Xiaomi smartphone owners often face the need to quickly pay for purchases in one touch, but the standard procedure for displaying the service SberPay on the main screen can have its nuances. Unlike the usual shortcuts of applications, contactless payment requires the correct configuration of the system components of NFC and Google Pay or their alternatives. Many users mistakenly look for a separate icon “SberPey”, not realizing that the functionality is built into the system settings or requires the creation of a special shortcut for instant access.
The reason for this is that the MIUI and HyperOS shell interfaces periodically change the logic of working with widgets and system applications. To make the payment process take seconds, you need to properly configure the device, making sure that all the necessary permissions are activated. In this article, we will discuss all possible ways, from configuring native Mi Pay to creating smart widgets that will allow you to run the payment interface instantly.
It is worth noting that the success of the operation depends on the version of the operating system and the presence of a short-term contactless module in your device. Without the built-in NFC module, it is technically impossible to implement contactless payment via your phone, no third-party programs will help here. Below are step-by-step instructions that will help you configure convenient access to the bank payment service.
Compatibility Check and Basic NFC Configuration
The first step before adding any payment tools to your desktop is to verify the hardware of your smartphone. You need to make sure that the NFC module is not only present in the specifications, but also works correctly at the software level. To do this, go to the settings menu and enter the acronym NFC in the search bar, then select the option you find to activate.
Once the function is enabled, the system will prompt you to select the default payment application. The list may display Google Pay, Mi Pay or third-party wallets. In order to work properly with Sberbank services in the current environment, you often need to choose Mi Pay or configure card emulation through HCE. If the list does not contain the desired option, you may need to update the system components or check the region of the device.
⚠️ Attention: If, after activation, NFC smartphone begins to heat up or discharge quickly, check whether the background is running the process of constant scanning tags with other applications.
It is also important to check whether the function is blocked by a carrier or banking security restrictions. Some models designed for certain markets may have software restrictions on the use of payment modules in specific regions.
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To quickly check the module, hold your phone to any contact card or travel card, and if the device emits an audible signal or vibration, the antenna is functional and ready to go.
Integration through the Mi Pay system application
The most stable way to organize payments on Xiaomi devices is to use the native Mi Pay application. This service is deeply integrated into the shell and allows you to display cards directly to the lock screen or the main screen for quick access. To get started, you will need a Mi Account account and an installed application, which often comes preinstalled.
The process of adding a card is as follows: once you start the application, you need to click the add button, select the type of payment system and take a picture of the card or enter the data manually. The system will verify through SMS code. Once successfully linked, you will be able to manage the cards directly from the system interface.
- 📱 Open the Mi Pay app and log in to your profile.
- 💳 Click the Add Card button and follow the instructions on the screen.
- 🔒 Follow the procedure of confirming identity through the code from the SMS from the bank.
- ⚙️ In the application settings, allow the widget to be displayed on the desktop.
Once you've set up, you can tag a specific card onto your desktop. To do this, hold your finger on the blank spot of the screen, select "Widgets" and find Mi Pay. Drag the widget on the screen and access to payment becomes instant. This is especially convenient when you need to quickly pay for a subway or shop without going through the phone menu.
☑️ Setup Mi Pay
Use of widgets of the SberBank Online application
If the use of the system wallet for some reason is impossible or inconvenient, the alternative is the widget of the SberBank Online application itself. Modern versions of the mobile application allow you to bring to the desktop not just an icon, but interactive controls, including quick access to payments for the user. QR-code.
To add a widget, you need to go to desktop editing mode. On most Xiaomi devices, this is done by a long tap over the free area of the screen or by pinching two fingers. In the menu that opens, select the “Widgets” section, find the SberBank application in the alphabetical list, and select your preferred size and display style.
| Type of widget | Functional | Requirements |
|---|---|---|
| Short (1x2) | Quick balance, login to the application | Android 8.0+ |
| Mean (2x2) | Operation history, rapid transfers | Android 10.0+ |
Some widgets may require additional permissions to display current information without logging in to the app. If the widget shows an error or doesn't update, try removing it and adding it again, after clearing the cache of the main application. Also make sure that the battery settings for the app don't have strict background activity restrictions.
Why has the widget stopped updating?
Creating a shortcut for instant payment
For those who value minimalism and speed, there is a way to create a special shortcut that immediately opens the payment interface, bypassing the main menu of the application. This is especially true for Android versions where support for native contactless payments is limited. We will use the function of creating action shortcuts, available through system tools or third-party utilities.
One of the easiest methods is to use the standard MIUI shell functionality to add application shortcuts. Search the Tools menu or search the Shortcuts app (or use the built-in long tap feature on the app icon). If standard means fail to create a shortcut for a specific action (such as Pay), you can use trusted third-party solutions from the directory.
Let’s look at the algorithm of actions to create a universal label:
- 🔍 Download a shortcut application, such as Shortcut Maker from a trusted source.
- 🏦 Find in the list of installed applications SberBank Online.
- ⚡ Select the action "Payment by Payment" QR» or «P2P translation».
- 🖼️ Call a shortcut by an understandable name, such as “Sber Payment”, and add to your desktop.
This approach allows you to create a whole dashboard of fast financial instruments, where you can put shortcuts next to different banks or specific payment recipients, and it turns your smartphone into a powerful financial tool, where the desired feature is in one tap away.
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Creating an individual shortcut for a specific action within the application saves up to 3-4 clicks with each payment, which significantly speeds up the process in the queue.
Setup unlock and payment security
The security of financial transactions on Xiaomi smartphone requires careful configuration of biometric authorization methods. Payment systems require proof of identity at each transaction, so the use of a fingerprint or Face ID (face unlock) is a prerequisite for comfortable use.
In your security settings, make sure that the payment method you are most comfortable with is the one you want to use. Some users prefer the fingerprint because it works faster and more reliably in bright sun, others unlock your face. Go to Settings → Passwords and Security → Privacy and check your payment data access settings.
⚠️ Note: Do not use simple graphic keys or repeating digit passwords (1234, 0000) to protect your payment application, as they are easy to peek from the side.
Also worth paying attention to is the application protection feature, which allows you to set an additional password to launch the SberBank or Mi Pay application in the MIUI shell, which creates a double security barrier: even if the phone is unlocked, you will need to re-authorize to access finances.
Solving problems with displaying icons
Sometimes users are faced with a situation where after all the settings, the icon or widget disappear from the desktop or stop responding to clicks, most often due to the work of the system optimizer, which “drowses” unused widgets to save battery power.
To prevent the widget from disappearing, add the app to the power saving exception list. Go to the battery settings, find the SberBank or Mi Pay app, and set the "No Limits" mode, and check if the app is hidden in the Tools folder or on the second page of the desktop, which often happens when you automatically sort it.
If the problem is programmatic, try the following:
- Clear the app cache through the application management menu.
- Remove and re-add the widget to the desktop.
- Check for updates for the system component of Google Play Services.
- Reboot the device to reset temporary interface errors.
In rare cases, the problem may be a design conflict. If you're using a third-party theme from MIUI Themes, try switching to a standard theme and checking to see if the widget will appear. Some themes incorrectly scale system widgets, making them invisible or non-clickable.