How to set up Google Pay on Xiaomi: Detailed Guide 2026

Contactless payments via Google Pay on Xiaomi smartphones make it easier to pay in stores, transport and online services. However, many users face problems when first setting up: the application does not see the card, NFC does not work or the bank is not supported. In this article, we will analyze all the stages of setting up Google Pay on Xiaomi, taking into account the features of MIUI 14/15 and the requirements of Russian banks in 2026.

It’s important to understand that the process depends on three factors: the smartphone model (starting with the Redmi Note 8 Pro and Mi 9T supported by NFC), the firmware version and your bank policy, and we’ll look at not only the basic installation, but also the solution to typical errors – from the lack of contactless payment option in the settings to the app locking due to regional restrictions.

1. Verification of compatibility of Xiaomi smartphone with Google Pay

Before you set up Google Pay, make sure your Xiaomi supports NFC technology and is certified for contactless payments.

• 📱 Models with NFC: All flagships (Xiaomi) 13/14, Mi 11), Redmi Note series starting with 8 Pro, POCO F3 For the full list, see the official website.
• 🔄 Firmware MIUI: Versions below MIUI 12.5 may not support Google Pay. Update the system in Settings → The phone. → Updating the system.
• 🌍 Regional restrictions: On some models for China (CN-Google Pay is blocked. Check the label on the box.

If your smartphone is not included in the list of supported, the alternative will be Mi Pay (for Chinese models) or banking applications with its own. NFC-Payment (for example, Sberbank Online or Tinkoff).

2.Preparation of the smartphone: enable NFC and Google Pay

Before adding a card, two key components must be activated:

1. Turn on NFC: Go to Settings → Connections & Sharing → NFC and activate the switch. For convenience, turn on the option “Automatically Enable When Locking the Screen” – this will allow you to pay without unlocking the phone.
2. Install Google Pay: Download the app from Google Play. If it’s not in your region, use a VPN (like ProtonVPN) or download an APK from a trusted source (like APKMirror).

Important: On some models (Redmi 9T, POCO M3), the NFC option may be hidden. To find it, type in the settings search for the "NFC" request.

3. Adding a Bank Card to Google Pay

The process of adding a card takes 2-3 minutes.

1. Open Google Pay and click "Add Card" → "Credit or Debit Card".
2. Scan or manually enter the card details (number, expiration date, CVC). For some banks (Tinkoff, Alfa-Bank) you will need confirmation via SMS.
3. Accept the terms of use and wait for the bank to check (it can take up to 5 minutes).

If no card is added, check:

• 💳 Card type: Mastercard, Visa, World (since 2023) supported.Maestro and virtual cards may not work.
• 🏦 Bank support: Check with your bank whether contactless payments via Google Pay are allowed. For example, VTB and Gazprombank require separate activation of the service.
• 📶 Internet connection: To add a card, you need stable network access (Wi-Fi or mobile Internet).

4. Security setting: PIN-code-free

Google Pay requires additional authentication to protect payments. The following options are available on Xiaomi:

Note: If you use Smart Lock (automatically unlocked in trusted places), Google Pay may require a PIN on each payment. disable this feature in Settings → Google → Smart Lock.

💡

To speed up payment, add the Google Pay shortcut to the home screen: dlou click on the free space → “Widgets” → “Google Pay”.

First payment and work inspection

After adding the card, test the payment for up to 1000 ₽ (Limit for the first transaction in most banks:

1. Unlock your phone (PIN or biometrics).
2. Bring the top of the smartphone (where it is located) NFC-chip) to the terminal at a distance of 2-4 cm.
3. Wait for the vibration and the beep. The checkmark and the payment will appear on the screen.

Common mistakes at the first payment:

• ❌ "Card not supported" → Check if the service is activated in the bank.
• ❌ "The device is not certified" → Update Google Play Services to Google Play.
• ❌ "No connection" → Turn on mobile internet (Wi-Fi may not work for payments).

💡

If the terminal is not reading the card, try to bring the phone to another place at the checkout (sometimes the chip is located not in the center of the terminal).

6. Solving common problems

Even after setting up correctly, Xiaomi users are faced with errors.

6.1 Google Pay does not see the bank card

If your card does not appear in the list of supported:

• 🔍 Check if the bank is blocking contactless payments (call support by the number on the back of the card).
• 📱 Update Google Pay and Google Play Services.
• 🌐 Try changing the region in your Google account to the country where the bank is supported (e.g., the U.S. for Revolut).

6.2.NFC is enabled but payments are not passed

Causes and solutions:

• 🔋 Battery discharge: At charge level below 5% NFC It might be off.
• 🛠️ Damaged. NFC-chip: If the phone fell, the chip could have gone. NFC with other devices (for example, file transfers).
• 📵 Metal case: It shields the signal. Remove the case before payment.

Error "Device not certified"

This problem arises from:

• 📦 Smartphones with CN-firmware (for China).
• 🔧 Phones with root rights or custom firmware.
• 🔄 Devices after reset to factory settings.

Decisions:

1. Reflash the phone to the Global version of MIUI (instructions on xiaomi.eu).
2. Install Magisk and Universal SafetyNet Fix (for phones with root).
3. Contact Google Support via the feedback form.

7. Optimization and additional functions

Google Pay on Xiaomi supports not only payments, but also other useful options:

• 🚇 Transport cards: Add a Troika, arrow or Podrovnik to the section "Travels". For Moscow and the region, a binding Social card of a student is available.
• 🎫 Tickets and coupons: Keep electronic tickets for concerts, planes or discount loyalty cards (for example, Five, Magnet).
• 🔑 Digital keys: Some models (Xiaomi 13 Ultra) can add car or smart lock keys.

For convenience, set up:

• Quick Access: Twice click the power button to open Google Pay (includes in the app settings).
• Payment Notifications: Enable in Google Pay Settings → Notifications to see transaction history.
• Automatic update of travel: Activate in the settings of the transport card.

💡

If you use the subway a lot, add a transport card widget to the main screen, which will save time when passing through the turnstile.

FAQ: Frequent questions about Google Pay on Xiaomi