How to use it NFC Android for payment of purchases by Xiaomi smartphones: full instruction 2026

Contactless payments via smartphone are no longer a curiosity — today it is a standard of convenience that saves time and eliminates the need to carry a bunch of cards. NFC Does it work on my Redmi?, How to tie a card to Mi Pay? or Can I pay for SberPeiom via Xiaomi?, and you can find answers to these and other questions in our guide.

In this article, we will look at all the steps, from checking the compatibility of your model to the intricacies of setting up different payment systems. NFC If you're just planning to buy a Xiaomi phone that supports contactless payments, at the end of the article, there's a comparison table of models that shows the type of phone you're looking for. NFC-chip and constraint.

Important: instructions are relevant for firmware MIUI 14/15 hyperos (2026 If your device is running on an older version, some menu items may be different, as we will also mention separately.

1. Check compatibility: which Xiaomi smartphones support NFC pay

Not all Xiaomi devices are equipped with a module NFC — This is especially true for Redmi’s budgets and POCO. Even if the chip is present, its functionality may be limited. NFC It only works for data transfer (as in the old Redmi Note 8 Pro), but does not support bank card emulation (HCE).

To avoid disappointment, check your model in the official list, we have collected the latest data on the most popular devices:

If your model is not in the table, check the specifications on the official Xiaomi website or in the Settings app. → The phone. → Full specifications. Please note that even if NFC some banks may block Google Pay card binding on non-certified devices (for example, firmware from third-party developers).

Advice: For models with duality NFC (For example, Xiaomi 13 Ultra, payments are faster because the antenna is located at the top and bottom of the case, which reduces the dependence on the position of the phone at the terminal.

2.Tune in. NFC Xiaomi: turn on the module and check the work

Before you tie the cards, you need to activate the module itself. NFC. Depending on the version MIUI HyperOS or the way to setup may be slightly different, but the overall logic is maintained.

Follow the step-by-step instructions:

1. Open the settings (cog icon on the desktop).
2. Go to Connection and Sharing (HyperOS – Wireless Networks).
3. Slip on NFC.
4. Activate the slider Use NFC.
5. Enable the Card Emulation option (or Contactless payments in newer versions).

After activation of the module, we recommend checking its operability.

• 🔍 Bring the phone to another device with NFC (For example, to a speaker or other smartphone – there should be an audible signal or vibration.
• 💳 Try reading any contactless card (such as a transport or bank card) through the app. NFC Tools from Google Play.
• 📱 Make sure that the icon N (the icon) appears in the status bar NFC).

⚠️ Note: On some models POCO and Redmi, the card emulation option can be hidden. To unlock it, go to Settings. → Additionally. → Special facilities → NFC-Payments and switch on the appropriate switch.

If NFC is not activated:

• Check if the battery is discharged (the module is turned off at a charge level below 5%).
• Update the firmware to the latest version through Settings → System Update.
• Make sure that your phone doesn’t have “optimizers” or “cleaners” that can block system services.

Compatibility testing of the model

Updating the firmware to the current version

Activation of the module NFC customized

Verification of work through NFC Tools

Installation of the necessary payment applications-->

3.Select payment service: Mi Pay vs Google Pay vs SberPey

Xiaomi smartphones support several payment systems, but their availability depends on the region and device model.

1. Mi Pay (official decision from Xiaomi):

• ✅ It works on all supported models without additional settings.
• ✅ Integrated into the system – does not require the installation of third-party applications.
• ❌ Not available in Russia due to sanctions restrictions (since 2022).
• ❌ Limited list of supported banks (mostly Chinese).

2. Google Pay (Universal Solution):

• ✅ Supported by most Russian and international banks.
• ✅ It works on all models with NFC HCE (Even if Mi Pay is not available).
• ❌ Requires the installation of a separate application.
• ❌ Some banks block the binding of cards on custom firmware.

3.SberPei/Tinkoff Pei/Alpha-Click (Russian alternatives):

• ✅ Full support of Russian maps (World, Visa/Mastercard Russian banks).
• ✅ Often offer cashback and bonuses for payment.
• ❌ May require manual permission settings for NFC Android-based.
• ❌ Not all terminals support payment via these services (especially overseas).

For most users in Russia, Google Pay or SberPey is the best choice. If you travel abroad often, check if your bank supports card binding to Google Pay. Visa/Mastercard They may not work due to the limitations of payment systems.

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If you use SberPei, add its widget to the home screen, which will speed up access to payment. → Widgets → Find SberPey and drag it to a convenient place.

4. Step-by-step: how to link a card to Google Pay on Xiaomi

The process of adding a card to Google Pay takes no more than 5 minutes, but there are nuances that many people are not aware of. SMS The number to which the card is attached, even if the phone has another one. SIM.

Follow the instructions:

1. Download and install the Google Pay app from the Google Play Market.
2. Open the app and press Start.
3. Choose Add Card → Credit or Debit Card.
4. Scan the card with the camera or enter the data manually (number, expiration date, CVC).
5. Accept the terms of use and confirm the binding via SMS or push notification from the bank.
6. Wait for the message The card is ready to use.

If the error “This type of card is not supported” appears during the card addition step, try the following solutions:

• 🔄 Restart your phone and try again.
• 📱 Make sure that the Google Pay settings include a clause NFC for contactless payments (Settings) → Contactless payments).
• 🏦 Check if your bank supports Google Pay (the list of supported banks is available on the official website of the service).
• 🔒 If you have an unofficial firmware installed, go back to the stock store. MIUI — Many banks block cards on custom ROM.

⚠️ Note: Some Xiaomi models (e.g. Redmi Note 11 Pro)+) After you have linked your card to Google Pay, you have to manually select it as the default payment card. → Annexes → Google Pay → Permissions and activate the option NFC default.

After successful binding, check the work:

1. Unlock your phone (PIN, fingerprint or Face ID).
2. Bring the top of the smartphone to the terminal (distance is not more than 2-3 cm).
3. Wait for the vibration and the beep to signal a successful payment.

5. Setting up SberPey and other Russian payment services

For users of Russian bank cards (World, Visa/Mastercard The optimal solution will be SberPey or similar services from Tinkoff, Alfa-Bank and VTB. The setup process is similar to Google Pay, but there are its own features.

Instructions for SberPey:

1. Install the SberBank Online app (if not already installed).
2. Sign in and go to the Payments section → SberPey.
3. Click Add a card and select the one you want from the list (or add a new one).
4. Confirm the operation via SMS or push notification.
5. Activate the option to Pay by default.

For other banks (Tinkoff, Alfa-Bank), the process is similar:

• 🏦 Install the official application of the bank.
• 💳 Find Contactless Payments or Add to your wallet.
• 📱 Follow the instructions on the screen (confirmation may be required by call or bank branch).

Some banks (such as Tinkoff) require that the phone has a certified Google Mobile Services (GMS). If you use a firmware without GMS (For example, on Xiaomi for the Chinese market, you will not be able to tie the card.

⚠️ Note: Payment via SberPei may cause errors at terminals abroad. Check with your bank before you travel to see if contactless payment for your card is supported abroad. Alternatively, link the card to Google Pay (if the bank allows it).

Advice for Xiaomi owners 13/14 Series: Dual function is implemented in these models NFC, So if you don't pay, you can change the antenna in your settings:

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For stable operation of SberPey and other Russian services, be sure to update the bank’s application to the latest version. Outdated versions may not support new contactless payment protocols.

6. Common Problems and Their Solutions

Even after the right setup NFC We've collected the most common errors and how to fix them:

Problem 1: The terminal can't see the phone.

• 🔋 Check the battery power at a level below 5% NFC shut down.
• 📵 Make sure that the In-plane or Energy Saving mode is not turned on.
• 🔄 Restart your phone and try again.
• 🛠️ If the phone is in a case, remove it - some cases block the signal NFC.

Problem 2: The app does not allow you to add a map.

• 🏦 Check with the bank whether the link to the selected service is supported.
• 🔒 Check if there is an unofficial firmware installed (many banks block cards on customized cards). ROM).
• 📱 Update the Bank App and Google Play Services.
• 📡 Make sure your phone is connected to the internet (a connection is required to confirm the card).

Problem 3: Payment is made but not credited to the card.

• 💳 In the payment application settings (Google Pay, SberPey) select the default card.
• 🔄 If you use multiple services (for example, Google Pay and SberPey), disable unnecessary in the settings. NFC.
• 📵 Check if the apps are in conflict with each other (for example, if both are trying to use the app). NFC simultaneously).

Problem 4: After the firmware update NFC quit.

If none of these methods worked, try resetting your phone to factory settings (be sure to back it up!). NFC — In this case, contact the service center.

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If you travel frequently, add a backup card to Google Pay (like a virtual one from Revolut or Tinkoff) to help avoid problems with paying abroad if the main card suddenly gets blocked.

7 Security: How to Protect Payments Through NFC

Contactless payments via a smartphone are as safe as physical card payments, but there are a few rules to follow, and the main risk is losing or stealing your phone, so it’s important to set up strong protection.

Mandatory safety measures:

• 🔐 Set up a hard one. PIN-A fingerprint or facial recognition is an additional layer of protection, but not a basic one.
• 📱 Enable Lock and Reset in Google Settings: Settings → Google → Security → Find the device, and that'll allow you to remotely lock the phone in case you lose it.
• 💳 In payment applications (Google Pay, SberPey) set up notifications about each transaction – so you quickly notice suspicious write-offs.
• 🔄 Regularly update firmware and applications – this closes vulnerabilities that can be exploited by fraudsters.

What to do if your phone is stolen:

1. Lock it down immediately. SIM-card through the operator or personal account.
2. Remotely lock your phone from Find My Device (Google) or Mi Cloud (Xiaomi).
3. Call the bank and block all cards tied to the phone.
4. Change your passwords from your Google and Mi accounts if they were saved on your device.

An additional layer of protection is the use of virtual cards for everyday payments, and many banks (such as Tinkoff or Alfa Bank) allow you to create a virtual card with a limited limit, tied to the main account, and if the data of such a card is compromised, attackers will not be able to write off a large amount.

⚠️ Warning: Never store photos or screenshots of your cards in the phone gallery, scammers can access them through malicious applications or data leaks. Use secure storage like Google Password Manager or secure storage for sensitive information. 1Password.

8.Alternative ways to use NFC on Xiaomi

In addition to payments, the module NFC On smartphones Xiaomi supports other useful features:

Transport maps

• 🚇 In Moscow, St. Petersburg and other cities, you can link Troika, Strelka or Podrovnik to the phone through the Metro or My Pass.
• 💳 To do this, it is enough to bring a physical card to the phone and follow the instructions in the application.

2. Smart tags (NFC-tagging)

• 🏠 You can program it. NFC-Labels to automate actions, for example, touching a tag at a door will turn on Wi-Fi, Bluetooth and start a smart home.
• 🛠️ For this, use the applications. NFC Tools or Trigger.

Data exchange

• 📱 You can quickly transfer files, contacts or links between two smartphones with a NFC. To do this, it is enough to bring the devices to each other and confirm the transfer.
• 🔗 Some Xiaomi models have a Quick Share feature that works through the NFC + Wi-Fi Direct.

4. Identification and access

• 🔑 Some offices and fitness clubs use NFC-Access control cards can be emulated via the phone (if the system supports it).
• ⚠️ Before that, check with the administration whether the use of smartphones instead of physical cards is allowed.

For experiments with NFC-We recommend you to buy a set of tags on AliExpress or in local electronics stores. They cost inexpensively (from 50 rubles for 10 pieces), and the possibilities for automation provide a lot of money.

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NFC-Tags can work even without an internet connection, making them a reliable tool for automation, such as a tag in a car that can turn on the navigator and play music when touched.

FAQ: Frequent questions about NFC on Xiaomi