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Samsung owners can choose between Samsung Pay or Google Pay -- you can have both on your phone, but you will need to set one as the default and change that setting if you want to use the other.
For sheer compatibility across the widest range of terminals, Samsung Pay wins because of MST technology.
could soon make your wallet obsolete by allowing you to pay with just the tap of your phone or smartwatch.
But they've had a slow roll-out and not all options are made equal.
(This was previously found in the Google Pay Send app.) Like Apple Pay, you can keep a balance or withdraw to your bank account.
Paying friends through Google Pay is available in the US and coming soon to UK users.
Once you add your cards to the app, it generates a virtual account number and your real card number is never given to the merchant.
This means it works with pretty much all terminals, without the merchant having to update their point of sale systems.
Samsung requires an iris scan, fingerprint or PIN to confirm purchases.
But Google Pay only needs your phone to be unlocked with fingerprint, password, pattern or PIN before transactions can go through.
All three services also work when checking out in several apps.
Advantage: All three Apple Pay and Google Pay are the only two services that let you pay friends.