How to pay for purchases with Xiaomi Redmi 9T instead of Sberbank card: all ways of 2026

Paying for purchases with a smartphone instead of a physical card from Sberbank on the Xiaomi Redmi 9T is more convenient than it seems. This budget device supports all modern contactless payment technologies, from Google Pay to the branded Mi Pay, and since 2023 it has also officially worked with SberPay. But to work smoothly, you need to properly configure NFC, tie the card and take into account the nuances of a particular bank.

In this article, we will analyze all available methods of payment by phone on Redmi. 9T (model M2010J19SG), We compare them in terms of speed, security and limitations, and we also give a checklist to eliminate typical errors such as “the terminal does not see the phone” or “the transaction is rejected.” Mastercard/Visa, since the sanctions 2022–2026 year-round.

1. Compatibility Check: Does your Redmi 9T support contactless payments?

Before you set up your phone payment, make sure your device is physically capable of working with NFC and contactless terminals.The Xiaomi Redmi 9T came in a number of modifications, and not all of them come equipped with the required chip.

Here are the key points:

• 🔹 NFC-chip: present in all versions of Redmi 9T (including global and Russian builds, you can check its availability in the settings: → Connected devices → NFC. If there is no point, the chip is missing (this happens in some regional versions).
• 📶 Android Version: Google Pay and SberPay require Android 10+ with the latest security updates. 9T box-stuff MIUI 12 is based on Android 10, but for stable payment operation, it is recommended to upgrade to MIUI 14.
• 💳 Sberbank card type: from 2026, Mastercard and Visa from Sberbank are linked to the phone only through SberPay (Google Pay does not support them.

If NFC is in the settings but not enabled, try resetting the network settings: Settings → System → Settings Reset → Resetting the settings of Wi-Fi, mobile network and Bluetooth. This often solves the problem with the “gray” NFC switch.

2. Method 1: Google Pay - a universal option for maps "World"

Google Pay (now Google Wallet) is the most common contactless payment service on Android, and it works steadily on Redmi 9T, but with reservations:

• ✅ Supports Mir cards from Sberbank (and other banks).
• ❌ Not working with Mastercard/Visa Sberbank (Google's restriction on the 2022 year-end).
• 🔒 Requires unlocking your phone before paying (PIN, faceprint ID).

Step-by-step instructions for setting up:

1. Download Google Wallet from Google Play.
2. Open the app and click “Add Card” → “Credit or debit card”.
3. Scan the Mir card or enter the data manually. Sberbank will send an SMS with a code to confirm it.
4. After adding the card, activate NFC in your phone settings (Settings → Connected Devices → NFC).

To pay for your purchase, unlock your phone, hold it to the terminal (no more than 5 cm away) and wait for the vibration.

• 📵 NFC plugged in and not blocked by the cover.
• 🔋 Battery level above 5% (at low charge) NFC may be off).
• 🛒 The terminal supports contactless payments (it must have the PayPass logo or PayWave logo on it).

3. Method 2: SberPay - the official solution for Sberbank cards

SberPay is Sberbank’s signature contactless payment service that works even with a locked screen (unlike Google Pay), with the main advantage of supporting all types of Sberbank cards, including Mastercard, Visa and Mir.

How to set up:

1. Install the SberBank Online app (update to the latest version).
2. Sign in and go to the “Payments” section» → «SberPay».
3. Press "Connect" and select the map to link. Confirm the operation by SMS.
4. In your phone settings, activate NFC and install SberPay as the default application for contactless payments (Settings → Applications → Default → Contactless Payments).

Features of use:

• 🔓 Works without unlocking the screen (it is enough to press the power button twice).
• 💰 Limit per transaction – up to 100,000 ₽ (depends on the bank's settings).
• 📱 Supports payment in transport (Metro, MCC, suburban trains).

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If SberPay does not work in the subway, check if the option “Transport” is enabled in the card settings in the SberBank Online application.

Important: If you have two SIM cards in Redmi 9T, SberPay may conflict with mobile banking, in which case temporarily disable the second SIM card or reboot the phone.

4. Method 3: Mi Pay – a proprietary service from Xiaomi

Mi Pay is Xiaomi’s alternative to Google Pay, which works with Mir cards and some foreign banks, but since 2023, the service has not supported Mastercard/Visa from Russian banks, including Sberbank.

Instructions for setting:

1. Install Mi Pay from Google Play (the app is pre-installed on some of Redmi 9T’s firmware).
2. Open the app and click "Add map".
3. Select Sberbank and enter the details of the Mir card, and the confirmation will be sent via SMS.
4. Activate NFC and install Mi Pay as the default payment app.

Advantages and disadvantages:

Mi Pay is often blocked by antivirus software (such as Dr.Web or Kaspersky) due to suspected data breaches. If payments fail, temporarily disable the antivirus or add the app to exceptions.

5. Typical errors and their solutions

Even when set up correctly, contactless payments may not work, and here are the most common problems and ways to fix them:

1.The terminal doesn't see the phone

• 🔧 Check that NFC It is included and not blocked by a metal cover.
• 📱 Reboot your phone – sometimes the module NFC «hanging».
• 🛒 Try bringing the phone to the terminal by the other side (some terminals only read the signal from the top of the phone).

2.Transaction rejected by bank

• 💳 Make sure there is enough money on the card (including contactless payments limit).
• 📵 Check if the bank is blocking the geolocation operation (for example, if you are abroad).
• 🔄 Try to link the card again – sometimes the data gets lost after updating the application.

3.The application does not see the card of Sberbank

• 🔄 Update the SberBank Online or Google Wallet app to the latest version.
• 📋 Check that the card is not blocked and supports contactless payments (check with the bank).
• 🌐 If you use VPN, Turn it off – some banking services block access from abroad.

6. Comparison of methods: which one to choose?

The choice of contactless payment service depends on your card type and priorities:

For the maps "Peace":

• 🔹 Google Pay – if you want to be universal and pay in foreign stores (where accept “the World»).
• 🔹 Mi Pay – if you prefer Xiaomi branded solutions and use transport often.

For Mastercard/Visa of Sberbank:

• 🔹 SberPay is the only working option to date.

For maximum speed:

• 🔹 SberPay – Payment without unlocking the screen.

For safety:

• 🔹 All three services use tokenization (virtual card numbers), so your card details are not shared with the seller.

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If you have multiple Sberbank cards, link them to different services, such as the Mir card to Google Pay, and Mastercard to SberPay, which will increase the chances of successful payment at different terminals.

7.Security: How to Protect Payments from Fraudsters

Contactless payments via phone are more reliable than a physical card, but require compliance with the following rules:

What to do:

• 🔒 Install. PIN-code or pattern lock to unlock the screen.
• 👆 Enable two-factor authentication in the bank app.
• 📱 Update regularly MIUI and payment applications.

What to avoid:

• 🚫 Do not store cards in the phone gallery.
• 🚫 Do not connect your phone to public Wi-Fi during payments.
• 🚫 Don’t use jailbreak or root rights – this blocks contactless payments.

If the phone is stolen:

1. Block your cards immediately via Sberbank Online or at 900.
2. Remove the device from the list of trusted in Google Account (link).
3. Restore access to your Mi Account if you have used Mi Pay.

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In SberPay settings, you can set a limit on payments without confirmation, for example, up to 1,000. ₽ — without SMS, above--with confirmation.

FAQ: Answers to Frequent Questions