How to install and configure Miui Pay on Xiaomi Watch 2 Pro: Full Guide 2026

Contactless payments from smartwatches are not only convenient, but also safe. Xiaomi Watch 2 Pro supports Miui Pay technology, which allows you to pay for purchases directly from your wrist without taking out your smartphone. However, many users face difficulties in the first setup: the system requires a bank card link, compatibility checks and sometimes gives out incomprehensible errors.

In this article, we will look at all the steps of installing Miui Pay on the Xiaomi Watch 2 Pro, from smartphone preparation to the first payment, which banks are supported in 2026, how to avoid common errors (for example, “device is not certified”) and what to do if the watch does not see the application, and compare Miui Pay with alternatives like Google Pay and Apple Pay, so you can choose the best option.

Note: the procedure is different from the settings on Xiaomi Watch S3 Redmi Watch 3, as the Watch 2 Pro is based on Wear OS (This adds to its nuances, but also opens up additional opportunities, such as support for Mastercard and Visa cards from most Russian banks.

If you've already tried to set up payments and you've got a mistake, don't rush to reset your watch. 90% of the time, it's at the smartphone or banking app level, and then we'll take each step as closely as possible, taking into account the current requirements of Miui Pay for June 2026.

1. Requirements for installing Miui Pay on Xiaomi Watch 2 Pro

Before setting up, make sure your hardware and software meet the minimum requirements. Miui Pay will not work if at least one of the conditions is not met.

First, check the firmware version on the watch. Xiaomi Watch 2 Pro requires Wear OS 3.5 or later, you can find out the current version in the Settings menu. → System system → If the version is outdated, update the watch through the Wear app. OS smartphone.

Second, make sure your smartphone is compatible with Miui Pay, and the devices are officially supported.

• 📱 MIUI 12.5+ (for smartphones Xiaomi, Redmi, POCO)
• 🤖 Android 9.0+ (For other brands, but with limitations)
• 🍎 iOS 15+ (Only for card binding, payments from the clock do not work)

The third is a bank card, and as of June 2026, Miui Pay in Russia supports the following bank cards:

Important: foreign bank cards (Revolut, Wise, N26) Miui Pay is not supported in the Russian Federation due to sanctions restrictions.

2. Preparation of the smartphone and the clock for setting

At this point, you need to sync the Xiaomi Watch 2 Pro with your smartphone and install the necessary applications.

1. Install or update the Wear app OS Google from Google Play (for Android) or App Store (for iOS) Minimum version 2.55.

2. Connect the watch to your smartphone via Bluetooth. To do this, go to Settings on the clock. → Connections → Bluetooth and select your phone.

3. Launch the Wear app OS on your smartphone and complete the initial clock setting (if it’s the first run).

Now prepare the watch itself:

• 🔒 Make sure the clock is set. PIN-without locking the screen, Miui Pay won't work.
• 📶 Connect the watch to Wi-Fi (optional, but will speed up data loading). → Connections → Wi-Fi.
• 🔄 Update all available apps on the watch through the Play Market (image "🛒" menu).

Critical error: If you see a message saying "Device not certified" when you try to add a card, it means your smartphone has unofficial firmware or unlocked bootloader.The solution is to return the stock firmware or use another phone to set up.

Installation of Miui Pay on Xiaomi Watch 2 Pro: step-by-step instructions

Now, to the installation process itself, follow the instructions in strict order to avoid errors.

1.On your smartphone, open the Wear app OS and go to the Payments section (badge "💳").

2.Click Add Payment Service and select Miui Pay from the list.

3.The system will redirect you to the Mi Pay app (if it is not installed, download it from Google Play).

Then proceed with the Mi Pay application:

• 📱 Confirm registration through your Xiaomi account (if not authorized).
• 💳 Click "Add card" and scan it or enter data manually.
• 🔐 Confirm the addition through SMS or push notification from the bank.
• ✅ Wait for the message "The card is ready to use".

After successfully adding a card to Mi Pay, return to the Wear app OS smartphone:

1. Select the added card and click Use on the clock.

2. Confirm the action on the watch (a notification will appear asking you to enter the PIN-code).

3. wait for synchronization (may take up to 5 minutes).

Check the balance of the card|Make sure that NFC clock-on|Battery charge >30%|The phone is in the range of Bluetooth-->

If the card does not appear on the clock:

1. Reset the clock (hold the side button for 10 seconds).

2.Appendix Wear OS Remove the map and add it again.

3. Check if it's on. NFC on the clock: Settings → Connections → NFC.

4 How to use Miui Pay on Xiaomi Watch 2 Pro

Once you've set up successfully, it's easier to pay with a watch than with a smartphone. Here's how it works:

1. Payment activation: Double-press the side button on the clock (default).The screen should show your card.

2. Hold the clock to the terminal: Keep the watch screen at a distance. 2-3 The payout is accompanied by vibration and sound.

3. Confirmation: for amounts in excess of 1000₽ (In some banks, 3,000.₽) may require input PIN-terminal-code.

Important nuances:

• 🔋 Make sure the clock is charged >15%, low charge. NFC may be off.
• 📶 The watch must be connected to the phone via Bluetooth (but not necessarily to the internet).
• 🛒 Not all terminals support payments from hours. If payment doesn't pass, try another terminal.

💡

To speed up payment, add Miui Pay to Quick Settings on the watch. To do this, swipe down the screen and click "⚙️ → Edit → Add Miui Pay".

If the terminal issues an error "Operation rejected", check:

- The limit on contactless payments in your bank (can be 5000)₽/day-day).

- Is the card's daily limit exceeded?

- Is the card blocked by the bank (sometimes the block occurs after 3 unsuccessful attempts to pay).

5. Solving common mistakes

Even with the right setup, users are faced with errors, and here are the most common problems and solutions:

Error: "The device is not supported"

Reason: Your smartphone is not certified for Miui Pay (like custom firmware or root).

Decision:

• 📲 Use a different smartphone (preferably Xiaomi with the official one) MIUI).
• 🔧 Return the stock firmware and block the loader.
• 🌐 Try adding a card through the web version of Mi Pay (mi.com/pay).

Error: "Card is not supported"

Reason: the bank does not cooperate with Miui Pay or the type of card is not suitable (for example, Alfa-Bank credit card).

Decision:

1. Check the card for compatibility in the official list.

2. Try adding another card of the same bank (for example, a debit card instead of a credit card).

3. Contact the bank to request that you activate Miui Pay support for your card.

Mistake: "No Internet connection"

The reason: the clock is not synchronized with the phone or there is no network.

Decision:

• 🔄 Restart the watch and smartphone.
• 📶 Turn on the mobile Internet on your phone.
• 🔗 Reconnect the clock to your phone via Bluetooth.

💡

If no solution worked, reset the clock settings to factory settings (Settings) → System system → Reset) and reset Miui Pay from scratch.

6. Comparing Miui Pay with Alternatives: Which is Better?

Xiaomi Watch 2 Pro supports not only Miui Pay, but also other payment systems.

When to choose Miui Pay:

• 💳 Your bank does not support Google Pay (for example, Raiffeisenbank).
• 📱 You have a Xiaomi smartphone without Google services (rarely, but it happens).
• 🇷🇺 You need support for Mir cards.

When to choose Google Pay:

• 🌍 You travel frequently (best international compatibility).
• 🛡️ You need additional protection (Google Pay generates virtual card numbers).
• 📲 You have a smartphone on pure Android (Pixel, Samsung).

On the Xiaomi Watch 2 Pro, you can configure both systems at the same time and switch between them depending on the situation.

7 Payment security with Xiaomi Watch 2 Pro

Contactless payments from watches are better protected than traditional cards, and here is how security is ensured in Miui Pay:

Tokenization: instead of the real card number, a virtual token is used, and even if the data is intercepted, fraudsters will not be able to use it.

2. Two-factor authentication: Adding a card requires confirmation via SMS bank-app.

3.Block when you withdraw: if you take the watch off your hand, the system can block payments (configured in Settings) → Security).

4. PIN-code for large amounts: payments over the limit require input PIN terminal.

What to do if your watch is lost or stolen:

• 📵 Block the card in the banking application immediately.
• 🔒 Remove the card from Mi Pay via the web version (mi.com/pay).
• 📍 Use the "Find Device" function in the Wear app OS, to determine the location of the clock (works if the clock is connected to the Internet).

💡

Enable the option "Block when you remove" in the settings of the clock (Settings) → Security → Lock when you withdraw the watch will be automatically locked if you remove it, which will prevent unauthorized payments.

⚠️ Warning: Never keep it. PIN-The code from the card in the notes on the watch or smartphone, and scammers can access them through phishing applications.

8. Frequently Asked Questions (FAQ)