One area in which Apple Pay and Google Pay stand out from Samsung are their support for online retailers in Malaysia. However, Samsung Pay does not list American Express as one of their network partners in Malaysia. These include CIMB Bank, Citibank, Hong Leong Bank, HSBC Bank, Maybank, Public Bank, RHB Bank and Standard Chartered Bank. Samsung Pay meanwhile supports the most number of banks with eight. They will also support Mastercard and Visa credit cards for the latter two, while Maybank gets support for Mastercard, Visa and American Express credit and debit cards.
On the other hand, Apple Pay supports three banks, Maybank, AmBank and Standard Chartered Bank. Depending on the bank it may not support both Visa and Mastercard credit and debit cards, so you’ll want to check out our full list of supported cards here. Those banks are CIMB Bank, Hong Leong Bank, Hong Leong Islamic Bank and Public Bank. Google Pay in Malaysia currently supports four banks. On the other hand, Samsung Pay and Apple Pay only store a portion of your card details in the specific device you’re adding the card to-they don’t store your card info on their servers. What we did find out, however, was the fact that the card information on Google Pay appears to be stored on their servers because after we’ve added our card to the Google Wallet, we’re also able to view the saved card in our Google account through a web browser. That said, all three payment apps have the benefit of not giving over your card information to the merchant when you pay which is a nice vote of confidence to security. Once the phone is unlocked though, it much like Apple Pay, has no transaction limit. That being said, using Google Pay without unlocking your phone does come with a transaction limit of RM250 (similar to Samsung Pay), but that’s not an insignificant sum for most. The unlocking requirement also varies depending on country, but it looks like Malaysia isn’t a country that supports this feature.
Now, Google does recommend that you “set up your phone so that it must be unlocked to complete a NFC transaction” for added security, but we’ve been unable to find the setting to do so. Anyone can just tap away with your phone. Since Google Pay automatically detects the contactless payment terminal, there’s no added layer of authentication. Which means regardless of if your phone is locked or unlocked, you will still have to authenticate (via PIN or biometrics) before being able to make a transaction. You see, both Apple and Samsung require an additional layer of authentication before being able to authorise a payment. But, that ease of use comes at a potential risk to security.
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