using you phone Samsung phone at a merchant equipped with a contactless payment terminal, simply hold your device over the terminal and accept the charge with your fingerprint or passcode when prompted. A subtle vibration and beep will let you know your purchase was successful.