NextPay in Xiaomi: a complete guide to the service of cashless payments

If you own a smartphone, a smartwatch, or another Xiaomi gadget, you’ve probably heard of NextPay — but not everyone understands what it is or how to use it. In fact, it’s not just another payment app, but part of the company’s global strategy to build a closed-loop ecosystem. NextPay lets you pay offline, transfer money to friends, and even manage subscriptions to Mi services — all right from your device screen.

In this article, we will take a closer look at how NextPay works, what Xiaomi devices support it, how to set up a service on a smartphone or smartwatch, and discuss security and limitations. We will focus on nuances that are often overlooked in official instructions, such as why the service may not work in some countries or how to avoid double-debiting. If you plan to use NextPay for everyday payments, this information will help avoid typical errors.

What is NextPay and why is it needed in the Xiaomi ecosystem?

NextPay is Xiaomi’s own payment system, designed to integrate with its devices and services, essentially an analogue of Apple Pay or Google Pay, but with a focus on the Mi ecosystem.

• 💳 Link bank cards (Visa, Mastercard, UnionPay) and pay for purchases in stores through NFC.
• 📱 Payments via Xiaomi’s online services (for example, for Mi Cloud subscriptions or Mi Store purchases).
• 🔄 Transfer money to other Xiaomi users by phone number or ID Mi Account.
• 📊 Tracking transaction history and managing subscriptions in one place.

NextPay’s main difference from competitors is deep integration with firmware MIUI For example, on Xiaomi smartphones, the service can automatically offer payment in supported applications, and on Mi Band or Xiaomi Watch smartwatches, it can unlock access to payments without entering. PIN-code (provided that the gadget is worn on the hand).

It is important to understand that NextPay is not a standalone application, but part of the Mi Account infrastructure, which means that you must have a Xiaomi account and verified personal information to use it (passport binding is required in some countries).

What Xiaomi devices support NextPay

NextPay is not available on all Xiaomi gadgets, but only on those that meet two key requirements:

1. Presence of the module NFC (for contactless payments in offline stores).
2. Firmware support MIUI 12.5 or later (or HyperOS for modern models).

Below is a table with the devices that officially support NextPay for 2026:

⚠️ Note: On devices with custom firmware (e.g. LineageOS) or unlocked NextPay bootloader, the service may not work due to security restrictions. ROM), unless they have been officially adapted for global use.

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Before buying a Xiaomi device, check for a logo NFC on the box or in the specifications – without it, contactless payments via NextPay will not be available.

How to configure NextPay on Xiaomi smartphone: step-by-step instructions

To start using NextPay, follow the following steps:

1. Make sure that the smartphone has the current version installed. MIUI or HyperOS (update via Settings) → The phone. → Updating the system).
2. Sign in to your Mi Account (or create a new one).
3. Go to Settings. → Connections and sharing → NFC and activate the function.
4. Open the Wallet app (credit card icon) and select Add Card.
5. Follow the instructions on the screen to link the bank card (you will need to enter card data and confirm via the SMS bank).

Once the card is attached, it can be used to pay in stores that support contactless payments.

1. Unlock your smartphone.
2. Bring it to the terminal at a distance of 2-5 cm.
3. Confirm the payment with a fingerprint or PIN-code (depending on security settings).

⚠️ Note: If the terminal does not recognize the card through NextPay, try restarting the smartphone or temporarily disabling the Quick Pay feature in the settings NFC. In some cases, re-binding the card helps.

NextPay on Xiaomi smart watches: how to tie and use

Xiaomi smartwatches (like Watch 2 Pro or Watch) S3) It also supports NextPay, but with a number of limitations:

• 🔗 Watches should be tied to Xiaomi smartphone with NextPay configured.
• 🔋 The charge level of the watch must be at least 20% (otherwise payments are blocked).
• 🔒 Input is required for safety PIN-code on the clock with each payment (setting changes in the Mi Fitness app).

To adjust the payment from the clock:

1. Open the Mi Fitness app on your smartphone.
2. Go to the Device section → Xiaomi Watch → purse.
3. Select the card linked to NextPay and confirm synchronization.
4. Wait for the notification on the clock for a successful setup.

For payment from the clock:

1. Twice click the physical button (or use a gesture if supported).
2. Select NextPay card from the payment menu.
3. Bring the watch to the terminal and confirm the payment on the screen.

NextPay Security: How to Protect Your Money

NextPay uses a multi-level protection system, but the user should also take precautions:

• 🔐 Enable two-factor authentication for your Mi Account (in your security settings).
• 📱 Set up a smartphone screen lock (PIN, graphical key).
• 🛡️ Turn off Auto Unlock in NextPay settings if you use it in public places.
• 📵 Do not hand over your smartphone or watch to anyone with a tied card.

NextPay does not store card data on the device, instead it uses tokenization (replacing the card number with a unique identifier).

1. Immediately block the device through Xiaomi search service.
2. Delete the card from NextPay in the Mi Account settings (Payments section).
3. Contact the bank to block the original card (in case the data was compromised).

⚠️ Note: In some countries (e.g. Russia), NextPay may be restricted by sanctions lists or blocking of banking systems. Before linking the card, check with your bank whether transactions through Xiaomi Pay are supported (as the service is called in some regions).

NextPay Limitations and Problems: What You Need to Know

Despite the convenience, NextPay has a number of limitations:

• 🌍 The service is not officially available in all countries, for example, in Europe and the United States, its functionality may be reduced due to local regulations.
• 💰 Transaction limits are set by the bank, not Xiaomi.Exceeding the limit requires confirmation through the bank. SMS bank-app.
• 📵 On some terminals, payments via NextPay may not be made due to protocol incompatibility. NFC.
• 🔄 When changing your smartphone or resetting your settings, you will have to re-bind the cards.

Typical problems and their solutions:

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If you travel frequently, check with your bank before you travel to see if NextPay transactions are blocked in your destination country, and some banks automatically restrict payments through “non-standard” services abroad.

NextPay alternatives: what to choose if the service is not suitable

If NextPay is not available in your region or is not satisfied with the functionality, consider alternatives:

• 🍎 Apple Pay – for iPhone owners (but not compatible with Xiaomi).
• 🤖 Google Pay – works on most Android devices, including Xiaomi.
• 🏦 Samsung Pay – if you have a Samsung smartphone (supports) MST for old terminals).
• 💳 Banking applications – many banks (Sberbank, Tinkoff, etc.) offer their own solutions for contactless payments.

The advantages of NextPay over competitors:

• ⚡ Instant integration with Xiaomi ecosystem (e.g., paying for Mi Cloud subscriptions in one click).
• 🔄 Synchronization between devices (smartphone, watch, tablet).
• 🎁 Bonuses and cashback for purchases in the Mi Store (promotions are held regularly).

Disadvantages:

• 🌐 Geography is limited (unlike Google Pay, which works almost everywhere).
• 🛠️ Firmware dependency MIUI/HyperOS (custom-made ROM The service may not work).

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If you often use contactless payments, keep a spare card in your wallet with a NFC-If your smartphone is discharged or NextPay fails, you can pay in the traditional way.

FAQ: Answers to Frequent Questions About NextPay