Xiaomi's modern smartphones are no longer just phone devices, they're full-fledged financial assistants. But what if you don't have a credit card and you have to pay with your phone right now? Turns out there are more options than you think, from built-in Mi Pay features to alternative payment systems.
In this article, we will analyze 7 working payment methods with Xiaomi without linking the card, including little-known life hacks with the help of the mobile phone. NFC, You'll find out which Redmi models are, POCO Xiaomi supports contactless payments without a card, how to set up each method in 5 minutes, and where these methods work in 2026, and also compare the fees, transaction speed and security level of each option.
Importantly, not all methods are universal. For example, Mi Pay without a card is only available in some countries, and payment through Google Pay requires pre-setting, and we have noted all the nuances so that you do not waste time.
1.Mi Pay without a bank card: how it works
Mi Pay is Xiaomi’s proprietary payment service, originally designed to work with bank cards, but in 2023, the company added support for mobile wallets and prepaid accounts, allowing it to use the service even without plastic.
To pay via Mi Pay without a card, you will need:
- 📱 Smartphone Xiaomi, Redmi or POCO chip-wise NFC (List of supported models below).
- 💰 Registered mobile wallet (e.g. Qiwi, WebMoney or local equivalent in your country).
- 📶 Stable Internet connection (for the first setup).
List of Xiaomi models with NFC (2020–2026: Xiaomi 13/14 Pro, Redmi Note 12 Pro+, POCO F5 Pro, Xiaomi Civi 3, Redmi K60 Pro and newer. You can check the presence of the chip in the characteristics of the device or through the command ##4636## (section "NFC").
Link a mobile wallet in the Mi Pay app|
Turn on NFC notice-curtain|
Add the service to "Quick Settings"|
Check the balance of the wallet before payment-->
⚠️ Note: Mi Pay is subject to sanctions restrictions in Russia and some CIS countries. Before setting up, check the current list of supported wallets on the official website.
2. Payment via Google Pay with virtual cards
If Mi Pay is not available in your area, the alternative is Google Pay with a virtual card binding. NFC Android version 8.0+. The main advantage: virtual cards can be replenished with cash through terminals or transfer from another account.
Step-by-step:
- Download Google Pay from Google Play Market (unless set by default).
- Open the application and select "Add payment method" → "Map".
- Instead of physical card details, specify virtual details (for example, from Tinkoff, Revolut or Pycart).
- Confirm the binding via SMS or push notification.
- Activate. NFC Put your phone in the curtain and bring it to the terminal.
| Virtual card service | Support for Google Pay | Replenishment commission | Instant translations |
|---|---|---|---|
| Tinkoff (RF) | ✅ Yes. | 0–1% | ✅ Yes. |
| Revolut (EU/RF) | ✅ Yes. | 0–2,5% | ✅ Yes. |
| Pycart (CZ/RF) | ❌ No. | 1–3% | ❌ No. |
| Qiwi purse. | ✅ Yes (via virtual map) | 0–1,6% | ✅ Yes. |
💡 Lifehack: Virtual cards from Revolut and Tinkoff allow you to create single-use numbers for each transaction, which increases the security when paying in dubious places (for example, in markets or in small stores).
Cash.|Bank card|Mobile wallet|NFC (Mi Pay/Google Pay)|Cryptocurrency-->
3. Mobile wallets: Qiwi, WebMoney, YuMoney
Mobile wallets are one of the most versatile ways to pay without a card, and they work even on Xiaomi smartphones without a card. NFC, a to replenish the balance can be in cash through terminals, transfer from a friend or bank transfer.
How to pay from your phone via mobile wallet:
- Install the wallet application (Qiwi, WebMoney, YuMoney, etc.).
- Replenish the balance in any convenient way (terminal, transfer, cash in the communication salons).
- In the store, select the option of payment through your wallet – usually this is the QR-phone-code.
- Confirm the transaction in the application (by SMS or push-notification).
Advantages of the method:
- 🔹 It works on any Xiaomi model, even without it. NFC.
- 🔹 You can link to Mi Pay or Google Pay for contactless payments.
- 🔹 Low commissions (0–2%) when replenishing through partner terminals.
⚠️ Note: When paying through QR-code in public places (cafe, subway) always check the transaction amount in the wallet application. QR-codes on their own, and the money goes to other people's accounts.
How to return money if you transferred the wrong amount? If you made a mistake when transferring via a mobile wallet, immediately contact the support of the service (for example, Qiwi — @qiwi_nedvizhimost Telegram, YuMoney, via chat in the app.
Payment through SMS and USSD-team
Few people remember, but many banks and payment systems support payment through the Internet. SMS or USSD-This method works even on a naked phone without the Internet or apps.
Examples USSD-Payment teams (relevant for Russia and CIS):
- 📱 Beeline: *145# → "Payment for goods/services" → enter the account number.
- 📱 MTS: *111*55# → select category (cafe, shops, housing and communal services).
- 📱 Television2: *155*1# → "Payments by number".
- 📱 Qiwi: Send SMS to 7494 with text OPLATA [sum].
💡 Tip: Keep the frequently used ones USSD-Contact your Xiaomi as separate numbers, for example, create a contact "Pay Beeline" with the number *145# - so you do not have to remember commands.
Limitations of the method:
- 🔸 Commission higher than when paying through applications (up to 5-7%).
- 🔸 Not all stores support this method (you need to check with the cashier).
- 🔸 Limits on the transaction amount (usually up to 5,000–15,000) ₽ day-to-day).
5.Cryptocurrency: Payment through Binance Pay and Trust Wallet
If you own a cryptocurrency, Xiaomi can be turned into a full-fledged crypto wallet. Services like Binance Pay or Trust Wallet allow you to pay Bitcoin, USDT, BNB and other coins in partner stores.
How to set up:
- Download Trust Wallet or Binance from Google Play.
- Create a wallet or log in to an existing one.
- Replenish the balance with cryptocurrency (you can buy directly in the application through P2P).
- In the store, select the option “Pay with cryptocurrency” and scan. QR-code.
Where to accept the crypt in 2026:
- 🛒 offline: KFC (select establishments, Subway, some hostels and taxis.
- 🌍 Online: AliExpress (via Binance Pay), Travala (hotel reservations), Bitrefill (phone top-up).
| Service | Supported coins | Commission | Instant translations |
|---|---|---|---|
| Binance Pay | BTC, BNB, USDT, ETH | 0,1–1% | ✅ Yes. |
| Trust Wallet | 200+ coin | Network commission | ✅ Yes. |
| Crypto.com | CRO, BTC, USDT | 0–0,5% | ✅ Yes. |
⚠️ Note: When paying with cryptocurrency, the rate may change during the transaction (especially for volatile coins like Bitcoin.
💡
If you pay with cryptocurrency often, add a Binance or Trust Wallet widget to Xiaomi’s home screen. → "Widgets" → Find the right application, so you can quickly check the course and balance without opening the program.
6 Contactless payments via Samsung Pay (for owners) POCO)
Little-known fact: some models POCO (for example, POCO F4 GT or POCO X5 Pro) supports Samsung Pay despite not being Samsung-owned, and this is possible thanks to certification NFC-chip.
How to connect:
- Download Samsung Pay from Google Play (the app should identify yours) POCO compatible).
- Sign up or sign in to your Samsung account.
- Add a virtual card (Tinkoff, Revolut) or a mobile wallet (Qiwi).
- Activate. NFC and pay as usual.
List of lists POCO, Samsung Pay compatible (tested in 2026):
- 📱 POCO F4 GT
- 📱 POCO X5 Pro 5G
- 📱 POCO F5 Pro
- 📱 POCO M6 Pro (India only)
💡 Lifehack: If yours POCO Does not support Samsung Pay, try installing the app through the APK (And this sometimes works even on non-certified devices.
7. Alternative methods: from barter to payment terminals
If none of the above methods is suitable, there are non-standard options:
1. Payment terminals with phone replenishment
At Qiwi, Elexnet, or ATMs, you can recharge your phone and then transfer your money to a wallet or virtual card, and it's a 0-3% fee, but it doesn't work with the Internet.
2. barter or exchange of services
In some communities, such as your city's Telegram chat rooms, you can exchange a good or service for something equivalent, such as repairing your phone in exchange for help around the house.
3. Payments through messengers
Telegram and Viber have built-in payment systems, and you just send money to a friend and they'll pay with a card in a store, and the fee is 0-1.5%.
4 Prepaid cards (e.g. "SberCard")
Buy a prepaid card in the salon, replenish it with cash and link it to Google Pay or Mi Pay. The cards are sold in the Svyaznoy, Euronetwork and by post.
💡
The most universal way to pay without a card is mobile wallets (Qiwi, YuMoney), which work on any Xiaomi model, do not require any payment. NFC Allows cash to be refilled through terminals.