I just got my S8+ yesterday (finally upgraded from my old S5).
Is this Samsung Pay something I have to somehow disable even though I haven't set it up? (have no plans to use it)
If you don’t use it, then no need to disable it however, the security is HIGHER than for your physical card. Read up on it online. That is what convinced me to use Samsung Pay. Also I don’t like having to reach back for my wallet to use a physical credit card. Sometimes stuff falls out that way.
I didn’t take any chances...just disabled it.