Setting up Google Pay on Xiaomi Mi9: test-off NFC before-payment

Xiaomi Mi9 even 2026 The year remains the current smartphone for contactless payments – thanks to the built-in chip NFC But owners often face problems: the app can't see the card, the bank is not supported, or payments are broken at the checkout. MIUI 12-14 and the requirements of Russian banks in 2026 year.

We will analyze not only the basic setting, but also the nuances:

• 🔍 Why? Mi9 may not see the module NFC (Even if it is in the characteristics)
• 💳 Which banks are working with Google Pay in Russia after sanctions (list for June 2026)
• ⚙️ How to get around the error "Device is not certified" without root rights
• 🛡️ Security settings MIUI, Payments that are blocked (and how to disable them)

Important: the instructions are relevant for Xiaomi Mi9 (cepheus codename on any version MIUI — from global to Chinese (with Google Play installed). Mi9 SE or Mi9 Lite, part of the steps may be different!

1. Compatibility check: Does your Mi9 Google Pay?

Before you set up payments, make sure your Xiaomi is yours. Mi9 meets three key requirements:

• 📱 Android Version: Not Lower 8.0 (on Mi9 Android is in the box 9, But after the updates, it may be 10-11). Check: Settings → The phone. → Android version.
• 📶 Module NFC: It should be a hardware (only) Mi9 It's built into the top of the body next to the camera. → Connection and sharing → NFC — If there is no item, the chip is missing (rarely, but it happens in the "gray" versions).
• 🔒 Google Certification: The device must be checked for compatibility. Mi9 Buying in China without global firmware, Google Pay can block card addition.

🔎 How to check certification:

1. Open Google Wallet in the Play Market.
2. If the "Install" button is active, the device is certified.
3. If you see the message "Device is not certified", go to the section about bypassing the lock.

⚠️ Attention: Mi9 With custom firmware (such as LineageOS or Pixel Experience), Google Pay may not work even if you have a custom firmware. NFC. The reason is the lack of official encryption keys from Xiaomi.

2. Preparation of the smartphone: settings MIUI before adding cards

MIUI It has features that interfere with the work of Google Pay:

Turn off Battery Optimization for Google Pay|

Delete the cache of the application "Google Play Services"|

Turn on NFC quick-settings panel|

Update MIUI Update to the latest version (even if there are no updates")|

Check the region in settings (should match the bank)-->

Step 1: Optimize the battery

MIUI aggressively closes the background processes, which may cause Google Pay to fail at the checkout:

1. Go to Settings → Applications → Application Management.
2. Find Google Pay (or Google Wallet) and open its settings.
3. Choose Battery Optimization → No restrictions.
4. Repeat for Google Play Services.

Step 2. Set-up NFC

Nana Mi9 module NFC It's off by default. Turn it on:

1. Settings → Connection and sharing → NFC.
2. Activate the NFC slider.
3. In the default Payments section, select Google Pay (if there is no option, install the app first).

💡 Advice: Add NFC In the quick settings panel for convenience:

1. Swipe down from the top edge of the screen.
2. Click on the icon "⚙️" (Edit).
3. Find the NFC and drag it to the active area.

3. Install and configure Google Pay (Google Wallet)

Since 2022, Google Pay in Russia has been officially replaced by Google Wallet, but the payment functionality has remained the same.

Step 1 Installation

• 📥 Download Google Wallet from Play Market.
• 🔄 If the app is already installed, update it and clear the cache (Settings) → Annexes → Google Wallet → Warehouse → Clear the cache).
• 🆔 Launch the app and log in to your Google account (required to be one that is linked to your smartphone!).

Step 2: Adding a Bank Card

Algorithm for Russian banks (June 2026):

1. Click Add Card → Payment Card.
2. Scan the map with the camera or enter the data manually.
3. Confirm through SMS (if the bank supports).

⚠️ Important: If the bank is not supported, try adding a card via Mir Pay (for Mir cards) or Samsung Pay (if installed). Mi9 Samsung Pay works through the official app, but requires registration of a Samsung account.

4. Solution of the error "Device not certified"

If you see a message when you add a card, Device is not certified or not supported, the problem is one of three:

1. Unofficial firmware is installed (for example, Xiaomi.eu or custom).
2. The smartphone was purchased in China without global software.
3. The integrity of Google Play Services has been compromised.

Method 1: Verification of certification through Device ID

Find out if yours is certified. Mi9:

1. Install QuickShortcutMaker.
2. Find Google Play Services and select com.google.android.gms/.settings.
3. Scroll to Device Certification – If not certified, go to method 2.

Method 2. Bypassing Magisk (without root rights)

If you don’t have a rooted smartphone but have an unlocked bootloader:

1. Install SafetyNet Fix module via Magisk.
2. In Magisk, turn on the options: ✅ Enforce DenyList ✅ Zygisk

• Google Pay
• Google Play Services
• Restart your smartphone and check your certification through SafetyNet Test.

⚠️ Attention: After update MIUI SafetyNet Fix module may fly. Before upgrading, turn off automatic update installation in Settings → The phone. → Updating the system → ⚙️ → Auto-update.

1. Unlock the loader (instructions).

2. Install Mi Flash Tool and run the fastboot version of the global MIUI.

3. After the firmware, reset (Settings) → Additionally. → Recovery and discharge).

This will delete all data, but solve the problem with certification!-->

5.First Payment: How to Use Google Pay at the Cashbox

After adding the card, check the operability at the terminal:

• 📱 Unlock. Mi9 (PIN, print or face unlock).
• 💳 Bring the top of the smartphone (where the camera) to the terminal at a distance. 2-3 centimeter.
• ✅ Wait for vibration and sound signal – payment has passed.

🔹 Frequent errors at the checkout:

• 🚫 "Card not supported: terminal does not accept Mastercard/Visa Try the "Peace" card or pay through the QR-code.
• 🔋 "Low battery charge: if the charge is below 5%, NFC Charge your smartphone to at least 10.
• 🔒 "Requires unlocking": on Mi9 s MIUI 14+ You need to verify payments with a fingerprint/password every time. You can't turn it off, Google's security requirement.

📌 How to speed up payment:

• Add Google Pay to the Quick Settings Panel (see the section on the app). NFC).
• Set up Quick Access: Settings → Lock screen → Quick launch of applications → Choose Google Wallet.
• Turn off window animation in Settings → The phone. → Version. MIUI → press 7 times → Additionally. → Windows animation (select the windows) 0.5x).

6.Security: How to Protect Payments for Xiaomi Mi9

NFC-payments are vulnerable to fraud if security is not set up. Mi9 do the following:

1. Set-up lockdown

• 🔐 Install. PIN-code or pattern lock (at least 6 points).
• 👆 Add a fingerprint (Settings) → Password and security → Fingerprint. Mi9 The scanner is built into the screen – it’s less reliable than the physical one, so add a backup. PIN.
• 😊 Face Unlock on the Mi9 only works with 2D-Recognition (less secure), so don’t use it as your primary method of unlocking.

2. Google Wallet settings

• 🛡️ Enable Remote Device Management in Google Settings → Security → Find the device.
• 📍 Turn off Location History for Google Wallet if you don’t use geolocation payments.
• 🔄 Check the list of cards in the app regularly and remove unused ones.

Protection against card cloning

Fraudsters can read card data through NFC Relay Attack (remote attack) to minimize the risk:

• 🛡️ Use virtual cards (for example, from Tinkoff or Alfa Bank).
• 🔋 Turn it off. NFC, When you are not using it (quick settings) → NFC).
• 📱 Install. NFC Tools and check suspicious tags before paying.

⚠️ Attention: On Xiaomi Mi9 s MIUI 12-14 There is a vulnerability in the module NFC, It allows you to read map data in the background to close it: Update MIUI Turn off the background scan. NFC In Settings → Connection and sharing → NFC → Install Avast Mobile Security and turn on the protection NFC.

7. Google Pay Alternatives for Xiaomi Mi9

If Google Pay is not working or your bank is not supported, consider alternatives:

🔹 How to choose an alternative:

• If you have a map, the world" → Mir Pay or SberPay.
• If you need support MST (for old terminals) → Samsung Pay.
• If the bank does not support Google Pay → Check if it has an app (e.g. Alpha Click or Tinkoff Pay).

💡

Xiaomi. Mi9 You can install multiple payment services at the same time (e.g. Google Pay). + Samsung Pay + Mir Pay, but the default will trigger the one selected in Settings → Connection and sharing → NFC → Default payments.

FAQ: Frequent questions about Google Pay on Xiaomi Mi9