Android Pay vs Apple Pay vs Samsung Pay

You've probably heard of paying for groceries and merchandise using your smartphone.  The three biggest players that enable you to do this are:  Android Pay, Apple Pay, and Samsung Pay ... one for each of the largest smartphone manufacturers.  The most widely accepted by stores and banks is Apple Pay, but all have their advantages and disadvantages.  At its most fundamental level, you register your credit card on your smartphone, then when you are at the cashier/register, just simply wave your smartphone over most regular credit card readers, authenticate using your thumbprint or a password, and voila, the transaction is complete, much faster than using your credit card chip or even swiping!  So you're probably wondering how secure it is?  It is more secure than using your credit card or its chip because the store never gets your credit card number, but instead receives a one-time unique token code provided by your credit card bank.  This code can never be used again and has no resemblence to your credit card number!  To learn more about using your smartphone to pay for merchandise, read here or for a side-by-side comparison of these services, read here.