How to set up a phone payment on Xiaomi: all the ways 2026

Why Paying with Xiaomi Phone Is Safe and Convenient

Contactless payments via smartphone are no longer a curiosity, as it is now standard for millions of users around the world. Xiaomi device owners (including Redmi, POCO and Black Shark models) can pay with a single touch without taking out a wallet or a bank card. But how do you set up this feature to make it work stably and securely?

In this article, we will look at all the current payment methods through Xiaomi’s phone in 2026, from Mi Pay to universal solutions like Google Pay and SberPay. You will learn which models support contactless payments, how to add a card, what settings to check before the first payment and what to do if the system refuses to work.

Important: If your Xiaomi is released before 2018, some methods may not be supported. Check compatibility in the table below or in the NFC settings on the phone.

What Xiaomi smartphones support contactless payment

Not all Xiaomi devices are equipped with NFC module – it is necessary for payment by phone.

• 📱 All flagships (Xiaomi series) 11/12/13/14, Mix, Ultra - supportive NFC and contactless payments.
• 💰 Mid-segment (Redmi Note Series) 10/11/12/13, POCO X/F) — most of the models NFC, There are exceptions (e.g. Redmi Note). 10 5G without NFC).
• 🔳 Budget models (Redmi A series, POCO M) — NFC It is rare, you need to clarify the characteristics.
• 🎮 Smartphones (Black Shark) — NFC It is available in the latest versions (starting with Black Shark 4).

You can check for NFC in two ways:

1. In the characteristics of the model on the official website of Xiaomi (section "Wireless networks").
2. In the phone settings: go to Settings → Connections and Sharing → NFC. If there is no item, there is no module.

If NFC There's no phone, you can't pay by phone. QR-codes through bank applications (e.g. Sberbank Online or Tinkoff), but this is less convenient.

Preparing Xiaomi phone for payment settings

Before adding a card to the payment system, you need to follow several mandatory steps, and if you skip them, you risk errors in payment.

Update. MIUI last-minute|Turn it on. NFC customized|Make sure that SIM-The card supports Mobile Pay (for SberPay)|Download the required application (Mi) Pay/Google Pay)|Check the balance of the card-->

Let's take a closer look at each item:

1. Update MIUI. Outdated firmware can block NFC or payment services. To update: Settings → About Phone → System Update → Check Updates Minimum Supported Version for Contactless Payments – MIUI 12 (for older models).
2. Turn on NFC. Go to Settings → Connections & Sharing → NFC and activate the switch. To save charge, select Payment Only mode to turn off NFC for other tasks (such as file transfers).
3. Verification SIM-If you plan to use SberPay or the World Pay, make sure your card is yours. SIM Supports Mobile Pay technology. You can specify this from the operator (for example, MTS, Beeline or Tele2) or in your personal account.

After preparation, you can start choosing a payment service, and in the next section we will compare Mi Pay, Google Pay and SberPay on key parameters.

Comparison of services for payment with Xiaomi phone

On Xiaomi smartphones, there are three main ways to contactless payment, each with its own pros and cons:

Mi Pay is Xiaomi’s proprietary solution, optimized for their devices, and the main advantage is that it works even on an unlocked phone (just bring it to the terminal), but the list of supported banks is limited.

Google Pay is a universal service, but requires you to unlock the screen before every payment, and is suitable for travel, as it supports foreign cards.

SberPay is convenient for SberBank customers, but it only works with their cards, plus it does not require the Internet for payments.

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For maximum compatibility with Russian terminals, it is recommended to use Mi Pay or SberPay. Google Pay may not work in some stores due to sanctions restrictions.

Step-by-step setting up Mi Pay on Xiaomi

Mi Pay is the fastest and most reliable payment method for Xiaomi owners.

1. Install the app. If Mi Pay is not preinstalled, download it from Google Play or the App Gallery (for models without Google services).
2. Registration. First start, you need to link your Mi Account. If you don't, create it through Settings → Accounts → Mi Account.
3. Add a card. Click Add a card and scan it with your camera or enter it manually. Supports MasterCard, Visa and World cards from partner banks (updated, up-to-date information is available in the app).
4. Bank confirmation. Once you add the card, the bank will send an SMS with the confirmation code, enter it in the app.
5. Security settings.Mi Pay offers to choose a way to confirm payments: 🔒 Without confirmation, payments up to 1000 ₽ (tuning in at the bank). 📱 Unlocking the screen – requires input PIN-fingerprint. 🔢 PIN-Mi Pay code – additional password for payments.

Once set up, the card is ready to use.

1. Unlock the phone (if you have a confirmation).
2. Bring the top of the smartphone to the terminal (where the NFC antenna is located).
3. Wait for the sound signal or vibration – the payment has passed.

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If Mi Pay doesn’t see the card, try clearing the app’s cache in Settings → Apps → Mi Pay → Storage → Clear the cache.

Setting up Google Pay on Xiaomi: features and nuances

Google Pay (now Google Wallet in newer versions) is an alternative for those who prefer universal solutions, but Xiaomi may have difficulties with it due to the features of MIUI.

Here’s how to set up the service correctly:

1. Compatibility check: Google Pay requires: 📱 Android 8.0 or newer. 🔒 The phone should not have root rights or unlocked bootloader (otherwise the service will block the addition of cards). 🌐 Active Internet connection (for the first card link).

Installation of the annex

Google Pay

Google Wallet

Google Play

Xiaomi

Addition of the map

"Add a map."

Tinkoff

Alpha-Click

An important point: on Xiaomi with global firmware, Google Pay usually works without problems, but on devices with Chinese MIUI (for example, Xiaomi 13 Pro CN), errors can occur due to the lack of Google services.

• 🔧 Install Google Play Services manually (APK-file from APKMirror).
• 🌍 Changing the region in Google settings to “Russia” or “Europe".

To pay via Google Pay:

1. Unlock the phone.
2. Open the Google Pay app (or swipe up from the bottom of the screen if you have a quick access set up).
3. Choose a card to pay for.
4. Bring the phone to the terminal.

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If the terminal does not accept payment via Google Pay, try to disable the Quick Pay feature in the app settings and try again.

How to set up SberPay on Xiaomi: binding to SIM-map

SberPay is a convenient service for SberBank customers that does not require a separate application. SIM-This is a map that simplifies the process:

1. Verification SIM-Make sure your card is yours. SIM from MTS, Beeline, MegaFon or Tele2 It supports Mobile Pay technology. You can check it out: 📞 In your operator’s mobile application (Services or Finances"). 💬 Sending. USSD-request: *111*789# (for Beeline or *111*88# (for MTS).

Activation of the service

• 🌐 Personal account on the operator's website.
• 🏦 Mobile application of the bank (SberBank Online) → "Maps" → "SberPay").
• Link card. In the SberBank Online app, select the card you want to link to SberPay and click "Connect to Mobile Pay." Confirm the transaction. SMS-code.
• Set up your phone. Enable NFC in settings (Settings → Connections → NFC) and select Payment System → “SberPay”.

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SberPay is the only service that runs on Xiaomi without internet and does not require a separate app.

Solving the problem: why Xiaomi phone payment doesn’t work

Even when set up correctly, contactless payments may not work, and here are the most common problems and solutions.

If none of the solutions worked, try:

• 🔄 Reset the settings NFC: Settings → System system → Resetting settings → Resetting wireless network settings.
• 📱 Reinstall the payment application (Mi) Pay/Google Pay).
• 🔧 Check if the payment is blocked by antivirus or VPN (Turn them off temporarily).

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If payment doesn’t go through a particular store, try bringing your phone to the terminal from a different angle – the NFC antenna may not be in the center.

Contactless Payments: How to Protect Your Money

Paying by phone is convenient, but requires a heightened focus on security.

• 🔐 Use the lock screen. PIN-A code, pattern lock or fingerprint can be used to pay for your phone.
• 📵 Turn it off. NFC, This will prevent accidental payments (for example, if the phone is in a bag next to the terminal).
• 🏦 Set limits on contactless payments without confirmation (usually up to 1000-3000) in the banking application. ₽).
• 🔍 Check your payment history. Check your bank's application regularly and check your chargebacks.

Particular attention is paid to fraudulent schemes:

• 🚨 "Double charge. Some terminals can write off money twice. Always check the check.
• 🕵️ Phishing apps. Download Mi. Pay/Google Pay only from official sources (Google Play or App Gallery).
• 💳 In public places (metro, cafes) fraudsters can install their devices to read card data.
• Use the Find Device feature in Mi Account to lock your phone.

FAQ: Answers to Frequent Questions

Usually, the money is returned to the card within 1-3 days.