How to Pay for Non-NFC Shopping on Xiaomi Phone: A Complete 2026 Guide

Have you purchased a Xiaomi smartphone without an NFC module or has it suddenly stopped working and cashless payment has become a necessity? Don’t rush to change the device – modern technologies offer a lot of alternatives. In this article, we will discuss 7 proven ways to pay with a Redmi, POCO or Mi phone without NFC, from standard solutions to little-known life hacks with MIUI.

It is important to understand the absence NFC-The main thing is that when you have a chip, you don't have contactless payments, because manufacturers and banks have adapted the infrastructure for this kind of thing, and the main thing is to set up the system and choose a reliable method, and we analyzed the current services (May 2026 data), tested them on Xiaomi models. 13T, Redmi Note 12 and POCO X5 Pro, and are ready to provide clear instructions taking into account regional features (Russia, CIS, Europe).

1. Payment through QR-Codes: The most universal method

QR-The codes have become the de facto standard for payments without NFC. They are supported by almost all modern terminals, from supermarkets to small shops, and on Xiaomi, it works through banking applications or specialized services like SBP (Fast Payments System).

How to set up:

• 📱 Install the official application of your bank (SberBank Online, Tinkoff, VTB, etc.).
• 🔗 In the application settings, activate the option "Payment by QR" (Usually found under the "Payments" or "Cashless Payment" section").
• 🛒 At the cashier, select the option "Payment by payment" in the terminal QR", scan the code through the banking application and confirm the payment.

Benefits of the method: works on any Xiaomi model (including Redmi) 9A and POCO M3), No need to have internet on your phone (QR It is downloaded in advance, supports cashback, and minuses - not all terminals abroad accept Russian ones. QR-codes (in Europe, more often used Apple) Pay/Google Pay).

2. Mobile banking applications with code generation

Many banks offer an alternative to NFC, which is generating one-time payment codes directly in the app, which works even on phones without a camera (the code can be entered manually).

Payment algorithm:

1. Open the banking application and generate the code (usually 2-5 minutes).
2. At the checkout, select the option "Payment by code" (sometimes called "No card").
3. Enter the 6-digit code from the phone screen at the terminal.
4. Confirm the operation in the application (sometimes you need to enter) PIN-credit card).

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If the terminal does not find the code payment function, ask the cashier to manually select from the menu "Payment without a card" or "Alternative methods".

3. Cloud Wallets: Google Pay without NFC

Many people mistakenly believe that Google Pay works only with the NFC. In fact, the service supports virtual cards for online payments and generation. QR-This is true for Xiaomi owners on the MIUI 12+.

Instructions for setting:

1. Install Google Pay from Google Play.
2. Add your bank card to the service (Mastercard, Visa, MIR cards are supported).
3. In the Google Pay settings, activate the Payment via QR option (Payment Methods section).
4. When paying, select “Generate QR” in Google Pay and show it to the cashier.

An important nuance: not all banks support this feature in Google Pay, which was stable with Tinkoff, Alfa Bank and Raiffeisenbank cards at the time of testing (May 2026), to check the compatibility of your card:

Google Pay Settings → Maps → [Your Card] → Details

4.Speed Payments (SBP) for Xiaomi

The Bank of Russia’s SBP is a free service for phone number transfers and payments, and many terminals in Russia now support SBP payments, making it the perfect solution for Xiaomi without NFC.

How to connect and use:

• 📲 Install the SBP application (official) or use the SBP-supported banking application (SberBank, VTB, Post Bank, etc.).
• 🔄 Link your phone number to the system (confirmation will be required via SMS).
• 💳 At the cashier, select the option "Payment through SBP" → enter the phone number → Confirm payment in the banking application.

Advantages of BPS:

• ⚡ Instant transfers without commission (up to 100,000) ₽ monthly).
• 🔒 High safety (confirmation of the SMS or biometrics).
• 🌐 It works for all Xiaomi models, including the MIUI Global.

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SBP is the only payment method without NFC, which is guaranteed to work at all terminals in Russia that support contactless payments (according to the Bank of Russia for 2026).

5. Alternative payment systems: Mir Pay and others

If you use a MIR card, you have access to Mir Pay, the official contactless payment service, although it was originally designed to be a "contactless" card. NFC, In 2023, support was added. QR-payment and payment by code.

Setting up Mir Pay on Xiaomi:

1. Download Mir Pay from AppGallery or Google Play.
2. Add a map of the world (requires 3D-Secure confirmation).
3. In the settings, enable the option of Payment by QR.
4. When paying, select Mir Pay to "Generate Code" or "Show QR".

For other payment systems:

• 🇪🇺 In Europe: Klarna or PayPal (generation) QR via).
• 🇨🇳 In China: Alipay or WeChat Pay (requires a Chinese phone number).
• 🌍 Universal: Revolut or Wise (virtual cards) + QR).

Tie the map of the world|Activate QR-pay-off|Check the balance of the card|Update the application to the latest version-->

6. Hidden MIUI features for payments

MIUI has built-in tools that can make it easier to pay without NFC, such as Quick Payments in MIUI 14+, which allows you to link bank cards directly to the system and pay via QR.

How to activate:

1. Go to Settings → Memory and payments → Quick payments.
2. Click "Add card" and follow the instructions (you will need a photo of the card or manual data entry).
3. After linking the card, activate the option "Show QR for payment".
4. Now you can generar. QR-code to pay directly from the notification panel (swipe down) → Icon "Payments").

Another useful tool — MIUI Pay (not available in all regions) is Xiaomi’s own payment solution that works by generating dynamic payments. QR-To check for the codes:

Settings → Additional → MIUI Pay

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If you don’t have MIUI Pay in your region, try changing your phone settings to “India” or “China” (Settings → Additional → Region), and then you may have access to hidden payment features.

7 Security of payments without NFC: what you need to know

Paying without NFC has its own risks that are important to consider.

⚠️ Attention: Never show QR-The code is used to pay for the outsider, and the fraudsters can take a picture of it and write it off. Generate a new code for each transaction.

Basic rules:

• 🔐 Use only official bank apps (check the developer on Google Play).
• 📵 Turn off autocomplete passwords for payment services (Settings) → Passwords. → Auto-filling).
• 🛡️ Enable two-factor authentication in banking applications (SMS + biometrics).
• 📱 Update regularly MIUI (Settings → The phone. → Updating the system).

If the phone is stolen:

1. Block your cards immediately via an online bank or hotline.
2. Use the Find Device feature from Xiaomi (i.mi.com) to remotely lock.
3. If payment services (Google Pay, Mir Pay) were linked, remove the device from the list of trusted services in your account settings.

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The safest way to pay without NFC — disposable QR-codes or codes in banking applications. Avoid saving card data in a browser or third-party services.

FAQ: Frequent questions about NFC-free payments on Xiaomi