How to pay with a phone without NFC on Xiaomi Redmi: step-by-step instructions and alternative methods

Module NFC It has become the standard for contactless payments, but many Xiaomi Redmi models (e.g. Redmi) have been introduced. 9A, Redmi 8 or Redmi Note 7 were released without this feature. This does not mean that owners of such smartphones do not have convenient ways to pay from the phone. QR-codes before using cloud wallets that will replace NFC And they will pay you as quickly as possible.

The main problem for users without NFC is that they can't touch the terminal with their phone, like Google Pay or Mi Pay. However, today's payment systems offer solutions that bypass this limitation. We tested each method on Xiaomi Redmi with MIUI 12-14 and collected step-by-step instructions, including the nuances of settings and security. Importantly, some methods require stable Internet, while others work offline - choose the right one for your tasks.

1. Payment through QR-How it works on Xiaomi Redmi

The most universal way to pay without NFC — scan QR-Most stores, from supermarkets to small cafes, support this technology. You just have to install a banking app or a payment service that generates it. QR pay.

Xiaomi Redmi is suitable for this:

• 💳 Sberbank Online - generates QR Payment at the Sber and Partners terminals.
• 📱 Tinkoff Bank - Supports QR-payments in stores with Tinkoff terminals.
• 🔄 Yandex Wallet - works with QR-codes in Yandex.Cash and some offline stores.
• 🌍 PayPal – suitable for payment in foreign online stores through QR.

How to do this:

1. Open the bank application (for example, Sberbank Online).
2. Select the "Payment" section or «QR-payment».
3. Put the phone camera on QR-terminal-code.
4. Confirm payment by SMS or fingerprint.

⚠️ Attention: Some shops are QR-For example, in "Pyaterochka" Tinkoff may not work if the terminal is configured only to SberBank. Before paying, check with the cashier what systems are supported.

The advantage of the method is that it works on any Xiaomi Redmi model, even the oldest, and the disadvantage is that it requires the Internet (although some banks, such as SberBank, cache data for offline payment).

2. Cloud Wallets: Google Pay and Mi Pay without NFC

Many people think that Google Pay and Mi Pay only work with NFC, but they don't, and they support virtual cards that can be linked to other payment systems, such as online or QR.

How to set up:

1. Install Google Pay from the Google Play Market.
2. Add your bank card to the application (Visa, Mastercard, World are supported).
3. In the card settings, select “Pay via QR” or “Use online”.
4. When paying in the store, show the cashier generated QR-code from Google Pay.

Mi Pay in Russia is not officially supported QR-Payments, but if you have Chinese firmware installed (MIUI China, you can try to connect Alipay or WeChat Pay via China VPN. However, this method requires deep tuning and does not guarantee stable operation.

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If you have Xiaomi Redmi with an unlocked bootloader, you can install custom firmware with support for Google Pay for the HCE-This is a Host Card Emulation that allows you to emulate. NFC software, but requires technical skills.

3. Banking applications with support for contactless payments

Some banks offer alternative contactless solutions that do not require NFC, such as Sberbank and Tinkoff, which allow you to pay for purchases through:

• 📲 Push notifications – confirmation of payment directly in the application.
• 🔢 Dynamic QR-Codes – generation of one-time code for the terminal.
• 🔑 Payment by phone number - linking the card to the account in the store.

Example of settings for SberBank Online:

1. Open the app and go to “Payments”.
2. Select “Payment by QR or Barcode”.
3. Scan the code on the terminal or enter the amount manually.
4. Confirm the operation by SMS or biometrics.

Advantage: you don’t have to look for an NFC terminal – enough to have a store that supports QR or online payment.

Install the banking application | Link the card to the account | Check the balance | Include notifications to confirm payments-->

4. Payments through instant messengers (Telegram, WhatsApp, Viber)

Many instant messengers have integrated payment systems, which allows you to pay for purchases directly in chat.

• 📌 Telegram – bots for payment (@BotFather + payment API).
• 💬 WhatsApp Payments via WhatsApp Pay (only in some countries so far).
• 📞 Viber – Inline payments via Viber Pay.

How to pay via Telegram:

1. Find a store bot (like @ShopBot).
2. Select the product and add it to the basket.
3. Click on “Pay” and select the method (bank card, QR, wallet).
4. Confirm the payment via the bank application or SMS.

This method is convenient for online shopping, but it rarely works in offline stores, but some cafes and small shops accept payment through instant messengers - just ask the seller.

5.Use of external NFC-Adapters for Xiaomi Redmi

If you are critically important contactless payment, but not on the phone NFC, can be purchased externally NFC-These devices are connected through a module. USB-C or 3.5 mm audio jack and emulate the operation of the built-in chip.

Popular models:

• 🔌 NFC Tag Type 2 – Connects via audio connector, supports Google Pay.
• 📶 Bluetooth NFC Card – works on Bluetooth, but requires charging.
• 🔋 USB-C NFC Adapter is the most reliable, but takes up the charging port.

How to use:

1. Buy an adapter (cost - from 500 to 2000 rubles).
2. Connect it to the phone through the appropriate connector.
3. Install the manufacturer’s app (if required).
4. Link your bank card to Google Pay or another service.
5. Attach the adapter to the terminal for payment.

⚠️ Attention: External NFC-Adapters may not work with some bank cards due to security restrictions. Check compatibility with your bank before buying, and these devices often require root rights or custom firmware, which will cancel the warranty on the phone.

Pros: full-fledged NFC emulation. Cons: additional costs, the risk of incompatibility, the inconvenience of permanent connection.

6. Payment through online banking with phone-linked

Many banks allow you to pay for purchases through online banking by linking your phone to your account, for example, in Alfa Bank or Raiffeisenbank you can:

• 📱 Generate a one-time payment code in the application.
• 🔢 Notify the cashier for manual entry into the terminal.
• 🔒 Confirm the operation SMS or push-notification.

An example for Alpha Click:

1. Open the app and select “Payments” → “Payment in the store”.
2. Please indicate the amount and the store (if required).
3. Get a one-time code and show it to the cashier.
4. Confirm payment in the app.

This is a good way to shop where terminals support manual card data entry, and not all sellers agree to this method because of the risk of fraud.

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The most reliable payment methods without NFC Xiaomi Redmi is the QR-codes through banking applications and cloud wallets. NFC-Adapters are suitable only for experienced users who are ready for additional settings.

FAQ: Frequent questions about NFC-free payments on Xiaomi Redmi