Setting up Google Pay on Xiaomi Mi9: from card binding to payment in 1 touch

Xiaomi Mi9 It is still one of the brand’s most popular flagships, but device owners often face problems setting up contactless payments, unlike newer models where Google Pay (now Google Wallet) is integrated at the system level, the company said. Mi9 You need to follow a few additional steps – especially if you are using unofficial firmware or encounter an error called “Device not certified".

In this guide, we will not only analyze the basic setting of the service, but also reveal a unique method of bypassing the lock of Google Pay on an unlocked bootloader (relevant for 80% of users). Mi9 You will also learn how to add Mir, Sberbank and Tinkoff cards without errors, and why some banks refuse to work with your device.

Follow the instructions Step-by-step, and in 5 minutes you can pay by phone in stores, subways and online. FAQ 90% error-solving.

1. Smartphone Preparation: Why Google Pay May Not Work Mi9

Before you start setting up, make sure your Xiaomi is yours. Mi9 The main reasons why Google Pay refuses to work:

• 📱 Unlocked bootloader: Google blocks payments on unlocked-status devices due to hacking risk.
• 🔄 Unofficial firmware (MIUI EU, Pixel Experience, LineageOS. Even if it's stable, Google may not certify it.
• 🕒 An outdated version MIUI. On versions below MIUI 12.5 possible failures in operation NFC.
• 🏦 The bank does not support Google Pay, for example, some regional banks are still not integrated into the system.

To check the status of the bootloader, go to Settings → The phone. → Version. MIUI and tap 7 times on the "Core" line. Then go back and open Additional settings. → If you have the word "loader status: unlocked" at the top, you will need to bypass the lock (see section 4).

Also make sure that:

• 📶 NFC enabled (Settings included) → Connections and sharing → NFC).
• 🔋 Battery charge above 15% – Google Pay can shut down.
• 🌍 The region in Google settings corresponds to the country of your bank (for example, Russia for Sberbank cards).

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If you’ve recently reset your phone to factory settings, wait 24 hours before setting up Google Pay – sometimes Google servers need time to confirm the device.

2. Installation and first launch of Google Pay (Google Wallet)

Since 2022, Google Pay has been renamed Google Wallet, but the functionality of contactless payments has remained the same. Mi9 You can use both versions, but we recommend you install Google Wallet as a more up-to-date solution.

Installation steps:

1. Open the Google Play Store and search for the Google Wallet app (or Google Pay if Wallet is not available in your area).
2. Click "Install" and wait for the download to be completed.
3. After installation, open the application and accept the terms of use.
4. Sign in to your Google account (required to be the one linked to your phone).

If the application does not install or if it gives an error "Device is not certified", go to section 4, which describes how to bypass the lock.

After the first run, the system may request permissions to:

• 📍 Location access – required to confirm transactions in some banks.
• 📱 Permission to use NFC — mandatory for contactless payments.
• 🔒 Screen lock permission – Google Pay requires customized PIN-code, pattern lock or fingerprint.

3. Adding a bank card: step-by-step instructions

Now, to the most important thing, the map binding. Mi9 This process may differ depending on the bank, so we will analyze the universal method and separately consider the nuances for Sberbank, Tinkoff and cards.

Universal instruction:

1. Open Google Wallet and click "Add Map" (Icon "+" lower-right).
2. Select "Credit or Debit Card".
3. Enter the card number manually or scan it with the camera (on the map). Mi9 scanner works stably, but in poor lighting it is better to enter data manually).
4. Fill in the fields with expiration date, CVC-code and name of the owner (Latin as on the map).
5. Accept the bank's terms and wait SMS confirmation-coded.
6. Enter the code from SMS annex.

If no card is added, check:

For cards World there is a separate nuance: not all banks support their addition to Google Pay. at the time of 2026, the cards of Sberbank, VTB, Promsvyazbank and Tinkoff (if issued after 2022) are working.

4. bypassing the Google Pay lock on unlocked Mi9

This method only works on MIUI 12.5 and newer with unlocked bootloader, but no root rights. If you have custom firmware (for example, Pixel Experience), the chances of success are lower - you will need to return to the official version of the software. MIUI.

Instructions for circumvention:

1. Download and install the Device app ID (or any other means of checking the Google Services Framework ID).
2. Open the app and find the line "Google Service Framework (GSF)". Copy its meaning.
3. Go to the Google Device Registration website.
4. Enter the copied GSF ID and press Registrar".
5. Reboot the phone.
6. After the reboot, clear the cache and data of the Google Play Services (Settings) → Annexes → Application management → Google Play Services → Warehouse → Clear the cache/data).
7. Try adding the card to Google Pay again.

If the method has failed:

• 🔄 Try to repeat the registration GSF ID 24 hours later.
• 📱 Install Magisk and Universal SafetyNet Fix (requires root rights).
• 🔙 Return to the official firmware MIUI via Mi Flash Tool (extreme version).

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Registration GSF ID — Google can lock the device again after the service update. + SafetyNet Fix.

For users with custom firmware (e.g. Pixel Experience or LineageOS):

⚠️ On unofficial firmware, Google Pay often refuses to work even after registration. GSF. The only reliable way is to get the official MIUI The alternative is to use alternative payment systems like Samsung Pay (via patched bootloader). APK) or Mir Pay.

5. Default payment setting and card management

Once you successfully add a card, you need to make it the primary payment option for contactless payments, which is especially important if you have multiple cards tied.

How to set up:

1. Open Google Wallet and select the map you want.
2. Slip on the three dots in the upper right corner and select "Make the main one".
3. For convenience, you can turn on the option "Fast Payment" - then the card will appear when you double press the power button (you can configure in Settings). → Special facilities → Quick action).

We also recommend:

• 🔐 Set up a screen lock (PIN, pattern lock or fingerprint – without it, Google Pay won’t work.
• 📱 Enable “Pay without unlocking” in Google Wallet settings (allows you to pay without entering) PIN phone, but requires prior unlocking within the last 5 minutes).
• 💳 Add a virtual card (if the bank supports) for additional security.

To remove or disable the card:

1. Open Google Wallet and select a map.
2. Press three points. → "Delete the map".
3. Confirm the action.

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If you pay frequently in the same place (such as a cafe or supermarket), add a card to your favorites on Google Wallet – it will be displayed first when approaching the terminal.

6. Solving Common Mistakes on Xiaomi Mi9

Even after successful user experience Mi9 We've collected the most common problems and solutions to them:

Mistake 1: The terminal can't see the phone

• 📵 Check that NFC switched on and the phone unlocked.
• 🔋 Make sure the battery is above 5% (in some terminals, payment is blocked when the charge is low).
• 📱 Try bringing the phone to the terminal by the other side (antenna). NFC on Mi9 top-end).

Error 2: “The card does not support contactless payments”

• 🏦 Check with the bank whether your card supports the technology. PayPass/PayWave.
• 💳 Try adding a different card of the same bank (sometimes the problem is in a particular card issue).

Error 3: "The device failed SafetyNet"

• 🔧 Install Magisk and Universal SafetyNet Fix modules + MagiskHide Props Config.
• 📱 Check SafetyNet status through SafetyNet Test.

Error 4: Google Pay won’t open after update

• 🔄 Clear the cache and data of Google Play Services and Google Wallet.
• 📥 Reinstall Google Wallet via APKMirror (download only verified versions).

If none of the methods helped, try resetting the settings. NFC:

1. Go to Settings → Connections and Sharing → NFC.
2. Turn it off. NFC, Reboot your phone and turn it on again.
3. Remove and add the card again.

7. Google Pay Alternatives for Xiaomi Mi9

If you haven’t managed to set up Google Pay, consider alternative ways to make contactless payments:

To install Samsung Pay on the Mi9:

1. Download. APK latest version with APKMirror.
2. Install the application by allowing installation from unknown sources.
3. Download and install the Samsung Pay Enabler patch (available on the 4PDA).
4. Restart the phone and add a map.

⚠️ Note! Samsung Pay may block the card if the bank finds it has been added to an uncertified device.

FAQ: Answers to Frequent Questions