1. our phone is that canggih until it can replicate the magnetic strip of physical cards. hence our samsung pay can work on older terminals. people have been doing this since samsung s6, it's called Magnetic Secure Transmission.

2. if the seller don't know what is samsung pay or don't have pay wave, I'll just ask him to bring over the terminal. then type the amount needed to pay, select VISA (if asked). then i will tap my phone at the place where u swipe the card. it's a little slow, but be patient.

however and has failed to go thru at ONE merchant (coffea coffee sri petaling). so far i use samsung pay MST (NOT Paywave) at all other terminals without fail. mostly at bars, and some older/local hypermarkets .