The Xiaomi Watch 2 Pro supports contactless payments through Mir Pay, a Russian payment system that allows you to pay right from the wrist. However, many users face difficulties in configuring where to find the option on the menu, how to tie the card and why the system emits errors. In this article, we will discuss all the steps of installing Mir Pay on the Xiaomi Watch 2 Pro, including preparing a smartphone, syncing with the Mi Fitness application and solving typical problems.
It's important to understand that the process is different from setting up Google Pay or Apple Pay — there are nuances with bank support, watch firmware version and regional restrictions. We tested the instructions on the latest version of the software (the minimum required is HyperOS 1.0.23) and collected the latest data on compatibility with banks for June 2026. If your bank does not already support Mir Pay on wearable devices, at the end of this article there is a list of alternative payment methods from the watch.
1.Preparation: What you need to install Mir Pay
Before setting up contactless payments, make sure your hardware and software meet the requirements:
- 📱 Smartphone on Android 8.0+ with Mi Fitness installed (version no lower than 5.12.0).
- ⌚ Xiaomi Watch 2 Pro with HyperOS 1.0.23 firmware or later (check Settings) → About the clock → POS version).
- 💳 Mir card from a supported bank (full list below).
- 📶 Stable Internet connection on a smartphone (Wi-Fi or mobile network).
If at least one of the conditions is not met, Mir Pay will not appear in the menu of the watch. For example, on firmware older than HyperOS 1.0.20, the option may not be available even if you have a compatible card. Update the software through Mi Fitness → Profile → Xiaomi Watch 2 Pro → Update firmware.
2.Compatible banks: where Mir Pay works on Xiaomi Watch 2 Pro
Not all Russian banks support Mir cards being linked to smartwatches, and as of June 2026, the following organizations have been confirmed to work with:
| Bank | Mir Pay support on the watch | Notes |
|---|---|---|
| Sberbank | ✅ Yes. | Requires an up-to-date version of the Sberbank Online application |
| VTB | ✅ Yes. | Linking via VTB Online, possible synchronization delays |
| Tinkoff | ✅ Yes. | Only Mir debit cards are supported. |
| Alfa-Bank | ⚠️ Partially. | It does not work at all rates, check in support |
| Gazprombank | ❌ No. | Support is planned in 2026 |
If your bank is not on the list, check the current information on its official website or contact support. Some credit institutions (such as Raiffeisenbank or Opening) can support Mir Pay only for smartphones, but not for wearable devices.
⚠️ Note: Mir cards with MirAccept function (for legal entities) are not compatible with contactless payments on watches.
3. Step-by-step: how to add Mir Pay to Xiaomi Watch 2 Pro
Follow the algorithm below to link the map. If there is an error at some point, go to the Problem Solving section.
- Open the Mi Fitness app on your smartphone and make sure that the Xiaomi Watch 2 Pro is connected to your account.
- Go to Devices → Xiaomi Watch 2 Pro → Contactless payments.
- Click Add Card and select Mir Pay from the list of payment systems.
- Scan the card through the smartphone camera or enter data manually (number, expiration date, CVC).
- Confirm the addition via SMS or push notification from your bank.
- Wait for synchronization (may take up to 5 minutes) and a successful binding notification will appear on the watch.
☑️ Preparation for setting up Mir Pay
Once added, the card can be used to pay at Mir Pay-enabled terminals.
- Twice press the physical button on the watch.
- Bring the clock to the terminal (distance not more than 5 cm).
- Wait for the sound signal and vibration – the payment has passed.
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If the terminal does not accept payment from the clock, ask the cashier to switch it to contactless payment mode by Mir (some devices are set up only for default payment). Mastercard/Visa).
4.Setting up Mir Pay via the banking application
Some banks (e.g. Sberbank or VTB) allow you to link the card to the watch directly from your mobile application, which is convenient if the option does not appear in Mi Fitness.
- Open the Sberbank Online app and go to the Maps section.
- Select your Mir card and click Actions → Add to Mir Pay.
- In the list of devices, select Xiaomi Watch 2 Pro (if you don’t have a watch, update the app).
- Confirm the operation. SMS or biometrics (fingerprint)/Face ID).
The card will then automatically appear in the contactless payment menu on the watch, similar to the functionality found in VTB Online and Tinkoff apps, but the interface may be different.
⚠️ Note: If you remove the card from the banking app, it will also disappear from Mi Fitness and stop working on the clock.To untie the card, use only the Contactless payments menu in Mi Fitness.
5. Solving Errors When Setup Mir Pay
When you add a map, you often encounter errors, and we've collected some of the most common problems and ways to fix them:
| Mistake. | Reason. | Decision |
|---|---|---|
| I couldn't add a map. | Bank does not support Mir Pay on watches | Check the list of compatible banks or use a card of another issuer |
| Network error | Unstable Internet connection | Switch from Wi-Fi to mobile internet or vice versa |
| The device is not supported | Outdated watch firmware | Update Xiaomi Watch 2 Pro to the latest version of HyperOS |
| Map inactive | Card blocked or expired | Check the status of the card in the banking application |
If the error persists, try the following steps:
- 🔄 Restart the clock (press the power button for 10 seconds).
- 📱 Reinstall the Mi Fitness app on your smartphone.
- 💳 Make sure there is enough money on the card (some banks block payments with zero balance).
- 📞 Please contact the bank with the clarification: “I can not link the Mir card to the Xiaomi Watch 2 Pro via Mir Pay».
What if the terminal does not accept payment from the clock?
6. Alternative methods of contactless payment with Xiaomi Watch 2 Pro
If your bank doesn’t support Mir Pay on wearables, consider alternatives:
- 💳 Google Pay – Works with Maps Mastercard/Visa (requires binding via smartphone).
- 🏦 SberPay – for Sberbank customers with Mir cards (only in Sber terminals).
- 📱 Payment from a smartphone – link the card to your phone and use it for payments.
- 🔄 Virtual cards – some banks (such as Tinkoff) allow you to issue a virtual Mir card for watches.
To set up Google Pay on Xiaomi Watch 2 Pro:
- Add the card to Google Pay on your smartphone.
- In Mi Fitness, select Contactless Payments → Google Pay.
- Sync the data with the clock (reboot may be required).
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Mir Pay on Xiaomi Watch 2 Pro only works with Mir cards from supported banks. If your bank is not on the list, use alternative payment methods or contact support for more details about connection times.
7.Security: How to Protect Payments on the Watch
Contactless payments with Xiaomi Watch 2 Pro are protected by tokenization technology – the real card number is not transferred to the terminal.
- 🔒 Install. PIN-watch code (Settings) → Lock screen).
- 🚫 Turn off notifications with code from SMS (Settings → Notifications → Confidentiality regime).
- 📱 Link the watch to a trusted smartphone only (do not use public Wi-Fi for sync).
- 🛡️ Enable two-factor authentication in your Xiaomi account.
If the watch is lost or stolen:
- Block the card in the banking application immediately.
- Delete your device from your Xiaomi account via Mi Fitness → Profile → Device Management.
- Reset the clock remotely (if Find the device is enabled).
⚠️ Warning: Do not store multiple card data on your watch at the same time, which increases the risk of leakage when you lose your device.