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Making everyday purchases is fast, more secure and convenient with Samsung Pay. Pay with your Galaxy smartphone anywhere you can tap, scan or swipe a payment card.

Set up is simple. Add your Envision Financial debit card to your Galaxy smartphone for an easy way to checkout, and feel free to leave the wallet at home.



An extra layer of security

Each transaction with Samsung Pay is authorized with a PIN, fingerprint, or iris* scan. Your card information is encrypted with a digital token so your actual card number or acount is never shared with retailers. And if your device is ever lost or stolen, you can remotely disable the app.



Adding a card to your elligible Samsung device

  • Start with your Samsung Pay app — Download the app from Google Play or Samsung Galaxy Store or check to see if it’s already installed on your phone.
  • Tap + to add a card and have your Envision Financial MemberCard debit card handy.
  • Just follow the simple onscreen instructions.​

Paying with Samsung Pay

  • Get started by selecting the app icon or by swiping up from the bottom of your screen.
  • Authenticate the card with your PIN, fingerprint or iris* scan.
  • Hold your phone over the payment terminal. That's it. You've just paid!


Use Samsung Pay anywhere you see either of these symbols:


Samsung Pay FAQs

Am I eligible for Samsung Pay?
If you have an Envision Financial debit card and an eligible Samsung device, then you can get Samsung Pay! Samsung Pay is available to consumers and small businesses.

Which Samsung devices support Interac® Debit on Samsung Pay?
Samsung Pay is available on the latest Samsung devices: Galaxy S20/S20+ & S20 Ultra, Galaxy S10e/S10 & S10+, S9 & S9+, Galaxy S8 & S8+, Galaxy S7 & S7 edge, Galaxy S6, S6 edge & S6 edge+, Galaxy Note10/Note10+/Note9/Note8/Note5, and Galaxy A50/A8/A5.

Are there reasons why my Samsung device would be excluded from Samsung Pay?
Samsung devices that have been jailbroken or otherwise tampered with are not eligible for use with Samsung Pay. The device’s operating system must also be kept up to date.

Will Samsung Pay work on any Android/Windows/Blackberry/iOS device?
Samsung Pay is currently only available on eligible Samsung devices.

Can I use my Samsung Watch with Samsung Pay?
No, Interac® Debit on Samsung Pay is not yet supported on Samsung wearable devices.

Can I use my Envision Financial Mastercard with Samsung Pay?
Envision Financial Mastercard credit cards currently do not support Samsung Pay.

Does my Envision Financial debit card need to be Flash enabled to use it on Samsung Pay?
No. You do not need a flash enabled Envision Financial debit card to use Samsung Pay.

How many cards can I add to the Samsung Wallet?
You can add up to 10 payment cards to Samsung Pay. There is no limit to the number of gift cards that can be added to Samsung Pay.

How do I set up Samsung Pay?
You must have a Samsung Phone.  Samsung Pay comes pre-installed on most recent Samsung phones. If you don't have the app, you can download it from the Google Play store. You’ll need to be signed in to your Samsung account to use Samsung Pay.

  1. Open Samsung Pay and register your Samsung Pay PIN
  2. Follow on screen instructions to add your Envision Financial debit card and then select your preferred method to verify the card.
  3. Select your desired security or authentication options. You’re all set to start using Samsung Pay!

Which account should I use for Samsung Pay?
If you are activating an Envision Financial debit card that you use today to make purchases using Interac® Debit, Samsung Pay will use the same account (chequing or savings). You may change the default account either on-line or by contacting us.

What else do I need to do to set myself up?
You are required to securely identify yourself to add your debit card to Samsung Pay. After adding your Envision Financial debit card to Samsung Pay, you will be presented with options to verify your identity by calling the Member Advice Centre or by entering a one-time passcode delivered to you via email or SMS message if you have an eligible email or cell phone number on file with us. These verification steps are designed to protect you against fraud. Once verification has been completed, you may use your Envision Financial debit card to make purchases with Samsung Pay.

How many devices can I add my card to?
There is no maximum number of devices to which you can add your Envision Financial debit card for Samsung Pay. However, you are responsible for verifying the validity of the Envision Financial debit card on each device, and for any charges made with the card to your account.

What are the Terms & Conditions of using my Envision Financial debit card in Samsung Pay?
Samsung Pay is governed in accordance with the Terms and Conditions that you accepted when adding your card to Samsung Pay.  

Is additional information being captured about me when I use Samsung Pay?
Samsung does not collect and store details on Samsung Pay financial transactions. To learn how Samsung protects your personal information, transaction data, and payment information when you use Samsung Pay, visit their website: 

How do I make an in-store purchase with Samsung Pay?
To make a payment with your Samsung smartphone:

  1. From the lock screen, swipe up from the home button or open the Samsung Pay app.
  2. Select your Envision Financial debit card and authorize the payment using your PIN, fingerprint, or iris scan*.
  3. Hold your phone over the payment terminal to complete your transaction.

How do I pay with a card that isn’t my default card?
Open Samsung Pay on your phone and touch Wallet, touch the CREDIT/DEBIT tab, and then select your Envision Financial debit card.

How do I make my Envision Financial debit card my default card?
You do not have the ability to set a default card in Samsung Pay. The last card used or viewed would be the card defaulted for payment. You can swipe left and right to scroll through your payment cards and select the one you want to use for payment.

Is there a maximum dollar amount for a purchase?
No, there is no maximum value for Samsung Pay transactions, since each purchase is verified within Samsung Pay using PIN, fingerprint or iris scan*.  Some retailers may impose a limit on Samsung Pay transactions.

Am I subject to a daily spending limit?
Yes. Envision Financial will continue to monitor your total spending across the payment services that access your account, including your Envision Financial debit card at retail locations via Samsung Pay. Samsung Pay purchases are included in your existing total limit.

Is there a cost to using Samsung Pay?
No. Samsung Pay is included as part of your account. Each Samsung Pay payment will count as an additional debit transaction, if you pay transaction fees for your account.  

How do I know when a purchase is complete?
Samsung Pay transactions will show a checkmark with a Payment Completed message when the transaction is processed.

Where can I pay with Samsung Pay?
Samsung Pay using your Envision Financial debit card works wherever Interac® Flash is accepted. Just look for the Interac® Flash logo or contactless symbol at the checkout. Some stores will also display the Samsung Pay logo. You cannot use Samsung Pay for International purchases. 

Will I have to sign a receipt or enter a PIN at the POS terminal when paying with Samsung Pay?
No. Samsung Pay purchases are authenticated using fingerprint, iris scan* or PIN code on your device.

How do I view recent Samsung Pay transactions?
To view your most recent Samsung Pay transactions, open Samsung Pay and select your Envision Financial debit card. The transaction panel will display your most recent transactions first. To view more transactions, swipe up from the bottom of the screen.

Will I receive a notification on my phone for a declined transaction?
Yes, you will receive notifications for both declined and approved transactions.

Why does the transaction history on my Samsung phone not include all Samsung Pay transactions?
Each device is assigned a device account number and shows only transactions completed with its device account number. The device account number is different from your physical card number. This security feature helps us to manage situations when a device is lost, stolen or upgraded. For a full transaction history, please review your account history in online or mobile banking or on your account statement.

How do I remove a card from Samsung Pay?
To remove a card from Samsung Pay on your Samsung phone:

  • Open the Samsung Pay app. Touch Wallet, and then touch CREDIT/DEBIT.
  • Select the card you want to remove, and then touch “…” (the three dots at the top of the screen) for More Options.
  • Touch Delete Card and then choose a reason for removing the card.
  • Touch DELETE and then authenticate using your PIN, fingerprint or iris scan*.

Will removing my Envision Financial debit card from Samsung Pay deactivate my physical card?
No. Removing your Envision Financial debit card from Samsung Pay will not affect your physical card.

My device was lost or was stolen, and I want to delete my card. What do I do?
If your device has been lost or stolen, call us immediately at 1-866-710-7111 to remove your card from Samsung Pay. You can also log in to Find My Mobile and select Erase Data to permanently remove all data, including any payment cards enabled in Samsung Pay.

Will the case on my phone interfere with making purchases?
Samsung Pay transactions use NFC contactless payment method to communicate with the POS terminal to complete the purchase. A very thick case or cover can block the signal between the phone and the payment terminal. If you are having trouble making payment with Samsung Pay, you may need to remove the phone’s case to complete a purchase.

What should I do if Samsung Pay is not working with the POS terminal?
Samsung Pay should work at all terminals that accept Interac® Flash. Depending on the location of the signal from the phone and the case that you are using, you may need to either remove your case or re-position your phone near the POS terminal. Because POS terminals may be slightly different, you may find that this experience varies from terminal to terminal. If you are having difficulties, ask the retailer if they accept Interac® Debit on Samsung Pay.

Do I need network access to make a purchase?
No. Your Samsung device (powered and unlocked) has everything you need to complete a purchase at a retailer, even without network access. As with card purchases, you may not complete a purchase if the POS terminal is off-line or unavailable. You will need network access to receive transaction notifications from Samsung. 

How do I do a Refund?
Refunds are initiated by the Merchant at the POS terminal following the same process as a purchase within Samsung Pay. The key difference is that you may be asked to provide to the cashier the last four digits of your Device Account Number instead of the last few digits of your card number. Successful refunds will be processed immediately to your account.I’m having trouble with Samsung Pay.

Who do I contact?
If you are having difficulties with Samsung Pay, please call us at 1-866-710-7111 and we will be happy to answer your questions. If you are having issues with your Samsung device, please contact Samsung directly at 1-844-SAM-PAYS (1-844-726-7297).

Upgrade the operating system on my device?
Samsung Pay should not be affected by updating the operating system

....Reset my device?
All payment information in Samsung Pay will be deleted. You will need to set up and add your payment card information into Samsung Pay again after your device has been reset

.…Change my SIM card?
Samsung Pay should not be affected when you change your SIM card

.…Change my lock screen password?
Samsung Pay should not be affected when you change your lock screen password

.…Lose my device?
If your device is lost or stolen, you can use Samsung’s Find My Mobile service to remotely lock or wipe your device. This will lock or wipe Samsung Pay as well as your registered cards. You can also contact your credit union immediately if you lose your mobile phone. We will de-activate your Envision Financial debit card within Samsung Pay

.…Lose my device, and then find it?
Suspended cards can be resumed, but deleted cards cannot. If your Envision Financial debit card has been deleted from Samsung Pay, you will be required to add it again

.…Delete my card and then want to reactivate it?
You can add any cards you previously deleted as normal

.…Sell or upgrade my device?
Before you sell your device, you must delete your card from Samsung Pay. You may optionally contact us to ensure that your card has been removed from Samsung Pay

.…Lend my device to someone?
We recommend you remove your card from Samsung Pay before lending your device. Avoid lending your phone to anyone with whom you do not have a trusted relationship

.…Get a new debit card?
If you get a new debit card, remove the previous card from Samsung Pay and add the new card

.…Change the accounts linked to my card (chequing or savings)?
Changing the accounts linked to your Envision Financial debit card will have no impact on Samsung Pay

.…Change my default account for Interac® Flash purchases?
If you change your default account for Interac® Flash purchases, it will also become your default account for Samsung Pay

.…Receive an error, “Card Not Added – Contact your issuer”, message while adding a card?
Your Envision Financial debit card is closed and therefore cannot be used.

What is NFC?
NFC stands for Near Field Communication, which is a contactless proximity technology – the same technology that powers Interac® Flash cards. It is known for short range, secure transmission, with a maximum distance of less than 5-10 cm. In practice, phones need to be held very near to device readers for a few seconds to complete a transaction.

How do I know if a terminal accepts NFC?
Just look for the Interac® Flash logo or the contactless symbol at checkout to know if a terminal is capable of NFC technology.

How does the technology work?
When you register a card with Samsung Pay, the card is assigned a device account number. The device account number is different from your physical card number and is unique to your device. Your device account number is used to make purchases with Samsung Pay.

Are Samsung Pay transactions secure?
Yes. Each Samsung Pay transaction is protected by, and requires, your authorization using PIN, fingerprint or iris scan*. Samsung Pay uses tokenization, a secure environment, and Samsung KNOX to secure your payment information. Card information is encrypted and securely sent to the appropriate card network. Upon determining their card validity, account information, and device integrity, Interac sends a token to the device. The token is stored in the Trusted Execution Environment on the device, leveraging Samsung KNOX’s Architecture. No debit card Information is stored on Samsung’s devices or servers.


These Terms of Use govern your use of the Samsung Pay service to make a payment with an eligible Credit Union debit card (“card”) on any Samsung device (“device”) that supports the use of Samsung Pay

Please read these Terms carefully. If you do not agree to these Terms, you may not use Samsung Pay. If you add, activate or use your card for use of Samsung Pay, it means that you accept and agree to these Terms. In these Terms, "you" and "your" means each Credit Union member who has been issued a Credit Union card. "We", "us", and "our" mean Credit Union.

Other Documents and Agreements

These Terms are in addition to, and supplement, all other agreements between Credit Union and Member regarding Credit Union’s products and services. If there is any conflict or inconsistency between these Terms and the other agreements, then these Terms will take priority and govern with respect to the Samsung Pay service.

You understand that your use of Samsung Pay will also be subject to agreements or terms of use with Samsung Electronics Canada Inc. (“Samsung”) and other third parties (such as your wireless carrier and the websites and services of other third parties integrated into Samsung Pay).

Use of Cards in Samsung Pay

If you want to add a card to Samsung Pay, you must follow the procedures adopted by Samsung, any instructions provided by us, and any further procedures Samsung or we adopt. You understand that we may not add a card to Samsung Pay if we cannot verify the card, if your account is not in good standing, if we suspect that there may be fraud associated with your card or for any other reason we determine at our sole discretion. Samsung Pay allows you to make purchases using your card wherever Samsung Pay is accepted. Samsung Pay may not be accepted at all places where your card is accepted.

Removal, Blocking, or Suspension of Card

We may not permit the addition of a card to Samsung Pay, or we may remove, suspend or cancel your access to Samsung Pay at any time, if we cannot verify the card, if we suspect that there may be fraud associated with the use of the card, if your account is not in good standing, if applicable laws change, or for any other reason we determine at our sole discretion.

You may suspend, delete or reactivate a card from Samsung Pay by following Samsung's procedures for suspension, deletion or reactivation. In certain circumstances, your card may be suspended or removed from Samsung Pay by Samsung.

Maximum Dollar Limit

Payment networks, merchants or we may establish transaction limits from time to time in their or our discretion. As a result, you may be unable to use Samsung Pay to complete a transaction that exceeds these limits.

Applicable Fees

We do not charge you any fees for adding a card to Samsung Pay. Please consult your card agreement for any applicable fees or other charges associated with your card.

Your mobile service carrier or provider, Samsung or other third parties may charge you service fees in connection with your use of your device or Samsung Pay.


You must contact us immediately if your card is lost or stolen, if your device is lost or stolen, or if your card account is compromised. If you get a new device, you must delete all your card and other personal information from your prior device.

You are required to contact us immediately if there are errors or if you suspect fraud with your card. We will resolve any potential error or fraudulent purchase in accordance with the applicable account agreement.

You agree to protect and keep confidential your Samsung User ID and Samsung passwords. If you share these credentials with others, they may be able to access Samsung Pay and make purchases with your card or obtain your personal information.

Before using Samsung Pay you should ensure that only your credentials are registered on your device as these will then be considered authorized to make transactions related to your card. If the credentials of another person are used to unlock your device or make transactions, these transactions will be deemed to be authorized by you.

You are prohibited from using Samsung Pay on a device that you know or have reason to believe has had its security or integrity compromised (e.g. where the device has been "rooted" or had its security mechanisms bypassed).

Samsung is responsible for the security of information provided to Samsung or stored in Samsung Pay.

Liability for Loss

You are solely responsible for all account transactions made using your card processed through Samsung Pay. You are responsible for the completeness and accuracy of the account information you enter into Samsung Pay. Only the individual member whose name is associated with the card should add the card to Samsung Pay.


You consent to the collection, use and disclosure of your personal information from time to time as provided in our privacy policy, which is available on our website. We may share with or receive from Samsung such information as may reasonably be necessary to determine your eligibility for, enrollment in and use of Samsung Pay and any Samsung Pay features you may select (for example, your name and details such as card number and expiry date).

Samsung may aggregate your information or make it anonymous for the purposes set out in its privacy policy or terms of use. To help protect you and us from error and criminal activities, we and Samsung may share information reasonably required for such purposes as fraud detection and prevention (for example, informing Samsung if you notify us of a lost or stolen device).


You agree to receive communications from us, including emails to the email address or text message to the mobile number you have provided in connection with your card account. These communications will relate to your use of your card(s) in Samsung Pay. You agree to update your contact information when it changes by contacting us. You may also contact us if you wish to withdraw your consent to receive these communications but doing so may result in your inability to continue to use your card(s) in Samsung Pay.

No Warranty and Exclusion of Liability

For the purpose of this Section, “Credit Union” means Credit Union and its agents, contractors, and service providers, and each of their respective subsidiaries. The provisions set out in this section shall survive termination of these Terms.

Samsung Pay service is provided by Samsung, and Credit Union is not responsible for its use or function. You acknowledge and agree that Credit Union makes no representations, warranties or conditions relating to Samsung Pay of any kind, and in particular, Credit Union does not warrant: (a) the operability or functionality of Samsung Pay or that Samsung Pay will be available to complete a transaction; (b) that any particular merchant will be a participating merchant at which Samsung Pay is available; (c) that Samsung Pay will meet your requirements or that the operation of Samsung Pay will be uninterrupted or error-free; and (d) the availability or operability of the wireless networks of any device.

Credit Union will have no liability whatever in relation to Samsung Pay, including without limitation in relation to the sale, distribution or use thereof, or the performance or non-performance of Samsung Pay, or any loss, injury or inconvenience you suffer. You may want to consider keeping your physical card with you to use in the event you cannot make Samsung Pay transactions.

Changes to the Terms of Use

We may change these Terms or the agreements associated with the use of your card with Samsung Pay. You agree to any changes to these Terms or agreement(s) associated with the use of your card or account by your continued use of your card with Samsung Pay. If you do not accept the revised Terms or agreement(s), you must delete your card from Samsung Pay.

Contacting Us

You may contact us about anything concerning your card or these Terms by calling the phone number found on our website.

If you have any questions or complaints about Samsung Pay, or disputes with Samsung, you should contact Samsung.


* Iris is supported on Galaxy S20/S20+ & S20 Ultra, Galaxy S10e/S10 & S10+, Galaxy S9 & S9+, Galaxy Note8, Galaxy S8 & S8+

Samsung Pay is a trademark of Samsung Electronics Canada Inc. All rights reserved. Samsung and Samsung Galaxy are registered trademarks or trademarks of Samsung Electronics Co., Ltd., used with permission. Screen images simulated.

Interac Flash® and Interac® Debit are trademarks of Interac Inc. Used under licence.

The Contactless Symbol is a trademark owned by and used with permission of EMVCo, LLC.


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Every time you use your debit card to make a purchase, BIGChange® will round it up to the nearest dollar and transfer the additional amount to your savings account.