I had to delete my five star review because it's no longer true. Samsung pay was far superior with the MST technology. In the past it had saved me multiple times when I forgot my wallet being able to pay on machines that do have NFC. Well I got my new s22 ultra. Found myself low on gas and had forgot my wallet, well I was stranded because I could pay because the MST was no longer on my phone. That's what made Samsung pay far superior over any of the other apps. Now I have no need for it.