The version of samsung pay you downloaded

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I'm also having the exact same issue, I spoke to both Samsung and Samsung pay, the advisor at Samsung said that due to the way the app works it will only work in the region within the device was purchased. This can be overridden if the phone is re-flashed and has the UK firmware installed on it, you may also notice your software updates are HK updates. This shouldn't impact any other features of the phone is my understanding so far. I believe they can reflash in Hong Kong if you go back out there which would then unlock these features and lose all your data so back up.

As far as i'm aware the snapdragon processor varient hasn't been rooted yet by independent developers so I've not seen anyone in the UK resolve this issue without Samsung support.

In terms of the level of extent you want to go to to solve this issue is where i'm at. Samsung pay doesn't actually support my bank yet and Google pay works very well in the UK as most of our shop terminals support standard contactless. Potentially in a year or two once the functionality has improved it might be more attractive. If you travel back out there again then speak to Samsung HK support and see if you can schedule it while you're out there, or mail it to them View solution in context.

The easiest way is to go to sammobile. Id recommend downloading phone info from the app store to tell you what version etc you have right now. I bought my s7 in UAE but moved back to the UK so i just flashed on the uk firmware and your samsung pay will change country automatically.

Downside is you gotta reformat the fone so do all the backups etc first. Whole install process took maybe 15 to 20 mins?.