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

Contactless payments via a smartphone have long ceased to be a curiosity, but owners of budget Xiaomi models still face questions: 9 instead of a Sberbank card?, "Which way is safer - Google Pay or Mi Pay?", "Why does the terminal not see the phone?". This article will examine all the current methods of payment with a Xiaomi Redmi smartphone. 9 (including versions of Redmi 9A/9C/9T), their pros and cons, and will give clear instructions for setting up.

We tested all the ways on firmware. MIUI 12–14 and identified key nuances: from the requirements to the NFC-For example, in 2026, Sberbank officially supports Google Pay on Redmi 9, but Mi Pay will require a workaround solution through virtual cards. You will also learn how to check the compatibility of your terminal with different payment systems and what to do if payment does not pass.

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1. Technical Requirements Check: Is there an NFC in your Redmi 9?

Before you set up payments, make sure your smartphone supports contactless technology.Redmi 9's lineup is ambiguous:

• ✅ There is. NFC: Redmi 9T (model M2010J19SG), Redmi 9 Power (in some regions) chip built into antenna next to camera.
• ❌ No. NFC: Redmi 9A, Redmi 9C, base version of Redmi 9 (M2003J15SS). Payment by phone is impossible without additional accessories.

To check for NFC:

1. Open Settings → Connection and Exchange → NFC.
2. If you don't have a point, your model doesn't support the technology: NFC-sticker (stands) ~300₽, stain).

⚠️ Attention: Even if NFC Some terminals (especially older ones) may not accept payment from Xiaomi phones due to protocol limitations. HCE. Before setting up, check compatibility on the Sberbank website or in support of Google Pay.

2. Method 1: Google Pay – a universal solution for Sberbank cards

Google Pay (now Google Wallet) is the most reliable way to tie a Sberbank card to Redmi 9. It works on all models with NFC and Android 8.0+.

• 🔒 Security: Card data is not stored on the phone, but is replaced by a virtual number.
• 🌍 Universality: accepted in 90% of terminals in Russia (including metro and supermarkets).
• 💳 Instant Addition: Sberbank cards are tied in 2 minutes.

Step-by-step:

1. Download Google Wallet from the Play Market.
2. Open the app and click Add Card → Credit or debit card.
3. Scan the card of Sberbank with a camera or enter the data manually.
4. Confirm the binding via SMS from Sberbank (the code will come to the number tied to the card).
5. Set a lock screen (PIN, pattern lock or fingerprint) – without it, the payment will not work!

⚠️ Note: If the terminal gives an error "Card is not supported", try it:

• Reboot the phone and terminal.
• Disable VPN (some banks block payments when using it).
• Ask the cashier to switch the terminal to Contactless mode (sometimes there is a card-only mode).

3. Method 2: Mi Pay - an alternative for owners of Redmi 9T

Mi Pay is a branded contactless payment service from Xiaomi, working through the Mi Wallet app. Supports Sberbank cards, but with reservations:

How to set up Mi Pay:

1. Install Mi Wallet (not available in all regions).
2. Register with your Mi Account (required!).
3. Go to the Maps. → Add a card and select a virtual card of Sberbank (no physical card can be added!).
4. Confirm the binding via SMS.

💡 Useful tip: If Mi Pay does not find your Sberbank card, create a virtual card in the Sberbank Online application (Cards section) → Virtual card and link it to Mi Pay.

4. Method 3: Sberbank Online + Samsung Pay (for owners of smart watches)

If you don’t have NFC on your phone, but you have a Xiaomi Mi Band or Amazfit smartwatch, you can pay through them by linking your Sberbank card to Samsung Pay (yes, it works!).

1. Install Samsung Pay on Redmi 9.
2. Attach the card of Sberbank (similar to Google Pay).
3. Sync Samsung Pay with the watch through the Wear OS or Mi Fit app.
4. Pay by bringing the clock to the terminal (NFC in the watch should be on!).

⚠️ Note: This method does not work on all watch models. Check compatibility on the manufacturer's website before setting up. For example, Mi Band 6 does not support payments, and Amazfit does. GTR 3 - Supports.

5. Problem Solving: Why is it that phone payments are not being made?

Even with the right setup, the pay may not work, and let's look at the typical mistakes and their solutions:

• 🚫 Device Not Certified Error: Install the latest version of Google Services Framework and restart your phone.
• 🔋 Phone is low: Contactless payments require at least 10% charge. NFC shut down.
• 📶 No internet: Google Pay is offline, but you need internet for the first payment.Mi Pay doesn't work without a network at all.
• 🛒 Terminal does not accept phone: Ask the cashier to restart the terminal or pay from 100₽ (Some terminals block small payments from phones).

🔧 Diagnostics of problems:

1. Check if NFC is enabled: ##4636## → "NFC Testing."


2. Make sure that the card is not blocked (call Sberbank: 900).




3. Update Redmi 9 firmware to the latest version of MIUI (settings → About Phone → System Update).

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If the terminal produces an error "Unknown card", try to link the card to another wallet (for example, switch from Mi Pay to Google Pay), most often the problem is incompatibility of protocols.

6. Methods comparison: which one to choose for Redmi 9?

The choice of method depends on the phone model and your priorities:

💡 Recommendation: For most Redmi 9 users, Google Pay is the best option – it is faster, more reliable and works with physical cards of Sberbank. 9T And you prefer the Xiaomi ecosystem. The clock is relevant for those who don't. NFC phone-on.

7.Security: How to protect payments from fraudsters?

Contactless payments are convenient but require a high level of security.

• 🔐 Always lock the screen. PIN-If you don't lock it, you can't pay by phone.
• 📱 Do not install hacked firmware (for example, customized firmware) ROM). They can disrupt Google Play Protect, which will result in a payment block.
• 🛡️ Include payment notifications in the Sberbank application (Settings section) → Notifications).
• 🚨 Turn it off. NFC, When you are not using it (in settings or through the notification panel) this will prevent accidental debiting.

⚠️ Warning: Fraudsters can use scanners NFC in public places (metro, cafe) to read map data:

1. Use an NFC shield case (sold on AliExpress).
2. Turn off the NFC after payment.
3. Set a limit on contactless payments in the application of Sberbank (maximum 1 000)₽ once).

FAQ: Frequent questions about payment with Xiaomi Redmi 9