I don't get ads w/ Samsung Pay. The app shows the card i "always use" so I'm not looking around for other stuff. no ads. Just finger print spot; touch & go...
I don't even know what Samsung music does/is... I use Spotify... no ads. I suppose if one uses a free music app, there'll always be some ads....?
I almost never use the Galaxy Store, so for me thats nbd.
To solve you weather ad problem, use the side edge screen. You will not see any ads there.