Contactless payment on Xiaomi Mi 9T: full-length instruction NFC and payment systems

Xiaomi Mi 9T

Redmi K20

NFC

All ways to set up contactless payment

Mi 9T

Configuration NFC Xiaomi Mi 9T It has its own nuances: for example, in some firmwares, it is disabled by default. HCE-The mode (Host Card Emulation) required for virtual cards. In addition, not all banks in Russia and the CIS support adding cards to Google Pay or Mi Pay via this smartphone. We tested all the relevant methods and collected working solutions – including bypassing restrictions for unsupported banks.

If you just bought a Xiaomi Mi 9T or have long since postponed the adjustment NFC, This is a guide that will help you understand all the details:

• 🔍 How to check the operability of the module NFC on your device
• 💳 Step-by-step setting up Google Pay, Mi Pay and SberPay
• 🏦 List of banks whose cards work with Mi 9T
• ⚠️ Typical errors and ways to fix them (including "device not certified")

1.Verification NFC Xiaomi Mi 9T: Does the module work?

Before setting up contactless payment, make sure the module is NFC on your Mi 9T It's functional and on, unlike Xiaomi's flagship models, where it's powered. NFC activated by default, in budget devices it is sometimes turned off to save battery power.

To check the performance:

1. Open Settings → Connected Devices → NFC.
2. Activate the slider "NFC" (If it's gray, the module is off).
3. Below will be the item “Contactless payments” – choose your preferred service (Google Pay or Mi Pay).

If there is no item in the settings NFC, It could mean:

• 🔧 You have a global firmware without support NFC (For example, in some regions of Asia, Mi versions were released. 9T moduleless).
• 📱 Smartphone is not certified for contactless payments (solved by changing the region or firmware on the Internet). EEA).
• 🛠️ Hardware malfunction (check if the phone is responding to others) NFC-devices, such as tags or headphones).

For quick check, download the application NFC Tools from Google Play. Launch it and hold your phone to anyone. NFC-terminal (e.g. subway or store) If the module is running, the app will show the signal.

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If NFC Tools appearing error "NFC Not supported", try resetting the network settings: Settings → System system → Reset → Resetting Wi-Fi, mobile network and Bluetooth settings, sometimes helping to restore the module.

2.Selection of payment system: Google Pay vs Mi Pay vs SberPay

On Xiaomi Mi. 9T There are three main ways contactless payment is available, each with its own pros and cons:

Recommendation: If you have a Sberbank card, try SberPay first, which is the easiest option. For other banks, it is better to choose Google Pay or Mi Pay (depending on the firmware).

Mi Pay officially only works on firmware for the European region (EEA) If you have global firmware, you'll either have to change the region in your settings or use Google Pay.

3. Google Pay Step-by-step setup on Xiaomi Mi 9T

Google Pay is the most popular contactless payment service, but on Xiaomi Mi 9T It can be difficult to adjust due to certification issues. HCE. Follow the instructions:

Make sure that NFC is enabled in the settings

Update the Google Pay app to the latest version

Check if your bank supports adding cards to Google Pay

Shut down. VPN (It can block the check of the device)-->

Step 1: Install and launch Google Pay

1. Download Google Pay from Google Play Market (if not installed).
2. Open the app and log in to your Google account.
3. Click "Add Card" and select "Credit or Debit Card".

Step 2: Adding a map

• 📸 Scan the map with the camera or enter the data manually.
• 📋 Confirm the terms of use (pay attention to the bank’s fees for contactless payments).
• 🔐 Confirm the addition through SMS or push notification from the bank.

Step 3: Set up the default payment

After adding the map:

1. Go to Settings. → Connected devices → NFC → Contactless payments.
2. Select Google Pay as the default app.
3. In Google Pay itself, click on the card and activate the option “Pay from an unlocked device” (this will allow you not to enter the card). PIN for amounts up to 1000-3000 ₽, depending on the bank).

If you add a card and you get an error saying, "This device is not certified for contactless payments," try:

• 🔄 Restart the phone and try again.
• 🌍 Change the region in settings to Russia or Europe (Settings) → Additionally. → Region).
• 📱 Install Russian firmware (if you have a global version).

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If the bank does not support Google Pay, but supports Mi Pay (for example, Gazprombank), add a card through Mi Pay - this will bypass the certification restrictions.

4.Mi Pay setup: Google Pay alternative for Xiaomi

Mi Pay is Xiaomi’s proprietary payment service, which often runs more stable than Google Pay on the brand’s devices. EEA If you have a global version, change the region first:

Step 1: Change of region (if necessary)

1. Go to Settings. → Additionally. → Region.
2. Choose India or Russia (these regions support Mi Pay).
3. Reboot the phone.

Step 2: Installation of Mi Pay

• 📥 Download Mi Pay from the Mi App Store (if it’s not on Google Play).
• 🔓 Allow installation from unknown sources (Settings) → Annexes → Special access → Installation of unknown applications).
• 📲 Install and open the application.

Step 3: Adding a map

In Mi Pay:

1. Press "Add map."
2. Select a bank from the list (if your bank is not available, try Google Pay or SberPay).
3. Enter the card details manually (camera scanning doesn't always work).
4. Confirm the addition via SMS or banking application.

Step 4: Set up the default

After adding the map:

1. Go to Settings. → Connected devices → NFC → Contactless payments.
2. Choose Mi Pay as your primary application.
3. In Mi Pay settings, activate the “Fast Payment” option (allows you to pay without unlocking the screen).

Advantages of Mi Pay:

• ⚡ Faster Google Pay (less delays in payment).
• 🛡️ Better protected from fraud (using Xiaomi’s own encryption system).
• 💼 Supports corporate cards of some banks (for example, Alfa-Bank).

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If Mi Pay is not visible in the contactless payment list, update the Mi Pay Services app to Google Play. NFC.

5.SberPay: a simple way for owners of Sberbank cards

If you have a Sberbank card, SberPay is the easiest way to set up contactless payments, and unlike Google Pay and Mi Pay, you don't have to add a card to your wallet, because you make payments directly through the SberBank Online app.

Step 1: Installation and configuration of SberBank Online

• 📱 Download the latest version of the SberBank Online application.
• 🔑 Sign in to your account (if not already registered, do it through an ATM or bank office).
• 📋 Link your card to your account (if not tied).

Step 2: Activate SberPay

1. Open SberBank Online and go to the section "Payments".
2. Select "SberPay" (or "Contactless Payments" in the newer versions).
3. Follow the instructions on the screen (SMS confirmation is required).

Step 3. Set-up NFC

After activating SberPay:

1. Go to Settings. → Connected devices → NFC → Contactless payments.
2. Select SberBank Online as the default application.
3. In SberPay settings, enable the option to Pay without confirmation (for amounts up to 1000). ₽).

The benefits of SberPay:

• 🔄 No need to enter card data – everything is tied to the account of Sberbank.
• 🛡️ High security (using MirrorLink and Tokenization technologies).
• 📱 It works on non-certified devices (unlike Google Pay).

⚠️ Note: If after setting up SberPay, the terminal gives an error "Card is not supported", check whether the option "Contactless payments" is activated in the SberBank Online application itself (Settings section) → SberPay").

6. Solving typical errors in setting up NFC

Even after setting up contactless payments on Xiaomi Mi 9T So let's look at the most common problems and their solutions:

Additional advice:

• 🔋 If the phone is under 10%, some terminals may not accept payment.
• 📶 In the subway or transport sometimes helps to turn off mobile Internet before paying (NFC It works independently of the network, but background processes can interfere with the network).
• 🔄 If the payment has not passed, do not remove the phone from the terminal for 5-10 seconds - sometimes it takes time to process.

⚠️ Note: If you use custom firmware (like LineageOS or Pixel Experience), contactless payments may not work due to a lack of Google Mobile Services certification. MIUI.

7.Contactless Payments Security: How to Protect Your Money

NFC-Payments are convenient but require increased attention to security.Here are the key rules for Xiaomi Mi owners 9T:

1. Screen lock setting

• 🔐 Use it. PIN-code, pattern lock or fingerprint (but not Face Unlock – it can be fooled by a photo).
• 🔄 Change. PIN-code-once.

2. Limitation of the amount without confirmation

In the payment system settings (Google Pay, Mi Pay, SberPay) set a limit on payment without confirmation (usually up to 1000-3000). ₽). For the amounts above, input will be required PIN-code-approval SMS.

3. Tracking transactions

• 📊 Turn it on. SMS-Notification of payments in a mobile bank.
• 🔍 Regularly check the history of transactions in the bank application.

4. Protection against fraudsters

• 🚫 Never hand over a phone with an unlocked screen to an outsider.
• 🛡️ Turn it off. NFC in settings when you do not use payments (this will also save battery power).
• 📵 Do not use contactless payment in suspicious places (for example, at street terminals without security guards).

5. Actions in the theft of a phone

If the phone is stolen:

1. Block cards immediately via a mobile bank or support call.
2. Delete your device from your Google account (link).
3. If you have Mi Account enabled, lock your device through Find Device.

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NFC-Payments are protected by tokenization technology: the terminal receives a one-time token rather than a real card number!

FAQ: Frequent questions about contactless payment on Xiaomi Mi 9T