How to set up a phone payment on Xiaomi Redmi 9C NFC: the full guide 2026

Why you need to pay with your phone on Redmi 9C NFC

Xiaomi Redmi 9C NFC is equipped with an NFC module that allows you to use the device for contactless payments. Not only is it convenient — you do not need to carry physical cards with you — but it is also safe: transaction data is encrypted, and if you lose your phone, payment can be instantly blocked. However, many users face difficulties in the first setup: the NFC module does not turn on, the banking application does not see the phone, then payments are disrupted at the checkout.

In this article, we’ll look at everything from checking your Redmi 9C NFC’s compatibility with payment systems to adding cards to Google Pay, Mi Pay, and SberPay, and focus on common mistakes like why the terminal isn’t reading your phone or why the message “Device is not supported” appears, and how to protect payments from fraudsters and what to do if payment suddenly stops working.

Important: Redmi 9C NFC supports contactless payments only through the NFC- chip, but not all banks work with this model. Before setting up, check whether your bank has issued cards for Google Pay or Mi Pay - the list of supported organizations is regularly updated.

Compatibility check of Redmi 9C NFC with payment systems

Before you set up a payment, make sure your Xiaomi Redmi 9C NFC is technically ready for it.

• 📱 Phone model: It must be a Redmi 9C NFC (model code M2006C3MG or M2006C3MI). A regular Redmi 9C without NFC cannot pay by phone.
• 🔄 Version MIUI: Update to the latest stable firmware (minimum MIUI 12 or later required). Check the version in Settings → About Phone → Version MIUI.
• 💳 Bank support: Not all Russian banks work with Google Pay and Mi Pay. For example, Sberbank supports only SberPay (formerly Mir Pay), and Tinkoff supports Google Pay.
• 🌍 Region: The device must be tied to a country where contactless payments are available (Russia, Kazakhstan, Belarus, etc.) If the phone is purchased in China, there may be restrictions.

To check for NFC, go to Settings → Connect and Sharing → NFC. If you don’t have one, your model doesn’t support the technology. You can also use the NFC Tools app from Google Play to diagnose the chip.

⚠️ Warning: If you bought Redmi 9C NFC in the secondary market, check if the phone was unlocked through Bootloader or stitched with custom firmware.This may block Google Pay due to a SafetyNet security breach.

Activating NFC and Preparing Your Phone for Payments

Before adding a credit card, you need to turn on NFC and configure security settings.

1. Open Settings → Connect and share data → NFC.
2. Activate the NFC switch (should turn blue).
3. Select the mode below: 📱 For payments – if you only use contactless payments. 🔄 For data transfer – if you plan to share files via Android Beam (not necessary for payments).

Go back to your main settings and go to Google → Security → Google Pay (if you use this system). Enable Device Search – this will help block payments when you lose your phone.

For stable operation of NFC, it is recommended:

• 🔋 Turn off power saving mode for Google Pay/Mi Pay applications (in Settings → Battery → Power saving mode).
• 📶 Connect to mobile internet or Wi-Fi – some banks require authentication on the first payment.
• 🔒 Set a pattern lock or PIN- screen lock code (required for Google Pay).

Turn it on. NFC customized|Update MIUI last-minute|Set the screen lock|Disable energy saving for payment applications|Connect to the Internet-->

⚠️ Warning: If the phone starts to warm up or discharge rapidly after activation of NFC, check if other applications (e.g. Mi Band or Yandex.Keys) are running background processes. Disable them in Settings → Apps → AutoStart.

Adding a Bank Card to Google Pay

Google Pay is the most versatile payment system for Redmi 9C NFC, supported by most banks (Tinkoff, VTB, Alfa-Bank, etc.) To add a card:

1. Download the Google Pay app from the Play Market (if it’s not by default).
2. Open the app and click "Add map".
3. Scan the map with the camera or enter the data manually: 💳 Card number (16 digits). 📅 Duration (month/year). 🔐 CVC-code (3 digits on the back).

Confirm the addition via SMS or push notification from the bank.

Think of a short PIN- code for payments (will be requested when paying in excess of 1,000 ₽).

After adding the card will appear in the app. To pay for the purchase:

1. Unlock your phone (necessary for security).
2. Bring the top of the Redmi 9C NFC (where the chip is located) to the terminal.
3. Wait for the sound signal or vibration – the payment has passed.

Important: Redmi 9C NFC does not support Host Card Emulation (HCE) technology, so Google Pay requires an active internet connection when the first payment is made.

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If you add a card to Google Pay, you will be able to check the status of SafetyNet through the SafetyNet Test app. When you trigger the CTS Profile Mismatch, try flashing the phone with the official firmware through the Mi Flash Tool.

Payment settings via Mi Pay (for UnionPay and Chinese banks)

Mi Pay is a proprietary payment solution from Xiaomi that supports UnionPay cards and some Russian banks (for example, Raiffeisenbank), which is less popular than Google Pay, but can come in handy if your bank does not work with other services.

To set up Mi Pay:

1. Install the Mi Pay app from the Mi App Store or Google Play.
2. Open the application and accept the terms of use.
3. Click Add Card and select the bank from the list. If your bank is not available, Mi Pay does not support its cards.
4. Enter the card details and confirm the addition via SMS.
5. Create a payment PIN- code (other than unlocking your phone).

Features of Mi Pay on Redmi 9C NFC:

• 🌐 Works without the Internet (card data is stored in a secure eSE element).
• 💰 Payment limit without PIN is up to 5000 ₽ (depending on the bank).
• 🔄 Supports Quick Pass (Chinese equivalent of contactless payments).

⚠️ Warning: If you add a card to Mi Pay, check if you have root rights or custom Recovery installed on your phone, and this blocks the eSE protected element from working.

Payment via SberPay (for Sberbank customers)

If you use Sberbank cards, your only option is SberPay (formerly Mir Pay), which works only with Mir cards and is tied to the Sberbank Online app.

Instructions for setting:

1. Install or update the Sberbank Online app.
2. Log in to the application and go to the "Maps" section.
3. Select the World card and click "Add to SberPay".
4. Confirm the addition via SMS or biometrics (print/face).
5. Activate the contactless payments option in the card settings.

To pay for your purchase via SberPay:

1. Unlock the Redmi 9C NFC.
2. Bring the phone to the terminal (no need to open the app).
3. If the sum is greater than 1000 ₽ enter the PIN- card code in the terminal.

The benefits of SberPay:

• 🔒 Works without the Internet (data is stored in a secure element).
• 💳 Supports all World cards, including credit cards.
• 📱 Integrated into Sberbank Online – no need to install a separate application.

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SberPay does not require a separate application - Sberbank Online version 10.0 or later is enough, but payments are only possible on Mir cards.

Solving Typical Phone Payment Problems

Even after setting up correctly, Redmi 9C NFC users may encounter errors, and consider the most common and ways to fix them:

If the problem persists, follow the following steps:

1. Check if the antivirus (such as Dr.Web or Kaspersky) is blocking NFC.
2. Update Redmi 9C NFC to the latest version via Settings → About Phone → System Update.
3. Reset your NFC settings to factory: Settings → Applications → Application Management → NFC → Storage → Clear data.
4. Contact the bank for support – it may be a problem on their side (for example, temporary blocking of transactions).

⚠️ Warning: If after resetting NFC stopped working at all, check if the chip is disabled at the hardware level. To do this, type in the engineering menu the command ##4636## and select "Test NFC." If the test fails, contact the service center.

Contactless Payments: How to Protect Your Money

Paying by phone is convenient but requires increased attention to security.Here are key precautions for the Redmi 9C NFC:

• 🔐 Screen lock: Set a complex PIN (at least 6 digits) or pattern lock. Fingerprint or facial recognition is an additional, but not a basic, layer of protection.
• 📱 Remote lock: Activate Find Device in Google settings (Settings → Google → Security → Find Device) to lock your phone and erase data remotely.
• 💳 Payment Limits: Set up daily limits on contactless transactions (e.g. no more than 10,000 ₽ per day) in the banking application.
• 🔄 Two-factor authentication: Enable SMS or push notifications to confirm payments in the bank settings.
• 🚨 Transaction monitoring: Check your payment history regularly in the banking app. If you have suspicious transactions, immediately block the card.

What to do if your phone is stolen:

1. Call your bank and block all Google Pay/Mi Pay cards.
2. Sign in to your Google account from another device and delete the data from your lost phone.
3. If you used SberPay, block the card through Sberbank Online on another device.
4. Report to the police (you will need an IMEI phone, which can be recognized on the box or in the check).

Critical information: On the Redmi 9C NFC, card data in Google Pay and Mi Pay is stored in a secure element (eSE), which does not allow you to copy information even when you hack your phone. However, fraudsters can intercept payment through a fake terminal - always check the amount on the checkout screen.

- Availability of the bank logo (for example, Sberbank or Tinkoff).

- Absence of extraneous stickers or wires.

— Message of (successful payment) on the terminal screen.-->

FAQ: Answers to Frequent Questions