Contactless payment on Xiaomi Redmi 9C: full setup of NFC and payment systems

Why Contactless Payment on Redmi 9C Doesn't Work for Everyone

Smartphone Xiaomi Redmi 9C (model M2006C3LG) It's not officially chipped. NFC — This is a key point that users often miss, but there are ways to get around the restriction and use the phone to pay through the Internet. QR-In this article, we will discuss all the options available, including setting up Google Pay, Mi Pay and banking applications, and explain why the classic “tap-to-pay” on this device is impossible.

It is important to understand that if your Redmi 9C purchased in the regions where NFC It's not supported hardware (e.g., global version), you can't physically add a module, but that doesn't mean that you can't pay from your phone -- modern banks offer alternatives: virtual card generation, payments on your phone. QR or even the use of external NFC-And then there's this detailed guide that takes into account all the nuances of the model.

Hardware Compatibility Check: Is there NFC in your Redmi 9C?

The first step is to make sure your smartphone doesn’t really support NFC.

• 🔍 Go to Settings. → Connections and sharing → NFC. If there is no chip, there is no chip.
• 📱 Install the app NFC Tools from Google Play. When you try to scan it will give an error "NFC unsupported".
• 🛒 Check the box or specifications on Xiaomi’s website: for Redmi 9C (model M2006C3LG) NFC It is listed only in the Chinese version of Redmi. 9C NFC (model M2006C3MI).

Critical detail: all global versions of the Redmi 9C (including Russian, European and Indian) were released without NFC. If you see references to contactless payment support, it is a Chinese version with the suffix "NFC" in the model name.

If NFC is not available, you don't have to try to flash your phone or look for "hidden features" -- that's a hardware limitation, but there are workarounds that we'll talk about below.

NFC Alternatives: How to Pay with Redmi 9C Without a Chip

The lack of NFC does not mean that the phone cannot be used for payment.

The most universal option — QR-For example, you can generate payments in Sberbank Online or Tinkoff. QR-The cashier scans it instead of the card, and the money is debited from the tied account, which works in most supermarkets (e.g., Five, Magnet) and cafes.

💡

If you pay frequently in one store, keep them. QR-The code for the phone's gallery payment, so you don't have to open the bank app every time you do it.

Google Pay is set up on Redmi 9C (without NFC)

While Google Pay on Redmi 9C does not support contactless payments via the terminal, it can be used to:

• 🛒 Payments in online stores (AliExpress, Wildberries, Ozon).
• 💳 Storage of virtual cards for quick data entry.
• 🔄 Transferring money between cards.

Instructions for setting:

1. Open Google Pay (if not installed, download from the Play Market).
2. Click Add Card → Credit or debit card.
3. Scan the card with the camera or enter the data manually (number, expiration date, CVC).
4. Confirm the binding via SMS or push notification from the bank.
5. The card is now available in the wallet section.

Important: for payment in stores, select "Pay through Google" when you place an order - the system will automatically substitute the card data, and you can also generate virtual cards for one-time payments (the feature is available in some banks, for example, Tinkoff).

Mi Pay: Does it work on Redmi 9C?

Mi Pay is Xiaomi’s proprietary payment service, but it has strict restrictions:

• 🇨🇳 It only works in China and supports UnionPay cards.
• 📱 Requires a Chinese version MIUI (Global firmware is not suitable).
• 🔄 Even if you have NFC in the Redmi model 9C NFC Russian maps (Visa/Mastercard) non-attachable.

If you still want to try it,

1. Install Mi Pay from the Mi App Store (not available on Google Play).
2. Register with a Chinese phone number (a VPN is required).
3. Add a UnionPay card (Russian Visa/Mastercard is not supported).

⚠️ Attention: Use VPN For registration in Chinese services may violate the rules of banks, in addition, Mi Pay is not certified to work with Russian payment systems, so write-offs can be blocked.

Banking applications: QR-payments and virtual cards

The most reliable way to pay with Redmi 9C is to use official bank applications, most of which support:

• 📱 QR-payments (SberBank, Tinkoff, Alfa-Bank).
• 💳 Virtual cards for online purchases (VTB, Raiffeisen).
• 🔄 Transfers by phone number (SBP – Quick Payment System).

Example of settings in Sberbank Online:

1. Open the application and log in.
2. Go to the Payments section → Payment on QR.
3. Put the camera on QR-Terminal code (or show your own) QR cashier).
4. Confirm the payment with a password or fingerprint.

The advantage of the method is that it works in 90% of stores in Russia, does not require NFC and is supported by all major banks, and the disadvantage is that you need to open the application and show the screen, which is longer than "touching" with a card.

💡

QR-Payments via banking applications are the only legal and universal payment method with Redmi 9C This method is supported even in small shops and markets.

External NFC-Adapters: Should You Buy?

If you critically need contactless payment, you may want to consider buying an external one. NFC-These are small devices (rings, key fobs or stickers) that emulate a bank card:

1. Buy an adapter (for example, NFC Ring or PayRing on AliExpress).
2. Link your bank card to it through a special application (usually included).
3. When paying, bring the adapter to the terminal (not the phone).

Pros:

• ✅ Works with any maps. Visa/Mastercard.
• ✅ No, he doesn't. NFC phone-on.

Cons:

• ❌ You need to wear the adapter separately (risk of loss).
• ❌ Cost from 1,500 to 5,000 rubles.
• ❌ Not all banks support binding to third-party devices.

⚠️ Before buying, check with your bank whether it allows the use of external NFC-Some financial institutions (e.g. Sberbank) block such transactions for security reasons.

Frequent problems and their solutions

When you set up your payment with Redmi 9C, users encounter common errors.

If you see a message saying "Device not certified for contactless payments" in Google Pay, that's fine -- that's how the system reports no NFC.

• 🔄 Switch to pay through QR.
• 💳 Order a virtual card for online purchases in the bank.
• 📱 Check if your bank supports SBP (Fast Payment System) – this is convenient for phone number transfers.

FAQ: Answers to popular questions