If you own a modern Android phone, there's a good chance you've used it to make a mobile payment at one point or another. Android Pay is your only real option to use if you own a phone from HTC, LG, Google, or OnePlus, but if you own any modern Samsung flagship, you have the choice between Android and Samsung Pay .

Samsung Pay has long had the advantage of supporting both NFC and MST transactions, and when you combine this with the ability to earn free money by simply spending as you normally would, you end up with a couple big reasons to take advantage of Samsung's service if you own hardware that's compatible with it.

When posed with the question of Android Pay versus Samsung Pay, this is what some of our forum users had to say.

With all that said, we'd now like to pass the question on to you – Do you use Android Pay or Samsung Pay?

Join the conversation in the forums!