How to pay for purchases from the phone Xiaomi Redmi 10 without a bank card: 5 working ways

Modern smartphones have long turned into full-fledged payment tools, but what to do if you do not have a bank card, and you need to pay urgently? Owners of Xiaomi Redmi 10 (and other Android models) can use at least 5 alternative ways - from built-in Mi Pay services to mobile wallets and even cryptocurrencies. The main thing is to set up the system correctly and choose the best option with minimal fees.

In this article, we will discuss all current payment methods without a card binding, including hidden features. MIUI, Bypassing bank restrictions and security nuances, you'll learn how to tie a SBP, use it. QR-And then we'll compare the fees and the speed of the transfers in the table, so you can choose the most profitable way.

All instructions are tested on Redmi 10 with MIUI 14 (Android 12/13), but will be suitable for other Xiaomi devices on similar firmware versions. If your phone is running on an older version, update the software via Settings → About Phone → System Update to avoid problems with payment service compatibility.

1.Mi Pay: A built-in wallet from Xiaomi

Mi Pay is Xiaomi’s proprietary payment service that initially supports bank card binding, but also allows you to top up your balance through other sources, with the main advantage of system-level integration: payment is made in one click via Quick Settings (swipe down from the top edge of the screen).

To use Mi Pay without a card:

• 📱 Install Mi Pay from Google Play (if it’s not available by default).
• 💳 In the “Wallet” section, select “Replenish” and specify the source: SBP, Qiwi, YuMoney or transfer from another account.
• 🔒 Confirm your personal data (passport is required for verification).
• 🛒 For payment in the store: unlock your phone, swipe down the notification panel and tap the Mi Pay icon.

⚠️ Note: Mi Pay is limited in Russia, with some banks blocking transfers to the wallet. If the deposit fails, try linking a virtual card to Tinkoff or SberBank Online (even if there is no physical card).

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If Mi Pay doesn’t show up in quick settings, add it manually: Settings → Control Panel → Add Tiles → Mi Pay

2.Google Pay with virtual cards

Google Pay officially requires a credit card link, but there is a workaround: using virtual cards from services like Revolut, Paysend or Tinkoff. These cards are issued free of charge, do not require a physical media and are linked to a Google Account in 5 minutes.

Instructions for setting:

1. Download the virtual bank app (such as Tinkoff) and sign up.
2. In the Cards section, release a virtual card (usually called an option called “Additional Card” or “Virtual”).
3. Open Google Pay, tap “Add Card” and enter the virtual card details.
4. Confirm the binding via SMS or push notification from the bank.

After that, you can pay with your phone at NFC-enabled terminals (just bring Redmi 10 to the reader). Virtual cards are often issued with cashbacks of up to 5%, which is more profitable than conventional debit cards.

3. Mobile Bank and SBP (Fast Payment System)

If you have a bank account but do not have a physical card, you can use the Quick Payment System (SBP) through the SberBank Online, VTB Online or Tinkoff applications. QR-code without commission (up to 100 000) ₽ monthly).

How to pay via SBP on Xiaomi Redmi 10:

• 🏦 Install your bank’s application and log in.
• 🔍 Find the “Payments” or “Transfers” section» → Choose "Po" QR-code" or "by phone number».
• 📱 Scan it in the store. QR-terminal code or enter the seller's phone number.
• 💰 Confirm the translation SMS or fingerprint (if biometrics are configured).

⚠️ Note: Some stores (such as Magnet or Pyaterochka) support payment directly via SBP in their applications. Check with the cashier if you can pay by phone number - this will save time.

Payment through QR-messenger

Messengers like Telegram, VK Pay or WhatsApp allows you to transfer money over the Internet QR-This method is convenient for transfers between individuals (for example, friends) or in small stores where signs with a sign are installed. QR.

Step-by-step instructions for VK Pay (works without commission up to 50 000) ₽ monthly):

1. Open VK → go to the “Payments” section (wallet icon).
2. Tap “Pay by QR” and scan the seller’s code.
3. Enter the amount and confirm the transfer with a password or fingerprint.

Telegram will require a bot @Wallet (the official service from the Telegram team), the fee is minimal (0.5-1%), but requires a card or crypto wallet binding, the alternative is CryptoBot for transfers to USDT or BTC.

Install the latest version of the app | Check wallet balance | Enable notifications to confirm payments | Save backup of chat with the bot (if Telegram is used)

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5. Cryptocurrency: Payment in USDT, BTC and other coins

If you own a cryptocurrency, Xiaomi Redmi 10 can be used for payment through specialized applications like Binance Pay, Crypto.com or Trust Wallet. The main advantage is the absence of geographical restrictions and low fees (from 0.1%).

How to set up:

• 📲 Install Trust Wallet or Binance from Google Play.
• 🔑 Create a wallet or import an existing one (save the seed phrase in a safe place!).
• 💱 Refill the balance through P2P-platform (e.g. buy) USDT for rubles from a verified seller).
• 🛒 In the store, select the option “Pay with crypto” and scan. QR-terminal code.

⚠️ Attention: Cryptocurrency transfers are irreversible! Always check the recipient's wallet address and dollar amount (the rate can fluctuate greatly.

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Cryptocurrency is beneficial for international payments, but requires an understanding of market risks, and for everyday purchases in Russia, it is better to use SBP or Mi Pay.

Comparison of payment methods: commissions and restrictions

To choose the best method, compare the key parameters in the table. Note that the commissions can change - always check the current data on the service sites.

For most users of Xiaomi Redmi 10, the best option is a combination of SBP (for stores) and Google Pay with a virtual card (for terminals), which is suitable for those who often pay abroad or invest in digital assets.

FAQ: Frequent questions about paying without a card