How to connect payment from Xiaomi phone: 5 proven ways

Xiaomi smartphones have long ceased to be just devices for calls — they have become full-fledged financial assistants. Paying with one touch of the screen saves time, and when set up correctly, it also increases the security of transactions. But how exactly to set up contactless payments on Redmi, POCO or flagship models Xiaomi 14? In this article, we will analyze all the current ways — from standard Google Pay to the proprietary solution Mi Pay, and also talk about the nuances of working with NFC and bank cards from different countries.

It is important to understand that the connection process depends not only on the phone model, but also on the version of the MIUI firmware, the region of the device sale, and the technologies supported by the bank. For example, Xiaomi owners will have to use workarounds for the Russian market, whereas in Europe and Asia all the features are available out of the box. We have compiled current instructions for 2026, taking into account the latest service updates and restrictions for different regions.

1. Preparing Xiaomi phone for contactless payments

Before you tie the card, make sure your smartphone is technically ready to pay.

• 📱 Model with NFC: Check for the module in the specifications (for example, Redmi Note 12 Pro)+ It supports Redmi. A2 — no).
• 🔄 Up-to-date firmware: Update MIUI Up to the latest version through Settings → The phone. → Updating the system.
• 🔒 Unlocked bootloader: some regions require official firmware (not customized).
• 🌍 Region of the phone: if the device is imported from China, you may need to change the region to Global or EEA.

Pay special attention to the NFC settings. In most Xiaomi models, the module is disabled by default to save charge.

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

💡

If the default payment option is not in the NFC settings, update the Google Pay or Mi Pay app via the Play Market.

For models with MIUI 14 and later, it is also recommended to enable the Quick Payments function in the NFC settings. This will allow you to pay for purchases without unlocking the screen (it is enough to press the power button twice).

2. Method 1: Connecting via Google Pay (Google Wallet)

Google Pay (now Google Wallet) is a universal payment solution that works on all Xiaomi smartphones with NFC and Google services. Supports Visa, Mastercard, World (depending on the region) and even transport cards.

Instructions for map binding:

1. Install the Google Wallet app from the Play Market (if it is not available by default).
2. Open the application and click Add Card → Payment card.
3. Scan the card with the camera or enter the data manually (number, expiration date, CVC).
4. Confirm the binding via SMS or push notification from the bank.
5. Come up with it. PIN-payment code (required for transactions over 1000-1500 rubles depending on the bank).

Once you add a card, you can use it to pay in stores with PayPass or PayWave terminals.

• 🔐 Unlock the phone (PIN, faceprint ID).
• 📱 Bring the top of the smartphone to the terminal (where it is located). NFC-module).
• 💳 Wait for the sound signal or vibration – the payment has passed.

Restrictions: In some countries (e.g. Russia), Google Pay does not support maps World through the official application, in which case you will have to use alternative methods (see section 4).

3. Method 2: Mi Pay branded service - features and settings

Mi Pay is Xiaomi’s own payment solution integrated into MIUI firmware, which operates in China, India, some countries in Europe and Asia, but is not officially available in Russia, but can be activated on global firmware versions.

To connect Mi Pay:

1. Open the Mi Pay app (if not, download the APK from Xiaomi’s official website).
2. When you first start, accept the terms of use and allow access to NFC.
3. Click Add Card and select the bank from the list of supported (e.g. ICBC, HDFC for India).
4. Enter the card details and confirm the binding via SMS or banking application.

For payment via Mi Pay:

1. Unlock the phone.
2. Open the Mi Pay app.
3. Select a card and bring the phone to the terminal.

Advantages of Mi Pay:

• 🔹 It works without the Internet (card data is stored in a secure element eSE).
• 🔹 Supports transport cards in some countries (e.g. Delhi Metro in India).
• 🔹 Below is the transaction fee for Asia.

Disadvantages:

• ❌ Limited list of supported banks (no Russian banks).
• ❌ Requires a change in the region of the phone to activate.

4. Method 3: Payment through SberBank Online or Tinkoff (for Russia)

In Russia, because of sanctions, Google Pay and Mi Pay do not support Mir cards through standard methods, but many banks have developed their own solutions for contactless payments via NFC.

4.1 SberBank Online with Host Card Emulation (HCE)

Sberbank offers payment through HCE technology, which emulates a bank card without a physical chip.

1. Install the latest version of the SberBank Online app.
2. Log in and go to the Maps section → Your map World.
3. Click Add to your wallet → Contactless payments.
4. Follow the instructions on the screen (SMS confirmation is required).

After setting up, payment is made through the SberBank Online application:

• Open the app and select a map.
• Click Pay and bring the phone to the terminal.
• Confirm the transaction with a fingerprint or PIN-code.

4.2 Tinkoff Pay.

Tinkoff Bank also supports contactless payments via NFC on Xiaomi.

1. Install the Tinkoff app.
2. Go to the map section and click Add to Google Pay (yes, even if you have a World map).
3. The system will redirect you to Tinkoff Pay – follow the instructions.

Payment is done in a similar way to Google Pay, but through the interface of the bank, the main advantage is the support of cards World without workarounds.

5. Method 4: Payment via Samsung Pay (for owners of POCO X3 NFC)

Although the POCO X3 NFC is a device from Xiaomi, it supports Samsung Pay thanks to the MST certification, a rare case where a smartphone not from Samsung is compatible with their payment system.

To connect:

1. Download Samsung Pay from the Play Market.
2. Sign up or sign in to your Samsung account.
3. Add the card through Add the card → Payment card.
4. Confirm the link through the bank.

Advantages:

• 🔹 It works even at terminals without NFC (thanks MST).
• 🔹 Supports maps Peace in Russia.

Limitations:

• ❌ It only works on POCO X3 NFC and some other models with MST.
• ❌ Registration in the Samsung ecosystem.

Method 5: Contactless payments via bank applications (HCE)

If your bank supports Host Card Emulation (HCE), you can pay directly through its mobile app.This method works on all Xiaomi smartphones with NFC, including models without Google Pay.

Examples of banks with HCE support:

• 🏦 Alfa-Bank (Alpha-Click appendix).
• 🏦 VTB (VTB Online Appendix).
• 🏦 Gazprombank.
• 🏦 Opening.

Instructions on the example of Alfa-Bank:

1. Open the Alpha-Click app.
2. Go to the map section and select the one you want.
3. Click Contactless Payments → Connect.
4. Follow the instructions (SMS confirmation will be required).

For payment:

1. Unlock the phone.
2. Open the bank application and select the card.
3. Bring the phone to the terminal.
4. Confirm the transaction (PIN or biometrics).

💡

HCE-Payments don’t require a physical chip in the phone — the card is emulated software — making it universal, but less secure than eSE-based solutions like Google Pay).

7. Compatibility table of Xiaomi models with payment systems

Not all Xiaomi smartphones support contactless payments, and here is a table of compatibility of popular models with different services (data is current as of June 2026):

⚠️ Note: If your model does not support NFC, Contactless payments via phone are not possible, in which case consider options with the QR-codes (for example, via SBP or Tinkoff Pay).

8.Contactless payments security: 5 rules

Paying from the phone is convenient, but requires increased attention to security.

1. Use a screen lock: PIN, pattern lock, fingerprint or Face ID are required, without which anyone can pay for a purchase from your phone.
2. Turn off NFC in public places: This will prevent accidental write-offs (such as in the subway or cafes).
3. Set limits: in the banking application set a limit on contactless payments without confirmation (usually up to 1000-3000 rubles).
4. Do not store card data in unreliable applications: use only official services (Google Pay, Mi Pay, banking applications).
5. Check transactions regularly: Enable SMS-write-off notice.

⚠️ Warning: If you lose a phone with a linked card, immediately lock it through a bank or payment service. On Google Pay, you can do this remotely via pay.google.com.

Also avoid connecting to public Wi-Fi networks when adding cards - attackers can intercept data. Use mobile internet or trusted networks.

FAQ: Frequent questions about payment with Xiaomi