Contactless payment on Xiaomi smartphones: a full list of models with NFC (2026)

Contactless payments via a smartphone have long ceased to be a luxury — today it is a standard feature that saves time and simplifies everyday purchases. NFC-The chips used to pay with a card through a phone are becoming critical, and not all brand models are equipped with this technology, and in some regions the functionality may be limited to software.

In this article, we will not only list all the current Xiaomi smartphones with NFC (including budget, mid-range and flagship series), but also analyze the nuances of setting up Google Pay, Mi Pay and other payment systems. You will learn how to check the presence of a chip in your device, why payment may not work even if it is available, and what alternative ways exist for models without NFC.

What Xiaomi smartphones support contactless payment (NFC)

NFC (Near Field Communication) technology allows the smartphone to communicate with payment terminals at a distance of up to 10 cm Xiaomi chip began to actively implement in 2018, but even today not all models are equipped with it — especially in the budget segment. Below is the current list of devices with support for contactless payments, divided into series.

It is important to note that the presence NFC The specifications do not guarantee payment in your area, for example, models for the Chinese market (China). ROM) This feature is often devoid of the service due to local features of payment systems. For full use, we recommend buying versions for the global market (Global). ROM) European (EEA ROM).

• 📱 Flagship series: Xiaomi 14/14 Pro/14 Ultra, 13/13 Pro/13 Ultra/13T/13T Pro, 12/12 Pro/12S/12S Pro/12S Ultra/12T/12T Pro, 11/11 Pro/11 Ultra/11T/11T Pro, Mi 10/10 Pro/10 Ultra/10T/10T Pro
• 💰 Mid-segment: Redmi Note 13 Pro+/13 Pro 5G/12 Pro+/12 Pro 5G, POCO F6 Pro/F5 Pro/F4 GT, Xiaomi Civi 4 Pro/Civi 3
• 💸 Budget models: Redmi Note 12 5G/12R/11 Pro 5G, POCO X6 Pro/X5 Pro/X4 GT (Note: In the basic versions of the Redmi Note 12/11 and POCO X6/X5 NFC absent!)
• 🌍 Regional features: In India and China, even flagships can be supplied without NFC For example, Xiaomi 13 for the Chinese market does not support Google Pay.

How to check if there is NFC in your Xiaomi

If you're not sure if your smartphone is equipped with an NFC chip, there are a few ways to check this out: the quickest is to look at the specifications on Xiaomi's official website or in the documentation for the device, but sometimes the manufacturer does not explicitly state this information, especially for older models.

Alternative methods:

1. Through settings: Open Settings → Connected devices → NFC. If there is no point, there is no chip.
2. Using the app: Install NFC Tools from Google Play. The app will show the chip's presence and status.
3. Visual inspection: On some models (such as the Redmi Note 11 Pro+), the NFC chip is located under the back cover next to the camera – it can be seen by removing the case.

💡

If you have NFC in your settings but the payment doesn’t work, check the firmware region.The Chinese versions (CN ROM) often block payment features.

It is also worth considering that even with NFC, some banking applications (such as SberBank Online) may not support payment through a particular model, which is due to the certification of the device by banks.

Why Contactless Payment May Not Work for Xiaomi

There's a lot of NFC in a smartphone, but there's no payment, and you can sort of categorize it into three categories: hardware, software, banking, and we'll go through each one in detail.

One of the most common cases is the blocking of payments on Chinese firmware, because China has a popular payment system (such as Alipay), and manufacturers often turn off support for Google Pay for the local market, so the solution is to reflash the device to a global version of MIUI.

Another common problem is conflict with covers or protective glass. Metal cases or accessories that are too thick can shield the NFC signal. Try removing the case before paying.

Contactless payment settings on Xiaomi: step-by-step instructions

If your smartphone supports NFC and firmware is global, you just have to set up a payment application. Consider the two most popular options: Google Pay and branded Mi Pay (available in not all regions).

Setting up Google Pay:

1. Download Google Pay from Google Play Market (unless set by default).
2. Open the app and log in to your Google account.
3. Click Add the card and scan it or enter the data manually.
4. Confirm the addition via SMS or push notification from the bank.
5. After successful addition, the map will appear on the main screen of the application.

Mi Pay settings (for supported regions):

1. Open the Mi Pay app (pre-installed on most global firmware).
2. Link a bank card (not all banks are supported, the list depends on the country).
3. Turn on the default Payment option if you want to use Mi Pay instead of Google Pay.
4. To pay, unlock your phone and bring it to the terminal (you do not need to open the application).

💡

Mi Pay works only in some countries (for example, India, Russia, Ukraine), in Europe and the United States only Google Pay is available.

After setting up, check the payment operation on the contactless terminal. If the terminal does not respond:

• 🔄 Reboot your smartphone.
• 📶 Make sure that mobile internet or Wi-Fi is enabled (to check the card).
• 🛠️ Update Google Pay or Mi Pay to the latest version.

NFC Alternatives: How to Pay for Shopping Without Contactless Technology

If your Xiaomi doesn’t support NFC, don’t despair — there are several alternative ways to pay via phone that are less convenient than contactless payments, but workable.

1. QR-code

Many banks and payment systems (e.g. Sberbank Online, Tinkoff, Qiwi) allow you to pay for purchases through scanning. QR-For this purpose:

• 📱 Open the banking application and find the Payment section QR.
• 🖼️ Put the camera on QR-check-in.
• 💳 Confirm the write-off of funds.

Payment bracelets and rings

If you are interested in contactless payment, you can buy NFC-bracelet or ring with a chip tied to a bank card, such accessories are inexpensive (from the 500 It is compatible with any smartphone. Example: Xiaomi Mi Band 7/8 Pro with Alipay support (in China) or universal bracelets from Garmin.

3. Online payment through the terminal

Many stores support Apple Pay/Google Pay even without NFC on their phone.

1. Select the option of Payment via phone at the terminal.
2. Enter the phone number linked to the bank card.
3. Confirm payment via SMS or push notification.

💡

Some banks (such as Tinkoff) allow you to pay for purchases through a chatbot in Telegram, just send the bot the amount and confirm the payment.

Of course, these methods aren’t as fast as NFC, but they will help if your Xiaomi doesn’t support contactless payments.

Regional Limitations: Why NFCs Are There and Payment Is Not Working

One of the most common problems for Xiaomi owners is the presence of a NFC-It is impossible to link the card to Google Pay or Mi Pay, most often due to regional restrictions imposed by both the manufacturer and banks.

1. Firmware for the Chinese market (CN ROM)

Chinese versions of MIUI are often devoid of support for Google Pay due to local payment systems (Alipay, WeChat Pay).Even if you install Google Pay manually, the app will not be able to add a card due to lack of certification.

• 🔄 Refuse the device on Global ROM or EEA ROM (European).
• 🛠️ Use unofficial patches (e.g., Magisk module to bypass restrictions).

Banking restrictions

Some banks (especially in Russia and the CIS) block payments via Google Pay on uncertified devices, for example, SberBank may not support payment on Xiaomi purchased in China.

• 🏦 Check the list of supported models from your bank.
• 💳 Use cards of other banks (for example, Tinkoff or Alfa Bank are usually more loyal).

3.Geographical restrictions of Google Pay

In some countries (e.g. Iran or North Korea), Google Pay is completely blocked, leaving only Mi Pay (if available) or alternative payment methods.

If you're facing regional restrictions, the most reliable way to do this is to install global firmware, which can be done officially through MIUI bootloader or informally through Xiaomi.eu, but remember that informal firmware can take away your warranty.

The future of contactless payments in Xiaomi: what to expect in 2026-2026

Recent trends show that Xiaomi is gradually introducing NFC even in budget models. whereas the chip was previously the preserve of flagships, today it appears in devices costing from 15,000 rubles. In 2026, the following innovations are expected:

1. Expanding support in budget series

Already in the Redmi Note 13 and POCO X6, NFC has become a standard option, and in the next generations it will likely appear even in the basic versions, due to the growing popularity of contactless payments in developing countries, where Xiaomi holds a significant market share.

2. Improved compatibility with banking systems

Xiaomi is actively working to certify its devices for Google Pay and local payment systems, and in 2026, the list of supported banks is expected to expand, especially in the CIS and Southeast Asia.

3.Integration with smart watches and bracelets

The company is developing an ecosystem of wearable devices, and new versions of the Mi Band and Xiaomi Watch will support contactless payments through Alipay and other systems, which will allow you to pay for purchases even without a smartphone.

4. Improved security

New models are expected to introduce improved UWB-enabled NFC chips for more secure transactions, a technology already used in iPhones and Samsung Galaxy, and Xiaomi will not be left out.

So, if you’re planning to buy a Xiaomi smartphone in the next year or two, the chances of getting a device with NFC and full support for contactless payments are greatly increased.

FAQ: Frequent questions about contactless payment on Xiaomi