Well i can tell you one reason I am using Samsung Pay right now is the amount of offers they are throwing around to get people to use it. 50$ credit on Sprint & Tmobile, 50$ Best Buy Gift Card, they had a free wireless charger for awhile. Samsung is pushing hard to get people to use theirs over others, which is competition, and i'm fine with that. I will say though, an added benefit for people who don't know is that when you link your credit card to at least Samsung Pay, it creates a virtual credit card with a different card #, and uses tokenization. When looking at it on any receipt it will show the virtual CC# not your real one.