Galaxy Watch Active MST is one hell of a good feature. You reaally don't need to take out your phone or card to make payments any more your watch is just enough. I recently purchased this galaxy watch active before that I was using gear S3. Whichever Samsung watch it is, I have always been a big fan of this technology. I mean look at this guys, there was a time when it was used to just check the time but now it has become so much more than that. I can take calls, recieve and send messages in audio, text or even emojis. I can make payments through it. It can monitor my heart rate, my bp, how much I am walking and do so many things. I literally got very impressed with this technology. Trust me this is the best part about being on an ecosystem.