Google Pay and Apple Pay use NFC technology. This allows users to tap their phone on a contactless payment terminal to make a payment. Samsung Pay uses both NFC and MST technology. This allows it to be used at almost any payment terminal, including those that do not have contactless capabilities. Users add their credit or debit card information to the app and can make payments by selecting the app as the payment option or holding their device near a payment terminal and using biometric authentication to complete the transaction.