Paying by phone on Xiaomi: full instructions for setting up NFC, Mi Pay and Google Pay

Why Paying with a Phone on Xiaomi is Better Than a Card

Contactless payments via a smartphone are no longer a curiosity — today it is the standard of security and convenience. Xiaomi smartphones (including the Redmi, POCO and Black Shark lines) support NFC technology, which allows you to pay for purchases with one touch to the terminal. But not all users know how to properly configure this feature to avoid payment errors or problems with bank cards.

In this article, we’ll look at all the ways Xiaomi pays with its phone, from standard Google Pay to its Mi Pay service, which works even without the internet. You’ll learn which models support contactless payments, how to add a card, which banks are cooperating with Mi Pay in 2026, and what to do if the terminal does not accept payment. And also unique security hacks that you won’t find in official instructions.

What Xiaomi smartphones support phone payment

Not all Xiaomi devices are equipped with an NFC chip, depending on the model and the region of sale. For example, the budget smartphones Redmi 9A or POCO M3 in the basic configuration often come without a module, while flagships (Xiaomi 14, Black Shark 6 Pro) support contactless payments out of the box.

To check for NFC on your device:

1. Open Settings → Connections and Sharing → NFC.
2. If there is no item, check the characteristics of the model on the official Xiaomi website or in the GSMArena service.

Here is the current list of models with NFC (2022-2026):

⚠️ Note: Some models (e.g. Redmi Note 11 Pro)+ 5G for India) NFC It can be software-disabled, and in this case, the firmware of the global version will help. MIUI.

Preparing a smartphone for contactless payments

Before you set up your payment, make sure your Xiaomi is ready to work with NFC:

• 📱 Update. MIUI Up to the latest version (check in Settings) → The phone. → Update of the system: Older versions of the software may not support Mi Pay or Google Pay.
• 🔒 Set a pattern lock or PIN-Without the screen lock, contactless payments won't work.
• 🌐 Connect to the Internet (Wi-Fi or mobile network). To add a card to Mi Pay or Google Pay requires a bank check.
• 💳 Check your credit card. It should support Mastercard Contactless or Visa PayWave technology (usually marked with a logo on the card).

If you use Mi Pay, you will also need to:

• 📌 Link your Xiaomi account (without it, the service does not work).
• 🇷🇺 For Russian users, a partner bank card (Sberbank, Tinkoff, VTB, etc.) See the full list on the Mi Pay website.

Make sure the model supports the NFC

Update MIUI to the latest version

Install PIN-code

Connect to the Internet

Check your bank card for contactless payments-->

Payment settings via Mi Pay (official Xiaomi service)

Mi Pay is a proprietary solution from Xiaomi that works even without the Internet (card data is stored in a secure smartphone chip), the service is available in Russia, China, India and some countries in Europe, the main advantage is the support of offline payments and integration with the Xiaomi ecosystem (for example, payment through Mi Band).

To set up Mi Pay:

1. Open the Mi Pay app (if not, download from Google Play or AppGallery for Chinese models).
2. Sign in through your Xiaomi account.
3. Click Add a card and scan it with the camera or enter the data manually.
4. Confirm the binding via SMS from the bank (the code will come to the number associated with the card).
5. Create. PIN-Mi Pay code (it will be requested at each payment).

After adding the map:

• 🔄 Activate the option to Pay without the Internet in the Mi Pay settings (does not work in all countries).
• 📱 Turn it on. NFC In the notification curtain or in the Settings → Connections → NFC.
• 💳 To pay, bring the phone to the terminal (distance is no more than 5 cm) and confirm the transaction with a fingerprint or PIN-code.

⚠️ Attention: In Russia with 2026 Mi Pay supports only MIR cards and some debit cards of international payment systems (Visa/Mastercard Please check the current list of banks on the Mi Pay Russia website.

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If the terminal does not accept payment via Mi Pay, try disabling and turning on NFC again. Sometimes it helps to reboot the phone or reset the app settings (in Settings → Applications → Mi Pay → Storage → Clear data).

Google Pay Setting Up on Xiaomi (Mi Pay Alternative)

If Mi Pay is not available in your area or does not support your card, use Google Pay (now Google Wallet), which works with most banks in the world and supports virtual cards, discount coupons and travel cards.

Instructions for setting:

1. Download Google Wallet from the Play Market (if not, upgrade to Google Play Services).
2. Open the app and click Add the card.
3. Select the type of card (debit/credit) and scan it or enter the data manually.
4. Confirm the addition via SMS or push notification from the bank.
5. Come up with it. PIN-The code for Google Pay (it is different) PIN-map-code!).

Features of payment via Google Pay on Xiaomi:

• 🔄 It only works when it's on. NFC and unlocked screen (does not require you to open the application).
• 🌍 Supports virtual cards (e.g. from Revolut, Tinkoff).
• 🚇 Some cities can be linked transport cards (Troika, Strelka).

To make the payment work faster:

• 📍 Set Payment Application Priority in Settings → Connections → NFC → Pay by default and select Google Pay.
• 🔋 Enable Quick Unlock in Security Settings (to avoid entering) PIN at every).

Mi Pay vs Google Pay: What’s Best for Xiaomi

The choice between Mi Pay and Google Pay depends on your region, bank and habits.

If you pay frequently on the subway or use virtual cards, go to Google Pay. If speed and offline mode (such as when traveling) are important, choose Mi Pay.

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In Russia, since 2026, Mi Pay is more reliable than Google Pay for payment with MIR cards, but inferior in support of transport applications.

Solving Common Problems With Paying for Phones

Even after setting up properly, contactless payments may not work, and here are the typical errors and ways to fix them:

1.The terminal doesn't see the phone

• 📵 Check if it's on. NFC (cluttered).
• 🔋 Make sure the battery is not discharged (at a charge level below 5% NFC may be off).
• 📱 Reboot your phone – sometimes the module NFC "hanging".
• 💳 Try another terminal (some older devices don't support new protocols).

2. Error in adding a card

• 🏦 Check with the bank if it supports the Mi. Pay/Google Pay.
• 📱 Update the app and Google Play Services.
• 🔄 Try adding a map through another Google account (for Google Pay).
• 🇷🇺 In Russia, Mi Pay may be required VPN map-in.

3.Payment passes, but is written off twice

This is a rare error associated with delaying payment processing.

• 🛑 Do not move your phone away from the terminal until confirmation is received.
• 📵 Turn off Automatic Repayment in Mi settings Pay/Google Pay.
• 🏦 Check your mobile bank transaction history – usually one of the transactions is canceled automatically.

⚠️ Warning: If you lose a phone with a configured payment, immediately block the cards via the Internet bank and remove them from the Mi. Pay/Google Pay from another device (via the web version of the service).

Contactless Payments: How to Protect Your Money

Paying by phone is convenient, but requires a heightened focus on security, here are 5 rules that will save your money:

• 🔐 Use the complex PIN-A pattern lock or fingerprint is an additional protection, but not the main one.
• 🚫 Turn it off. USB-debugging → For developers, if you don't use it, it will prevent access to map data through a PC connection.
• 📵 Don't store map photos in the phone gallery, and attackers can recover data from deleted images.
• 🔄 Check your mobile bank transaction history regularly, and if you have suspicious charges, block your card immediately.
• 🛡️ Install an antivirus (such as Dr.Web or Kaspersky) and scan your phone for spyware.

Additional measures for Xiaomi:

• 🔒 Include Application Protection in Settings → Privacy → Special permits → Application protection and add Mi to it Pay/Google Pay.
• 📱 Set up Remote Management via Xiaomi account (allows you to lock your phone when you lose it).

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If you sell or give away your phone, be sure to remove all cards from Mi Pay/Google Pay and reset to factory settings. Card data can remain in secure storage even after deleting your account!

FAQ: Frequent questions about paying by phone on Xiaomi