How to set up payment via NFC on Xiaomi Android smartphones: full instruction 2026

Contactless payments through NFC It's become standard, just attach a smartphone to the terminal and it's paid for. But on Xiaomi smartphones (especially on the budget Redmi or the Redmi model). POCO) This function sometimes doesn't work clearly, so the module is disabled by default, the banking application doesn't see the card. NFC-Payment on any Xiaomi device – from checking hardware support to adding virtual cards to Google Pay, Mi Pay or banking applications such as SberBank Online.

It’s important to understand that even if your Xiaomi is equipped with an NFC chip, this does not guarantee payment support. For example, some models (for example, the Redmi Note 10 Pro for the Chinese market) have a module only for reading tags, but not for emulating cards, we will teach you how to distinguish such cases and bypass restrictions – including manually enabling hidden functions through # #4636##.

1. Check NFC support on your Xiaomi

Before you set up payment, make sure your Xiaomi smartphone supports the technology at all.

• 🔍 Model specifications: Go to the official Xiaomi website or GSMArena service, find your model and check the Connectivity section. NFC: Yes.
• 📱 Visual inspection: Some models (such as Xiaomi 13 Pro) have a logo on the back NFC near-camera.
• 🛠️ Technical code: Enter in the phone application ##4636##, go to Phone Information and find the section NFC. If it is not available, there is no module.

Pay special attention to regional versions! for example, Redmi Note 12 Pro+ 5G Europeans support payments, while the Asian version (22101320G) — No. This is due to Google Mobile Services' licensing restrictions (GMS).

2. Enabling NFC in MIUI settings

If there's a module, it needs to be activated. MIUI:

• 📲 MIUI 14/15: Settings → Connection and sharing → NFC. Switch the slider to the "On" position.".
• 🔄 MIUI 12/13: Settings → Wireless networks → Additionally. → NFC.
• ⚙️ Older versions: The option may be hidden in Settings → System system → Advanced settings.

Once enabled, check that the NFC icon (stylized letter "N") appears in the top notification bar. If it is not, reboot the device. Some models (POCO F4 GT) require additional payment permission: go to Settings → Applications → Resolutions → NFC and turn on the Card Emulation option.

Check for NFC support in model specifications

Enable the NFC module in the MIUI settings

Update MIUI to the latest version (if available)

Make sure that your smartphone has Google Pay or a banking app installed.

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3. Google Pay settings (recommended method)

Google Pay is the most universal service for NFC-Payment for Xiaomi:

1. Download the Google Pay app from the Play Market.
2. Open the app and click "Start." Accept the terms of use.
3. Select "Add Card" → "Credit or Debit Card".
4. Scan the card with the camera or enter the data manually (number, expiration date, CVC).
5. Confirm the addition via SMS or push notification from the bank.

Important: Xiaomi with MIUI Global and Google Mobile Services installed cards are added without problems. On Chinese firmware (without GMS), Google Pay does not work - use Mi Pay or banking applications.

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If Google Pay doesn’t see the card, try clearing the app’s cache in Settings → Apps → Google Pay → Memory → Clear the cache.

4. Mi Pay setup (for Chinese firmware)

If your Xiaomi runs on China ROM, Google Pay will not be available.

1. Download Mi Pay from the Mi App Store (requires a Xiaomi account).
2. Open the app and link a bank card of a Chinese bank (for example, UnionPay).
3. Activate the “Contactless payments” option in the application settings.

For Russian users with Chinese firmware, the only way out is to flash a global version of MIUI or use banking applications that support HCE (Host Card Emulation), for example, SberBank Online or Tinkoff can emulate a card without Google Pay.

5. Adding a card to the banking application

Some banks allow you to link the card directly to your app, bypassing Google Pay.

• 💳 SberBank Online: Open the app → "Maps" → select a map → "Add to contactless payments".
• 🏦 Tinkoff: “Maps" → tap on the map → "Add to Google Pay" (or "Set up your phone payment").
• 🔵 VTB Online: “My cards" → select a map → "Pay by phone".

Once you add a card to your banking app, it automatically activates the emulation via NFC, and the main advantage of this method is that you don't need to install Google Pay, and payments go through a secure channel of the bank.

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Banking apps often support non-internet payment (offline mode), unlike Google Pay, which requires a connection to verify transactions.

6. Testing of payment and elimination of errors

Before the first payment, check the efficiency:

1. Unlock your smartphone (screens with) PIN-The code or fingerprint must be turned off – payments only work when the screen is unlocked!).
2. Hold the top of the phone (where it is located) NFC-chip) to the terminal at a distance of 2-4 cm.
3. Wait for a vibration or a beep to signal, which means that the payment has passed.

Typical errors and decisions:

• ❌ "Device does not support contactless payments": Check the firmware region (Chinese versions do not support Google Pay).
• ❌ "Can't add a map": Update Google Play Services to Play Market.
• ❌ Terminal can't see phone: Make sure NFC The terminal is enabled and supports Mastercard PayPass or Visa payWave.

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If the payment doesn’t pass, try turning off the energy-saving mode – it can block the background work of NFC.

7. Security. NFC-pay-off

Contactless payments are better protected than physical cards, but the risks remain.

• 🔒 Don't keep it. PIN-note-codes SMS — Use a password manager (Xiaomi Password Manager or KeePass).
• 📱 Turn on the screen lock (PIN, pattern lock or fingerprint without it, payments up to 1,000 to 5,000 ₽ (depending on the bank, pass without confirmation!
• 🚨 Turn it off. NFC, When not used: Settings → Connection and sharing → NFC → Off..

Xiaomi with MIUI 14+ has a “NFC Safe Zone” feature – it blocks payments if the phone is in your pocket or bag (even if the screen is unlocked). Activates in Settings → Memory and Security → NFC Security.

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NFC-The chip consumes minimal energy, but the module's constant operation can reduce battery life by 2 to 5 percent.

8.Alternatives: If NFC is not working

If your Xiaomi doesn’t support NFC or payments, consider alternatives:

• 💻 QR-Sberbank, Tinkoff and other banks allow you to pay for purchases through scanning QR checkout.
• 📲 Bracelets with NFC: For example, Xiaomi Mi Band 7/8 Pro support the binding of bank cards.
• 🔄 Global firmware: If you have a Chinese model (e.g. Redmi) K50), You can use Global. ROM Google Pay support.Caution: This voids the warranty!

For models without NFC (Like Redmi. 9A or POCO M3) The only way to pay contactlessly is to use external devices, such as NFC-Stickers or smart watches with payment support.

FAQ: Frequent questions on NFC-Payment on Xiaomi