On 3. 1st pic is MST, you cannot choose from phone
Tapon screen is NFC

On NFC is over RM250 it will prompt to key PIN, use same PIN as your linked card

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Lazy to use spay. Can use other alternative. Spay need alot effort convincing the cashier even today petronas will reject spay saying not supported. Certainly terminal very high fail rate. We help Samsung educate people.

Since bigpay isn't it easier just earn big point and convert then redeem.  What the point using spay?

Maybe you haven't use spay as much as me you wont understand. Even speedmart 99 certain outlet got failure rate. Certain outlet depends on the staff some tell you cannot use. Need call manager.

I never say spay.  I say Visa. When they see the card in phone screen they dont allow use.

They will ask you for your card. Certain terminal requires pin and card. I dont always go to the same shop. I always go generally like a credit card.

Just maybe u keep visiting same shop so very positive . Some of us here didnt start using spay this year. We been using it since it available in Malaysia. So welcome to Samsung pay like 2 years ago.

Try just walk in to any random shop as often as possible use like a credit card you will understand. I have created a list of feedback from first page maybe you could refer that. If those are the only shop you visit I guess success rate is very positive.

Let.me give you an experiment. Try pump.petrol at the following place shell , petronas and petron.  Then share your feedback here. Pay with Samsung pay. Btw bro  welcome to spay.

sometimes card not supported will get this error.