New problem surfaced today with this new (Nov 2020) S10. Almost every time I press the power button to turn on the screen, I do get the option to unlock the phone, but then Samsung Pay comes up immediately. I can't get to the Home Screen or to the Back option (upward swipe from bottom right of screen) or the Settings (upward swipe for bottom left of screen). I may have to turn the screen off and on again for 5, 6, 7 or more times befor Samsung Pay does not come up, and I can access the phone.
Solved! Go to Solution.
After many trials and errors, I found that by going to the Samsung Pay app and choosing "Reset" you can turn off Samsung Pay. What a relief!
Thanks - the solution I stumbled upon, "Reset" seems to have worked. I really didn't think it would, but Samsung Pay no longer prevents me from accessing the home screen.