Service used to be better when we used to get points in all purchases. Now points don't do anything for you any more. So it's not bad cause it's a convenient digital pay option but it's not better than Apple pay which is more widely used. No more MST sucks. Plus with the new watch you have to have a passcode just to unlock the watch with Samsung Pay as opposed to before where you just needed a passcode just for the app on the watch. It's just gotten worse since it's inception l, not better.