How to pay for purchases with Xiaomi Redmi 9 instead of a bank card: the complete guide

Contactless payments via smartphone are no longer a curiosity — today it is a standard of convenience that saves time and eliminates the need to carry a wallet. Xiaomi Redmi 9 owners are often faced with the question: "Is it possible to pay with a phone instead of a card if the model does not have a phone?" NFC?" The answer is ambiguous, but there are solutions, and in this article, we'll look at all the ways that we can do it, from official services to workarounds, and how to set up payments as safely and quickly as possible.

Many people mistakenly believe that a chip is required for contactless payment. NFC (Indeed, Redmi 9 (codenamed lancelot) does not have this module, which limits the use of classic services like Google Pay or Apple Pay: QR-codes, bank payment applications, and external accessories, the main thing is to understand the nuances of each method and choose the one that suits your tasks.

Before you go to setup, make sure your Redmi 9 is updated to the latest version. MIUI (current — MIUI 14 for Android 11.This ensures compatibility with most payment services. Also check if your bank supports contactless payments through mobile apps – without this, none of the methods will work.

1.Why Xiaomi Redmi 9 is not available NFC And what to do about it.

Redmi 9 model including Redmi versions 9A, 9C, 9T) It was released in 2020 as a budget device and the manufacturer deliberately excluded the module. NFC This is a solution typical of entry-level smartphones, where basic functions like camera, battery and performance are prioritized.

Absence NFC It means you can't:

• 📱 Attach the phone to the terminal for payment (as a card)
• 🔄 Use Google Pay or Mi Pay in the classic mode
• 🚇 Pay for the subway/transport via phone (where required) NFC)

But it's not a sentence. There are at least 4 working alternatives that we'll go into further detail.

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NFC Redmi 9 is not available by default, but contactless payments are possible through the QR-codes, banking applications and external NFC-adapter.

If you are critically important feature of attaching the phone to the terminal, consider buying an external one. NFC-module (e.g., module, NFC Tag or Smart Ring or switching to a model with support NFC (For example, the Redmi Note 11 or POCO X5). But for most everyday tasks, software solutions will suffice.

Method 1: Payment through QR-codes (Sberbank, Tinkoff, VTB, etc.)

The most universal method for Redmi 9 is payment by QR-Most Russian banks support this feature in their mobile applications. The bottom line is simple: you scan. QR-code at the cash register or show your code to the cashier to write off funds.

How to set up:

1. Download the official application of your bank (for example, SberBank Online, Tinkoff, VTB Online).
2. Sign in and link your card (if you haven’t done it before).
3. In the application menu, find the section "Payment for QR" or "Payments" → "QR-code".
4. When paying in the store, select the code scanning function in the application or show your static QR (If the terminal supports such a format).

Advantages of the method:

• 💳 It works on any smartphone, even without it. NFC
• 🔒 Safe – confirmation by fingerprint or PIN-code
• 🛒 It is supported in most supermarkets (Pyaterochka, Magnet, Ashan, etc.)

Disadvantages:

• ⚠️ Internet (mobile traffic or Wi-Fi)
• 🕒 Slower than attaching a card/phone
• 🚫 Does not work in transport and at some self-service checkouts

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Save it. QR-Google Photos or Gallery code – so you can quickly show it even without the Internet (if the terminal supports static codes).

Example of payment interface in SberBank Online:

Method 2: Payment services with virtual card generation

If your bank does not support you QR-Payment or you prefer universal solutions, look at services that generate virtual cards for one-time payments:

• 🌐 Revolut (International Payments)
• 💰 YuMoney (formerly Yandex.Money)
• 🛒 PayPal (for online purchases)

How it works:

1. Install a service app (e.g. Revolut from Google Play).
2. Create a virtual map in the "Maps" section" → "Virtual card".
3. Copy its details (number, expiration date, CVV) and use for payment online or through manually entered terminals.

This method is suitable for:

• 🛍️ Online shopping (Wildberries, Ozon, AliExpress)
• 🎮 Recharges in games or services (Steam, Netflix)
• 💼 Payment for services (housing and mobile communication)

Important: Virtual cards do not replace a physical card for offline payments – they can only be used where you can manually enter details.

Method 3: External NFC-Adapters for Redmi 9

If you are fundamentally important to the ability to attach the phone to the terminal, you can buy an external NFC-These devices connect to the smartphone through a module. USB-C Bluetooth and emulate the operation of a contactless card.

Popular models of adapters:

• 🔌 NFC Ring (wearing on your finger, working via Bluetooth)
• 📱 USB-C NFC Tag (connects to the charging port)
• 💳 Smart Card Emulator (inserted into the phone case)

How to set up USB-C NFC-adapter:

Advantages:

• ✅ Full emulation of contactless card
• ✅ Works in transport (where maintained) NFC)
• ✅ Compatible with Google Pay and Mi Pay (when set up correctly)

Disadvantages:

• ⚠️ Additional expenses (from 1,500 to 5,000) ₽)
• 🔋 Battery consumption (Bluetooth modules require constant connection)
• 🛠️ There may be problems with some terminals.

⚠️ Attention: Before buying NFC-Check if the adapter supports the protocol. EMV (Cheap Chinese devices often only work with Mifare (for passes), but not with payment terminals.

5.Metho 4: Mi Pay and Google Pay – Why They Don’t Work and What to Do

Many users try to set up Mi Pay or Google Pay on Redmi 9, but they encounter a “Device not supported” error. NFC, model-less.

However, there is a workaround for Google Pay:

1. Install the Google Pay app from Google Play.
2. Add your card manually (Payment section" → "Add a map").
3. The system will offer to use the card for online payments (but not for offline payment!).

Google Pay on Redmi 9 will only work for:

• 🌍 Payment on the Internet (through a browser or applications)
• 📱 Transfers between users (if the bank supports the transfer)

Mi Pay does not work in Russia at all - the service is officially closed to Russian users from 2022.

• 🏦 Banking applications (Sberbank, Tinkoff)
• 💳 Services like SBP (Fast Payment System)

6.Contactless payment security: 5 rules for Redmi 9

Any payment method by phone requires a high level of attention to security, and follow these guidelines to avoid fraud:

Rule 1: Screen locking

Always use. PIN-A code, pattern lock or fingerprint to unlock Redmi 9 will prevent unauthorized access to payment applications.

Rule 2: Two-factor authentication

Turn it on. 2FA (two-step verification) in banking applications, for example, in Sberbank Online, this is done in the security settings: Profile → Security → Two-factor authentication.

Rule 3: Limitation on the amount

Set limits on contactless payments in the bank’s application, for example, in Tinkoff you can set a maximum amount for transactions without confirmation. SMS.

Rule 4: Verification of terminals

Before the payment QR-Make sure the terminal belongs to the store (no foreign stickers or suspicious devices) QR-cash-box.

Rule 5: Regular inspections of transactions

Turn it on. SMS-Notifications of write-offs or check the payment history in the banking application every 1-2 days, this will help you quickly detect suspicious transactions.

⚠️ Warning: Never save passwords from banking applications in Mi Account or Google Smart Lock. Use only built-in authorization methods (PIN, biometrics).

7. Frequent problems and their solutions

Problem 1: The bank's app is not scanning QR-code.

Decision:

• Check the camera permissions: Settings → Annexes → Banking appendix → Permits → Camera.
• Clear the app's cache: Settings → Annexes → Banking appendix → Memory. → Clear the cache.
• Update the app to the latest version.

Problem 2: The terminal does not accept a virtual map.

Decision:

• Make sure the terminal supports manual card entry (ask the cashier).
• Try to pay via SBP (Fast Payment System) by phone number.

Problem 3: External NFC-adapter is unrecognizable.

Decision:

• Check the adapter compatibility with Redmi 9 (must support Android 11).
• Install proprietary software from the adapter manufacturer.
• Reboot the phone after you connect.

Problem 4: Google Pay is giving you an error called “Device not certified.”

Decision:

This error is due to the absence of NFC. Google Pay on Redmi 9 will only work for online payments, not offline payments.Use alternative methods from this article.

FAQ: Answers to popular questions