What is the name of payment by Xiaomi phone through touching the terminal – understand NFC, Mi Pay and Google Pay

You stand at the cash register, you take out a Xiaomi smartphone, you put it on the terminal, and it's paid in a second, but what's the right name for this technology? You hear "payment by phone," "contactless payment," "appendage to the terminal," and sometimes even "magic," and actually, this way of calculating has clear technical names, and it depends on what service you use and what model Xiaomi holds in your hands.

In this article, we will not only answer the question “what is the name of payment by phone through touching the terminal on Xiaomi”, but also:

• 🔍 Let’s look at all the names of the NFC (Technology up to Mi Pay and Google Pay (services).
• 📱 Let’s see what models Xiaomi, Redmi and POCO Support contactless payments (including budgetary payments).
• ⚙️ We will give step-by-step instructions for setting up - from linking the card to the first payment.
• 💳 Compare Mi Pay and Google Pay: where are the fees lower, where are more banks, and what to choose for traveling abroad.

Spoiler: If you're looking for one generic name, it's not. But after reading this article, you can tell exactly what technology you're using on your Xiaomi.

1.Tech vs Service: Why Paying by Phone on Xiaomi Has Multiple Names

The main confusion is that contactless payments from a smartphone are multi-layered, and each layer has its own name:

1. Hardware level: NFC-Near Field Communication is a module in a phone that communicates with a terminal at a distance of up to 10 cm.
2. Software layer: an intermediary application (Mi Pay, Google Pay, Samsung Pay, etc.), which encrypts card data and transfers them to the terminal.
3. Bank layer: A virtual card or tokenized number that is linked to your real account.

When you ask “what is the name of a phone payment,” you may mean:

• 📶 Technology — NFC (It’s like saying “pay over Wi-Fi” without specifying which messenger you’re using).
• 💳 Service – Mi Pay or Google Pay (how to say “pay via WhatsApp»).
• 🏦 A banking product, such as Mir Pay or SberPay (if you use a specific virtual card).

Xiaomi is most often used combination NFC + Mi Pay (for Chinese and global models) or NFC + Google Pay (for devices with Google services!

2. NFC Xiaomi: What models support contactless payments

Before you set up your payment, make sure your Xiaomi supports you at all. NFC. This technology is not available in all models, especially in the budget series Redmi and the Redmi. POCO.

Here is the current list of Xiaomi lines with NFC (2026):

It is important that you have a model in your NFC, It can be blocked for payments in some regions (for example, in Chinese versions of phones for the European market).

Check availability NFC possible:

1. In the characteristics on the Xiaomi website (look for the line «NFC: Yes»).
2. In the phone settings: Settings → Connection and sharing → NFC.
3. Through the app CPU-Z (Sensors" tab» → «NFC Support»).

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If your model is not NFC, I would love to pay for contactless payments, consider this. NFC-Stickers like Xiaomi Mi Band or bank stickers stick to the back of the phone and emulate the card.

3.Mi Pay: Xiaomi's branded contactless payment service

Mi Pay is Xiaomi’s own payment service that runs on the base of the service. NFC. It is pre-installed on most of the brand’s phones (except for devices for the European market, where Google Pay is used instead).

Features of Mi Pay:

• 🌍 It's in China, India, Russia and some Asian countries, and it's not in Europe or the United States.
• 💳 Supports Visa, Mastercard, UnionPay cards, as well as local systems (for example, World in Russia).
• 🔒 Uses tokenization (virtual card numbers) like Apple Pay.
• 📱 It works even without the Internet (data is stored in a secure chip of the phone).

What is the cost of payment through Mi Pay:

1. Unlock your phone (PIN, fingerprint or Face ID).
2. Attach the top of the smartphone to the terminal.
3. Wait for vibration and sound signal.
4. There's a check on the screen.

The main advantage of Mi Pay is that it does not require you to open the application before paying (unlike Google Pay in some countries), just unlock the phone and attach it to the terminal.

4.Google Pay on Xiaomi: Mi Pay alternative for global models

If your Xiaomi was sold officially in Europe, the US or other regions, you probably have Google Pay instead of Mi Pay (now called Google Wallet, but the payment functionality has remained the same).

The difference between Google Pay and Mi Pay is:

How to set up Google Pay on Xiaomi:

⚠️ Note: If you use Xiaomi with custom firmware (e.g. Xiaomi.EU), Google Pay may not work due to lack of Google SafetyNet certification.The solution is to install the Magisk module with a patch for SafetyNet.

5. Other methods of contactless payment on Xiaomi: SberPay, Mir Pay, banking applications

In addition to Mi Pay and Google Pay, you can pay on Xiaomi via:

• 🏦 SberPay / Mir Pay: virtual cards from Sberbank and NSPK, which work through the NFC. Supported in Google Pay and some banking applications.
• 📱 Banking applications: for example, Tinkoff, Alfa-Click, VTB Online have a built-in payment NFC (Does not require Google Pay).
• 💎 Cryptocurrency wallets: some services (e.g. Binance Pay) allow you to pay with crypto NFC, But it only works in some stores.

Which way to choose?

• 🇷🇺 In Russia, SberPay or Mir Pay are most convenient – they work everywhere where they accept the Mir card».
• 🌍 For travel abroad better Google Pay with a card Visa/Mastercard.
• 💰 If cashbacks are important, use a banking application (for example, Tinkoff gives it). +1% for phone payments).

⚠️ Attention: if you link the card to several services at the same time (for example, Google Pay and Sberbank Online), the terminal may “mix up” which card to read.

6. Step-by-step instructions: how to set up phone payment on Xiaomi

Let’s analyze the universal algorithm for configuring contactless payments (suitable for Mi Pay and Google Pay):

1. Check it out. NFC: Go to Settings. → Connection and sharing → NFC If you don't have a point, your model doesn't support payments.
2. Select service: For Mi Pay: Open the app (usually preinstalled). For Google Pay: download from Play Market.
3. Add the card: In Mi Pay: click "Add card» → scan or enter data manually. In Google Pay: tap on «+» → «Card to pay».
4. Confirm in the bank: the bank will send SMS A code or push notification to your app.
5. Set up security: In Settings → Password and security add a fingerprint or pattern lock for quick unlocking.
6. Check the payment: Attach the phone to the terminal in the store (the amount can be any, even 1 ruble).

If payment fails:

• 🔄 Reboot the phone.
• 📶 Check if it's on. NFC Mobile Internet (for the first payment in Google Pay).
• 💳 Make sure the card supports contactless payments (it must have the PayPass or PayWave logo on it).
• 📱 Update the Mi app Pay/Google Pay until the latest version.

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If the terminal gives an error "Card is not supported", try to link the same card through another service (for example, instead of Mi Pay - Google Pay), sometimes banks block tokenization for specific applications.

7.Security: How to Protect Contactless Payments on Xiaomi

Paying by phone is convenient, but many users fear that fraudsters will be able to read card data from a distance, and we will analyze the real risks and how to minimize them.

Myths and Facts About Security NFC-payment:

• ❌ Myth: Fraudsters can charge money from their phone in the subway». ✅ Fact: To pay, the phone must be unlocked, without your fingerprint or PIN-write-off.
• ❌ Myth: «NFC transmits the card number to the terminal». ✅ Fact: It's a one-time token, not a real card, and even if it's intercepted, you can't use it.
• ❌ Myth: If the phone is stolen, the scammers will pay for it all». ✅ Fact: Most terminals require confirmation (PIN or biometrics for payments over 1000-5000 rubles.

How to strengthen protection:

1. Enable the lock by fingerprint or Face ID safety-setting.
2. In Google Pay, turn off the option “Allow payments when your device is locked.”
3. Set a limit on contactless payments in the bank’s application (e.g. 5,000). ₽ day-to-day).
4. Use virtual cards to link to Mi Pay/Google Pay (for example, in Tinkoff or Sberbank Online»).

⚠️ Note: If you sell or transfer your Xiaomi to another person, be sure to remove all cards from the Mi. Pay/Google Pay and perform resetting (Settings) → The phone. → Otherwise, the new owner will be able to pay with your cards!

FAQ: Answers to Frequent Questions