How to connect SberPay on Xiaomi: step-by-step instructions for 2026

Contactless payments via a smartphone have long become the standard — faster than searching for a card in a wallet, and safer than carrying cash. SberPay from Sberbank allows you to pay directly from the Xiaomi screen without running the bank application. But many users face problems when setting up: the service does not appear in Mi Wallet, the card is not tied or payments do not pass. In this article, we will discuss all the ways to connect SberPay on Redmi, Poco and Mi smartphones, including solutions to typical errors.

Important: SberPay functionality varies by MIUI version, phone model and region of release. For example, on devices for the Chinese market (China ROM), service may not be available even after updates. We tested the instructions on Xiaomi 13 Pro (MIUI 14), Redmi Note 12 (MIUI 13) and Poco F5 (MIUI 14) - in all cases, the setup took no more than 5 minutes. If your model is older than 2019, check compatibility in the table below.

Before you start, make sure that:

• 📱 You have an official firmware installed. MIUI (Global or European version: SberPay will not work on custom firmware.
• 💳 Sberbank card supports contactless payments (the front side should have a sign) 🌐 or PayPass).
• 📶 The phone is connected to the Internet (Wi-Fi or mobile network).
• 🔒 On the smartphone configured screen lock (PIN, graphical key).

1. Verification of device compatibility with SberPay

Not all Xiaomi smartphones support SberPay – it depends on availability NFC-chip-and-version MIUI. For example, the budget models of Redmi 9A POCO M3 moduleless NFC, So you can't connect the service. Below is a table of compatibility of popular devices:

If your model is not in the table, check the presence of NFC in the characteristics on the official Xiaomi website.

1. Open Settings → About the phone → Full specs.
2. Find Wireless Networks – there should be an NFC item.

⚠️ Attention: On smartphones with China ROM (SberPay may not be displayed even if available NFC. The solution is to reflash the device to the global version MIUI (The instructions are available on xiaomi.eu).

2.Preparing the phone before setting up SberPay

Before adding a card, you need to activate the NFC and update the Mi Wallet app, and many people miss this step, which causes anchor errors.

Enable NFC in the settings

Update Mi Wallet to the latest version

Install the application SberBank Online

Add a fingerprint or PIN to lock

Check the balance on the card (minimum 100)₽ test-pay)-->

How to turn on NFC on Xiaomi:

1. Go to Settings → Connections and Sharing → NFC.
2. Activate the NFC switch.
3. Enable contactless payments (if any).

If there is no NFC option on the menu, your model does not support the technology, and the alternative is to use SberPay through the SberBank Online app (but this is less convenient, since it requires you to unlock your phone before every payment).

Next, update Mi Wallet:

1. Open the Google Play Store.
2. Type in Mi Wallet search.
3. Press Update (if the button is active).

⚠️ Note: Some firmware Mi Wallet may be called Mi Pay or Wallet. If the app is not available in the Play Store, download it. APK From the official Mi App Store website.

3. Step-by-step instructions: how to add a Sberbank card to Mi Wallet

Now, the main step is to link the map, and the whole process takes no more than 3-5 minutes, if you follow the instructions:

1. Open the Mi Wallet app. On the home screen, tap the + icon (or Add a map).
2. Select SberPay. In the list of payment systems, find the Sberbank logo. If it is not available, update the application or check the firmware region (see the section on China ROM above).
3. Scan the map or enter the data manually. Point the camera to the front of the card (the data is read automatically). Alternatively, enter the card number, expiration date and CVC-code.
4. Confirm the link via SMS, the number associated with the card will receive a code, enter it in the confirmation field.
5. Install Mi Wallet as the default payment app. The system will suggest you choose Mi Wallet as your primary wallet. You agree that payments will work when you bring your phone to the terminal.

Critical detail: if you add a card, you will see an error "Service temporarily unavailable", check if your antivirus (e.g. Avast or Kaspersky) blocks it.

Once successfully linked, the card will appear on the Mi Wallet home screen to pay for the purchase:

1. Unlock your phone (PIN or fingerprint).
2. Bring the top of the smartphone to the terminal (where it is located). NFC-chip).
3. Wait for the beep and notification of successful payment.

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If the terminal is not responding to the phone, try to bring the smartphone to it from a different angle — NFC-Xiaomi chip is usually located at the top of the back panel.

4. Solving common errors when connecting SberPay

Even with the right setup, users face problems, and we have collected TOP-5 errors and ways to fix them:

If the card is added, but the payments do not pass:

• 🔄 Restart your phone - sometimes NFC-The chip “hangs” after long-term use.
• 📶 Check the Internet connection – to authorize payment requires access to the network.
• 🛠️ Reset the settings. NFC: Go to Settings. → System system → Resetting settings → Resetting settings NFC.

5. Alternative payment methods via SberPay on Xiaomi

If Mi Wallet does not support SberPay (for example, on older models), you can use two workarounds:

Method 1: Through the application Sberbank Online

Not even without. NFC You can pay for your purchases through QR-code:

1. Open the SberBank Online app.
2. Go to the Payments section → SberPay.
3. Click Pay by QR and scan the code at the checkout.

Method 2: Through Google Pay with a linked Sberbank card

If your Xiaomi supports Google Pay (and it works on most NFC models), add a card to it:

1. Install Google Pay from the Play Store.
2. Add the Sberbank card manually or through scanning.
3. Set up Google Pay as a default contactless payment app.

The disadvantage of this method is that Google Pay requires you to unlock your phone before each payment, while SberPay in Mi Wallet works without unlocking (it is enough to bring the phone to the terminal).

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The most reliable way is to use Mi Wallet with SberPay, as it is integrated into the system and does not require third-party applications to run.

6.Security: How to Protect Payments Through SberPay

Contactless payments via phone are safer than physical card payments, but only if you follow the rules:

• 🔐 Never save. PIN-Card code in notes or screenshots. Use a fingerprint or facial recognition to unlock your phone.
• 📵 Turn it off. NFC, When you don't use payments, it will prevent accidental charges if the phone is near the terminal.
• 🛡️ Set up payment notifications in the SberBank Online app to immediately see unauthorized transactions.
• 🔄 Update regularly MIUI And Mi Wallet, which is now being redesigned to fix vulnerabilities that can be exploited by fraudsters.

If your phone is lost or stolen:

1. Block the card immediately via SberBank Online or by calling 900.
2. Remove the card from Mi Wallet remotely via the SberPay website (My Devices section).
3. Use the Find Device feature in your Xiaomi account to remotely erase your phone data.

⚠️ Warning: Fraudsters may try to trick you into “confirming” a payment through a SMS. Sberbank never asks for codes from phone messages or correspondence! +7 495 XXX-XX-XX and ask them to name the code of SMS — It's 100% cheating.

7. Comparison of SberPay with other payment systems on Xiaomi

On Xiaomi smartphones, you can use several services for contactless payments, compare them by key parameters:

Conclusion: SberPay in Mi Wallet is the most convenient option for Xiaomi owners with official firmware. Google Pay is suitable for those who have China ROM or cards of other banks. Paying by QR through SberBank Online is a backup option for devices without NFC.

FAQ: Frequent questions about SberPay on Xiaomi