Contactless payment with Xiaomi Redmi Note 7 without NFC: full guide 2026

Xiaomi Redmi Note 7, released in 2019, is still popular due to its balanced specs and affordable price. NFC In the basic version of the device, it limits the ability to contactless payments via Google Pay or Mi Pay, but this does not mean that owners will have to part with the convenience of paying with their phone.

In this article, we will discuss 5 proven ways to set up contactless payment on Redmi Note 7 without any problems. NFC — use-out QR-codes prior to integration with banking applications and external accessories, each method tested on current software versions (MIUI 14 and Android 12) and includes step-by-step instructions tailored to the specifics of the model, with a focus on security and speed optimization.

If you’re looking for a way to pay for your smartphone without buying a new device, this guide is for you. And if you already have experience using alternative methods, share it in the survey below!

1. Payment through QR-codes

The most universal method for the Redmi Note 7 is the use of dynamic QR-Most Russian banks (Sberbank, Tinkoff, VTB, Alfa-Bank) support this function, and terminals with the help of the Internet. QR-scanners are installed in most stores, from Pyatok to M. Video.

Advantages of the method:

• 🔹 No, he doesn't. NFC — It works on any smartphone with a camera.
• 🔹 Instant payments – confirmation takes 2-3 seconds.
• 🔹 Safety for everyone QR-The code is valid for a limited time (usually) 2-5 minute).
• 🔹 Cashback and bonuses – many banks offer increased cashback for payment QR.

How to set up (on the example of Sberbank Online):

1. Open the bank application and log in.
2. Go to the Payments section → Payment on QR.
3. Press Generate. QR and select an account/card to write off.
4. Show the code to the cashier or scan it yourself at the self-service terminal.

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If QR-code is not scanned, try to increase the screen brightness to maximum or enable Read mode in the display settings (Settings) → Screen. → Reading mode).

Limitations of the method:

• ⚠️ Not all small shops are equipped. QR-terminal.
• ⚠️ A stable Internet is required (3G/4G or wifi).

2.Speed payment system (SBP) – payment by phone number

The Bank of Russia’s SBP (Fast Payment System) allows money to be transferred between accounts of different banks by phone number. Many online stores and services (e.g. Yandex.Market, Ozon, Wildberries) support payment through the SBP, making this method a convenient alternative. NFC.

How it works on the Redmi Note 7:

• 📱 Choose the product in the store and move to payment.
• 🔍 In payment methods, choose the Quick Payment System (SBP).
• 📞 Enter the phone number linked to the bank card.
• 🔐 Confirm payment in the application of your bank (push notification or SMS).

Advantages of BPS:

• 🔹 Instant translations (up to 15 seconds).
• 🔹 Low commissions (usually) 0-0,5% against 1-3% elsewhere).
• 🔹 It works without the internet on the recipient side (if you have one). SMS).

How to connect to the SBP (if not already connected):

1. Open your bank’s app (such as Tinkoff or Alpha Click).
2. Go to the map settings → Connect the SBP.
3. Link your phone number to your card (if not tied).
4. Confirm the connection to SMS.

Mobile Internet is on on the phone.|Bank's appendix updated|Phone number tied to card|There's enough money on the map.-->

⚠️ Attention: Some banks set limits on SBP payments, such as Raiffeisenbank, which has a limit of 100,000. ₽ A month, and in Discovery, 60,000. ₽. Check the conditions in your bank.

3.External NFC-tags and smart cards

If contactless payment is critically important for you (for example, for travel in transport), you can use external payment. NFC-This method requires additional costs (from 300 to 1,500) ₽), but it provides a full-fledged NFC-functionality.

Options:

How to set up NFC-sticker:

1. Buy a compatible sticker (for example, NTAG213/215/216).
2. Download the application to record (for example, NFC Tools from Google Play).
3. Link the card in the banking application (for example, in Sberbank Online select Add to the Apple/Samsung Pay → Other devices).
4. Write down the card data on a sticker through NFC Tools.
5. Stick the sticker to the back of the phone (preferably under the cover).

⚠️ Not all banks support the recording of cards to external NFC-For example, Tinkoff blocks these transactions for security reasons.

Important: External NFC-Tags do not support dynamic code generation (as in Google Pay), so their security is lower.

4. Payment through instant messengers (Telegram, Viber, WhatsApp)

Many instant messengers have integrated payment systems that allow you to transfer money directly in chat, which is convenient for paying for services, transfers to friends or purchases in small online stores. On the Redmi Note 7, this method works without any complaints, because it does not require any payment. NFC or special equipment.

Where payment is available through messengers:

• 📌 Telegram – bots for payment (@Wallet, @PayBot) and embedded payments in channels.
• 📌 Viber – payment via Viber Pay (card binding) Mastercard/Visa).
• 📌 WhatsApp – payments via WhatsApp Pay (so far only for maps of the world in Russia).

How to set up payment in Telegram:

1. Open a bot for payments (for example, @Wallet).
2. Link your bank card to the wallet menu → Add a map.
3. Send a team to pay. /pay and follow the instructions.
4. Confirm the payment via a push notification from the bank.

Advantages of the method:

• 🔹 Instant transfers between users.
• 🔹 No commission for transfers between cards of the same bank.
• 🔹 Convenient for paying for services (such as taxis or freelancers).

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Payment via instant messengers is suitable for transfers between people, but does not replace full contactless payments in stores. QR-codes.

5. Alternative payment services (UMoney, Qiwi, WebMoney)

If your bank does not support you QR-Payment or SBP, you can use electronic wallets. Services like YuMoney (formerly Yandex.Money), Qiwi or WebMoney allow you to link the card and pay for purchases through generation. QR-code or sending a payment link.

How to pay via YuMoney:

1. Download the YuMoney app and register.
2. Link the bank card in the section Wallet → Maps.
3. For payment in the store: Open Pay → QR-Show the code to the cashier or scan it at the terminal.

Comparison of services:

⚠️ Note: When paying via e-wallets, some stores may charge an additional fee (up to 3.

6. Payment via browser (Samsung Pay, Mir Pay)

Some payment systems, such as Samsung Pay or Mir Pay, offer web versions of their services, which allows you to pay for purchases online without being tied to the Internet. NFC. For example, Samsung Pay can generate a one-time card for payment on sites, and Mir Pay supports payments on the Internet. QR browser.

How to pay through Mir Pay in the browser:

1. Open the mirpay.ru website in Chrome or Mi Browser.
2. Sign in through a partner bank (for example, Sberbank or VTB).
3. Choose to Pay by QR And scan the terminal code.
4. Confirm the payment in the banking application.

Limitations of the method:

• ⚠️ It only works with maps of the world.
• ⚠️ Not all online stores support Mir Pay.

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If you have a MIR card, register with Mir Pay - this will give you access to exclusive discounts in some stores (for example, in Magnet or the Crossroads).

Comparison of methods: which one to choose?

To determine the best payment method for Redmi Note 7 without NFC, We evaluate each method according to key criteria:

Selection recommendations:

• 🛒 For the shops: QR-codes.
• 🚌 For transport: external NFC-marker.
• 💸 For translations: messengers or SBP.
• 🌐 For online purchases: Mir Pay or banking applications.

FAQ: Frequent questions