Keep Your Card Information Safe by Paying at the Pump With a Mobile Wallet – Here’s How to Do It With Chase Pay & Samsung Pay

We devote thousands of hours of research to help you get Big Travel with Small Money. You support us by signing-up for credit cards through partner links which earn us a commission. Here’s our full Advertising Policy.

Keep Your Card Information Safe by Paying at the Pump With a Mobile Wallet – Here’s How to Do It With Chase Pay & Samsung Pay

Erin LizzoKeep Your Card Information Safe by Paying at the Pump With a Mobile Wallet – Here’s How to Do It With Chase Pay & Samsung PayMillion Mile Secrets Team

We devote thousands of hours of research to help you get Big Travel with Small Money. You support us by signing-up for credit cards through partner links which earn us a commission. Here’s our full Advertising Policy.

Here’s something that isn’t super fun to think about.  Security.  But it’s important to consider, especially around the holiday season.  Recently, my brother was telling me about a very sincere-sounding email he received from his boss, who was asking him to purchase $400 worth of iTunes gift cards and to send her the confirmation codes from each. Something about this request seemed unusual, so he took a closer look at the email address and noticed that although it included his boss’s name, the address domain was Gmail and not that of his organization.  That was a red flag.  Scammers are out there, and unfortunately, they kick into high gear in November and December, when more people are traveling and purchasing items online.

This story made me think about another common scam, called “skimming.”  Have you heard of this before?  It’s tricky, and like all scams, feels incredibly violating when it happens.

A skimmer is a small, illegal device that’s attached to the card reader, commonly on gas pumps or ATM machines.  Once you swipe your card on a payment portal that has a skimmer, your data is pulled and passed on to whoever is operating the skimmer.

They can then use your credit card as a form of payment or worse, if you’ve paid via debit card, they’ll have immediate access to all of your available funds.  Yikes.  That’s a big reason to always pay with a travel rewards credit card (well that and the miles & points you can earn).

There’s a Safer and Smarter Way to Pay for Gas at the Pump With Samsung Pay & Chase Pay

How to Protect Yourself From Skimming Scams With Chase Pay & Samsung Pay

Luckily, there’s a way to avoid skimmers at the gas station.  You could always go inside to pay at the register if you aren’t comfortable paying at the pump.  But that’s tedious, and let’s be honest, who wants to spend the extra time waiting in line?

There’s a better option – with both Chase Pay and Samsung Pay you’ll have the ability to use a digital wallet to buy gas.  By paying for gas with your mobile wallet, you don’t actually need to enter your card into the reader.

How to Use Samsung Pay at the Pump

I’ve found two helpful tutorials that show how you can use your mobile wallet to pay for gas.  Here’s the first one for Samsung Pay.  This is a particularly helpful tutorial because you’ll need a card without a magnetic strip (like a hotel card) to get this trick to work.

How to Use Chase Pay at the Pump

And here’s the tutorial for using Chase Pay at the pump.

Comparing These Two Mobile Wallet Options

Chase Pay Limitations:   It’s important to remember that Chase Pay only works with select gas stations.  They have a full list of gas stations that accept Chase Pay mobile wallet listed on their website.  It looks like Shell is the only participating gas station at the moment.  Reviews on this mobile wallet are mixed – understandably, when you’re on a long road trip, it’s tough to plan out refilling at a Shell station if there isn’t one immediately available when you need it.  On the other hand, if you’re commuting to work or need to fill up when you’re in town, it’s easier to plan in advance and make it to a Shell station.

Also, Chase Pay only works with with certain Chase cards including the Chase Sapphire Preferred® Card and Chase Sapphire Reserve®.

Chase Pay Benefits:   A huge benefit of Chase Pay is you can often take advantage of frequent promotions, like the one we wrote about a few months ago.  And Chase Pay is frequently one of the Chase Freedom card’s 5% cash back quarterly bonus categories.

Samsung Pay Limitations:   This feature is only available on Android devices.  For iPhones and Apple devices, you can use Chase Pay.

Samsung Pay Benefits:   Samsung Pay does have a rewards program and you can link Samsung Pay to the Exxon/Mobil Speedpass app and rewards program.  But one of it’s best features is it runs on technology that works with older credit card readers.  So you can use it almost everywhere that your credit card is accepted.  But, as you saw in the video, using it to pay at the pump it a bit more complicated.

Advanced security might be the biggest benefit of Samsung Pay.  Samsung recently explained the security walls around Samsung Pay and it sounds like it’s virtually impossible for skimmers to steal data with this payment method.  There is a digital token created and encrypted for every single transaction.  This is a single-use token that comes with a certificate and it passes through several different layers of security.  That means your card number is never actually sent to the card reader, so no one (including merchants and retailers) can see the data that’s on the card.

Had you ever heard of skimming before?  Or worse, have you actually been a victim?  Would you be more likely to buy gas via your digital wallet because of this?  Tell me what you think in the comments below!

To make sure you never miss valuable travels news and tips, sign up for our email newsletter!

If you liked this post, why don’t you join the 25,000+ readers who have signed-up to receive free blog posts via email (only 1 email per day!) or in an RSS reader …because then you’ll never miss another update!

Chase Sapphire Preferred® Card - Banner

Chase Sapphire Preferred® Card - Banner

  • Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards®
  • Chase Sapphire Preferred named "Best Credit Card for Flexible Travel Redemption" - Kiplinger's Personal Finance, June 2018
  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
  • No foreign transaction fees
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 50,000 points are worth $625 toward travel
  • No blackout dates or travel restrictions - as long as there's a seat on the flight, you can book it through Chase Ultimate Rewards

More Info

Editorial Note: We're the Million Mile Secrets team. And we're proud of our content, opinions and analysis, and of our reader's comments. These haven’t been reviewed, approved or endorsed by any of the airlines, hotels, or credit card issuers which we often write about. And that’s just how we like it! :)

Add comment

E-mail is already registered on the site. Please use the Login form or enter another.

You entered an incorrect username or password

Sorry that something went wrong, repeat again!

8comments

by Newest
by Best by Newest by Oldest

Samsung pay will only work at pumps with nfc terminals, or on phones with mst.

This won’t work if you live in New Jersey or Oregon. We don’t pump our own gas & I’m not giving the attendant my phone.

The information you list for what cards work with Chase Pay is incorrect. I use my Chase Freedom card at the local gas station every week with no issues. Its a Sheetz (popular gas station in the mid-atlantic states).

Or you can just use the mobile/Exxon speedpass app and pay through the app, and it uses Samsung pay so u don’t miss out on the rewards.

Exxon/Mobil app works great and also can use ApplePay for the iOS crowd. The app will also give you E/M rewards and/or a few cents off per gallon.

This generally works, until you are at a station where internet service is bad.

The only downside to using Samsung Pay that I’ve run into is having to argue with cashiers about how it works.

Hahaha. Sometimes I’ll get someone ignorant like that.