The modern smartphone has long since ceased to be just a means of communication, turning into a universal digital wallet that we carry with us everywhere. For owners of flagship devices such as the Xiaomi Mi 9, the ability to pay for purchases with one touch to the terminal is one of the key features that increase the usability of the gadget in everyday life. However, the process of setting up contactless payment can raise questions, especially given the features of the Android operating system and the various versions of the MIUI shells installed on the device.
In this article, we will discuss in detail all the stages of binding a payment instrument to your smartphone, starting from checking technical compatibility and ending with troubleshooting typical errors. NFC-The module built into the Xiaomi Mi 9 supports high frequency standards, which guarantees a fast and secure transaction anywhere in the world where Visa, Mastercard or MIR cards are accepted. Proper configuration will eliminate awkward situations at the checkout and will allow you to forget about wearing physical plastic.
Before you get to the software part, make sure your bank issuer supports mobile payment services such as Google Pay or alternative solutions relevant to your region. Many large banks have already integrated their systems with Android platforms, but some regional lenders may require their own applications or have restrictions. To fully work contactless payment in Xiaomi Mi 9 requires an active Internet channel and unlocked screen of the device at the time of access to the terminal.
Technical compatibility and availability of NFC
The first step on the way to convenient payment is to verify the availability and correct operation. NFC-The Xiaomi Mi 9 features a Near Field Communication module that sits at the top of the back of the device, usually next to the camera. Despite the fact that this model is a flagship, software failures or accidental shutdown of a function in the system can create the illusion of a hardware malfunction, so you should start the diagnosis with software settings.
To activate the module, lower the swipe notification curtain from top to bottom and find the icon NFC. If it is not available in quick access, go to the Settings menu, then select Connect and Sharing (or just Additional in older versions). MIUI) and find the switch. NFC. Make sure it is activated and also check if the mode of operation is selected. NFC SIM-Cards if you plan to use a carrier service, although Google Pay does not usually require this.
⚠️ Attention: If the switch is NFC In the settings, it's active, but the phone doesn't respond to the payment terminals, maybe there's a metal sticker or a metal plate case on the device that screens the signal.
In addition, check whether the system is blocking the module in power saving mode. In some MIUI builds, aggressive battery optimization can turn off the background processes necessary for the chip to be read at all times. Go to the Battery and Performance section and make sure that payment applications do not have strict background activity restrictions.
Installation and configuration of Google Pay
The main tool for contactless payments on smartphones with a “clean” Android or a global MIUI shell is Google Pay. To get started, you need to download the official application from the Google Play Store, making sure that it is updated to the latest version. After installing, launch the program and log in to your Google account, which is also used in your smartphone to synchronize contacts and other data.
The process of adding a card is as automated as possible: click the Add Card button and follow the instructions on the screen. The high-resolution camera of the Mi 9 smartphone will allow you to quickly read data from plastic, you only have to confirm the details. CVV-The system will automatically contact the bank for verification, which can take from a few seconds to a couple of minutes depending on the speed of the Internet connection.
☑️ Check before adding a map
During the setup, the application may request permission to use geolocation or camera. Geolocation is often required to detect fraudulent transactions, and the camera, as mentioned, to scan card data. Denial of these permissions may interrupt the setup process or limit the functionality of the application, so it is recommended to agree to security requests.
If you have multiple Google accounts, make sure you add the card to the default account for the payment system. Switching between accounts within the app is possible, but the default account will be used for authorization in most cases, which makes it easier to pay in one click.
Alternative payment systems and Mi Pay
In some regions or when using certain firmware versions MIUI (The standard Google Pay can be replaced or supplemented by Xiaomi’s own Mi Pay solution, which is integrated directly into the system application “Security” or “Mi Wallet” and allows you to add cards without installing third-party software. The interface of Mi Pay may differ, but the logic of the work remains similar: scanning the card, verification through the computer. SMS installation PIN-code.
In addition, many large banks are developing their own applications with support. NFC-payment through technology HCE (Host Card Emulation. In this case, the banking application itself emulates the card, and you do not need to configure Google Pay. Just install the bank application, add the card inside it and in the settings. NFC Select this application as the primary default for emulation of the card.