How to pay for purchases with Xiaomi Redmi Note 8: all ways from NFC before QR-code

Xiaomi Redmi Note 8 supports several methods of contactless payment, but not all of them work out of the box. NFC In the basic version (only in the Redmi Note 8 Pro it is by default). NFC You can pay by phone: QR-codes, banking applications or cloud wallets, and in this article we will discuss all available methods, their configuration and security nuances.

Many users mistakenly believe that payment from the phone is mandatory. NFC-In fact, Redmi Note 8 allows you to link a card to Google Pay (via virtual cards), use Mi Pay (in some regions) or scan. QR-codes through SberBank Online, Tinkoff and other applications, the main thing is to set up the system correctly and choose a reliable way to do it.

We tested all options on the Redmi Note 8 with firmware MIUI 14 (Android 11) and identified key differences, from transaction speed to bank fees, detailed instructions tailored to the Russian realities of 2026 (with sanctions and restrictions on foreign services) below).

Verification of availability NFC on the Redmi Note 8

Before you set up contactless payment, make sure your Redmi Note 8 supports it at all. NFC. In 90% of cases, the answer will be no: only the Redmi Note 8 Pro model is equipped with this chip:

Method 1: Through phone settings

1. Open Settings → Connection and Sharing → NFC.
2. If the paragraph NFC No, the chip is not physically present in the device.

Method 2: Technical specifications

Look under the lid of your phone or check the box: if there is no mention in the list of characteristics NFC, It's not possible to pay by waving, except for firmware from third-party developers (like LineageOS) that can emulate. NFC software, but it is unstable and dangerous for security.

⚠️ Note: AliExpress and other sites often sell Redmi Note 8 with the inscription «NFC» It's a hoax -- there's no module in the base model. NFC — Redmi Note 8 Pro (codenamed begonia).

If NFC If you have a chip (you own the Note 8 Pro), read on about setting up Google Pay and Mi Pay.

2. Google Pay setup on Redmi Note 8 Pro (c) NFC)

Google Pay is the most universal method of contactless payment, but since 2022 in Russia it has been working with restrictions, however, it is still possible to link the cards of some banks (Tinkoff, Alfa Bank, Raiffeisen).

Step 1: Installation and authorization

• 📱 Download Google Pay from Google Play (if the app is not available, use it) VPN).
• 🔑 Log in to the Google account linked to your phone.
• 💳 Click “Add card” and scan it or enter data manually.

Step 2: Confirmation of the card

The bank will send SMS If the card is not supported (e.g. Sberbank), an error notification will appear, in which case you can try linking the card via a virtual card of the same bank (e.g. Tinkoff offers this option).

Step 3: Set up payment by default

• 🔄 Go to Settings. → Annexes → Default applications → Payment.
• 📲 Choose Google Pay as your primary contactless payment app.

Step 4: First Payment

Hold the phone to the terminal (no more than 5 cm) and confirm the transaction with a fingerprint or PIN-If the terminal doesn't accept payment, try turning off Bluetooth, because sometimes it conflicts with the other. NFC.

Check the balance of the card|Turn it on. NFC notice-curtain|Turn it off. VPN (It can block transactions)|Unlock your phone before reaching the terminal-->

⚠️ Note: Since March 1, 2026, Google Pay in Russia officially does not support Mirror cards (MIR).If your card is issued after this date, you will not be able to link it. QR-code.

Google Pay: Mi Pay for Redmi Note 8

Mi Pay is a branded contactless payment service from Xiaomi, which operates in Russia with restrictions. The main advantage is the support of MIR cards, but only if the bank cooperates with Xiaomi (the list of partners changes, see the current information on the website mipay.ru).

How to set up Mi Pay:

1. Download Mi Pay from the Mi App Store (if it’s not on Google Play).
2. Sign up with your Xiaomi account (the same as your phone).
3. Add the map: supported Visa/Mastercard from Alfa-Bank, Tinkoff, VTB, as well as the map of the world from a limited list of banks.
4. Confirm the card via SMS or push notification from the bank.

Features of Mi Pay on Redmi Note 8:

• 🔄 It only works with NFC (That is, only on the Note 8 Pro).
• 💰 There is no commission, but some banks may charge for transactions (check in the contract).
• 🛡️ Supports tokenization (card data is not transferred to the seller).

Google Pay and Mi Pay for Redmi Note 8 Pro

Payment through QR-codes (for Redmi Note 8 without codes) NFC)

If your Redmi Note 8 doesn’t support your NFC, most reliable method of payment — QR-Most Russian banks (Sberbank, Tinkoff, VTB, Gazprombank) allow generating QR It's for shopping. It's how it works:

Method 1: Payment through Sberbank Online

• 📱 Open the application Sberbank Online.
• 💳 Go to the section "Payments» → «Payment on QR».
• 📷 Put the camera on QR-terminal code (usually pasted next to the cash register).
• ✅ Confirm the amount and enter PIN-code.

Method 2: Payment through Tinkoff Bank

In the Tinkoff app, select "Pay by" QR», Tinkoff has the advantage of instant write-off notifications and cashbacks of up to 30% in some categories.

Method 3: Quick Payment System (SBP)

Many stores (for example, Pyaterochka, Magnet) support payment through SBP.

1. Generate. QR in the Bank's annex (section "Translations» → «SBP»).
2. Show him to the cashier for the scan.
3. Confirm payment in the app.

⚠️ Attention: When paying by QR-Always check the amount in the bank application. Fraudsters can swap codes at terminals (for example, in a cafe or taxi), redirecting the payment to their account.

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Save in bookmarks browser page of your bank with a generator QR-This will speed up payment if the bank's app doesn't open.

5. Payment through bank applications (without NFC and QR)

Some banks allow you to pay for purchases directly in their apps, without scanning QR. For example:

Alpha-Click (Alfa-Bank):

• 🛒 Select “Payment in the Store” from the main menu.
• 📌 Enter the terminal number (check with the cashier).
• ✅ Confirm the amount.

VTB Online:

In the section "Payments" there is an option "Payment by phone number of the seller" (relevant for small shops or markets).

Advantages of the method:

• 🔒 Security: No need to show phone or card.
• 📱 It works even with a discharged battery (5% charge is enough).
• 💸 Often give bonuses or cashback for such payments.

Disadvantages:

• ⏳ Longer than NFC (You need to enter the data manually).
• 🏦 Not all stores support this method.

6. Cloud wallets: UMoney, WebMoney, Qiwi

If you don't have a credit card or are not supported by contactless services, you can use e-wallets. On the Redmi Note 8, they work through apps or web versions.

YuMoney (formerly Yandex.Money):

• 💰 Fill your wallet with a card or through the terminal.
• 🛍️ In stores, select the option “Payment through YuMoney” (available in some chain stores, for example, in Dixie).
• 📱 Confirm payment in the application.

Qiwi wallet:

Qiwi supports payment for the QR-The main plus is low commissions (from 0% to 1.6% depending on the store).

WebMoney:

Less popular in Russia, but suitable for payment in some online services (for example, hosting or other services). VPN).

Comparison of cloud wallets:

⚠️ Note: When paying through cloud wallets, some stores may charge an additional fee (up to 3.

7 Payment security with Xiaomi Redmi Note 8

Contactless payments are convenient but risky, and follow these rules to avoid losing money:

1. Screen lock setting

Use it. PIN-code, pattern lock or fingerprint. On the Redmi Note 8, this is configured in Settings → Screen lock. Never turn off the lock, because without it, anyone can pay with your phone.

2. Disconnection NFC public space

If you rarely use contactless payment, turn off NFC This will prevent accidental debiting (for example, if the phone is in a bag next to the terminal).

3. Verification of transactions

Turn it on. SMS-Payment notifications in the bank settings, so you will immediately know about unauthorized write-offs.

4. Use of virtual maps

Banks like Tinkoff and Alfa Bank allow virtual cards to be created for online purchases, which can be linked to Google Pay or Mi Pay, and if data leaks, it can be blocked instantly.

Update of the Software

Update regularly MIUI Older versions may have vulnerabilities that allow them to intercept payment data.

💡

The most reliable way to protect is to link a separate card with a limit to contactless payments (for example, 5,000). ₽). Even in the event of a breach, fraudsters will not be able to write off a large amount of money.

FAQ: Frequent questions about payment with Redmi Note 8