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Samsung Takes Aim at Apple Pay with Smarter NFC Design

Galaxy S26 May Finally Fix Samsung’s Tap-to-Pay Frustration

Upcoming NFC upgrade could bring Galaxy phones closer to Apple Pay’s seamless experience.

A Smarter NFC System in the Works

Samsung is reportedly planning a major NFC hardware upgrade for its upcoming Galaxy S26 series, aimed at making contactless payments more intuitive and reliable. If implemented, the change could significantly improve Samsung Wallet‘s performance, making it more competitive with Apple Pay.

What’s Changing With NFC?

  • The current NFC coil on Galaxy phones is centered near the camera, which often leads to awkward positioning during payments.
  • With the Galaxy S26, Samsung engineers are exploring the addition of a second NFC antenna at the top of the device.
  • This would result in a dual NFC system, enabling easier tap-to-pay actions from either the top or center of the phone.

“The design is set to maintain the existing NFC coil location and add a new NFC antenna,” said a source familiar with the project.

Why This Matters

  • Many users struggle with positioning their phone correctly at payment terminals, often having to twist their wrist to align the NFC chip.
  • Apple Pay, by contrast, works more seamlessly due to Apple’s optimized hardware layout.
  • Samsung’s redesign aims to close this usability gap, enhancing daily convenience for Samsung Wallet users.

The Apple Pay Challenge

  • Apple has secured multiple patents related to tap-to-pay, making it harder for competitors to replicate their ease of use.
  • Samsung has reportedly taken time to develop a workaround that avoids infringing on those patents while still boosting functionality.

“It took Samsung Electronics a considerable amount of time to technologically circumvent them,” according to an insider.

Still in the Design Phase

  • The Galaxy S26’s hardware layout is not yet finalized.
  • Although Samsung is leaning toward this NFC redesign, component orders have not been placed — meaning the plan could still change.
  • As always with early hardware rumors, expect revisions before mass production begins.

A Win for Samsung Wallet?

  • If launched, this upgrade could give Samsung Wallet a much-needed boost in the battle of mobile payments.
  • An industry source noted: “It could noticeably improve payment convenience… a change users experience in their daily lives.”

Samsung Wallet already offers a robust suite of features — from digital cards to transit passes. But this hardware tweak could make everyday tap-to-pay interactions feel faster and more natural, narrowing the user-experience gap with Apple.

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