How to Pay with Xiaomi Mi 9T: A Complete Guide to NFC and Mobile Payment Systems

Why the Mi 9T is suitable for contactless payments

The Xiaomi Mi 9T (also known as the Redmi K20 in some regions) comes with an integrated NFC chip that allows you to use your smartphone to pay for purchases instead of a bank card, which works through Google Pay, Mi Pay (in China), or directly through banking applications that support HCE (Host Card Emulation) technology. Unlike older Xiaomi models, where NFC was often absent, the Mi 9T supports the NFC Type A/B standard, which is compatible with most payment terminals in Russia, Europe and Asia.

The main advantages of paying by phone:

• Speed – The transaction takes 1-2 seconds.

Security – card data is not transferred to the terminal, but disposable tokens are used.

Convenience – you don’t have to carry physical cards.

However, there are nuances: not all banks support the linking of cards to Google Pay in Russia (due to sanctions), and Mi Pay officially works only with Chinese banks. In this article, we will analyze all the available ways to set up payments on the Mi 9T, including bypassing restrictions and solving typical errors.

Check NFC support for Xiaomi Mi 9T

Before setting up payments, make sure your Mi is yours. 9T It's actually equipped with a module. NFC. In some regions (e.g. India) versions were released without this chip. NFC two ways:

• 🔍 Through Settings: Go to Settings → Connected devices → NFC. If the item is missing, there is no module.
• 📦 Box: on the sticker with the characteristics should be a logo NFC lettering NFC: Yes.
• 🛠️ Using the Engineering Menu: Enter the code ##4636## in the phone application, select Phone Information and check the line NFC.

If NFC There's no phone bill, you can't pay with your phone: QR-codes (via SberBank Online, Tinkoff) or payment bracelets with Mi Band support.

Google Pay Setting Up for Xiaomi Mi 9T

Google Pay is the most universal payment method for the Mi 9T, but with reservations: since 2022, the service has officially not worked for new cards in Russia due to sanctions. However, old pegged cards may continue to function, and some banks (for example, Tinkoff) offer alternative solutions.

Instructions for setting:

1. Download the Google Pay app from Google Play (if removed, restore it through My profile → Library).
2. Open the app and log in to your Google account. Make sure your phone is on NFC (Settings → Connected Devices → NFC).
3. Click Add and scan it or enter the data manually. Mastercard and Visa cards are supported (Maestro is not always).
4. Confirm the addition via SMS or push notification from the bank.

If no card is added, try:

• 🔄 Update the Google Pay app to the latest version.
• 📱 Install GPay SQL Bypass (requires root rights) to bypass regional restrictions.
• 💳 Use a virtual bank card (e.g. Tinkoff Black).

Enable NFC in the settings

Install the latest version of Google Pay

Add a map to the appendix

Check the balance of the card (minimum 100)₽ first-payment)

Unlock the phone before reaching the terminal-->

⚠️ Note: Since 2026, some terminals in Russia have been blocking payments via Google Pay due to sanctions lists. If payment does not pass, try linking the card directly to the banking app (see next section).

Payment through banking applications (SberBank, Tinkoff, VTB)

Many Russian banks have developed their own solutions for contactless payments through the Internet. NFC, It works without Google Pay. It works without Xiaomi Mi. 9T fit:

Instructions for Sberbank Online:

1. Open the app and go to Maps → Card Settings → Contactless payments.
2. Activate the Pay by phone option and follow the instructions.
3. At the first payment, you may need to enter the PIN code of the card.

For Tinkoff Bank:

• 📱 Install the app and add the map.
• 🔒 Turn on Tinkoff Pay in the card settings.
• 💳 When paying, unlock your phone and bring it to the terminal (no need to open the application).

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If the banking app doesn’t see NFC, restart your phone and check that Settings → Apps → Special Access Rights → NFC is allowed for that application.

Use of Mi Pay (for users outside of Russia)

Mi Pay is Xiaomi’s own payment system, operating in China, India and some European countries, and is not officially supported in Russia, but can be activated by circumventing regional restrictions.

How to set up Mi Pay on Mi 9T:

1. Download. APK-Mi Pay file from a trusted source (e.g. APKPure).
2. Install the application by allowing installation from unknown sources (Settings → Applications → Special Access → Install Unknown Applications).
3. Open Mi Pay and select China or India.
4. Add a Visa/Mastercard card, and the Russian card may not work.

Mi Pay restrictions:

• ❌ It doesn't work with maps.
• ❌ Requires a Chinese or Indian phone number for verification.
• ✅ Supports payments in foreign stores (Amazon, AliExpress).

⚠️ Note: When using Mi Pay in Russia, terminals may block transactions as “suspicious” and test small amounts (up to 500).₽) pre-purchase.

Solving Contactless Payment Problems

If the Xiaomi Mi 9T phone payment doesn’t work, check out the following points:

If the problem persists:

• 🔄 Reset the settings. NFC: Go to Settings. → System system → Resetting settings → Resetting network settings (does not delete data).
• 📱 Update the firmware: check the relevance MIUI In Settings → The phone. → Updating the system.
• 🛠️ Check the antenna. NFC: If the phone fell, the antenna contacts could move away (disassembly is required).

Contactless Payments: How to Protect Your Money

Paying by phone is convenient, but requires increased attention to security.

• 🕵️‍♂️ Skimming: fraudsters can read card data at a distance (up to 10 cm) using special devices.
• 📱 Loss of phone: If phone is not password protected, attacker can pay for purchases.
• 💻 Phishing: Fake sites can intercept map data when added to Google Pay.

How to minimize the risks:

1. Set a screen lock (PIN, pattern lock or fingerprint).
2. Enable two-factor authentication in the banking app.
3. Turn off NFC when not in use (Settings → Connected Devices → NFC).
4. Use virtual cards (like Tinkoff or Revolut) for everyday payments.

⚠️ Attention: Xiaomi Mi 9T It does not support chip-level payment protection (like the iPhone or Samsung Knox), so all transactions are processed through software emulation (HCE). This means that when root access or install custom firmware, banks can block contactless payments.

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For maximum security, link a separate card with a limit (e.g. 10,000) to your phone.₽) Disconnect the main card from contactless payments.

Alternative ways to pay by phone

If the NFC on the Mi 9T is not working or the bank does not support contactless payments, consider alternatives:

• 📱 QR-codes: SberBank Online, Tinkoff, UMoney support payment through scanning QR. It is enough to open the application and point the camera to the terminal code.
• 💳 Plastiq Pass: Virtual Bank Cards You Can Add to Apple Pay/Google Pay on another device.
• ⌚ Smartwatches: If you have a Mi Band 6 NFC or Amazfit GTR 3, tie the card to them.
• 🔄 Cloud wallets: services like Revolut or Wise allow you to create one-time virtual cards.

To pay through QR-code in Sberbank Online:

1. Open the app and select Pay by QR.
2. Point the camera at the terminal code (usually located at the checkout).
3. Confirm the amount and enter the PIN code of the application.

Advantages QR-payment:

• ✅ They work without even working. NFC.
• ✅ Supported by all Russian banks.
• ✅ You can pay for online purchases (for example, in Wildberries or Ozone).

FAQ: Answers to Frequent Questions