Samsung Pay Cash frequently asked questions

Samsung Pay Cash is a feature that allows users to create a digital debit card that is stored in Samsung Wallet. Users are able to easily add funds to this card either with an existing card within the app, or by transferring funds directly from a bank account. With Samsung Pay Cash, you can even make purchases online and in stores where Samsung Pay and Debit Mastercard are accepted.
Galaxy phone displaying the Samsung Wallet app while infront of merchant signs
Galaxy phone displaying the Samsung Wallet app while infront of merchant signs

Samsung Pay Cash frequently asked questions

Note
Messaging and data rates may apply when using this feature. Check with your mobile phone network or carrier for more information.

About Samsung Pay Cash

Am I eligible to use Samsung Pay Cash?

 

You must be a legal resident of the United States, be 18 years of age or older (or 19 if you reside in a jurisdiction where the age of majority is 19), have an eligible Samsung device capable of receiving text messages, and have enough money in the Samsung Pay Cash account to complete your transactions. Residents of Vermont are ineligible to open or register a Card Account.

What devices support the Samsung Pay Cash Account?

 

Please see the Compatibility tab within the Overview section to view Samsung Pay/Wallet eligible mobile phones.

What do I need to do to set up Samsung Pay Cash?

 

While setting up Samsung Wallet or adding payment cards within the Samsung Wallet app, tap Get Samsung Pay Cash to learn more and enroll.

What information do I need to provide when signing up for a Samsung Pay Cash Account?*

 

In order to enroll your Samsung Pay Cash Account, you will be asked to provide your first and last name as it appears on your state-issued driver’s license or identification card, your physical address, email address, year of birth, and mobile phone number.* The mobile number provided must be capable of receiving text messages and you must be at least 18 years of age.

How do I view Samsung Pay Cash?

 

Once enrolled, you can view Samsung Pay Cash from the Samsung Wallet app on your eligible device. Simply open the Samsung Wallet app, tap All, and then tap Payment cards. Tap Samsung Pay Cash to view the Card details.

Where can I find contact information for Customer Service?

 

Samsung Pay Cash Customer Service is here to help. You can reach us by:

 

Phone Number:
1-800-270-4169

 

Email Address:
[email protected]

 

Mailing Address:
Samsung Pay Cash
P.O. Box 2136
Austin, TX 78768-2136

 

*IMPORTANT INFORMATION FOR OPENING A CARD ACCOUNT: To help the federal government fight the funding of terrorism and money laundering activities, the USA PATRIOT Act requires us to obtain, verify, and record information that identifies each person who opens a Card Account. WHAT THIS MEANS FOR YOU: When you open a Card Account, we will ask for your name, address, date of birth, and your government ID number. We may also ask to see your driver’s license or other identifying information. Card activation and identity verification is required before you can use the Card Account. If your identity is partially verified, full use of the Card Account will be restricted, but you may be able to use the Card for in-store purchase transactions. Restrictions include: no ATM withdrawals, international transactions, account-to-account transfers and additional loads. Use of Card Account is also subject to fraud prevention restrictions at any time, with or without notice. Residents of Vermont are ineligible to open a Card Account.

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My account

If I successfully open my Samsung Pay Cash Account, how do I add it to Samsung Wallet?

 

Once you successfully open Samsung Pay Cash, it is automatically added to Samsung Wallet on your device.

Why is my Samsung Pay Cash Account labeled as “Lite”?

 

A Lite account is an account that lets you immediately try out Samsung Pay Cash to add funds, send funds through P2P, and make online and in store purchases after providing limited personal information. It is the first step in fully registering your Card Account for full access. The Lite label on Samsung Pay Cash indicates that your Card Account is not yet registered. While your account is labeled Lite, you will only be able to add or receive funds one time, send money via P2P, and spend money using Samsung Pay or your virtual account. Until you register your Card Account, you will be subject to the terms and conditions outlined for Unregistered Card Accounts within the Cardholder Agreement. Registering your account will unlock the ability to add or receive additional funds, access your bank transfer/direct deposit information, and request money from other Samsung Pay/Wallet users.

 

See How do I upgrade from a Lite to a Full Card Account? for additional information.

What does it mean to upgrade and why should I do it?

 

Upgrading your Samsung Pay Cash Account* means that you are registering your Card Account with more specific identification information. The federal government requires information to provide full access to certain financial products and services. By adding your birth date and Social Security number* to your registration, and successfully verifying your identity, you will have access to the Full Card Account and be able to take advantage of its full range of uses.

How do I upgrade from a Lite to a Full Card Account?*

 

You can begin the registration process from within your Samsung Wallet app to upgrade Samsung Pay Cash. On the Card details screen, tap More options (the three vertical dots) in the upper-right corner, and then tap Upgrade account. You will be able to verify your existing information, and update it if need be, as well as provide your Social Security number and date of birth*. In some cases, you may be prompted to upgrade your Card Account as a condition of trying to add more money to your Card Account, or trying to send, receive, or request money. Simply follow the prompts to upgrade your Card Account. Once upgraded, you will be subject to the terms and conditions outlined for a Registered Card Account* within the Cardholder Agreement.

What information will I be asked to provide to register my Card Account?*

 

To upgrade Samsung Pay Cash, we will need to verify your identity.* You will be requested to provide the following:

  • Legal first and last name as it appears on your state-issued driver’s license or identification card
  • Physical street address (and apartment number if applicable)
  • Zip code of your physical address
  • Social Security number
  • Date of Birth
  • Email address

 

For your convenience, we will prefill the form with the same information you provided when you opened your Card Account, but you are able to update any information that may have changed before attempting verification.

I attempted to register my Card Account, but my identity wasn’t successfully verified. What happens now?

 

Sometimes we are not able to automatically verify an individual’s identity.* You will receive an email with instructions on how to submit identifying documentation for manual review so that we may attempt to successfully verify your identity. If you have never received an email with additional instructions, please contact customer service by emailing [email protected] or by calling 1-800-270-4169.

What if I mistype or need to use a different mobile phone number than the one I originally entered?

 

If you need to either correct or use a different mobile phone number, you can do so by tapping Change Phone Number on the Verify Phone Number screen.

When I try to open a Samsung Pay Cash Account, I’m seeing an error under the phone number field of “This phone number is not eligible at this time.” What does that mean?

 

You will receive this message if the mobile phone number you are attempting to use is already associated with an open Samsung Pay Cash Account. You will either need to use a different mobile phone number or contact customer service by emailing [email protected] or calling 1-800-270-4169.

What is a Virtual Account?

 

A Virtual Account can be used for online or over-the-phone payments where Samsung Pay is not a payment option, and you are prompted to enter credit/debit card information. Simply provide the merchant with your Virtual Account number, expiration date, and security code at checkout to complete your purchase.

How do I access the Virtual Account for Samsung Pay Cash?

 

Locate Samsung Pay Cash within the Samsung Wallet app.  From the Card details page, tap View info next to Virtual Account Number to view details.

I need to update my address, email address, or mobile phone number associated with my Card Account. Can I update it without calling customer service?

 

To update your address, email address, or mobile phone number, from the Manage Account menu, tap Account Profile. If you wish to update the mobile phone number associated with your Card Account, you will need to verify a one-time code sent to that new number before the change will take effect.

Where can I go to find the routing number and account number for my Card Account?

 

If you have successfully registered your Card Account*, from the Card details screen, tap More options (the three vertical dots) on the upper-right side, and then tap Manage account. On the Manage account screen, tap Direct Deposit Info.

 

*IMPORTANT INFORMATION FOR OPENING A CARD ACCOUNT: To help the federal government fight the funding of terrorism and money laundering activities, the USA PATRIOT Act requires us to obtain, verify, and record information that identifies each person who opens a Card Account. WHAT THIS MEANS FOR YOU: When you open a Card Account, we will ask for your name, address, date of birth, and your government ID number. We may also ask to see your driver’s license or other identifying information. Card activation and identity verification is required before you can use the Card Account. If your identity is partially verified, full use of the Card Account will be restricted, but you may be able to use the Card for in-store purchase transactions. Restrictions include: no ATM withdrawals, international transactions, account-to-account transfers and additional loads. Use of Card Account is also subject to fraud prevention restrictions at any time, with or without notice. Residents of Vermont are ineligible to open a Card Account.

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Adding funds to Samsung Pay Cash

How do I add money to Samsung Pay Cash?

 

You can add money to Samsung Pay Cash by using one of the credit or debit cards you have already added to Samsung Wallet*, setting up your bank account for transfers, establishing direct deposit to your Samsung Pay Cash Account, or by receiving a P2P payment from another Samsung Pay Cash user.
*Fees and limits apply, see Cardholder Agreement for details.

How do I add money using a credit or debit card?

 

Once you have successfully added a credit or debit card to Samsung Wallet, you can move money from those cards into Samsung Pay Cash. To get started, open the Samsung Wallet app, then navigate to and open Samsung Pay Cash on your phone. Tap Add money and enter an amount (minimum is $10), then select a card to pull money from, and tap Next to review your transfer information. If everything looks correct, tap Add money and confirm your transfer request with a PIN, fingerprint, or iris scan. If your request is successfully completed, you will receive an email with the transfer details. Fees and limits apply, see Cardholder Agreement for details.

How do I add money using a bank account?

 

You can initiate a transfer of money from your bank account to your Samsung Pay Cash Account once you have a Registered Card Account.* To get started, navigate to and open the Samsung Wallet app on your phone. Locate your Samsung Pay Cash Account, tap Add money, and then tap Bank transfer.

 

You may initiate a money transfer from your bank to your Samsung Pay Cash Account using the routing number and account number provided in Samsung Pay. If your bank transfer is successfully completed, you will receive an email with the transfer details. Contact your bank regarding any applicable transfer fees.

How do I email bank information to myself?

 

Open the Samsung Wallet app on your phone and locate your Samsung Pay Cash Account. Tap Add money and then tap Bank transfer. Under Bank transfer, you can find your routing number and account number. You can request an email with this information if you want to keep it for your records by selecting the email bank information.

How do I add money using direct deposit?

 

You can set up your Samsung Pay Cash Account to receive all or part of your recurring sources of income – from weekly paychecks to monthly Social Security benefits, pensions, and tax refunds. Go to the Samsung Pay Cash Details tab, tap More options (the three vertical dots) in the upper right hand corner, then navigate to Manage Account, and then tap Direct Deposit Info to get your Samsung Pay Cash routing and account number.

 

Provide this information to your employer or benefits provider, indicating how much of your income you want to transfer each pay period. Make sure the name on file with your provider is exactly the same as the name on your Card Account. Once your request is submitted, it can take a few days for the deposits to begin showing up in your Card Account. Once that happens, you will be able to use your funds immediately.

 

*IMPORTANT INFORMATION FOR OPENING A CARD ACCOUNT: To help the federal government fight the funding of terrorism and money laundering activities, the USA PATRIOT Act requires us to obtain, verify, and record information that identifies each person who opens a Card Account. WHAT THIS MEANS FOR YOU: When you open a Card Account, we will ask for your name, address, date of birth, and your government ID number. We may also ask to see your driver’s license or other identifying information. Card activation and identity verification is required before you can use the Card Account. If your identity is partially verified, full use of the Card Account will be restricted, but you may be able to use the Card for in-store purchase transactions. Restrictions include: no ATM withdrawals, international transactions, account-to-account transfers and additional loads. Use of Card Account is also subject to fraud prevention restrictions at any time, with or without notice. Residents of Vermont are ineligible to open a Card Account.

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Sending and receiving funds

How do I send money to someone?

 

To send money, select Samsung Pay Cash within the Samsung Wallet app, and then tap Send. Next, either select one of your contacts or enter the name and phone number manually. Enter the amount and an optional message. Next, confirm the amount and recipient information, and then tap Send.

 

The recipient must have a Samsung Wallet eligible device with a Samsung Pay Cash Account. If the recipient does not have a Samsung Pay Cash Account, the recipient will need to sign up for a Samsung Pay Cash Account. The transaction will remain pending until the recipient signs up for Samsung Pay Cash. After 5 days, the transaction will expire. You can cancel a pending transaction at any time by tapping Cancel Transfer under the Transfers tab next to the transaction.

How do I request money from someone?

 

To request money, select Samsung Pay Cash within Samsung Wallet and tap Request. Next, either select one of your contacts or enter the name and phone number manually. Enter the amount and an optional message, then confirm the amount and recipient information, and then tap Request.

 

If the recipient of your request does not have a Samsung Pay Cash Account, they will need to sign up for a Samsung Pay Cash Account. The recipient can either complete the request by tapping Send, or deny the request by tapping Decline Request under the Transfers tab next to the pending request.

 

After 5 days, the transaction will expire if it is still pending. You can cancel a pending transaction at any time by tapping Cancel Request under the Reloads and Transfers tab next to the request.

How can I remind the recipient of a send money or request money transaction?

 

You can send one reminder per transaction to the recipient when sending or requesting money. Tap Send Reminder under the Transfers tab next to the pending transaction.

What are the limits for sending and receiving money?

 

The Lite and Full Card Accounts have different limits for the maximum number of transactions and maximum amounts by day, week, or month. For maximum flexibility with Samsung Pay Cash, upgrade your LITE account to a Full Card Account by selecting Upgrade Account from the menu.

 

Limits for each account type:

 

Lite accounts:

  • Limited to loading or receiving money one [1] time.
  • Daily: up to eight [8] transactions with a max total that is not to exceed $500.
  • Weekly: up to ten [10] transactions with a maximum total that is not to exceed $500.
  • Monthly: up to fifteen [15] transactions with a maximum total that is not to exceed $500.

 

Full accounts:

  • Able to load or receive funds multiple times.
  • Daily: up to eight [8] transactions with a max total that is not to exceed $1,500.
  • Weekly: up to ten [10] transactions with a maximum total that is not to exceed $2,500.
  • Monthly: up to forty [40] transactions with a maximum total that is not to exceed $3,500.

 

*IMPORTANT INFORMATION FOR OPENING A CARD ACCOUNT: To help the federal government fight the funding of terrorism and money laundering activities, the USA PATRIOT Act requires us to obtain, verify, and record information that identifies each person who opens a Card Account. WHAT THIS MEANS FOR YOU: When you open a Card Account, we will ask for your name, address, date of birth, and your government ID number. We may also ask to see your driver’s license or other identifying information. Card activation and identity verification is required before you can use the Card Account. If your identity is partially verified, full use of the Card Account will be restricted, but you may be able to use the Card for in-store purchase transactions. Restrictions include: no ATM withdrawals, international transactions, account-to-account transfers and additional loads. Use of Card Account is also subject to fraud prevention restrictions at any time, with or without notice. Residents of Vermont are ineligible to open a Card Account.

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Transaction information

Does Samsung Pay Cash require a PIN at the register?

 

Because every payment or purchase is authenticated by using your Samsung Wallet PIN, fingerprint, or iris scan, a PIN is not generally required when using Samsung Pay Cash. Some merchants may have terminals that require a PIN to complete a debit transaction. If required, enter 0000 to complete the transaction.

Note
ATM cash withdrawals are not currently supported.

Can I withdraw money from my Samsung Pay Cash Account?

 

You may withdraw cash from participating merchants or banks that have contactless point of sale (POS) devices accepting Samsung Pay. Look for Mastercard, Cirrus, or PULSE acceptance marks to check if the merchant or bank is a participant. If the merchant or POS device prompts for a PIN to complete the transaction, enter 0000. Withdrawal limits apply depending on the merchant and bank, see Cardholder Agreement for details.

 

If your Card Account balance is $1.00 or more, you may also request funds to be mailed via check at account closure. A Check Request Fee may apply, see Cardholder Agreement for details.

How do I view my Samsung Pay Cash transaction history?

 

There are two ways to view your transaction history.

  1. On the Card details screen, you will see All Activity and Transactions tabs.  All Activity provides a 30-day view of activity across all devices associated with Samsung Pay Cash. This includes P2P activity, money added from a debit or credit card, and bank transfers/direct deposit and purchase transactions. The Transactions tab provides a 30-day view of purchase transactions made with the device you are currently using.
  2. Additionally, you can tap More options (the three vertical dots) in the upper-right corner, and tap Manage account. From the Manage account screen, tap Transactions or Statements.

How can I cancel a payment to someone?

 

Most payments sent to other Samsung Pay Cash account holders will complete immediately and cannot be canceled. Payments sent to people who do not yet have a Samsung Pay Cash Account or a LITE Samsung Pay Cash Account that must be upgraded to receive the payment will be put in a Pending status. While the payment is in a Pending status, you can tap Cancel Transfer to cancel the payment. Upon cancellation, the amount of the payment will be added back to your available balance.

How can I dispute a transaction?

 

If you have an issue with a transaction appearing on your Card Account and need to file a dispute, tap Manage Account and then tap File Disputes. You may also file a dispute by calling 1-800-270-4169 or emailing us at [email protected]. You may only file a dispute on transactions that have settled on your Card Account and cannot be in a pending state. If you are unsure what type of dispute you should choose, tap “Not sure which type of dispute to file?” for a detailed explanation of each type.

 

However, it is important to upgrade your Card Account as soon as possible. Until you successfully upgrade, we are not required to research or resolve any errors regarding your Card Account and will only do so at our discretion.

 

*IMPORTANT INFORMATION FOR OPENING A CARD ACCOUNT: To help the federal government fight the funding of terrorism and money laundering activities, the USA PATRIOT Act requires us to obtain, verify, and record information that identifies each person who opens a Card Account. WHAT THIS MEANS FOR YOU: When you open a Card Account, we will ask for your name, address, date of birth, and your government ID number. We may also ask to see your driver’s license or other identifying information. Card activation and identity verification is required before you can use the Card Account. If your identity is partially verified, full use of the Card Account will be restricted, but you may be able to use the Card for in-store purchase transactions. Restrictions include: no ATM withdrawals, international transactions, account-to-account transfers and additional loads. Use of Card Account is also subject to fraud prevention restrictions at any time, with or without notice. Residents of Vermont are ineligible to open a Card Account.

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