I purchased an intn'l S20 & Samsung Pay won't accept credit card & membership cards for the country I'm in. Makes app absolutely useless for me. Make the app region free and not tied in to the country the phone is from phone. Get with the times Samsung this is ridiculous as well as the useless app this has become. Update: March 18th 2022 Can't use the app on my as it says it won't work in the country I'm in. I'm in Canada lol.