Samsung Pay uses payment network tokenization to make mobile payments on Samsung devices.
There are two decryption options available for processing Samsung Pay transactions:
  • Merchant decryption
  • Barclays
     decryption
Both options are available for mobile transactions and Web transactions.
The merchant decryption option enables you to decrypt the encrypted payment data from Samsung to retrieve the payment network token, the expiry date, the cryptogram, and other payment data associated with the transaction. You then submit the authorization request with the Payment Network Tokenization data as described in Payment Network Tokenization.
The
Barclays
 decryption option enables you to simplify your payment processing by allowing
Barclays
 to decrypt the payment data for you during processing. To use this option:
  1. Log in to the
    Smartpay Fuse Portal
    .
  2. Go to
    Account Management > Digital Payment Solutions
     and enable
    Samsung Pay
    .
  3. Generate a public key.
  4. In the authorization request under the
    paymentInformation
     object, set the
    key
     field under the
    fluidData
     object to the formatted encrypted Samsung Pay blob. Retrieve the Samsung Pay blob from the returned Samsung Pay 3ds.data block.
    1. Retrieve the payment data from Samsung Pay in JSON Web Encryption (JWE) format.
    2. Encode it in Base64.
    3. Retrieve the corresponding Key ID (KID) with encryption and set the values as:
      	{
		"publicKeyHash": "kid",
		"version": "100",
		"data": "encoded data from step b above"
	}
    4. Encode the structure in Base64.
    5. Add the value to the
      key
       field under the
      fluidData
       object.
  5. Set the
    descriptor
     field under the
    fluidData
     object to
    RklEPUNPTU1PTi5TQU1TVU5HLklOQVBQLlBBWU1FTlQ=
    .
  6. Set the
    transactionType
     field under the
    tokenizedCard
     object to
    1
    .
  7. Set the
    commerceIndicator
     field under the
    processingInformation
     field to
    internet
     for Visa,
    spa
     for Mastercard, and
    aesk
     for American Express.
  8. Set the
    paymentSolution
     field under the
    processingInformation
     object to
    008
    .