Apple Pay v Samsung Pay v Google Pay: Smartwatch payments fight it out

How do the different services compare?

Mobile payments are no longer the future - they're now - but the question, of course, is which is the best way to pay?

Which service you use will depend on what smartwatch you're rocking, which in turn will be partly influenced by your smartphone of choice. The good news is that there's a bit more parity these days, but there are certainly some differences you should be aware of.

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We've put the big three head to head. It's Samsung Pay, Apple Pay and Google Pay (formerly Android Pay) in a big slinging match, but instead of fists being thrown it's dollar bills. Who is the money master when it comes to wearable payments?

Compatibility with phones and banks

Apple Pay v Samsung Pay v Android Pay: Smartwatch payments fight it out

Let's start with the basics: who supports what? Well, despite dropping at different periods throughout the UK and US, all three platforms are now available in both territories.

As for smartphone compatibility, Apple Pay will only work on the Apple Watch, which also only works with the iPhone (maybe it's time that changed). Simple as that.

Google Pay has more scope, but right now it's quite limited. For wearables, Google Pay is only supported by the small pool of Android Wear 2.0 devices. This is set to grow rapidly with the influx of Wear 2.0 watches coming this year, but the second magic ingredient is NFC, which not every smartwatch will include.

Right now, the LG Watch Sport, Huawei Watch 2 and Tag Heuer Connected Modular 45 tick both boxes, but that's it (sorry, Watch Style fans). With the fresh software now also rolling out to the LG Watch Urbane LTE, too, this is an option to consider.

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Believe it or not, Google Pay also works with iPhones. Wear 2.0 is more iOS-friendly as we've discovered, but support for Google Pay is a bit of a surprise - not that we're complaining.

As for Samsung Pay, this works on the Gear S3 for users with a Samsung or Android phone, but not for iPhone folks. Back in December, Samsung tried to push a Samsung Pay Mini app to the App Store, potentially opening up compatibility for Samsung Pay with the iPhone, but Apple rejected it, and there's no word on whether things may change in the future. Samsung Pay also works with the Gear S2, but it's still only compatible with NFC, not magnetic strip transactions (MST) like the more recent model.

Speaking of banks, the good thing about comparing the services in 2017 is that the big three have had some time to rally support. There's a slight bit of variation, but all three have a pretty robust lineup of banks.

You can see a full list of banks supporting Apple Pay in the US here and UK here. For Google Pay they can be found for the US here and for the UK here. For Samsung in the US, head here, and UK folks portal through here.

Should Google and Samsung Pay support come to iOS, they would both win in terms of compatibility. For now, it feels like Apple and Samsung are the two frontrunners.

Initial setup

Apple Pay v Samsung Pay v Android Pay: Smartwatch payments fight it out

In all three cases, you'll have to verify your card with your bank before you can start spending. The process is a tiny bit different across the board, but none of them should take too long, and in all cases you'll need to do the setup on your smartphone.

We have a full guide to setting up Google Pay on a smartwatch, so we won't dive into it too much here, but setting up on Google Wear requires going through the standalone procedure on your phone, even if you already have a card on your account for use with your smartphone. You'll also need to setup a lock screen, be it a pin number or swipe pattern, to use Google Pay. The good news is that, once unlocked, it will only lock again if you take the watch off.

Read this: Samsung has an interesting new idea for wearable payments

Setting up Apple Pay on the Apple Watch isn't very different. You'll also need a passcode of some description, and it uses a similar security mechanism of re-locking Pay if it loses contact with your wrist.

As mentioned, Samsung Pay can also work with Android smartphones, and you pair the two in the Gear app. From there you'll follow a similar process of entering and verifying your bank details. One niggle with Samsung - you can only use a pin number, no patterns, on the Gear S3, and that's particularly fiddly on the small screen. It's the same for the Apple Watch, but on the Gear S3 the buttons are smaller.

Putting them to use

Apple Pay v Samsung Pay v Android Pay: Smartwatch payments fight it out

For Google Pay, assuming you have the compatible watch, you can either assign a side button to Pay or you can launch it from a complication. When you tap it, it will bring up Pay, and if you have more than one card on your account you'll need to select the one you want to use.

Otherwise, you just hold your wrist to the terminal, make sure the top edge of the watch is properly aligned with the NFC point, and wait for confirmation. It's straightforward in theory, though sometimes aligning the two perfectly can be tricky in practice.

With Apple Pay, it's a case of double tapping the side button and then holding the Watch up to the reader. Pretty similar. Interestingly for those in the UK, the Cupertino giant has also recently announced that over half of terminals will accept payments above £30.

It's here where Samsung Pay has an edge though, as it's the only one of the three to support MST (magnetic strip transactions), as well as NFC. This means it will work at almost all terminals with a magnetic strip reader, although the process means tapping your watch against that bit of the terminal instead. This is also a tad fiddly, but worth it for the added support.

For us, Samsung wins the battle of usage on smartwatches purely down to having both NFC and MST support, while the other two only support NFC. The fact it also works with Android phones makes it even better, and iOS support would be even more fantastic.

Of course, there are plenty of other parts of the experience to think about beyond mobile payments, and using an Android Wear or Samsung Gear watch with iOS is going to compromise you in other places. Nobody wins the battle by a huge margin, but for our money, Samsung Pay is just ever-so-slightly in the lead right now.


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4 comments

  • Thejosh·

    Samsung pay's MST puts it way above any other pay service. There's no question

  • GetWellable·

    I still remember when Jawbone was one of the first to integrate payments.


    http://blog.wellable.co/2015/07/13/jawbone-up4-int...

    Where did that get them?

  • kroneage·

    Nice that this writer actually knows something about all 3 of these mobile payments competitors. But things change fast and an updated comparison now with Apple Watch LTE version are needed. Not that.... this would change who's #1 in actual mobile payments, but at least we now have a competitor from Apple vs Samsung's still #1 Wearables and Mobile Payments Service. 

    I rarely bother to carry my phone with me every time I leave the house now with a Gear S3 Classic on AT&T eSim. Again I'm not promoting AT&T as a great or even Good Carrier. Because they aren't either!   .....and really if you were given the choice by Samsung of getting a factory unlocked Gear S3 LTE version..... Samsung might actually sell a whole lot more of these Gear S3's than forcing us consumers to grin and bear it with carrier Bloatware like DirectTV App you'll probably never use!

    Sure you can request an Unlock of your CASH bought Gear S3 you only thought you owned. But truth is what good does it do to unlock it when you'll always have AT&T Bogus Bloatware OS installed on it? You can't simply order a different Sim card for it. This is now another thing Apple fans have to consider in buying a Watch w/LTE as well. Samsung and Apple have both let Greedy Corporate Carriers catch them in a snare just to allow their wearables to connect via stand alone mode.

    When in all reality..... it's LTE..... Stupid!  Meaning unlike GSM and CDMA 3G, etc.... is now globally available across the board. You can take an LTE connected device (ie... P2P, IoT, Wearable) from any LTE Carrier to another. At least that's how it was supposed to work for eSim devices. But... hey?  The Rich Elitist Carriers couldn't stand having to face the future of having competitors so easily take over control of the hardware YOU PAID For but really don't ever really own!!!  ......this is where the Services Carriers.... Still... OWN YOU!!!  

    If eSim Standard gets finalized in it's present state you could be locked into only one carrier, where you end up paying for each and every IoT, P2P, Wearable Device you yes.... only supposedly own. If the carriers get their way.... don't expect wireless LTE connected wearables, etc to ever take off. They are already DOOMED to Carrier Bloatware, Control and nickel and diming you to death in your closed down Proprietary Rats Nest of Connectables!

    Now back to Wearable Payments.... the only good part of LTE Connected Wearables;  Non-LTE Gear S3 without your phone.... is only good for 3 Samsung Pay Transactions and worse part is you aren't ever able to fully connect to your phone via other Wifi Networks to your Gear S3. So why is Samsung, Google and Apple willing to allow others to control how you connect to your smartphone???  Sure wifi sync for messages and other notifications works. But you can't control your phone over Wifi from your Smart Wearable device! Why? GREED.... and the Control of YOU and your Paid For devices are the only reasons for this!  ....but aside from all the pitfalls and snaggle toothed moronic MegaCorp Control Schemes.... Samsung Gear S3 with Samsung Pay.... still WINS over the Competition with MST and NFC Payment Capability!  .............which you'll find out really fast once you've paid for Gas Fill Ups at every station to go to with a simple scan of your Gear S3 and DONE!!!  .....try that with the others? haha... in a World of Service Stations who can't just go out and spend $100,000 plus to change out all their pumps just to enable NFC and Chipped Cards. Let alone.... do it every few years or months!!!  

  • DeeVee·

    Google have now disabled Android Pay on the LG watches unless you live in the USA or the UK. Even if Android Pay is supported in the country (like Australia) and it worked when we bought the watches. Its absolutely typical of google to stop supporting a product when it gets a bit of momentum, I should have know they were going to dump Android Pay and never bought the LG watch.