Barnaamijyada^{(Contactless)} lacag-bixinta ee aan lala xidhiidhin waxay bixiyaan hab badbaado leh, hab ku habboon oo wax lagu bixiyo taleefanka casriga ah. Isticmaalayaasha aan iPhone-ka ahayn, waxaa booskan ku jira laba ciyaaryahan oo waaweyn-Samsung Pay iyo Google Pay . 

Maqaalkan, waxaanu ku liis gareyn doonaa sifooyinka iyo faraqa u dhexeeya Samsung Pay iyo Google Pay waxaanan ku qeexi doonaa app-ka lacag bixinta moobilka ee ugu mudan in la isticmaalo. 

Waa maxay Google Pay?

Google Pay , oo hore loo yiqiin Android Pay , waa app lacag-bixinta mobilada oo aad isticmaali karto si aad wax uga iibsato, sidoo kale aad lacag u dirto oo aad hesho. Si aad u isticmaasho, waxa kaliya oo ay tahay inaad sameyso waa fur telefoonka oo aad ku dhufatid terminalka lacag-bixinta ee aan lala xiriirin. 

Waa kuwan sifooyinka Google Pay :

• Helitaanka ballaaran. ^{(Wide availability. )}Google Pay waxa laga heli karaa 42 wadan taas oo ka xigta kaliya Apple Pay .
• Lacagaha fac-ilaalinta. ^{(Peer-to-peer payments. )}Si fudud uga soo dir oo lacag uga hel asxaabtaada iyo qoyskaaga Google Pay Send . Waxa kaliya ee^(All) aad u baahan tahay waa ciwaanka emailka ^{(email address)}Si kastaba ha ahaatee, P2P waxay la timaadaa khidmad dheeri ah, adeegana hadda waxaa laga heli karaa Maraykanka oo keliya. 
• Taageero ballaaran oo kaararka deynta iyo deynta. ^{(Wide support for credit and debit cards. )}Google Pay waxay taageertaa inta badan kaadhadhka kreditka iyo adeegyada lacag bixinta, oo ay ku jiraan American Express , Discover , MasterCard , Visa , iyo AMEX . Waxa kale oo ay taageertaa inta badan bangiyada waaweyn - hubi liiska bogga taageerada Google^{(Google’s support page)} . Google Pay sidoo kale waxa uu suurtogal ka dhigayaa in lagu bixiyo PayPal .

• Google Wallet waxa uu kaydiyaa kaadhadhka iyo kaadhadhka ^{(Google Wallet stores your passes and cards.)} Google Pay wuxuu kuu ogolaanayaa inaad ku kaydiso daacadnimada, xubinnimada, iyo kaadhadhka hadiyadda, iyo sidoo kale kaadhadhka safarka, tigidhada, iyo kaararka akoontiga hal meel. 

• Taageerada Wear OS smartwatch. ^{(Support for Wear OS smartwatches. )}Waxaad ku rakibi kartaa oo aad isticmaali kartaa Google Pay app-ka adiga oo isticmaalaya Wear OS smartwatch. Waxa kaliya oo ay u baahan tahay awoodaha NFC ( Isgaarsiinta Goobta dhow^{(Near Field Communication)} ). 
• Google Pay waxay bixisaa ^{(Google Pay offers. )}Waxaad geli kartaa Google Pay abaal-marinaha oo waxaad heli kartaa soo jeedinno gaar ah, wax-soo-ururinta, koodka xayaysiinta, iwm. 
• Amniga lagu daray. ^{(Added security. )}Google Pay waxay isticmaashaa calaamadaynta heerka warshadaha iyo tignoolajiyada NFC si ay ugu dirto xogta sir ah ganacsatada, taasoo ka dhigaysa mid ka ammaan badan kaararka deynta ee caadiga ah. Appku waxa kale oo uu ogolaadaa sawirka faraha ama aqoonsiga wejiga, waxaana jira xad xadidan inta laga iibsan karo ama lagu soo diri karo abka.

Meesha Google Pay ku Dhacdo Gaaban

Google Pay waxaa ka buuxa astaamo, inta badan isticmaalayaashana, waa abka ku habboon. Si kastaba ha ahaatee, waxay leedahay cillado yar, oo ay ka mid yihiin:

• Sifooyin xaddidan oo ka baxsan Maraykanka. ^{(Limited features outside of the US. )}Taageerada P2P^(P2P) waxa kaliya oo ay heli karaan isticmaalayaasha gudaha Maraykanka, taas oo war xun u ah isticmaalayaasha caalamiga ah. 
• UI-daran ^{(Cluttered UI. )}App -ka dib loo habeeyay ee Google Pay waxa uu helay dhaleecayn la taaban karo oo ku saabsan qaabayntiisa jahawareersan. Bixinta lacag bixinta waa sahlan tahay in ku filan, laakiin kala soocida kaararka ku jira jeebka dhijitaalka ah way adkaan kartaa. 
• Google Pay mar walba lama aqbalo. ^{(Google Pay is not always accepted. )}In kasta oo dukaamada intooda badani ay hadda taageeraan wax iibsiga Google Pay , qaar ma sameeyaan. Weli waxaad u baahan tahay inaad ku wareejiso habka lacag-bixinta labaad, kaas oo dadka qaarkiis, ka saaraya dhammaan barta lacag-bixinta ee aan lala xidhiidhin marka horeba. 

Waa maxay Samsung Pay?

Samsung Pay waa lacag bixin la'aan hal tabo ah oo ku habboon iyo abka boorsada dhijitaalka ah ee ay heli karaan milkiilayaasha taleefanka Samsung . Kor u qaadis fudud oo laga soo qaaday shaashadda qufulka ayaa kuu furaysa fursadaha lacag bixinta, taasoo kuu ogolaanaysa inaad isla markiiba bixiso. 

Dhowaan, Samsung Pay waxay dhaaftay Google Pay sida app-ka labaad ee lacag-bixinta mobilada (oo ka dambeeya Apple Pay , app-ka ugu caansan). 

Astaamaha Samsung Pay:

• Helitaanka 29 waddan. ^{(Availability in 29 countries.)}In kasta oo ay tani ka yar tahay waddamo ka yar taageerada Google Pay , liisku si joogto ah ayuu u korayaa. 
• Taageerada inta badan kaararka deynta iyo deynta. ^{(Support for most major credit and debit cards. )}Samsung Pay waxay taageertaa inta badan aaladaha lacag bixinta ee waaweyn, oo ay ku jiraan dhammaan shirkadaha kaararka deynta ee waaweyn. Liiska oo dhan^{(full list)} wuxuu ku yaalaa mareegtooda taageerada. Samsung Pay sidoo kale waxay bixisaa taageero lacag-bixinta PayPal . 

• Abaalmarinta Samsung. ^{(Samsung Rewards.)}Abaalmarinta Samsung^{(Samsung Rewards)} , waxaad ku kasban kartaa dhibco iibsi kasta oo aad sameyso markaad isticmaalayso app-ka. Qodobadan waxa lagu soo furan karaa si wax looga iibsado iyadoo la isticmaalayo app -ka Samsung (ama ^(Samsung)mareegaha Samsung^(Samsung) ). 
• Jeebka gacanta ee kaadhadhka iyo kaadhadhka ^{(Mobile wallet for cards and passes.)}Ku kaydi oo isticmaal kaadhadhka hadiyadda, kaadhadhka xubinnimada, iyo kaadhadhka daacadnimada abka adiga oo sawiraya barcode kaarka. Samsung Pay waxay sidoo kale kuu ogolaaneysaa inaad abuurto boorsada dhijitaalka ah, oo ay ku jirto abuurista PassVaccine Pass^{(Vaccine Pass)} oo la xaqiijiyay dukumeentigaaga tallaalka. 
• La jaanqaadi kara Samsung smartwatch. ^{(Compatible with Samsung smartwatches.)}Qaar ka mid ah xirmooyinka Samsung Galaxy ayaa^{(Samsung Galaxy)} taageera Samsung Pay , oo ay ku jiraan Gear S3 , Galaxy Watch3 , iyo Galaxy Watch Active2 . 
• Waxay taageertaa NFC iyo MST labadaba (Magnetic Secure Transmission). ^{(Supports both NFC and MST (Magnetic Secure Transmission).)} Farsamada MST^(MST) waxay u ogolaataa talefankaaga Android inuu kula xidhiidho akhristayaasha kaadhka xariijinta magnetka ee da'da weyn ee kaaga baahan inaad xoqdo kaarka. Si kastaba ha noqotee, taageerada MST waa laga saarayaa sida Galaxy S21 . 

• Amniga lagu daray. ^{(Added security.)}Faahfaahintaada Samsung Pay waxaa ilaalinaya Samsung Knox iyo calaamadaynta. Sida Google Pay , macluumaadka kaadhkaaga looma diro ganacsatada. Dheeraad ah^(Further) , Samsung Pay waxay kuu ogolaaneysaa inaad isticmaasho Find My Mobile si aad meel fog uga xirto akoonkaaga ama aad ka saarto app-ka taleefankaaga gacanta. Appku waxa kale oo uu taageeraa aqoonsiga faraha iyo aqoonsiga wejiga. 

Halka Samsung Pay uu u baahan yahay horumarin

In kasta oo Samsung Pay ay buuxisay shuruudaha ugu waaweyn ee abka lacag-bixinta tuubada-sida-aad-u-goob la'aanta ah, waxay leedahay saddex cilladood oo muhiim ah xagga shaqeynta. 

• Telefoonnada casriga ah ee ku habboon xaddidan. ^{(Limited compatible smartphones. )}Samsung Pay waxa kaliya oo laga heli karaa talefannada casriga ah ee Samsung kamana shaqeeyaan noocyada kale ee Android . Haddii aad go'aansato inaad iibsato qalab aan Samsung ahayn , waa inaad samaysaa Google Pay (ama beddelaad kale) maadaama Samsung Pay aan la heli karin. Inkastoo xaddidan this, Samsung Pay waxay leedahay isticmaaleyaal ka firfircoon Google Pay . 

• Tiro xayaysiis ah iyo soo-bandhigyo dhibsado ^{(An annoying number of ads and pop-ups. )}Niyad jabka caadiga ah ee isticmaalayaasha Samsung waa soo bandhigida tartiib tartiib ah ee xayeysiisyada abka Samsung ee asalka ah, taas oo run u ah Samsung Pay . Isticmaalayaal badan ayaa ka cawda in xayaysiisyada faragelinta leh ay xitaa soo baxaan inta lagu jiro habka lacag bixinta. 
• Ka saarida taageerada MST ^{(Removal of MST support. )}Iyadoo meelo badan oo badan ay ka soo galayaan marinnada NFC^(NFC) , qaar badan ayaa wali isticmaala MST . Moodaaladii ugu dambeeyay ee Samsung ee taageera lacagaha MST waxay ahaayeen taxanaha ^(MST)Samsung Note 20 . Nasiib darro, tani waxay ahayd sababta ugu weyn ee isticmaaleyaal badan ay go'aansadeen inay Samsung u isticmaalaan Google . 

Samsung Pay vs. Google ^{(Google Pay)}Pay^(Better) : kee^(Which) fiican ?

Samsung Pay iyo Google Pay waxay la mid yihiin adeegga ay bixiyaan iyo hababka lacag bixinta ee ay taageeraan (oo ay ku jiraan lacagaha online-ka ah). Weli, Google Pay waxay taageertaa qalabyo badan waxaana laga heli karaa dalal badan. 

Sababta ugu weyn ee loo dooranayo Samsung Pay waa haddii aaggaagu wali inta badan isticmaalo terminaalka MST . Xaaladdaas, kuma geli doontid arrinta ah inaadan wax ku bixin karin Google Pay . Si kastaba ha noqotee, iyadoo tignoolajiyada NFC ay noqoto mid caan ah (iyo Samsung oo ka laabatay taageerada tan), maaha arrin go'aaminaysa. 

Google Pay waxay bixisaa lacag-bixinno isku-fac ah gudaha Maraykanka, taas oo ku caawin karta xaalado badan oo kaa caawin kara dhimista tirada abka aad u baahan tahay. Tani waa suurtagal Samsung , laakiin waxaad u baahan tahay inaad iska diiwaan geliso Samsung Pay Cash^{(Samsung Pay Cash)} sidoo kale. 

Sababta kale ee ugu weyn ee lagu dooran karo abka midkood waa agabyada kale ee aad leedahay. Tusaale ahaan, haddii aad haysato saacadda smartwatch ee Samsung , waxaa kuu wanaagsan inaad la socoto Samsung Pay . 

Keebaa Dooran kara? 

Labada Google Pay iyo Samsung Pay labaduba waa xulashooyin fiican haddii aad rabto inaad u guurto adduunka lacag-bixin la'aan-hal-hal-hal-aad ah iyo apps-ka kaadhka jeebka. 

Maaddaama ay labada apps isku mid yihiin, waxaan kugula talineynaa in la rakibo labadaba (labadaba waa bilaash in la dejiyo) oo la tijaabiyo. Sidan, waxaad heli doontaa dareen mid kasta, oo waxaad go'aansan kartaa abka ku habboon dookhaaga. 

Samsung Pay vs. Google Pay: Which Is the Best Mobile Payment and Wallet App?

Contаctless payment apps offer а safe, convenient way to pay by smartphone. For non-iPhone usеrs, there are two major players in this space—Samsung Pay and Google Pay. 

In this article, we’ll list the features of and differences between Samsung Pay and Google Pay and describe which mobile payment app is most worth using. 

What Is Google Pay?

Google Pay, formerly known as Android Pay, is a mobile payment app that you can use to make purchases, as well as send and receive money. To use it, all you have to do is unlock the phone and tap it against the contactless payment terminal. 

Here are the features of Google Pay:

• Wide availability. Google Pay is available in 42 countries which is second only to Apple Pay.
• Peer-to-peer payments. Easily send and receive money from your friends and family with Google Pay Send. All you need is an email address. However, P2P does come with added fees, and the service is currently only available in the US. 
• Wide support for credit and debit cards. Google Pay supports most major credit cards and payment services, including American Express, Discover, MasterCard, Visa, and AMEX. It also supports most major banks – check the list on Google’s support page. Google Pay also makes it possible to pay via PayPal.

• Google Wallet stores your passes and cards. Google Pay allows you to store loyalty, membership, and gift cards, as well as travel passes, tickets, and account cards in one place. 

• Support for Wear OS smartwatches. You can install and use the Google Pay app via your Wear OS smartwatch. It just needs NFC (Near Field Communication) capabilities. 
• Google Pay offers. You can opt-in to Google Pay rewards and receive exclusive offers, collectibles, promo codes, etc. 
• Added security. Google Pay uses industry-standard tokenization and NFC technology to send encrypted data to merchants, making it more secure than traditional credit cards. The app also allows fingerprint scanning or facial recognition access, and there are limits to the amount that can be purchased or sent via the app.

Where Google Pay Falls Short

Google Pay is packed with features, and for most users, it is a perfectly suitable app. However, it has a few shortcomings, including:

• Limited features outside of the US. P2P support is only available for users within the US, which is bad news for international users. 
• Cluttered UI. The revamped Google Pay app has received substantial criticism for its confusing layout. Making payments is easy enough, but sorting through the cards in your digital wallet can be difficult. 
• Google Pay is not always accepted. Though most stores now support Google Pay purchases, some do not. You still need to carry around a secondary payment method, which for some people, removes the entire point of having a contactless payment app in the first place. 

What Is Samsung Pay?

Samsung Pay is a convenient one-tap contactless payment and digital wallet app available to Samsung phone owners. A simple swipe up from the lock screen opens your payment options, allowing you to pay instantly. 

Recently, Samsung Pay has overtaken Google pay as the second-largest mobile payment app (behind Apple Pay, the most popular app). 

Features of Samsung Pay:

• Availability in 29 countries. While this is fewer countries than Google Pay supports, the list is constantly growing. 
• Support for most major credit and debit cards. Samsung Pay supports most major payment platforms, including all major credit card companies. The full list is on their support website. Samsung Pay also offers support for PayPal payments. 

• Samsung Rewards. With Samsung Rewards, you can earn points for each purchase you make while using the app. These points can be redeemed to make purchases using the Samsung app (or on the Samsung website). 
• Mobile wallet for cards and passes. Store and use gift cards, membership cards, and loyalty cards with the app by scanning the card’s barcode. Samsung Pay also allows you to create a digital wallet, including creating a verified Vaccine Pass from your vaccination documents. 
• Compatible with Samsung smartwatches. Some Samsung Galaxy wearables support Samsung Pay, including the Gear S3, Galaxy Watch3, and Galaxy Watch Active2. 
• Supports both NFC and MST (Magnetic Secure Transmission). MST technology allows your Android phone to communicate with older magnetic stripe card readers that require you to swipe a card. However, support for MST is being removed as of the Galaxy S21. 

• Added security. Your Samsung Pay details are protected by Samsung Knox and tokenization. Like Google Pay, your card information isn’t sent to merchants. Further, Samsung Pay allows you to use Find My Mobile to remotely lock your account or remove the app from your mobile phone. The app also supports fingerprint and facial recognition authentication. 

Where Samsung Pay Needs Improvement

While Samsung Pay meets the major requirements of a contactless tap-as-you-go payment app, it has three significant drawbacks in functionality. 

• Limited compatible smartphones. Samsung Pay is only available on Samsung smartphones and does not work on other Android models. If you decide to buy a non-Samsung device, you’ll have to set up Google Pay (or another alternative) as Samsung Pay won’t be available. Despite this limitation, Samsung Pay has more active users than Google Pay. 

• An annoying number of ads and pop-ups. A common frustration for Samsung users is the gradual introduction of ads into the native Samsung apps, which holds true for Samsung Pay. Many users complain that intrusive ads even pop up during the payment process. 
• Removal of MST support. While more and more places are getting on board with NFC terminals, many still use MST. The last Samsung models to support MST payments were the Samsung Note 20 series. Unfortunately, this was the main reason many users decided to use Samsung over Google. 

Samsung Pay vs. Google Pay: Which is Better?

Samsung Pay and Google Pay are similar in terms of the service they provide and payment methods they support (including online payments). Still, Google Pay supports more devices and is available in more countries. 

The main reason to choose Samsung Pay is if your area still mainly uses MST terminals. In that case, you won’t run into the issue of being unable to pay with Google Pay. However, with NFC technology becoming more popular (and Samsung withdrawing support for this), it isn’t a deciding factor. 

Google Pay offers peer-to-peer payments in the US, which can be helpful in many situations and helps to cut down on the number of apps you need. This is possible with Samsung, but you need to sign-up for Samsung Pay Cash as well. 

Another major reason to choose either app is the other accessories you own. For example, if you have a Samsung smartwatch, you’re better off going with Samsung Pay. 

Which Should You Choose? 

Both Google Pay and Samsung Pay are great choices if you want to move into the world of all-in-one contactless payment and card wallet apps. 

Since the two apps are so similar, we recommend installing both (they’re both free to set up) and trying them out. This way, you’ll get a feel for each, and you can decide on the app which fits your preferences. 

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