Personal Finance

RBC Wallet App vs Samsung Pay

  • Last Updated:
  • Jul 15th, 2018 2:03 pm
[OP]
Jr. Member
Oct 29, 2017
115 posts
13 upvotes

RBC Wallet App vs Samsung Pay

Would anyone know what is the difference between the two and is there any benefit to using one over the other?

Thank you
7 replies
Sr. Member
Feb 17, 2017
688 posts
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Calgary
Samsung pay works almost anywhere, it can use both the tap feature and can also emulate the magnetic stripe of a card (you just need to hold the phone over the card swiper). (Note though that the magstripe emulation only works with credit cards). RBC Wallet only works where contactless is accepted.
Newbie
Jul 8, 2014
93 posts
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Toronto, ON
In addition to the magnetic strip, I find samsung pay more responsive and I can keep my other bank/loyalty cards in the same app as opposed to opening different apps if I want pull out other cards
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SiuMai wrote:
Jul 13th, 2018 11:26 pm
In addition to the magnetic strip, I find samsung pay more responsive and I can keep my other bank/loyalty cards in the same app as opposed to opening different apps if I want pull out other cards
+1

I use Google Pay, and store a mix of gift cards and loyalty cards in there, plus the payment cards.

RBC wallet app has a limited selection of loyalty cards and gift cards.

I keep Stocard as backup, but prefer Google Pay now for most cards. I don't have a Sammy so no access to Sammy Pay.
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[OP]
Jr. Member
Oct 29, 2017
115 posts
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titaniumtux wrote:
Jul 14th, 2018 4:08 pm
+1

I use Google Pay, and store a mix of gift cards and loyalty cards in there, plus the payment cards.

RBC wallet app has a limited selection of loyalty cards and gift cards.

I keep Stocard as backup, but prefer Google Pay now for most cards. I don't have a Sammy so no access to Sammy Pay.
I hadn't even thought about Google Pay, just one more addition to the list to consider.
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Aug 9, 2013
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titaniumtux wrote:
Jul 14th, 2018 4:08 pm
+1

I use Google Pay, and store a mix of gift cards and loyalty cards in there, plus the payment cards.

RBC wallet app has a limited selection of loyalty cards and gift cards.

I keep Stocard as backup, but prefer Google Pay now for most cards. I don't have a Sammy so no access to Sammy Pay.
Do you still have a $100-$200 limit on Google Pay?
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Troydabes wrote:
Jul 15th, 2018 9:11 am
Do you still have a $100-$200 limit on Google Pay?
The $100 limit is set by contactless POS tap in Canada. Don't think Google Pay sets its own limit.
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titaniumtux wrote:
Jul 15th, 2018 10:29 am
The $100 limit is set by contactless POS tap in Canada. Don't think Google Pay sets its own limit.
More up to date POS do support the Device verification method which enables limitless mobile payments. So far the only place I've reliably encountered it is Bed Bath & Beyond (and Apple Stores). https://support.apple.com/en-us/ht202527 Should explain CDCVM in more detail.

Samsung Pay works for any amount (at least with RBC) as it just uses the magstripe above 100$. Something I do find funny though is that Canadian POS only seem to enforce the limit on Canadian cards. If I tap a UK card (either the card or using Samsung Pay), it'll just ask for a signature on above 100$ transactions around 90% of time instead.

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