How to use Google Pay on Xiaomi phone: full instructions from installation to payment

Contactless payments via a smartphone have long been the standard, but owners of Xiaomi devices often face nuances when setting up Google Pay (now Google Wallet). Problems arise due to the features of MIUI firmware, regional restrictions or incorrectly activated NFC functions. This article will help you understand all the steps from checking the compatibility of your Redmi, POCO or Mi to solving typical errors such as “device is not certified”.

We won’t be limited to basic instructions: here you will find unique tricks for Xiaomi, for example, how to bypass the lock Google Pay on custom firmware or why payment may not work even with the correct NFC configuration. All steps are tested on current models from 2023 to 2026 (including Xiaomi 14, Redmi Note 13 Pro+ and POCO F6) and take into account the latest updates to Google’s security policy.

1. Check your Xiaomi’s compatibility with Google Pay

Before installing the app, make sure your smartphone supports NFC and complies with Google's requirements.Not all Xiaomi models are equipped with a touchless payment chip - budget Redmi A2 or POCO M6, for example, may not have one.

How to check:

• 🔍 Go to Settings. → Connected devices → NFC. If there is no point, your model does not support the technology.
• 📱 Use GSMArena: enter the model name and check the specifications for availability NFC.
• 🛡️ Make sure that the official firmware is installed on the phone. MIUI (Custom versions can block Google Pay).

Special attention to Xiaomi owners with an unlocked bootloader: Google may consider such a device to be “uncertified” in which case additional action will be required (see Section 5).

2.Installation and initial setup of Google Pay

Google Wallet (formerly Google Pay) is pre-installed on most Xiaomi smartphones with Google services. If it is not available, download from the Play Market. Importantly, use a Google account tied to the same region as your bank card.

Step-by-step:

1. Open Google Wallet and click “Start”.
2. Select "Add Card" → "Credit or Debit Card".
3. Scan the card with the camera or enter the data manually (number, expiration date, CVC).
4. Confirm the addition via SMS or push notification from the bank.

Xiaomi models with MIUI 14+ may have a request to install Google Play Services — agree, otherwise the payment will not work. If the application requests “device certification”, go to section 5.

3.NFC setup for contactless payments

Even if NFC is activated, the correct configuration is required for Google Pay to work correctly on Xiaomi:

1. Go to Settings → Connected Devices → NFC.
2. Activate the NFC slider and enable Contactless Payments (called HCE Wallet on some models).
3. In the “Preferred payment method” section, select Google Wallet.

An important caveat: some MIUI firmware (especially global versions for Europe) may not have contactless payments.

• 🔧 Set regional settings for "Russia" or "USA" (in Settings) → Additionally. → Language and region).
• 🔄 Restart your phone and check for the option again.

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If the terminal can’t see your phone, try bringing it to the top of the back cover – that’s where it is located. NFC-chip in most Xiaomi models.

4. How to Pay Through Google Pay: A Step-by-Step Guide

The payment process takes a few seconds, but there are key points that are often missed:

1. Unlock the phone screen (PIN, fingerprint or Face ID).
2. Bring the top of the smartphone to the terminal at a distance of 2-5 cm.
3. Wait for the vibration and the sound signal – this is a confirmation of a successful transaction.
4. A check will appear on the screen with the amount and name of the store.

Common Mistakes of Xiaomi Users:

• ❌ Screen not unlocked (Google Pay requires active authentication).
• ❌ Phone's on the wrong side (NFC-The chip is usually located next to the camera).
• ❌ The limit of contactless payment is exceeded (in some banks – 1000-5000). ₽ without PIN).

5. Solution to the problem "Device not certified"

This error occurs on Xiaomi with an unlocked bootloader, custom firmware or after root access. Google blocks payments on such devices for security reasons.

Method 1: Reset certification (for MIUI)

1. Install the Treble Check app.
2. Check the status of Device is certified: No.
3. Go to Settings → Google → Device and click “Reset Certification”.

Method 2: Change build.prop (for advanced)

1. Install a file manager with root access (e.g., Root Explorer).


2. Open the file /system/build.prop.




3.Look for ro.boot.verifiedbootstate and change the value to green.




4. Save, reboot the phone.

⚠️ Note: Using informal methods of circumventing certification can lead to the blocking of a Google account or a bank card. Banks (Sberbank, Tinkoff, VTB) are actively fighting such schemes.

6.Security: How to Protect Payments for Xiaomi

Google Pay is considered more secure than physical cards, but Xiaomi has specific vulnerabilities.

• 🔒 Always use a screen lock (PIN, pattern lock or print. MIUI You can set up automatic lock after 5 seconds of inactivity in Settings → Lock screen.
• 🚫 Turn off notifications on the locked screen (in Settings) → Notifications → On the lock screen, select "Hide content").
• 🔄 Update Google Play Services and Google Wallet regularly – new versions will close vulnerabilities.

Xiaomi's feature is that MIUI's default firmware has Second Space enabled, which creates an isolated profile, and if you add a map to the main space, the second one won't work.

1. Go to Settings → Special Opportunities → Second Space.
2. Turn off the function or add the map separately in each space.

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On Xiaomi with MIUI 13+, Google Pay may conflict with the "Privacy → Application Protection" function. Make sure Google Wallet is not locked by a password in this section.

7. Google Pay Alternatives for Xiaomi

If setting up Google Pay is difficult, consider the alternatives:

For Xiaomi owners in Russia, the most reliable options are SberPay (if you have a Sberbank card) or Mir Pay (for MIR cards), which do not require NFC and work even on models without a contactless payment chip.

FAQ: Frequent questions about Google Pay on Xiaomi