How to link a bank card to Xiaomi Redmi 9 for payment by phone: the complete guide

Why Paying by Phone Is More Convenient Than Cash and Plastic Cards

Contactless payments via a smartphone have long ceased to be a curiosity — it is a standard way of payment in stores, cafes and transport. owners of Xiaomi Redmi 9 can use their phone instead of a bank card, but this requires the right system setup. Unlike flagship models, the Redmi 9 has nuances with support for NFC (depending on the region and version of the device), which affects the choice of how to link the card.

This article will help you understand how to add a payment card to Xiaomi Redmi 9 – from checking the compatibility of the device to setting up Google Pay, Mi Pay and other services. We will cover all the steps from preparing the phone to the first successful transaction, and also tell you what to do if the payment does not work.

Step 1: Testing NFC Support on Xiaomi Redmi 9

Before you tie your card, make sure your Xiaomi Redmi 9 supports NFC (Near Field Communication) technology. Not all versions of this smartphone are equipped with a contactless payment chip:

• 📱 Redmi 9 (global version, model) M2004J19G) — NFC It is only present in certain regions (e.g. Europe).
• 📱 Redmi 9 (Indian version, model) M2004J19I) — NFC absent.
• 📱 Redmi 9 Prime / Redmi 9 Power — NFC It's in all the modifications.

To check for NFC:

1. Open Settings → Connected devices → Connection and Sharing.
2. Scroll down and find the NFC, and if you don't have one, your model doesn't support contactless payments.

If NFC You can still pay for your purchases via phone, but in other ways: QR-But if you want to use a card that's completely re-transferable, you need to use a card that's completely re-transferable. NFC.

⚠️ Some sellers position the Redmi 9 as a model with a high-performance NFC, But in reality, the chip may not be available. Before buying, check the specifications with the official seller or check through the service IMEI.info.

Step 2: Prepare your phone to link the card

Before adding a card, several mandatory actions must be performed:

Update the firmware to the latest version MIUI|Install or update Google Pay/Mi Pay|Turn it on. NFC customized|Connect your phone to the Internet (Wi-Fi or mobile network)|Make sure there is enough money on the card for the first transaction.-->

The firmware update is critical: older versions of MIUI may not have current security certificates for payment systems.

1. Go to Settings → About the phone → System update.
2. Click Check Updates and install the latest version.

Also check if Google Play Protection is enabled:

1. Open Settings → Google → Security.
2. Activate Threat Scanning and Improved Web Search options.

This will help avoid blocking payments due to suspicious activity: Banks often block transactions from devices that have security features disabled.

Step 3: Linking a card through Google Pay

Google Pay is the most universal payment method for Xiaomi Redmi 9, if the device has NFC. the Service supports the cards of most Russian and international banks: Sberbank, Tinkoff, VTB, Alfa-Bank, Raiffeisen and others.

Instructions for adding a map:

1. Download the Google Pay app from Google Play.
2. Open the app and click Add the card.
3. Choose a Credit or Debit Card.
4. Scan the card with the camera or enter the data manually (number, expiration date, CVV).
5. Confirm the addition via SMS or push notification from the bank.

Once the link is successfully linked, the card will appear on the list to pay for the purchase:

1. Unlock your phone (PIN, fingerprint or Face ID).
2. Bring the top of Redmi 9 to the terminal at a distance of 2-5 cm.
3. Wait for the sound signal or vibration – the payment has passed.

💡

If the terminal is not responding to the phone, try to disable the case - some materials (metal, magnets) block the NFC signal.

⚠️ Note: Some banks limit the amount of the first transaction through Google Pay (usually up to 1,000-3,000 rubles.

Step 4: Alternative ways to link the card (without NFC)

If your Xiaomi Redmi 9 doesn’t support NFC, you can pay for your purchases in other ways:

• 💳 QR-Codes: Services like SberPay, Tinkoff Pay or Yandex Pay allow you to generate QR-The seller scans it through his terminal.
• 📱 Mobile banking: Bank applications (Sberbank Online, VTB Online) often support payment QR or by transferring the seller's phone number.
• 🔄 Virtual cards: Some banks (e.g. Tinkoff) allow you to create a virtual card for one-time payments over the Internet.

To pay through QR-code:

1. Install the bank application (for example, Sberbank Online).
2. Log in and find the Pay by QR section.
3. Put the camera on QR-Terminal code or show your own QR seller.

The disadvantage of this method is that not all stores support QR-But in large networks (e.g., Pyatio, Magnet, Auchan), this method works consistently.

Step 5: Set up Mi Pay (for NFC users)

Mi Pay is Xiaomi’s proprietary payment service that works on NFC devices.It supports a limited number of banks, but can be useful if Google Pay isn’t suitable for some reason.

To add a card to Mi Pay:

1. Open the Mi Pay app (if not, download it from Google Play).
2. Click Add Card and select the bank from the list.
3. Enter the card details and confirm via SMS.
4. Create. PIN-Mi Pay code (it will be requested at each payment).

Mi Pay’s list of supported banks is smaller than Google Pay’s, but includes major Russian banks, and the main advantage of the service is integration with MIUI: payment is faster, since you do not need to open a separate application.

To pay for your purchase via Mi Pay:

1. Unlock the phone.
2. Twice press the power button (setting is included in Settings → Lock screen and password → Quick action).
3. Bring the phone to the terminal and enter PIN-code code code.

⚠️ Note: If you use Mi Pay abroad, check with your bank to see if the card is unlocked for international transactions.

Step 6: Solving Payment Issues

If after linking the card payment does not pass, check the following points:

If the problem persists, try:

• 🔄 Remove and add the card to the payment service.
• 📱 Reset network settings (Settings) → System system → Resetting settings → Resetting Wi-Fi, Mobile Network and Bluetooth).
• 🔧 Check if there are no change apps on the phone IMEI System settings (banks block such devices).

If your Xiaomi Redmi 9 is purchased in China (the local version), payment services may not work due to lack of Google certification, in which case the only way out is to flash the global version of MIUI or use alternative payment methods (QR, mobile banking).

FAQ: Frequent questions about paying with a phone on Xiaomi Redmi 9