How to connect payment from Xiaomi phone via bank card: full instructions

Paying with Xiaomi smartphone via a bank card is not only convenient, it is also safe. Modern models of Redmi, POCO and Mi line support contactless payments via NFC, but many users face difficulties in the first setup. In this article, we will discuss all the current ways of linking a card to a Xiaomi phone in 2026, from the standard Google Pay to the branded Mi Pay solution, as well as alternative options for devices without NFC.

It's important to understand that the process depends on the smartphone model, the version of MIUI and the region of residence. For example, in Russia, Google Pay has officially been out of service since 2022, but there are workarounds. We will look at legal methods for different countries, and also give recommendations on security - how to protect the attached card from fraudsters and what to do if the phone is lost.

1. Verify your Xiaomi’s compatibility with contactless payments

Before you start setting up, make sure your Xiaomi smartphone supports the necessary technology.

• 📱 Model with NFC-chip: Most flagships (Xiaomi 13/14, Redmi Note 12 Pro+) and mid-budget models (POCO X5 Pro, Redmi Note 11 NFC) are equipped with a module. Check the specifications of your model on the official website.
• 🔄 Up-to-date MIUI: Mi Pay requires MIUI 12.5+ (in some regions, MIUI 13/14). Update the system in Settings → About Phone → System Update.
• 🌍 Regional support: Mi Pay is officially available in China, India and some European countries, and is only available in Russia and Ukraine via VPN or alternative methods.

If your Xiaomi is not equipped with NFC (for example, Redmi 10A or POCO M4 Pro without the NFC prefix in the name), contactless payments via the phone are not possible. However, you can use QR- codes (via SberPay, Tinkoff or Alipay) or payments via a link.

⚠️ Warning: On devices with an unlocked bootloader or custom firmware (LineageOS, Pixel Experience), contactless payments may not work due to a security breach HCE (Host Card Emulation).

2. Google Pay setup on Xiaomi (for users outside of Russia)

If you are in a country where Google Pay (now Google Wallet) is officially available (Europe, USA, Asia), follow this instruction. In Russia, the service has not been working since 2022, but we will look at alternatives in the next section.

Steps to add a map:

1. Download the Google Wallet app from Google Play.
2. Open the app and click Add Card → Credit or debit card.
3. Scan the card with the camera or enter the data manually: number, expiration date, CVC (three digits on the back).
4. Confirm the addition via SMS or push notification from the bank.
5. Install Google Wallet as the default contactless payment app in Settings → Connected Devices → NFC → Default Payments.

Once you add a card, you can use it to pay in stores with PayPass or PayWave terminals, and just unlock your phone and bring it to the terminal, and the payment will go through automatically.

Download the latest version of Google Wallet|Update MIUI up-to-date|Check support NFC model|Connect the Internet (Wi-Fi or mobile data)|Have a bank card with you-->

⚠️ Warning: Some banks block adding maps to Google Wallet for devices with root rights (root) or unlocked bootloader. If the card is not added, check SafetyNet status through the SafetyNet Test app.

3. Google Pay alternatives for Russia and other regions

Google Pay is officially unavailable in Russia from 2022, but there are several working alternatives:

• 💳 Mi Pay (officially available in China, but can be configured via VPN) Supports UnionPay, Visa, Mastercard (depending on the bank).
• 🏦 SberPay (only for Sberbank cards) works through NFC and QR- codes.
• 🔵 Tinkoff Pay (for Tinkoff Bank cards) supports payment on NFC and virtual card generation.
• 📱 Mir Pay (for Mir cards) is officially supported on most Xiaomi with NFC.

The most versatile option for Russia is SberPay. Instructions for setting up:

1. Download the SberBank Online app from Google Play.
2. Sign in and go to Payments → SberPay.
3. Click Connect and select the map to link.
4. Confirm the operation via SMS or biometrics (print/face).
5. Activate NFC in your phone settings: Settings → Connections and Sharing → NFC.

Important: To pay through SberPay, the phone must be unlocked (not necessarily entered PIN- code, it is enough to unlock with a fingerprint or pattern lock). If the screen is turned off, the payment will not pass.

4. Set up Mi Pay on Xiaomi (official way)

Mi Pay is Xiaomi’s signature contactless payment solution, integrated into MIUI and supports Visa, Mastercard and UnionPay cards (depending on the region), and is a step-by-step guide for officially supported countries (China, India, some European countries).

Steps to add a map:

1. Open the Mi Pay app (if not, download from the Xiaomi App Store or via APKCombo).
2. Accept the terms of use and log in to your Mi Account.
3. Click Add Card and select the type (Credit/Debit Card).
4. Enter the card details or scan it with a camera, and some banks will require confirmation via SMS or a banking application.
5. Install Mi Pay as the default payment app in NFC settings.

Once you add a card, you can use it to pay for it in stores that support NFC.

• Unlock your phone (fingerprint is enough).
• Bring the top of the smartphone (where the NFC- chip is located) to the terminal.
• Wait for the sound signal or vibration – the payment will pass.

1. Update the application to the latest version.

2. Reboot the phone.

3. Delete and re-add the map to Google Wallet (if previously linked there).

4.Contact the bank and clarify whether it supports tokenization for Mi Pay.-->

5. Payment without NFC: QR- Codes and payments by link

If your Xiaomi does not support NFC (e.g. Redmi 10C or POCO M5), you can pay through QR- codes or payment links. This method works in most supermarkets, cafes and online stores.

Popular services for QR- payments:

• 🏦 SberPay (Sberbank) – generation of QR- code in the application for scanning by the cashier.
• 💰 Tinkoff – Payment via QR in the bank app or by phone number.
• 📱 SBP (Fast Payment System) – telephone number transfers between participating banks.
• 🌐 Alipay (for purchases in Chinese stores, for example AliExpress).

Instructions for payment via QR in SaverPay:

1. Open the SberBank Online app.
2. Go to the Payments section → SberPay.
3. Select Pay by QR and show the Generated code to the cashier to scan.
4. Confirm the payment with a fingerprint or PIN-code.

To pay by link (for example, in taxis or online stores):

1. Get a payment link from the seller (for example, in Yandex.Taxi or Ozon).
2. Open it in your browser or banking application.
3. Select a card to write off and confirm the operation.

⚠️ Warning: When paying through QR- codes or links, always check the amount and the recipient. Fraudsters can swap codes for fake, redirecting money to their accounts. Never scan QR from suspicious sites or messages.

6.Security: How to Protect Your Linked Card

Contactless payments via phone are convenient but require increased attention to security, and follow these guidelines to avoid theft of funds:

• 🔒 Use a screen lock: set a PIN- code, pattern lock, or biometric (print/face). Without unlocking, payment via NFC is not possible.
• 📵 Turn off NFC in public places: When you are not using payments, deactivate NFC in the Quick Settings Panel.
• 🛡️ Set up bank notifications: Enable SMS or push alerts for each transaction to quickly spot suspicious write-offs.
• 🔄 Regularly update MIUI: New firmware versions close vulnerabilities that can be exploited by fraudsters.

What to do if your phone is lost or stolen:

1. Block the card immediately through the bank application or by hotline number.
2. Delete the card from Google Wallet/Mi Pay via the web version of the service (if you have access to your account).
3. Use Find the device in Mi Account to lock your phone or delete data remotely.
4. Contact the police with a report of theft, specifying the IMEI of the phone (you can find out on the box or via *#06#).

Additional security measures:

• Do not store PIN- codes and passwords from banking applications in notes or SMS on your phone.
• Do not connect to public Wi-Fi networks (such as at cafes or airports) when making payments.
• Periodically check the list of associated devices in the personal account of the bank.

💡

The most reliable way to protect the card is to tie it to a biometric (print or facial recognition), in which case even if the phone falls into the wrong hands, without your fingerprint, payment will not be possible.

7. Solving problems: no card added or payments fail

If you encounter errors when adding a card or paying, use this troubleshooting instruction:

If none of these methods worked, try:

• Remove and reinstall the payment application.
• Reset network settings: Settings → System → Settings Reset → Reset settings Wi-Fi, mobile network and Bluetooth.
• Contact the bank with the phone model and MIUI version.

To diagnose NFC problems, enter the engineering code:

##4636##

Go to Equipment Testing and check for NFC status. If status is not maintained, the chip is faulty or missing.

FAQ: Frequent questions about payment with Xiaomi