Samsung Pay

Samsung Pay

Samsung Pay

Easily add your Westminster Savings card to Samsung Pay

Samsung Pay comes preloaded on available phones, but you can always reinstall it through the play store, if needed.

Once it's installed,

  1. Open Samsung Pay.
  2. Tap Get started.
  3. Enter a new PIN for Samsung Pay, and then enter it again to confirm.
  4. Tap Menu in the top left corner, and then tap Cards.
  5. Tap Add card (blue +card icon), and then tap Add credit/debit card.
  6. Follow the on-screen instructions to register your card. When you add a card, you must agree to the card's terms and conditions.

To add your card to Favorites, do the following:

  1. Open Samsung Pay.
  2. Tap Menu, and then tap Cards.
  3. Select your desired payment card.
  4. Tap More Options to add or remove the card from Favorite Cards.
  5. You can also delete the card from Samsung Pay in this menu.

How do I make an in-store purchase with Samsung Pay?

  1. 1. Open the Samsung Pay app:
    • Swipe up from the home button on the lock screen or
    • Open the app from the app menu
  2. Select your Westminster Savings Member Card and authorize the payment using your PIN, fingerprint, or iris scan.
  3. Hold your phone over the Interac® Flash enabled payment terminal to complete your transaction.

Where can I pay with Samsung Pay?

Samsung Pay using your Westminster Savings Member Card works wherever Interac® Flash is accepted. Just look for the Interac® Flash logo or contactless symbol at the checkout. Some stores will also display the Samsung Pay logo. Note: Samsung Pay cannot be used for International purchases.

Frequently Asked Questions

Frequently Asked Questions

Am I eligible for Samsung Pay? Expand/Collapse

If you have a Westminster Savings Member Card and an eligible Samsung device, then you can get Samsung Pay! Samsung Pay is available to consumers and small businesses.

Which Samsung devices support Interac® Debit on Samsung Pay? Expand/Collapse

Samsung Pay is available on the latest Samsung devices including the following: Galaxy S10 & S10+, Galaxy S9 & S9+, Galaxy S8 & S8+, Galaxy S7 & S7 edge, Galaxy S6, S6 edge & S6 edge+, Galaxy Note9/Note8/Note5, and Galaxy A8/A5.

Can I use my Samsung Watch with Samsung Pay? Expand/Collapse

No, Interac® Debit on Samsung Pay is not yet supported on Samsung wearable devices.

Which account should I use for Samsung Pay? Expand/Collapse

Samsung Pay will use the same account (chequing or savings) that your Westminster Savings Member Card is connected to for making purchases using Interac® Debit.

How many devices can I add my card to? Expand/Collapse

There is no maximum number of devices to which you can add your Westminster Savings Member Card for Samsung Pay. However, you are responsible for verifying the validity of the Westminster Savings Member Card on each device, and for any charges made with the card to your account.

What information is being captured about me when I use Samsung Pay? Expand/Collapse

Samsung does not collect and store details on Samsung Pay financial transactions. To learn how Samsung protects your personal information, transaction data, and payment information when you use Samsung Pay, visit their website:

Your Westminster Savings account number is not stored on your phone. Your account number is replaced with a secure digital number known as a token. The token represents your Westminster Savings Member Card and is used to make secure purchases in-store.

How do I make my Westminster Savings debit card my default card? Expand/Collapse

You do not have the ability to set a default card in Samsung Pay. The last card used or viewed would be the card defaulted for payment. You can swipe left and right to scroll through your payment cards and select the one you want to use for payment.

Am I subject to a daily spending limit? Expand/Collapse

Yes. Westminster Savings will continue to monitor your total spending across payment services that access your account, including your Westminster Savings Member Card at retail locations via Samsung Pay. Samsung Pay purchases are included in your existing total limit.

Is there a cost to using Samsung Pay? Expand/Collapse

While there is no cost to use Samsung Pay as a service, however depending on the account package you have you may be subject to additional fees if you exceed your transaction limits. Using Samsung Pay is just like using your physical Member Card. Please contact us any time to discuss the right account package for you.

Will removing my Westminster Savings Member Card from Samsung Pay deactivate my plastic card? Expand/Collapse

No. Removing your Westminster Savings Member Card from Samsung Pay will not affect your plastic card.

My device was lost or was stolen, and I want to delete my card. What do I do? Expand/Collapse

If your device has been lost or stolen, call us immediately at 604-517-0100 to remove your card from Samsung Pay. You can also log in to Find My Mobile and select Erase Data to permanently remove all data, including any payment cards enabled in Samsung Pay.

Do I need network access to make a purchase? Expand/Collapse

No. Your Samsung device (powered and unlocked) has everything you need to complete a purchase at a retailer, even without network access. As with card purchases, you may not complete a purchase if the POS terminal is off-line or unavailable. You will need network access to receive transaction notifications from Samsung.

How do I do a Refund? Expand/Collapse

Refunds are initiated by the Merchant at the POS terminal following the same process as a purchase within Samsung Pay. The key difference is that you may be asked to provide to the cashier the last four digits of your Device Account Number instead of the last few digits of your card number. Successful refunds will be processed immediately to your account.

I'm having trouble with Samsung Pay. Who do I contact? Expand/Collapse

If you are having difficulties with Samsung Pay, please call us at 604-517-0100 and we will be happy to answer your questions. If you are having issues with your Samsung device, please contact Samsung directly at 1-844-726-7297.

Terms and Conditions

Mobile Wallet Terms of Use


These Terms of Use (“Terms”) govern your use of any eligible Credit Union debit card (“Card”) when you add or keep your Card in a mobile wallet (“Wallet”) for use on any eligible device (“Device”) that supports the use of the Wallet.

Please read these Terms carefully. If you add or activate your Card for use in a Wallet, it means that you accept and agree to these Terms. In these Terms, "you" and "your" means each Credit Union member who has been issued a Credit Union Card. "We", "us", and "our" mean Credit Union.

Other Documents and Agreements

These Terms are in addition to, and supplement, all other agreements between Credit Union and Member regarding Credit Union’s products and services. If there is any conflict or inconsistency between these Terms and the other agreements, then these Terms will take priority and govern with respect to the Wallet service.

You understand that your use of the Wallet will also be subject to agreements or terms of use with the relevant Wallet Provider (“Wallet Provider”) and other third parties (such as your wireless carrier and the websites and services of other third parties integrated with the Wallet).

Use of Cards in the Wallet

If you want to add a Card to a Wallet, you must follow the procedures adopted by the Wallet provider, any instructions provided by us, and any further procedures the Wallet provider or we adopt. You understand that we may not add a Card to a Wallet if we cannot verify the Card, if your account is not in good standing, if we suspect that there may be fraud associated with your Card or for any other reason we determine at our sole discretion. The Wallet allows you to make purchases using your Card wherever that Wallet is accepted. Wallets may not be accepted at all places where your Card is accepted.

Removal, Blocking, or Suspension of Card

We may not permit the addition of a Card to a Wallet, or we may remove, suspend or cancel your access to a Wallet at any time, if we cannot verify the Card, if we suspect that there may be fraud associated with the use of the Card, if your account is not in good standing, if applicable laws change, or for any other reason we determine at our sole discretion.

You may suspend, delete or reactivate a Card from a Wallet by following the Wallet Provider’s procedures for suspension, deletion or reactivation. In certain circumstances, your Card may be suspended or removed from the Wallet by the Wallet Provider.

Maximum Dollar Limit

Payment networks, merchants or we may establish transaction limits from time to time in their or our discretion. As a result, you may be unable to use a Wallet to complete a transaction that exceeds these limits.

Applicable Fees

We do not charge you any fees for adding a Card to the Wallet. Please consult your Card agreement for any applicable fees or other charges associated with your Card.

Your mobile service carrier or provider, Wallet Provider or other third parties may charge you service fees in connection with your use of your Device or the Wallet.


You must contact us immediately if your Card is lost or stolen, if your Device is lost or stolen, or if your Card account is compromised. If you get a new Device, you must delete all your Card and other personal information from your prior Device.

You are required to contact us immediately if there are errors or if you suspect fraud with your Card. We will resolve any potential error or fraudulent purchase in accordance with the applicable account agreement.

You agree to protect and keep confidential your Wallet Provider ID and passwords. If you share these credentials with others, they may be able to access a Wallet and make purchases with your Card or obtain your personal information.

Before using a Wallet, you should ensure that only your credentials are registered on your Device as these will then be considered authorized to make transactions related to your Card. If the credentials of another person are used to unlock your Device or make transactions, these transactions will be deemed to be authorized by you.

You are prohibited from using a Wallet on a Device that you know or have reason to believe has had its security or integrity compromised (e.g. where the Device has been "rooted" or had its security mechanisms bypassed).

The Wallet Provider is responsible for the security of information provided to them or stored in the Wallet

Liability for Loss

You are solely responsible for all account transactions made using your Card processed through a Wallet. You are responsible for the completeness and accuracy of the account information you enter into the Wallet. Only the individual member whose name is associated with the Card should add the Card to a Wallet.


You consent to the collection, use and disclosure of your personal information from time to time as provided in our privacy policy, which is available on our website. We may share with or receive from the Wallet Provider such information as may reasonably be necessary to determine your eligibility for, enrollment in and use of a Wallet or its features you may select (for example, your name and details such as Card number and expiry date).

The Wallet Provider may aggregate your information or make it anonymous for the purposes set out in its privacy policy or terms of use. To help protect you and us from error and criminal activities, we and The Wallet Provider may share information reasonably required for such purposes as fraud detection and prevention (for example, informing the Wallet Provider if you notify us of a lost or stolen Device).


You agree to receive communications from us, including emails to the email address or text message to the mobile number you have provided in connection with your Card account. These communications will relate to your use of your Card(s) in the Wallet. You agree to update your contact information when it changes by contacting us. You may also contact us if you wish to withdraw your consent to receive these communications but doing so may result in your inability to continue to use your Card(s) in the Wallet.

No Warranty and Exclusion of Liability

For the purpose of this Section, “Credit Union” means Credit Union and its agents, contractors, and service providers, and each of their respective subsidiaries. The provisions set out in this section shall survive termination of these Terms.

The Wallet service is provided by the Wallet Provider, and Credit Union is not responsible for its use or function. You acknowledge and agree that Credit Union makes no representations, warranties or conditions relating to the Wallet of any kind, and in particular, Credit Union does not warrant: (a) the operability or functionality of the Wallet or that the Wallet will be available to complete a transaction; (b) that any particular merchant will be a participating merchant at which payments with the Wallet are available; (c) that the Wallet will meet your requirements or that the operation of the Wallet will be uninterrupted or error-free; and (d) the availability or operability of the wireless networks of any Device.

Credit Union will have no liability whatever in relation to the Wallet, including without limitation in relation to the sale, distribution or use thereof, or the performance or non-performance of the Wallet, or any loss, injury or inconvenience you suffer. You may want to consider keeping your physical Card with you to use in the event you cannot make Wallet transactions.

Changes to the Terms of Use

We may change these Terms, or the agreements associated with the use of your Card with the Wallet. You agree to any changes to these Terms or agreement(s) associated with the use of your Card or account by your continued use of your Card with the Wallet. If you do not accept the revised Terms or agreement(s), you must delete your Card from the Wallet.

Contacting Us

You may contact us about anything concerning your Card or these Terms by calling the phone number found on our website.

If you have any questions or complaints about the Wallet, or disputes with the Wallet Provider, you should contact the Wallet provider.