Samsung pay is an app that's already on the phone. Just like with any other payment service u link a credit card or bank account to it. I signed up, linked a cc card, uploaded the receipt, and had my $200 within an hour.
yes, it's pricey. but u get what you pay for, and with Samsung that's actually A LOT. I'm still using my note 3 from several years ago. it's that good. but I will go for an upgrade shortly to get the NFC capability that will allow me to do contactless payments via Android Pay. it's cool technology.
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Thank you!