How to set up payment phone Xiaomi Redmi Note 8T: NFC, Google Pay and Mi Pay in 2026

Xiaomi Redmi Note 8T

contactless

NFC

In this article, we will discuss all payment methods with Redmi Note. 8T: test-test NFC We will focus on compatibility with Russian banks, restrictions after the sanctions of 2022-2026 and alternative methods (for example, through SberPay or World Pay). If your phone does not recognize the terminal or gives an error when paying, here you will find solutions to the problems.

Before you go to the settings, make sure your Redmi Note is in the right place. 8T meets two key requirements:

1. Presence of the module NFC (In some regional versions, it may not be available).
2. Up-to-date version of the firmware (minimum) MIUI 12, better MIUI 13/14 for stable operation of payment services).

If you buy your phone in China or through unofficial channels, there is a chance of not having a phone. NFC above – check this in the specifications or through the settings menu.

1.Verification NFC Xiaomi Redmi Note 8T

The first step is to make sure your smartphone supports contactless payments at all. - On the Redmi Note 8T chip NFC built into the upper part of the case (near the camera), but its operation depends on the firmware and regional version of the device.

To check for the module:

1. Open Settings → Connections and Sharing → NFC.
2. If the paragraph NFC No – your model does not support the technology (e.g., the version for India or China without the technology). NFC).
3. If there is a point, but the switch is inactive - update the firmware to the latest version.

Important! Some firmware has an option. NFC It may be hidden in the settings. → Additionally. → Wireless networks. If you can't find them, search by settings (the magnifier icon in the upper right corner).

You can also check if you have NFC technical specifications:

Go to Settings. → The phone. → All characteristics|Find a line"NFC" (It should be")|Make sure the firmware version is not lower MIUI 12|Check the firmware region (should be) EEA or Global)-->

If NFC It does not work, but it does, try it:

• 🔄 Reboot the phone – sometimes the module will “hang” after the update.
• 📱 Reset network settings in Settings → System system → Resetting settings.
• 🛠️ Switching to a global version MIUI (If you have Chinese firmware).

⚠️ Attention: On the Redmi Note 8T firmware (CN) NFC It can be software-based. Solution-installation. MIUI EEA or Global via Fastboot.

2.Setting up Google Pay on Redmi Note 8T

Google Pay is the most universal method of payment by phone, but since 2022 its work in Russia is limited, however, if you have a card of a foreign bank (for example, Revolut, Wise or a bank in the CIS countries), the service will remain available.

To set up:

1. Download Google Pay from Google Play (if the app is not available in your area, use it). VPN).
2. Open the app and log in to your Google account.
3. Click Add the card and scan it or enter the data manually.
4. Confirm the binding via SMS or push notification from the bank.

After adding the map:

• 📱 Activate. NFC phone-setting.
• 💳 Select a default payment card in Google Pay.
• 🔒 Set up the screen unlocking (PIN, Fingerprint or pattern lock – without it, payment will not work.

How to pay:

1. Unlock the phone (screens with the phone) PIN print-print).
2. Bring the top of the Redmi Note 8T to the terminal (distance not more than 5 cm).
3. Wait for the vibration and the sound signal – the payment has passed.

⚠️ Note: Since 2026, Google Pay has not worked with cards of Russian banks (VTB, Sberbank, Tinkoff, etc.) due to sanctions.

3. Alternative: Mi Pay for Russian banks

Mi Pay is a Xiaomi-branded payment service that still supports cards from Russian banks (unlike Google Pay), but its functionality is limited:

• 🏦 Works only with partner banks (Sberbank, VTB, Alfa-Bank, Tinkoff, etc.).
• 💳 Does not support the World card (only) Visa/Mastercard, released 2022 year-end).
• 🌍 The region requires firmware Russia or EEA.

To set up:

1. Download Mi Pay from the App Store (if the app is missing, install it). APK from the official Xiaomi website).
2. Open the application and accept the terms of use.
3. Click Add Card and select the bank from the list.
4. Enter the card details and confirm the binding via SMS.

Features of payment through Mi Pay:

• 🔐 Requires unlocking the screen before each transaction.
• 📶 It only works when you connect to the internet (unlike Google Pay).
• 💰 Limit on one payment - up to 5,000 ₽ (bank-set).

Mi Pay may not work on custom firmware or phones with an unlocked bootloader. If payment does not pass after you tie the card, try to return the phone to the factory settings.

4. Payment via SberPay and World Pay

If you have a Mir card or you are a Sberbank customer, Google Pay and Mi Pay won't work.

• 🏦 SberPay – for Sberbank cards (Visa, Mastercard, World).
• 💳 World Pay - for any card payment system.

SberPay setup:

1. Install the SberBank Online application.
2. Sign in and go to the SberPay section.
3. Add the card following the instructions (confirmation will be required by SMS).
4. Activate. NFC Unlock the screen before paying.

Setting up World Pay:

1. Download the World Pay app from Google Play or AppGallery.
2. Register and link the World Card.
3. Turn it on. NFC and select World Pay as the default payment application.

Both services work on the same principle as Google Pay:

1. Unlock the phone.
2. Bring it to the terminal.
3. Confirm payment (SberPay may require input) PIN-map-code).

⚠️ Note: Some terminals do not support payment through the World Pay due to outdated software. If payment does not pass, ask the cashier to update the terminal firmware or use a physical card.

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If the terminal doesn’t recognize the phone, try bringing it to another part of the case (sometimes the chip). NFC Displaced closer to the camera or center).

5. Solving Contactless Payment Problems

If the payment is not working, check the following points:

Problem 1: The phone is not recognized by the terminal

• 🔋 Make sure that NFC switched on and the phone unlocked.
• 📱 Check if payment is blocked by a case with metal inserts.
• 🔄 Restart your phone and terminal (sometimes cache resetting helps) NFC).

Problem 2: The app doesn't see the map

• 🏦 Make sure your bank supports contactless payments through the selected service.
• 📲 Update your app (Google Pay, Mi Pay or SberPay) to the latest version.
• 🔒 Check if root rights or custom firmware are installed (this blocks payments).

Problem 3: Error "Unsupported device"

• 🛠️ Install global firmware MIUI (If you have a Chinese version).
• 🔄 Reset your phone settings to factory (pre-reverse your phone).
• 📋 Check if your phone is blacklisted by Google (relevant for devices with unlocked bootloader).

If nothing helps, try alternative methods:

• 💳 Use a virtual card (such as from Tinkoff or Revolut) and link it to Google Pay.
• 📱 Pay through QR-code (many banks support this option in their applications).
• 🔌 Connect your smartwatch with NFC (For example, Xiaomi Watch S3) And tie the map to them.

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If you have a Redmi Note 8T supportive NFC Payment services are not working due to sanctions, the only way out is to use a physical card or alternative methods (QR, smartwatch).

6.Security of contactless payments

Paying by phone is convenient, but requires a high level of attention to security.

• 🔒 Always use. PIN-code or biometrics to unlock the screen.
• 🚫 Do not store photos of cards in the phone gallery.
• 🔄 Regularly check the transaction history in the banking application.
• 🛡️ Include payment notifications in the bank settings.

What to do if your phone is lost or stolen:

1. Block the cards immediately through the bank application or by hotline number.
2. Delete your payment details remotely: For Google Pay: go to pay.google.com and delete your device. For Mi Pay, use Find your device in your Xiaomi account.

Find My Device

Mi Cloud

How to Protect Data on Redmi Note 8T:

• 🔐 Enable device encryption in Settings → Security → Encryption.
• 🚨 Set up automatic lock after 5 failed entry attempts PIN.
• 🔄 Update your firmware and apps regularly (especially Google Play Services).

⚠️ Attention: On the Redmi Note 8T With Bootloader Unlocked, payment services may be unable to work due to a security breach. If you unlocked your phone to install custom firmware, return the official firmware. MIUI, re-establishment NFC-payment.

7. Frequent questions and answers

8.Conclusion: Which payment method to choose?

Choosing a payment service for Xiaomi Redmi Note 8T Depends on your map and region:

• 🌍 Foreign cards (Revolut, Wise, foreign banks) → Google Pay.
• 🏦 Russian Visa/Mastercard (before 2022 year-end) → Mi Pay.
• 💳 Cards "World" or Sberbank → SberPay or the World Pay.

If your phone doesn’t support you NFC Payment services are not working due to sanctions, consider alternatives:

• 📱 Payment on QR-Code (most banks support this function).
• 💍 Smart watches with NFC (For example, Xiaomi Watch 2 Pro).
• 💳 Physical card with chip (in case the terminal does not accept the phone).

Despite the age of the model, the Redmi Note 8T It's a reliable device for contactless payments, and you need to set up services and keep an eye on updates, and if you have any questions about a particular bank or error, please write in the comments and help us figure it out!