How to pay for purchases from Xiaomi Redmi phone without a bank card: all ways 2026

Why Paying Without a Card Is Relevant for Redmi Owners

Xiaomi Redmi Android phones offer dozens of contactless payment options, but most users are still tied to physical bank cards. Meanwhile, paying directly from their phone or through alternative services is often more profitable: no cashing fees, instant transfers between wallets, anonymity when shopping online.

- lost or has not yet issued a bank card;

- wants to distinguish between personal and work expenses;

Travels abroad where local banks block foreign cards

- prefers cryptocurrency or electronic money (Qiwi, WebMoney).

In this article, we will understand 7 Proven payment methods with Xiaomi Redmi (on the example of Redmi Note models) 12/13, Redmi 10C/11 and the Redmi flagships K60) All methods tested on the map are MIUI 14 Android 13/14, with regard to the limitations of Russian and international payment systems in 2026 year.

1. Google Pay with virtual cards or direct debit from the account

Google Pay remains the most versatile contactless payment tool on Xiaomi, even if you don’t have a physical card.

• 💳 Virtual Bank Cards (Tinkoff, Sberbank Online, Alpha-Click);
• 💰 Direct debit from the bank account (available in Sberbank and VTB);
• 🔄 Linking e-wallets (Qiwi, YuMoney through partner banks).

To set up payment without a card:

1. Open the Google Pay app (if not, download from Google Play).
2. Click on “Add payment method» → «Bank Account or Virtual Card».
3. Select a bank from the list (for example, SberBank) and log in through SberBank Online.
4. Confirm the binding via SMS or push notification.

And then you can attach it to the terminal, and you can debit it from your account or virtual card. NFC (Note 11 Pro models+, K50 Payment works even when the screen is turned off, if the “Fast Payment” function is enabled in the settings NFC.

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If the terminal does not accept Google Pay, try restarting your phone or enabling Card Emulation in your settings. NFC (Settings → Connected devices → NFC → Additionally).

2. Mi Pay: Xiaomi’s official wallet for Russia and CIS

Mi Pay is a Xiaomi-branded payment service that was originally developed for the Chinese market, but now partially operates in Russia. MIUI: wallet is sewn into the system and does not require a separate application.

To top up Mi Pay without a card:

• 🏦 Through SberBank or Qiwi terminals (select "Payment for Services» → «Electronic money» → Mi Pay);
• 💱 Exchange of cryptocurrency (via Binance) P2P bybit);
• 🤝 Transfer from another user Mi Pay (by phone number).

Instructions for setting:

1. Open the Wallet app on Redmi.
2. Select “Mi Pay” and register (you will need to attach a phone number).
3. In the Replenishment section, select a convenient way (for example, via Qiwi).
4. Turn on the pay in the stores NFC Choose Mi Pay as a payment method.

⚠️ Note: On models Xiaomi Redmi without NFC (Like Redmi. 10A or Redmi 9C) Mi Pay only works for online payments, not contactless in-store payments.

3. Payment through SberPay and other banking services

If you have an account in Sberbank, VTB or Tinkoff, but do not have a physical card, you can use their proprietary payment systems:

To activate SberPay on Xiaomi Redmi:

1. Install the SberBank Online application.
2. Sign in and go to the “Playing by phone” section.
3. Choose an account to write off (not necessarily a card account).
4. Confirm the binding. SMS.

And then you can attach it to the terminal, and you can write it off directly from the account. SberPay works for all Redmis. NFC (including Redmi Note 10 Pro, Redmi K40 newer).

Sberbank|VTB|Tinkoff|Alfa-Bank|Other|Not using.-->

4. E-wallets: Qiwi, YuMoney, WebMoney

Electronic payment systems allow you to pay for purchases online and offline without a bank card, and on Xiaomi Redmi you can use them through:

• 🛒 NFC-terminals (via Qiwi or YuMoney virtual cards);
• 🌐 Online payments (binding the wallet to the account in stores);
• 📱 QR-codes (in cafes, taxis, supermarkets).

Step-by-step instructions for Qiwi Wallet:

1. Download the Qiwi app from Google Play.
2. Register and top up your balance (via a terminal, a transfer from another user or a cryptocurrency exchange).
3. In the “Maps” section, release a virtual Qiwi card (free).
4. Add it to Google Pay or use it to pay by QR.

YuMoney (formerly Yandex.Money) also supports virtual cards, but their issuance will require passport verification. WebMoney is suitable for international payments, but requires more complex configuration.

⚠️ Note: Qiwi and YuMoney virtual cards are often blocked by foreign services (for example, Netflix or Steam.

5.Cryptocurrency: Bitcoin, USDT, Toncoin

If you own a cryptocurrency, Xiaomi Redmi can be turned into a full-fledged crypto wallet.

• 💎 Binance Pay (accepted in MVideo, Messenger, some cafes);
• 🔗 TON Space (a wallet for Telegram, supports) USDT and Toncoin);
• 📱 Trust Wallet or MetaMask (for payment in decentralized services).

How to set up Binance Pay:

1. Download the Binance app and go through verification.
2. Replenish the balance with cryptocurrency (for example, BTC or USDT).
3. In the “Binance Pay” section, generate QR-payment-code.
4. Show me. QR cashier or scan the seller's code for transfer.

To pay through TON Space:

1. Open Telegram and find the bot @wallet.
2. Follow the instructions for creating a wallet.
3. Replenish the balance of Toncoin or USDT-T-T-T-T-T-T-T-T-T-T-T-T-T-T-T-T-T-T-T-T-T-T-T-T.
4. Use the “Pay” function in the bot for transfers to sellers.

Install Trust Wallet or Binance|Replenish the balance with stable coins (USDT, USDC)|Check the support of crypto from the seller|Save the backup phrase of the wallet-->

6. Payment through the telecom operator (MTS, Beeline, Tele2)

Mobile operators offer the service “Payment from the account of the phone”, which allows you to pay for purchases directly from the balance SIM-This method is suitable for maps:

• 🛒 Shopping in Five, Magnet, Dixie;
• 🚖 Taxi (Yandex Go, Citymobil);
• 🎮 Recharges in games (Steam, PlayStation Network).

How to activate payment from the MTS balance:

1. Send. SMS textual BALANCE 111.
2. Confirm the connection of the service "MTS Money".
3. When paying in the store, select “Payment by phone bill” and enter the number.

Limitations:

• Maximum payment amount – 1000-3000 ₽ (depends on the operator).
• Commission – 5-10% of the amount.
• It does not work for international payments.

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Payment from the phone balance is convenient for small purchases, but due to high fees, it is not profitable for regular use.

7. Alternative methods: barter, transfers, gift cards

If none of the above methods are suitable, consider:

• 🎁 Gift cards (Amazon, Ozon, Steam);
• 🔄 Exchange services (e.g., exchange Qiwi for Bitcoin via BestChange);
• 🤝 Transfers between users (via Telegram, VK Pay).

To purchase gift cards without a bank card:

1. Use Qiwi or SberBank terminals (Gift Cards section).
2. Refill the balance VK Pay through the communication salons and buy a card in VK.
3. Exchange cryptocurrency for gift cards on sites like Bitsmedia.

Gift cards have the advantage of anonymity and no fees, and the disadvantage is that they are limited to the shops that accept them.

FAQ: Frequent questions about payment without a card on Xiaomi Redmi