Samsung Pay Cash frequently asked questions

You must be a legal resident of the United States, be 18 years of age or older (or 19 if you reside in a jurisdiction where the age of majority is 19), have an eligible Samsung device capable of receiving text messages, and have enough money in the Samsung Pay Cash account to complete your transactions. Residents of Vermont are ineligible to open or register a Card Account.

Samsung Pay Cash Account is supported with following Samsung Pay eligible mobile phones. 

Please see Compatibility tab within the Overview section.

While setting up Samsung Pay or adding payment cards within the Samsung Pay app, tap Get Samsung Pay Cash to learn more and enroll.

In order to enroll your Samsung Pay Cash Account, you will be asked to provide your first and last name as it appears on your state-issued driver’s license or identification card, your physical address, email address, year of birth, and mobile phone number.* The mobile number provided must be capable of receiving text messages and you must be at least 18 years of age.

Once enrolled, you can view Samsung Pay Cash from the Samsung Pay app on your eligible device.  Simply open the Samsung Pay app, tap Menu, or the three horizontal lines in the upper-left corner, tap Cards from the home page or main menu. Tap Samsung Pay Cash to view the Card details.  

Samsung Pay Cash Customer Service is here to help. You can reach us several ways:

Phone Number:
1-800-270-4169

Email Address:
customerservice@samsungpaycash.com

Mailing Address:
Samsung Pay Cash
P.O. Box 2136
Austin, TX 78768-2136

Once you successfully open Samsung Pay Cash, it is automatically added to your Samsung Pay wallet on your device. When making purchases, if you do not see Samsung Pay Cash as a payment method, locate the Samsung Pay Cash in the card section of the Samsung Pay app. From the Card details page, tap More Options (three vertical dots) at the top right, then tap Add to Favorite Cards.

A Lite account is an account that lets you immediately try out Samsung Pay Cash to add funds, send funds through P2P, and make online and in store purchases after providing limited personal information. It is the first step in fully registering your Card Account for full access. The Lite label on Samsung Pay Cash indicates that your Card Account is not yet registered. While your account is labeled Lite, you will only be able to add or receive funds one time, send money via P2P, and spend money using Samsung Pay or your virtual account. Until you register your Card Account, you will be subject to the terms and conditions outlined for Unregistered Card Accounts within the Cardholder Agreement. Registering your account will unlock the ability to add or receive additional funds, access your bank transfer/direct deposit information, and request money from other Samsung Pay users.

See How do I upgrade from a Lite to a Full Card Account? for additional information.

Upgrading your Samsung Pay Cash Account* means that you are registering your Card Account with more specific identification information. The federal government requires information to provide full access to certain financial products and services. By adding your birth date and Social Security number* to your registration, and successfully verifying your identity, you will have access to the Full Card Account and be able to take advantage of its full range of uses.

You can begin the registration process from within your Samsung Pay app to upgrade Samsung Pay Cash. On the Card details screen tap More Options (three vertical dots) in the upper-right corner, and tap Upgrade account. You will be able to verify your existing information, and update it if need be, as well as provide your Social Security number and date of birth*. In some cases, you may be prompted to upgrade your Card Account as a condition of trying to add more money to your Card Account, or trying to send, receive or request money. Simply follow the prompts to upgrade your Card Account.  Once upgraded, you will be subject to the terms and conditions outlined for a Registered Card Account* within the Cardholder Agreement.

To upgrade Samsung Pay Cash, we will need to verify your identity*. You will be requested to provide the following:

For your convenience, we will prefill the form with the same information you provided when you opened your Card Account, but you are able to update any information that may have changed before attempting verification.

Sometimes we are not able to automatically verify an individual’s identity*. You will receive an email with instructions on how to submit identifying documentation for manual review so that we may attempt to successfully verify your identity. If you never received an email with additional instructions, please contact customer service by emailing customerservice@samsungpaycash.com or by calling 1-800-270-4169.

If you need to either correct or use a different mobile phone number, you can do so by tapping Change Phone Number on the Verify Phone Number screen.

You will receive this message if the mobile phone number you are attempting to use is already associated with an open Samsung Pay Cash Account. You will either need to use a different mobile phone number or contact customer service by emailing customerservice@samsungpaycash.com or calling 1-800-270-4169.

A Virtual Account can be used for online or over-the-phone payments where Samsung Pay is not a payment option, and you are prompted to enter credit/debit card information. Simply provide the merchant with your Virtual Account number, expiration date, and security code at checkout to complete your purchase.

Locate Samsung Pay Cash within the Samsung Pay app.  From the Card details page, tap View info next to Virtual Account Number to view details. 

To update your address, email address, or mobile phone number, from the Manage Account menu, tap Account Profile. If you wish to update the mobile phone number associated with your Card Account, you will need to verify a one-time code sent to that new number before the change will take effect.

If you have successfully registered your Card Account*, from the Card details screen, tap More Options (three vertical dots) on the upper-right side, and tap Manage account. On the Manage account screen, tap Direct Deposit Info.

You can add money to Samsung Pay Cash by using one of the credit or debit cards you have already added to Samsung Pay*, setting up your bank account for transfers, establishing direct deposit to your Samsung Pay Cash Account, or by receiving a P2P payment from another Samsung Pay Cash user.

*Fees and limits apply, see Cardholder Agreement for details.

Once you have successfully added a credit or debit card to Samsung Pay, you can move money from those cards into Samsung Pay Cash. To get started, open the Samsung Pay app, then navigate to and open Samsung Pay Cash on your phone.

Tap Add money and enter an amount (minimum is $10), then select a card to pull money from, and tap Next to review your transfer information. If everything looks correct, tap Add money and confirm your transfer request with PIN, fingerprint, or iris scan. If your request is successfully completed, you will receive an email with the transfer details. Fees and limits apply, see Cardholder Agreement for details. 

You can initiate a transfer of money from your bank account to your Samsung Pay Cash Account once you have a Registered Card Account*. To get started, navigate to and open the Samsung Pay app on your phone. Locate your Samsung Pay Cash Account, tap Add money and then tap Bank transfer.

You may initiate a money transfer from your bank to your Samsung Pay Cash Account using the routing number and account number provided in Samsung Pay. If your bank transfer is successfully completed, you will receive an email with the transfer details. Contact your bank regarding any applicable transfer fees.

Open the Samsung Pay app on your phone and locate your Samsung Pay Cash Account. Tap Add money and then tap Bank transfer. Under Bank transfer, you can find your routing number and account number. You can request an email with this information if you want to keep it for your records by tapping email bank information.   

You can set up your Samsung Pay Cash Account to receive all or part of your recurring sources of income – from weekly paychecks to monthly Social Security benefits, pensions, and tax refunds. Go to the Samsung Pay Cash Details tab, tap More Options (three vertical dots) in the upper right hand corner, navigate to Manage Account, and tap Direct Deposit Info to get your Samsung Pay Cash routing and account number.

Provide this information to your employer or benefits provider, indicating how much of your income you want to transfer each pay period.  Make sure the name on file with your provider is exactly the same as the name on your Card Account. Once your request is submitted, it can take a few days for the deposits to begin showing up in your Card Account. Once that happens you will be able to use your funds immediately.

To send money, select Samsung Pay Cash within the Samsung Pay app then tap Send. Next either select one of your contacts or enter the name and phone number manually. Enter the amount and an optional message. Next confirm the amount and recipient information, then tap Send.

The recipient must have a Samsung Pay eligible device with a Samsung Pay Cash Account. If the recipient does not have a Samsung Pay Cash Account, the recipient will need to sign up for a Samsung Pay Cash Account. The transaction will remain pending until the recipient signs up for Samsung Pay Cash. After 5 days, the transaction will expire. You can cancel a pending transaction at any time by tapping Cancel Transfer under the Transfers tab next to the transaction.

To request money, select Samsung Pay Cash within Samsung Pay and tap Request. Next either select one of your contacts or enter the name and phone number manually. Enter the amount and an optional message then confirm the amount and recipient information, then tap Request.

If the recipient of your request does not have a Samsung Pay Cash Account, they will need to sign up for a Samsung Pay Cash Account. The recipient can either complete the request by tapping Send, or deny the request by tapping Decline Request under the Transfers tab next to the pending request.

After 5 days, the transaction will expire if it is still pending. You can cancel a pending transaction at any time by tapping Cancel Request under the Reloads and Transfers tab next to the request.

You can send one reminder per transaction to the recipient when sending or requesting money. Tap Send Reminder under the Transfers tab next to the pending transaction.

The Lite and Full Card Accounts have different limits for the maximum number of transactions and maximum amounts by day, week, or month. For maximum flexibility with Samsung Pay Cash, upgrade your LITE account to a Full Card Account by selecting Upgrade Account from the menu.

Limits for each account type:

Because every payment or purchase is authenticated by using your Samsung Pay PIN, fingerprint or iris scan, a PIN is not generally required when using Samsung Pay Cash.  Some merchants may have terminals that require a PIN to complete a debit transaction.  If required, enter 0000 to complete the transaction.

You may withdraw cash from participating merchants or banks that have contactless point of sale (POS) devices accepting Samsung Pay. Look for a Mastercard, Cirrus, or PULSE acceptance marks to see if the merchant or bank is a participant. If the merchant or POS device prompts for a PIN to complete the transaction, enter 0000. Withdrawal limits apply depending on the merchant and bank, see Cardholder Agreement for details.

If your Card Account balance is $1.00 or more, you may also request funds to be mailed via check at account closure.  A Check Request Fee may apply, see Cardholder Agreement for details.

Note: ATM cash withdrawals are currently not supported.

There are two ways to view your transaction history.

Most payments sent to other Samsung Pay Cash account holders will complete immediately and cannot be canceled. Payments sent to people who do not yet have a Samsung Pay Cash Account or a LITE Samsung Pay Cash Account that needs to be upgraded to receive the payment, will be put in a Pending status. While the payment is in a Pending status, you can tap Cancel Transfer to cancel the payment. Upon cancellation, the amount of the payment will be added back to your available balance.

If you have an issue with a transaction appearing on your Card Account and need to file a dispute, tap Manage Account and then tap File Disputes. You may also file a dispute by calling 1-800-270-4169 or emailing us at disputedocuments@samsungpaycash.com. You may only file a dispute on transactions that have settled on your Card Account and cannot be in a pending state. If you are unsure what type of dispute you should chose, tap “Not sure which type of dispute to file?” for a detailed explanation of each type.

However, it is important to upgrade your Card Account as soon as possible. Until you successfully upgrade, we are not required to research or resolve any errors regarding your Card Account and will only do so at our discretion.