The unlocking requirement also varies depending on country, but it looks like Malaysia isn’t a country that supports this feature. Now, Google does recommend that you “set up your phone so that it must be unlocked to complete a NFC transaction” for added security, but we’ve been unable to find the setting to do so. Anyone can just tap away with your phone. Since Google Pay automatically detects the contactless payment terminal, there’s no added layer of authentication. Which means regardless of if your phone is locked or unlocked, you will still have to authenticate (via PIN or biometrics) before being able to make a transaction. You see, both Apple and Samsung require an additional layer of authentication before being able to authorise a payment. Sadly, MST is no longer available on current-gen Samsung phones.But, that ease of use comes at a potential risk to security. Samsung Pay is free, and it is now available on budget Galaxy-branded phones. In a nutshell, users with MST didn't have to worry about what kind of payment terminal they came across at a place, and weren't forced to carry a physical card as a safety measure. Swipe-based payment systems are still far more common than tap-based NFC versions, especially in developing countries.Įven in developed countries, the older swipe-based payment machines are still widely used, especially outside of major cities. All you need to do is tap your phone against a card swipe machine or payment terminal, and you're good to go. Samsung enabled MST on its phones by embedding a magnetic coil at the back of its smartphones, which transmits the same data a magnetic stripe would, but without having to make contact. With an MST-enabled phone, you could use Samsung Pay to make payments at almost any standard payment terminal, not just those that support tap-to-pay.
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