In the UK, where wallet payments are widespread, Samsung Pay is an option for customers who own Galaxy devices. As operated in Europe, Samsung Pay tokenizes a registered card and is used as an online method that calls up the stored card in a Samsung device's app or web checkout screen.

Samsung is the largest Android manufacturer in the UK smartphone market, so merchants seeking Galaxy user coverage typically consider it as a third option alongside Apple Pay and Google Pay. The benefit of adopting it on its own is limited.

When a consumer calls up Samsung Pay on a Galaxy device and approves the payment with biometric authentication such as a fingerprint, a token is transmitted instead of the actual card number and processed for approval. This authentication step satisfies the UK's UK-SCA (Strong Customer Authentication) requirements, and Hecto Financial collects the approved card funds in GBP.

Acceptance can be reviewed through Hecto Financial on the basis of a Korean corporate entity. The United Kingdom is one of the European markets where Samsung Pay operates, but the range of supported cards and channels varies with contract configuration, so it is recommended to consult on it together with Apple Pay and Google Pay.

• Business registration country

  Confirm whether a contract is available for merchants registered in Korea

• Sales channels

  The integration method and priority vary depending on your online sales channel mix, such as your own store, open marketplaces, or mobile apps

• Product categories

  Check in advance whether your products fall under categories restricted by Samsung Pay's merchant policy

• UK regulatory check

  As a non-EU member state, the UK applies FCA-supervised UK-SCA standards to card authentication, and Samsung Pay's biometric authentication is designed to satisfy these

The underlying card funds from Samsung Pay payments are collected by Hecto Financial in GBP, converted, and settled to Korean merchants in whichever of USD, KRW, or JPY was chosen at contract signing. Refunds are processed as cancellations of the original card transaction, and for sales to UK consumers, return handling — including the 14-day cancellation right — can be operated under the same framework as card payments.

• Financial Conduct Authority (FCA) / Bank of EnglandOfficial information on UK payment systems and regulatory rules. Where actual regulations differ from the content of this page, the official source takes precedence.