How to add a card to Xiaomi Redmi 10: NFC, Google Pay and MIUI Wallet

Xiaomi Redmi 10 is one of the most popular budget smartphones with support for contactless payments, but many users face difficulties when adding bank cards. Unlike the flagship models, there are nuances with NFC setting, the choice between Google Pay and built-in MIUI Wallet, and the compatibility of banks. In this article, we will discuss all the ways to add a card, from preparing a phone to solving typical errors such as “device is not supported” or “cannot connect to the server”.

Feature of Redmi 10 (The code name selene is that it NFC-The chip only works with certain versions of the firmware MIUI. For example, on global firmware (MIUI Global) contactless payments may be blocked for some regions, and in China (MIUI China, not at all. We tested all the current methods on firmware. MIUI 13/14 and prepared a checklist to check the compatibility of your device.

Important: If you upgraded your smartphone through informal firmware (like LineageOS or Pixel Experience), the NFC functionality may be compromised, in which case you will need to roll back on stock firmware - see the instructions at the end of the article.

1. Verification of NFC support and bank card compatibility

Before adding a card, make sure your Xiaomi Redmi 10 supports contactless payments.

1. Open Settings → Connections and Sharing → NFC.
2. Activate the NFC slider.
3. Check for Contactless Payments or MIUI Wallet.

If you don't have a clause, your firmware doesn't support payments.

• 📱 Update. MIUI Up to the latest version through Settings → The phone. → Updating the system.
• 🌍 Change the region to supported (e.g. Russia, India, EU) in Settings → Additionally. → Region.
• 🔧 Install a patch for NFC (requires an unlocked loader).

Also check the compatibility of your credit card:

⚠️ Note: Maps of the World are not supported in Google Pay since March 2022. MIUI Wallet (if the bank is integrated with Xiaomi).

2. Google Pay setup on Xiaomi Redmi 10

Google Pay is a universal contactless payment solution, but Redmi 10 has a special setup.

1. Install the Google Pay app from Google Play.
2. Open the app and log in to your Google account (required to be one that is linked to your phone!).
3. Click Add Card → Payment Card.
4. Scan the map or enter the data manually.
5. Confirm the addition via SMS or push notification from the bank.

If the error "This device is not supported" appears during the add-on step, follow the following steps:

Delete the Google Play Services cache (Settings → Apps → Google Play Services → Memory → Clear the cache)

Update Google Pay and Google Play Services

Check that the phone has official firmware (not custom) installed

Reset network settings (Settings) → SIM-maps and mobile networks → Resetting network settings)

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After successfully adding a card, activate NFC and select Google Pay as the default payment app in the NFC → Contactless Payments settings.

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If the bank requests confirmation via SMS, but the message does not arrive, temporarily disable ad blockers (for example, AdGuard) – they can block service SMS.

3.Adding a card to MIUI Wallet

MIUI Wallet is a built-in solution from Xiaomi that works even without Google Pay, but it supports a limited list of banks (mostly Russian and Chinese).

1. Open the Wallet app on the home screen or in the app menu.
2. Click Add map → Bank card.
3. Choose your bank from the list (if not, MIUI Wallet does not support your card).
4. Enter the card details and confirm via SMS or banking application.

Features of MIUI Wallet on Redmi 10:

• 💳 Supports maps (unlike Google Pay).
• 🔒 Requires a link to your Mi Account.
• 📶 It only works with official firmware. MIUI Global/EEA.
• 🚫 Does not support foreign bank cards (e.g. Revolut, Wise).

⚠️ Note: If, after adding the card to the MIUI Wallet payments do not pass, check if the option to Allow payments when the screen is off is enabled in the settings NFC. Without it, the terminal will not be able to read data from the locked phone.

4. Solving common mistakes

When adding a map to Xiaomi Redmi 10, users often face the following problems:

If none of the solutions worked, check if your phone is OEM locked (relevant for devices with unlocked bootloader).

1. Go to Settings → About Phone → MIUI version.
2. Click 7 times on the MIUI version to activate the developer mode.
3. Back to Settings → Additionally. → For developers.
4. Check the OEM Unlock status – if it’s turned off, turn it on.

5. Alternative methods of contactless payments

If neither Google Pay nor MIUI Wallet works, consider alternatives:

• 📱 Banking applications: Sberbank Online (supports payments through the NFC without Google Pay. Tinkoff (built-in payment module) VTB Online (requires activation in card settings).
• 💼 Wallets from other manufacturers: Samsung Pay (works for Xiaomi via unofficial ones) APK). Apple Pay (only if you link the card to another Apple device).
• 🔄 Physical solutions: NFC-Stickers (e.g. Xiaomi Mi Band) NFC or PayRing. Dynamic cards CVV (Revolut Disposable Cards, for example).

Important: When using banking applications for NFC-Payments on Xiaomi Redmi 10 must be manually selected as a device for payments in the application settings. For example, in Sberbank Online this is done in the section "Contactless payments" → Devices".

6. Optimizing NFC for stable payments

To make contactless payments work smoothly, follow these guidelines:

1. Turn off energy saving for NFC: Go to Settings → Battery and Performance → Battery Consumption Management. Find NFC in the list and select No Limits.
2. Update the firmware of the NFC module: Install the latest version of MIUI. Check for updates for Google Play Services and Google Pay.
3. Configure quick access to payments: Add the Google Pay or MIUI Wallet widget to the home screen. Activate the Payment option when the screen is locked in the NFC settings.

If you don’t make the first payment, try:

• 📶 Reboot your phone before paying.
• 🔋 Make sure the battery is above 10% (at low charge) NFC may be off).
• 📵 Turn off the "In the plane" mode (it blocks) NFC).

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On Xiaomi Redmi 10, NFC payments consume a minimum battery charge (about 1-2% per transaction), but for stable operation of the module, it is recommended to keep the charge above 20%.

7. NFC recovery after resetting or firmware

If you reset your phone to factory settings or reflash it, the NFC may stop working.

1. For official firmware: Update MIUI Up to the latest version through Settings → The phone. → Update system. Reset network settings (Settings) → SIM-maps and mobile networks → Resetting network settings).
2. For custom firmware: Install the NFC Fix for Redmi 10 patch through Magisk. Check that the firmware includes support for HCE (Host Card Emulation).

If the NFC still doesn’t work, do a full reset via Fastboot:

fastboot erase modemst1


fastboot erase modemst2




fastboot flash modem NON-HLOS.bin




fastboot reboot

Where NON-HLOS.bin is the firmware file of the NFC module (you can download from Xiaomi Firmware Updater).

⚠️ Attention: Incorrect module firmware NFC This can lead to a complete loss of contactless payment functionality. If you are not sure about your actions, contact the service center.

FAQ: Frequent questions about adding maps to Xiaomi Redmi 10