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

Paying for purchases with a smartphone instead of a physical card from Sberbank is more convenient than it seems: you don’t have to carry a wallet, risk losing plastic or enter a PIN on every transaction. Xiaomi Redmi 9, despite its budget position, supports NFC technology – which means that you can tie a Sberbank card to your phone and pay it in stores, cafes or transport. But how do you do it correctly if the model is not the newest, and services like Google Pay and SberPay are constantly updated?

In this article, we’ll look at all the current ways to contactlessly pay with Redmi 9 in 2026, including setting up through official bank apps and workarounds for regions where NFC payments are not yet universally supported. You’ll learn which service to choose (and why Mi Pay may not be suitable), how to link a card without errors, and what to do if the terminal does not accept payment from the phone.

Spoiler: Even if your Redmi 9 is bought abroad or stitched for another region, there is still a chance to set up your phone payment, the main thing is to follow proven schemes and avoid common mistakes, which we will also talk about.

Compatibility Check: Does your Xiaomi Redmi 9 NFC support?

Before you set up payments, make sure your smartphone is technically capable of conducting them.The Redmi 9 came in multiple versions, and not all of them are equipped with an NFC chip.

• 🔍 Phone Model: Go to Settings → The phone. → If there are letters in the title NFC (For example, Redmi 9 NFC), If it's just Redmi 9 (unspecified) - probably not.
• 📦 Box and documentation: There should be a clause on the sticker at the back of the box or in the specifications on the Xiaomi website NFC: Yes.
• 🛠️ Manual check: Open Settings → Connected devices → NFC. If there is no partition, there is no chip.

If NFC There's no contactless payments over the phone, but there's an alternative: QR-codes (via Sberbank Online or SberPay) We will discuss this method in one of the following sections.

⚠️ Note: Redmi 9 with custom firmware (e.g. LineageOS or Pixel Experience) NFC It may not work smoothly or support payments.Before setting up, return to the official MIUI.

Payment methods by phone instead of Sberbank card: comparison of services

On Xiaomi Redmi 9, there are three main ways to link a Sberbank card for contactless payments, each with pros and cons:

Google Pay is a universal option, but to work on Redmi 9 you need:

• 📱 Update MIUI Up to version 12.0.3 or later (check Settings) → The phone. → Version. MIUI).
• 🔄 Enable Google Play Services (they must be updated automatically).
• 💳 Sberbank card should support Tokenization technology (most modern cards are suitable).

SberPay is convenient because it does not require a separate application – payments are processed through Sberbank Online. However, it has a limitation: the terminal in the store must support the MirAccept protocol (in Russia it is ~90% of terminals, abroad – isolated cases).

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If the terminal does not accept payment from the phone, try restarting Redmi 9 and re-submitting it to the reader. NFC customized.

Google Pay is set up on Xiaomi Redmi 9

This is the most reliable way to link a Sberbank card to a phone.

1. Install the Google Pay app from Google Play (if not already installed).
2. Open the app and click Start, then select Add Card.
3. Enter the details of the Sberbank card manually or scan it with a camera. Make sure to enter the number without spaces.
4. Confirm the binding via SMS (the code will come to the number associated with the card).
5. Once successfully anchored, the card will appear in the list. Click on it and select Use by default.

You can now pay for purchases:

• 🛒 Unlock your phone (PIN, fingerprint, or Face) ID).
• 📱 Hold the top of Redmi 9 (where the antenna is located) NFC) terminally.
• ✅ Wait for the sound signal or vibration – the payment has passed.

⚠️ Note: If when adding a Google Pay card, you get an error “This type of card is not supported”, check: – The card is issued after 2018 (old cards may not support tokenization). – Online payments are not blocked in Sberbank’s settings (check Sberbank Online). → Maps. → Settings. - The phone is on NFC and Android Beam (in Settings) → Connected devices).

Included NFC|Phone unlocked.|Map added to Google Pay as the main card|The terminal supports contactless payments-->

SberPay setup: payment through Sberbank Online

SberPay is an alternative to Google Pay that works directly through the Sberbank app, with the advantage of not having to set up NFC separately, but linking the card to your account.

1. Update the Sberbank Online app to the latest version.
2. Open the application, go to the Maps section and select the desired card.
3. Slip on the SberPay icon (the icon of the wave phone) and follow the hints.
4. Confirm the binding via SMS or push notification.

To pay for the purchase:

• 🔓 Unlock the phone.
• 📱 Open Sberbank Online and select a card to pay.
• 💳 Bring your phone to the terminal – payment will be automatically.

The main disadvantage of SberPay is that you need to open the bank app every time, but this method works even on Redmi 9 without the help of the bank. NFC (through QR-codes in stores that support such payment).

Payment through QR-codes: if NFC doesn't work

If your Redmi 9 doesn’t support you NFC or payments are not made through it, you can use it QR-This method works in most supermarkets (Pyaterochka, Magnet), cafes (McDonald's, KFC) And even at some gas stations:

1. Open Sberbank Online and go to Payments → Payment by QR.
2. Put the phone camera on QR-check-in.
3. Confirm the amount and pay.

Advantages of the method:

• ✅ It works on any Redmi 9, even without it. NFC.
• ✅ No need to link a map to a Google account.
• ✅ Often gives cashback (for example, in five to 10%).

Disadvantages:

• ❌ Slower than NFC (You need to open the application and scan the code).
• ❌ Not all stores support QR-payment.

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QR-The only way to pay with your phone on Redmi 9 without NFC. But for regular purchases, it is better to buy a model with a chip (for example, Redmi Note 10).

Solving the Problem: Why Paying by Phone Doesn't Work

Even with the right setup, phone payments may not work, and consider common mistakes and their solutions:

If none of these methods worked, try:

• 🔄 Reset the settings NFC: Go to Settings. → System system → Resetting settings → Reset network settings (this won’t delete data, but will reboot the module) NFC).
• 📞 Call for support: Sberbank: 900 (Xiaomi: online chat or free call 8 800 775-35-99.

⚠️ Note: If you use Redmi 9 with root rights (root), contactless payments may not work due to a security breach. roll back superuser rights via Magisk or reflash your phone.

Payment security: how to protect money on your phone?

Paying by phone is convenient, but requires increased security.

• 🔒 Screen lock: Set a complex PIN (at least 6 digits) or pattern lock. Fingerprint or facial recognition is an additional, but not a basic, layer of protection.
• 📵 Remote Access: Enable Find Device in Google Settings, which will lock your phone or erase data if it is lost.
• 🛡️ Two-factor authentication: In Sberbank Online and Google Account, enable confirmation by SMS or through an authorizing application.
• 🚫 Screenshot ban: In Google Pay settings, turn off the option to Show notifications on the lock screen so that attackers do not see the card data.

What to do if your phone is stolen?

1. Immediately block the card through Sberbank Online (web version) or by calling 900.
2. Delete your phone data remotely via Google Find My Device.
3. Change the passwords from your Google account and Sberbank Online.

Important: If you sell or transfer Redmi 9 to another person, be sure to untie the cards in Google Pay and SberPay, and perform a factory reset (Settings → About Phone → Settings Reset).

FAQ: Answers to Frequent Questions