How to pay with Xiaomi Redmi 9 Pro instead of Sberbank card: a complete guide 2026

Paying with a smartphone instead of a physical Sberbank card is convenient, fast and safe. Xiaomi Redmi 9 Pro owners can use the built-in NFC module for contactless payments in stores, transport or cafes. But how to set up this feature if you have a Sberbank card? Unlike iPhone, where everything works through Apple Pay, on Android, the choice of services is wider: Google Pay, SberPay or even Mir Pay (if your card supports MIR).

In this article, we will look at all the ways to link a Sberbank card to a Redmi 9 Pro, compare the pros and cons of each method, and explain how to avoid typical errors. You will learn which service to choose in 2026, how to check the compatibility of the card and what to do if the terminal does not accept payment. We will pay special attention to the setting NFC — Without it, contactless payments simply won’t work.

⚠️ Important: before setting up, make sure that your Sberbank card supports contactless payment technology (it should have the PayPass or PayWave logo on it). If the card is not at hand, check its parameters in the personal account of Sberbank Online in the section "My cards».

Also check that your Redmi 9 Pro has the latest version of MIUI firmware installed. Outdated software can cause NFC malfunctions. You can update the system from the Settings menu → About Phone → System Update.

1. NFC Testing on Xiaomi Redmi 9 Pro: How to Enable and Check Module

Before you set up payments, make sure the NFC module on your smartphone is activated and works correctly. On the Redmi 9 Pro, the NFC chip is located at the top of the back cover (near the camera).

1. Open Settings → Connection and Sharing.
2. Slip on NFC.
3. Transfer the slider to the "On" position.
4. In the default Payments section, select your preferred service (e.g. Google Pay).

If the NFC item is not on the menu, then your Redmi 9 Pro model does not support the technology (this happens in some regional versions of the device).

⚠️ Attention: after activation NFC If you rarely use contactless payments, manually disable the module through the Quick Settings Panel (swipe down from the top edge of the screen).

2. Methods of binding the card of Sberbank: Google Pay vs SberPay

On Xiaomi Redmi 9 Pro you can pay through two main services: Google Pay (supports Mastercard, Visa, MIR) and SberPay (only Sberbank cards).

Google Pay is universal – suitable if you have several cards of different banks. SberPay is more convenient for owners of Sberbank cards, as it supports payment without unlocking the screen (it is enough to bring the phone to the terminal).

⚠️ Note: if your Sberbank card is issued before 2020, it may not support tokenization in Google Pay. in this case, use SberPay or request a reissue of the card from the bank.

3. Google Pay step-by-step setup for Sberbank card

To link your Sberbank card to Google Pay on Redmi 9 Pro, follow the following steps:

1. Download the Google Pay app from Google Play.
2. Open the app and click "Start."
3. Select “Add Card” → “Credit or Debit Card”.
4. Scan the card or enter the data manually (number, expiration date, CVC).
5. Confirm the binding via SMS from Sberbank (the code will come to the number associated with the card).
6. Install a method of confirming payments: fingerprint, PIN-code.

Once you add a card, you can use it to pay for it.

1. Unlock the phone.
2. Hold the top of the Redmi 9 Pro (where it is located) NFC-chip) to the terminal.
3. Wait for the vibration and the sound signal – the payment was successful.

💡 Tip: if the terminal is not responding, try restarting your phone or turning on In-Air mode for 10 seconds, and then turning off. NFC.

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Before you pay for the first time, check the limit of contactless transactions in the personal account of Sberbank Online. By default, it is 1000-3 000. ₽, But you can increase it to 10,000. ₽.

SberPay setup: how to pay without unlocking the screen

SberPay is a service from Sberbank that allows you to pay with your phone without first unlocking, and the main advantage is speed: just double-press the power button and bring your smartphone to the terminal.

To set up SberPay on Xiaomi Redmi 9 Pro:

1. Install the SberBank Online app (if not already installed).
2. Log in and go to the “Maps” section.
3. Select the card you want to link to SberPay and tap “Add to SberPay.”
4. Follow the instructions on the screen (SMS confirmation is required).
5. After adding the card, activate the option “Fast Payments”

Now for payment:

1. Twice press the power button on the Redmi 9 Pro.

⚠️ Note: If you have a third-party launcher installed (like Nova Launcher), the SberPay Quick Payments feature may not work. MIUI or set exceptions for the SberBank Online application.

5. Solving Typical Contactless Payment Problems

Even when set up correctly, payments may not be made, and here are the most common reasons and ways to address them:

• 🔄 The terminal does not respond to the phone: check if it is on NFC, And reset your phone. Try to bring it to the terminal from a different angle.

Critical information: If contactless payments stopped working after the MIUI update, reset your NFC settings. Go to Settings → Applications → Application Management → NFC, click Clear Cache and restart your phone.

If the problem is not solved, try to delete and re-add the card to the selected service. In extreme cases, contact Sberbank (for SberPay) or Google (for Google Pay).

6.Contactless payments security: how to protect money

Paying with a phone is safer than a physical card, thanks to tokenization (replacing a card number with a virtual ID) and biometric authentication, but there are risks to be aware of:

• 🛡️ Don't keep it. PIN-codes and passwords in notes on the phone – if the smartphone is stolen, attackers will be able to access payments.
• 📱 Set up a screen lock (print, Face) ID complex PIN). Without it, payments via SberPay will be available even to outsiders.
• 🔄 Regularly check the history of transactions in Sberbank Online - this will help to notice suspicious write-offs in time.
• 🚫 Do not use contactless payments on unlocked or hacked (root) phones – this violates the security terms of Google Pay and SberPay.

⚠️ Note: if you lose your phone, immediately block the card to Sberbank Online or at the hotline 900. You can also remotely delete data from the device via the Find Device service (for Google Pay) or Sberbank’s personal account (for SberPay).

For additional protection, enable payment notifications in your card settings, so you will receive SMS or push messages after each transaction.

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No contactless payment service transfers your real card number to the terminal, instead using a one-time token, making fraud virtually impossible.

7. Alternative Payment Methods by Phone (if NFC is not working)

If your Redmi 9 Pro is missing NFC or if the module is broken, you can pay for the phone in other ways:

• 💻 QR-Codes: Many terminals support payment by QR. Open Sberbank Online, select "Pay by" QR» And scan the code at the checkout.
• 📲 SberPay without NFC: in some stores (for example, "Pyaterochka", "Magnet") you can pay through the generation of a one-time code in the application of Sberbank.
• 🔗 Payment links: Some online services (taxis, delivery) send a payment link directly to the messenger, just open it on the phone and confirm the payment.

If the NFC on your Redmi 9 Pro stopped working after falling or getting moisture, try:

1. Rub the top of the phone with alcohol (the contacts may have oxidized).
2. Update the firmware to the latest version of MIUI.
3. Contact the Xiaomi service center - repair NFC-chip costs 1,500 to 3,000 ₽.

Frequently Asked Questions (FAQ)