Which Android app should I use for making contactless payments with a Samsung smartwatch?

Samsung Wallet/Pay (Watch) is a digital wallet application tailored for Samsung smartwatches, allowing users to conduct contactless payments and manage digital credentials seamlessly. For individuals seeking to minimize physical card usage, this app integrates payment cards, loyalty memberships, and event tickets into one accessible platform on the wrist. Specific features include NFC-based tap-to-pay functionality, which works at most retail terminals that accept contactless payments, and a PIN requirement for each transaction to enhance security. In real-world scenarios, such as at grocery stores or public transit gates, users can simply hold their watch near the reader after entering their PIN, streamlining checkout processes.

User feedback highlights the convenience once setup is complete, with reviews indicating that it feels faster and safer than carrying physical cards. However, the app does have limitations. It is primarily optimized for Samsung devices, like the Galaxy Watch6 Classic paired with a Galaxy S23+, meaning compatibility with non-Samsung smartphones or older watch models may be restricted. Some users note that initial card enrollment can be cumbersome, depending on bank support, and occasional syncing issues between the watch and phone have been reported. Despite these minor imperfections, Samsung Wallet/Pay (Watch) remains a reliable choice for Samsung ecosystem users, offering a practical solution for everyday digital transactions.