How to Set Up Xiaomi Phone Payments: NFC, Google Pay and Mi Pay in 2026

Xiaomi’s contactless smartphone payment saves time and eliminates the need to carry a wallet. However, not all users know how to properly configure this feature on their devices. In 2026, Xiaomi owners have several ways to pay with their phone: through an integrated NFC chip, Google Pay (now Google Wallet), or the branded Mi Pay solution.

In this article, we will discuss all the current methods of setting up, including preparing the phone, adding bank cards and solving typical problems. Particular attention will be paid to the Xiaomi 13/14 series, Redmi Note 12/13 and POCO F5 models, because they have nuances with NFC support depending on the region. If your smartphone does not recognize the terminal or emits a payment error, here you will find the reasons and ways to fix them.

What Xiaomi smartphones support contactless payment

Not all Xiaomi devices have the NFC chip needed to pay for a phone. In 2026, the contactless module is in most flagships and mid-budget models, but is absent from some budget lines.

• 📱 Flagship series: Xiaomi 12/13/14, Xiaomi 12T/13T, Mix 4/Fold — support NFC across the regions.
• 💰 Mid-segment: Redmi Note 11/12/13 Pro, POCO F4/F5 — eat NFC, In some countries (for example, India) it can be turned off software.
• 🔳 Budget models: Redmi 10A/12C, POCO M5/M6 — often NFC.
• ⚠️ Regional restrictions: In China, many models only support Mi Pay (without Google Pay), while global versions work with both services.

To check for NFC on your smartphone, go to Settings → Connected Devices → NFC. If you don’t have it, your device doesn’t support the technology.

⚠️ Note: If you bought a smartphone in China (local version), Google Pay may not work due to restrictions of Google Mobile Services (GMS). In this case, only Mi Pay or custom firmware installation remains.

Preparing Xiaomi Phone for Contactless Payment

There are several steps you need to follow before setting up your phone payment, which ensures that the NFC is stable and your payment data is protected.

Update the firmware to the latest version MIUI|Turn it on. NFC customized|Install Google Wallet or Mi Pay from the official store|Add a fingerprint or PIN-unlocker|Check the compatibility of the bank card-->

First, update your operating system. Go to Settings → About Phone → Update your system and install the latest version of MIUI. This is important because old firmware may contain errors in NFC. For example, MIUI 13 had a problem with accidentally shutting down the module after rebooting — MIUI 14 fixed it.

Then activate the NFC chip:

1. Go to Settings → Connected Devices → NFC.
2. Turn on the NFC switch.
3. Activate Contactless Payments (may be called HCE Wallet on some models).

If contactless payments are not available, your device does not support this feature at the software level, in which case only Mi Pay (if available) or alternative methods like Samsung Pay via emulation (but this requires root rights) remain.

⚠️ Note: Some Xiaomi models (e.g. Redmi Note 10 Pro for India) have an option NFC It's hidden in the engineering menu. To activate it, type in the Phone app code ##6484## and select NFC Test → Do it at your own risk! Google Wallet (formerly Google Pay)|Mi Pay|Both options|Other service|I do not use contactless payment.--> Setting up Google Pay (Google Wallet) on Xiaomi Google Pay (now Google Wallet) is the most versatile way to pay with a Xiaomi phone outside of China.The service works with most bank cards and supports virtual cards, discount coupons and travel tickets. Here's how to set it up: 1. Download the Google Wallet app from Google Play Market. make sure you have the latest version installed - old builds may not support new bank cards. 2. Open the app and click Add Card. The system will offer to scan the physical card or enter the data manually. For security, we recommend entering the data manually to avoid scanning errors. 3. After adding the card, the bank will send the data to the bank. SMS Some banks (e.g. Tinkoff or Sberbank) require additional authorization through their mobile app. 4. Wait for the card to activate (it can take up to 10 minutes) After that, you can pay for your purchases by bringing your phone to the terminal. Important nuances: 💳 Google Wallet Maps Doesn't Work - You Need Mi Pay or SberPay. 🔒 If the phone is dead or off, the payment won’t work (unlike Samsung Pay, where there’s backup power for the phone to run out of power). NFC). 🌍 In some countries (such as the United States), Google Wallet only supports local banks. 💡If the terminal doesn’t recognize your card in Google Wallet, try restarting your phone or temporarily disabling it. VPN. Some banks block transactions if they suspect a change in geolocation, and how to use Mi Pay on Xiaomi Mi Pay, a Xiaomi-branded payment service that operates in China, Russia and some Asian countries. Its main advantage is the support of Mir cards and local banks, which are not compatible with Google Pay: 🏦 It works only with a limited list of banks (in Russia it is Sberbank, VTB, Tinkoff and several others). 📱 Requires registration of Mi Account and linking of phone number. 🔄 Does not support virtual cards and bonus programs (unlike Google Wallet). Mi Pay setup instructions: Install the Mi Pay app from the Mi App Store or Google Play (if available in your area). Open the app and log in to your Xiaomi account. If you don't have an account, sign up. Click Add a card and select a bank from the list. Enter the card details manually (no scanning is supported). Confirm the add-on via SMS Or a push notification from the bank. Activate the default Payment option if you want to use this card for quick payments. Unlock your phone to the terminal to pay for it. You'll see a payment animation and a beep on the screen. If the terminal doesn't respond: Check that NFC Make sure the purchase amount does not exceed your bank's contactless payment limit (usually 5,000-10,000). ₽). Try to reboot your phone - sometimes Mi Pay "hangs" in the background. What to do if Mi Pay doesn't work after the update MIUI? After major updates (e.g., with the MIUI 13 on MIUI 14) Mi Pay may require re-authorization. Remove the card from the application and add it again. If the problem persists, clear the app cache in the settings (Settings) → Annexes → Mi Pay → Warehouse → Clear cache. Solving contactless payment problems on Xiaomi Even after setting up correctly, phone payment may not work. Here are the most common errors and ways to fix them: Problem Possible cause Terminal doesn't recognize phone NFC Disabled or faulty Check settings NFC, If it doesn't work, go to the service center. "Card is not supported" error The bank is not working with the selected service (Google/Mi Pay) Check the list of supported banks on the service website or try another payment method.Transaction rejected Exceeded daily limit or insufficient funds Check card balance and limits in the mobile bank. If necessary, confirm the payment through the payment SMS. Mi Pay does not open Outdated version of the app or Mi Account issues Update the app, re-enter Xiaomi account or reinstall Mi Pay. If none of the ways worked, try resetting your settings NFC: Go to Settings. → System system → Resetting settings → Reset network settings. Select Reset settings. NFC (If you have one, restart your phone and add the map again. ⚠️ Note: Some Xiaomi firmware (especially custom) may not work contactless payments due to lack of certificates HCE (Host Card Emulation, in which case only flashing to the official global version will help. MIUI. 💡If your Xiaomi is not supported NFC, If you want to pay by phone, consider using the QR-They don't require a contactless chip, but they do need the Internet. Contactless Payment Security: How to Protect Your Money Payment by phone is convenient but requires increased attention to security.Here are key precautions for Xiaomi users: 🔐 Use it. PIN-A code or biometrics (a fingerprint/face scan) to unlock your phone, without which anyone picking up your smartphone can pay for the purchase. 📵 Turn it off. NFC, If you don't pay, this will reduce the risk of accidental debiting of funds when you come into contact with fraudulent terminals. 🛡️ Set up transaction notifications in a mobile bank, so you will immediately know about unauthorized payments. 🔄 Check the list of added cards regularly in Google Wallet or Mi Pay.Remove unnecessary or outdated.In 2023, scammers actively exploited a vulnerability in the protocol NFC to steal data cards through special readers. To protect yourself, turn off the “Pay without unlock” function in the Google Wallet settings (path: Settings) → Contactless payments → If your phone is stolen: Immediately lock all associated cards via mobile bank. Remove the device from your Google or Mi Account (this will disable Mi Pay). Restore Xiaomi account access via account.xiaomi.com if scammers try to reset settings. Alternative ways to pay with Xiaomi phone If your smartphone doesn't support NFC If you are facing regional restrictions, there are alternative methods: 💳 QR-Codes: Services like SberPay, Tinkoff or AliPay allow you to pay for purchases through scanning QR. The downside is that you need the Internet. 📱 Banking applications: Many banks (for example, VTB or Alfa-Bank) have a built-in contactless payment function through their own software. 🔄 Wearables: If you have a Mi Band 7/8 Or Xiaomi Watch with NFC, You can tie the card to them and pay in hours/bracelet. 🔌 Plastc/Coin: Smart cards that emulate multiple bank cards. NFC, But they require a separate purchase. QR-code: Install the bank application (e.g. SberBank Online) log in and find the Payment section QR. Point the camera at the terminal code or show your QR If you travel frequently, look for Revolut or Wise, which allows you to create virtual cards for payment in different currencies, and also supports Google Pay and Apple Pay. FAQ: Frequent questions about paying with Xiaomi phone My Xiaomi doesn't see the terminal when paying.What to do? Check the following points: Make sure NFC included. Try to bring the phone to the terminal by the other side (chip) NFC Reboot the phone, sometimes the module. NFC "If nothing helps, check the terminal on another device (possibly the problem on the store side). Can you pay with a Xiaomi phone without the Internet? Yes, for contactless payment via the store. NFC (Google Wallet or Mi Pay, you don't need Internet, you store your card data in a secure part of your phone, but you need Internet to add the card and sync it periodically for the first time. QR-codes (SberPay, AliPay) where the Internet is mandatory. Does Xiaomi support payment with Mir cards? Yes, but only through Mi Pay or banking applications (for example, SberBank Online). Google Wallet does not work with Mir cards due to sanctions restrictions. Also, some banks (like Tinkoff) issue virtual Mir cards that can be linked to Mi Pay. How to remove a card from Google Wallet or Mi Pay? In Google Wallet: Open the app. Select the card you want to delete. Click on the three dots in the top right corner and select Delete. In Mi Pay: Launch the app. Go to My Cards. Click on the card and select Delete. Can I pay with a Xiaomi phone abroad? Yes, but there are nuances: 🌍 Google Wallet works overseas if your card supports international payments. 🚫 Mi Pay may not work outside China/Russia due to restrictions of partner banks. 💱 Before traveling, check with the bank whether contactless payments are allowed in the country of visit. 📱 Some terminals abroad require PIN-code €, even when paying by phone.