When I first used my samsung pay on my galaxy note 9, I didn't have any problems, but after I started using it more, it's harder for it to refister into the cash regtars, it keeps on saying, card is declined!
I am experiencing the same issue. I have 3 different cards on my phone (Samsung Galaxy S10)... it seems to be related to the amount... if it is a small amount no issue... if it is a larger amount, then it often shows "tranaction failed" and "incorrect pin", but I never even get offered the chance to enter the pin - the error immediately shows up. Also, my daily limit is way higher than the amount the transaction is failing for on the card. Very frustrating... I have the same credit card on Google Pay and have no resorted to using that - it works with no issue... so there is clearly an issue here related to samsung pay and/or the cash ecard terminals.