How do I add? NFC-Xiaomi smartphone card: from a transport card to a bank payment

Technology NFC Xiaomi has long since ceased to be exotic, and today it is integrated even into the budget models of the brand. Transport (Troika, Strelka), bank (Mir, Visa, Mastercard) or corporate passes (MIUI, HyperOS, regional limitations and features of the chip NFC different-model.

In this article, we will discuss all the current ways to add NFC-Maps to Xiaomi smartphones in 2026, including bypassing typical errors (e.g., “device is not supported” or “cannot connect to the server”). You will learn how to set up Mi Pay for Chinese firmware, why Google Pay may not work on global versions, and how to manually add a card through the app. HCE Wallet or NFC Separately consider the nuances for new models on HyperOS (for example, Xiaomi 14 or Redmi Note 13 Pro).+).

What Xiaomi models support the addition NFC-map

Not all Xiaomi smartphones are equipped with a chip NFC, And among the supportive ones, not everyone allows virtual cards to be added:

• 📱 Series and model: NFC It is in the flagships (Xiaomi). 12/13/14, Mix), most Redmi Notes (starting with 8 Pro), POCO F/X and some Redmis (e.g. Redmis) 10 5G). For the full list, see the table below.
• 🌍 Regional firmware: On Chinese versions (CN ROM) Only Mi Pay (with restrictions for foreign banks) is operating (Global/EU/IN ROM) Google Pay supports, but can block your travel cards.
• 🔄 Version. MIUI/HyperOS: Nana MIUI 12-14 hyperos 1.0 The algorithms for adding cards are different, for example, in HyperOS, the "Security" section in the settings disappeared. NFC.

⚠️ Note: If your model is on the list but the map add feature is not on the menu, check the firmware version. 12T s MIUI 13.0.5 was a bug that caused the partition to disappear. NFC → Maps. Solved by upgrading to 13.0.8+.

Preparing the smartphone before adding NFC-map

Before adding a card, you need to follow several critical steps, skipping at least one of them can lead to errors such as failed to connect to the server or the Device is not supported.

Enable NFC in the settings

Update the firmware to the latest version

Install a card application (Google Pay, Mi Pay, transport)

Disable VPN and proxy

Check regional settings (country in profile) Google/Mi Account)-->

Let's take a closer look at each item:

1. Inclusion NFC: Go to Settings. → Connections and exchanges → NFC (on HyperOS: Settings → Compounds → NFC Activate the switch. If there's no option, your model doesn't support it. NFC.
2. Firmware Update: Go to Settings → The phone. → System Update: HyperOS models critical to upgrade to 1.0.3+ — In the past, there are bugs with Google Pay.
3. Regional settings: For Google Pay, check the country in Google Account (should match the card bank). CN ROM You will need a Chinese phone number for verification.

⚠️ Note: If you are using Xiaomi.eu or custom firmware, add feature NFC-The maps can be disabled due to modifications to the framework, in which case only flashing to the official version will help.

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Before adding a credit card to Google Pay, turn off two-factor authentication in the banking app for 10 minutes.Some banks (such as Tinkoff) block adding a card if enabled SMS-code.

Adding a credit card through Google Pay

For most users, Google Pay (now Google Wallet) is the most versatile way, but there are nuances to Xiaomi, especially if the smartphone is bought in China or sewn on the Internet. CN ROM.

Instructions for Global/EU ROM:

1. Download Google Wallet from the Play Market.
2. Open the application and click Add Card → Payment card.
3. Scan the map or enter the data manually. SMS-bank-code.
4. After adding, go to Settings → Security → Contactless payment devices and select Google Wallet as the default app.

Typical errors and decisions:

• 🚫 Device not certified: Check if Magisk is installed or unlocked on some models (e.g, POCO F4) This is blocking Google Pay.
• 🚫 Bank not supported: Mir cards may not be added to Google Pay on smartphones CN ROM. The solution is to change firmware to global.
• 🚫 Unable to connect: Turn off VPN Check the date/time on the phone (must match the actual time).

Addition of a transport card (Troika, Strelka, Posadnik)

Xiaomi's transport cards are more complicated than the bank cards.

• 🚇 On Global. ROM Only London Oyster and Hong Kong Octopus cards are officially supported.
• 🚇 For Troika (Moscow) or Strelka (St. Petersburg) manual adjustment is required through the NFC Tools or Metro Card.
• 🚇 On HyperOS disappeared section "Transport cards" in the settings NFC — Now they are added via Mi Pay (even on global firmware).

Instructions for Troika/Arrow:

1. Download the app NFC Tools.
2. Put the physical card on the back of the smartphone (where the chip is located) NFC).
3. V NFC Tools select Reading → Read the tag. Save the map dump.
4. Install Metro Card (APK) And import the dump. Now the map will emulate.

⚠️ Attention: Emulation of transport cards through NFC Tools can violate the rules of carriers. In Moscow and St. Petersburg, cards are blocked for this. Officially supported method is only through Mi Pay (requires a Chinese account and firmware).

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Xiaomi with HyperOS transport cards added via Mi Pay → Transportation → Add a map. To do this, you need to temporarily change the region of the Mi Account to “China” (in the profile settings).

Addendum NFC-cards via Mi Pay (for Chinese firmware)

Mi Pay is a proprietary solution from Xiaomi that works only on the CN ROM The main advantage of this is the support of Chinese banks (UnionPay, Alipay) and transport cards (Beijing Transport Card, Shanghai Public Transport Card).

Step-by-step:

1. Install Mi Pay (if it is not in the system).
2. Go to Settings. → Memory and maps → Mi Pay (on HyperOS: Settings) → purse).
3. Click Add Card and select Type: 💳 Bank card: you will need to link the Chinese phone number. 🚇 Transport map: only Chinese cities (Beijing, Shanghai, Guangzhou) supported).

A face scan or fingerprint may be required for verification.

How to get around the restrictions on global firmware:

• 🌐 Change your Mi Account region to China in your profile settings.
• 📱 Install Mi Pay through APK (version 5.0.0+).
• 🔄 Reboot your phone after changing the region.

⚠️ Note: On some models (e.g. Xiaomi) 13T) Google Pay stops working after the region changes to China, and you have to reset your network settings or refashion your service to get back to functionality.

Manual addition NFC-map HCE Wallet or NFC Tools

If standard methods don’t work (e.g., the bank doesn’t support Google Pay and Mi Pay isn’t available), you can use alternative methods:

Method 1: HCE Wallet (for bank cards)

HCE Wallet – an app that emulates a card via Host Card Emulation (does not require a physical chip) NFC It works on the phone, but it doesn’t work on all models).

1. Download. HCE Wallet.
2. Create a new map and enter data manually (number, expiration date, CVV).
3. In the settings NFC choose HCE Wallet as the default application for payments.

Method 2: NFC Tools (for transport cards and passes)

This method is suitable for copying physical cards (for example, an office or fitness club pass).

1. Install. NFC Tools and NFC Tasks.
2. Scan the original map and save the dump.
3. V NFC Tasks create the task "Emulate tag" and select the saved dump.
4. Activate the task – now the smartphone will behave like the original card.

⚠️ Note: Copy some types of cards (e.g. bank cards with a chip) EMV It may be illegal to use an encryption pass or pass, but check the rules of your bank or organization before using it.

Solving common errors when adding NFC-map

Even after setting it up correctly, users are faced with errors, and here are the most common ones and how to fix them:

If none of these methods helped, check:

• 🔍 Model compatibility: Xiaomi has a list of supported devices.
• 🔍 Firmware region: On CN ROM Google Pay may not work on Google Pay, but on Global Pay. ROM — Mi Pay.
• 🔍 Security Updates: Outdated Certificates NFC They can block the addition of maps. Update Google Play Services.

FAQ: Frequent questions on NFC-maps on Xiaomi