NFC on Xiaomi Redmi 9 for Sberbank: full instructions for setting up and paying

Contactless payments via NFC on Xiaomi Redmi 9 have become an integral part of everyday life, but many users still face difficulties in setting up this feature for working with Sberbank. Unlike flagship models, the budget Redmi 9 has its nuances in activating the module and binding bank cards - especially if we are talking about Russian payment systems after the departure of Google Pay.

In this article you will find a step-by-step instruction taking into account the current realities of 2026: how to check the presence of the NFC-The chips in your version of the smartphone (not all Redmi 9 versions support it!), which apps have replaced Google Pay to work with Sberbank, and why sometimes the terminal does not see the phone when paying. MIUI Russia, which affects stability NFC-Payments and we will give a checklist for diagnosis of problems.

Check NFC support for Xiaomi Redmi 9

Before you set up contactless payments, make sure your Redmi 9 is equipped at all. NFC-The thing is, not all versions of this smartphone support the technology, depending on the regional version and release date.

Here's how to check it out:

• 🔍 Go to Settings. → The phone. → Complete specification and find the item NFC. If it is not, your model does not support the function.
• 📦 Look at the box of the smartphone: on the sticker with the characteristics should be a logo NFC (usually next to Wi-Fi and Bluetooth icons).
• 🛠️ Use the app. CPU-Z (available in RuStore: Sensors will indicate the presence of a chip NXP PN54T or similar.

If NFC is missing, you can't add it hardwarely, which is a matter of circuitry, and then the alternative is:

• 💳 Linking the card of Sberbank to Samsung Pay on another device (if there is one).
• 📱 Use of the QR-codes for payment through the application SberBank Online.
• 🔄 Purchase of external NFC-adapter (e.g., adapter, NFC Ring, but it's inconvenient for everyday use.

⚠️ Note: Redmi 9 with firmware for the global market (e.g, MIUI Global) NFC It can be turned off at the software level even if you have a chip, and then only the Russian version of the flashing will help. MIUI RU.

Activation. NFC-module MIUI

If the chip is present, the next step is to turn it on. In MIUI, the path to NFC settings may vary depending on the firmware version.The current route for Redmi 9 in 2026 is:

1. Open Settings (the gear icon on the main screen).
2. Go to Connections and Sharing (or Wireless Networks in older versions).
3. Slip on NFC.
4. Activate the switch on at the top of the screen.
5. In the default Payment section, select SberBank Online or Mi Pay (if used).

Once turned on, it is recommended not to manually disable NFC - this can lead to payment failures.The MIUI system automatically puts the module into energy-saving mode when it is not in use.

Activated NFC in settings

SberBank Online application is installed (version not lower than 10.0)

Card added to mobile wallet

Phone unlocked (some terminals require)

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If the NFC item is not on the menu, try:

• 🔄 Update the firmware to the latest version through Settings → Updating the system.
• 📲 Install the application NFC Tools from RuStore – it can force activate the module.
• 🔧 Reset network settings: Settings → System system → Resetting settings → Resetting Wi-Fi, Mobile Network and Bluetooth.

Setting up Sberbank for contactless payments

Since 2022, Google Pay has ceased to work in Russia, so to pay through NFC on Redmi 9 will have to use alternative services.

1. Mobile wallet in the application SberBank Online (recommended method).
2. Mi Pay (requires a Mira or UnionPay card binding).

Let’s take a closer look at the first option:

1. Download the latest version of SberBank Online from RuStore.
2. Log in to the application and go to the Maps section.
3. Select the card you want to link to NFC and tap Add to your mobile wallet.
4. Confirm the operation via SMS or push notification.
5. After successful binding, an NFC icon will appear at the top of the card screen.

For Mi Pay, the instructions are different:

• 📱 Install the Mi Pay app from RuStore.
• 💳 Add a Mira or UnionPay card (Visa/Mastercard unsupported!).
• 🔒 Confirm the binding through SMS bank.
• 📲 In the settings NFC Select Mi Pay as the default payment application.

⚠️ Note: When paying via Mi Pay, some terminals may require a PIN from the card, even if the amount is less than 1000. ₽. This is a feature of processing transactions through Chinese payment systems.

How to Pay for Your Purchases via NFC on Redmi 9

The cashier payment process varies depending on the service chosen.

1. Unlock the smartphone screen (PIN, pattern lock or fingerprint).
2. Move the top of Redmi 9 (where the camera is located) to the terminal at a distance of 1-3 cm.
3. Wait for the sound signal or vibration – this means a successful reading.
4. When using SberBank Online, a fingerprint confirmation may be required.

Here is how each service behaves:

If the terminal is not responding:

• 🔋 Check the battery power at a level below 5% NFC may be off.
• 📵 Make sure the terminal has a green light (meaning ready to receive).
• 🔄 Reboot your smartphone – sometimes the module “hangs” after prolonged use.

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Before paying, turn off the energy saving mode in the battery settings (Settings → Battery → Power Saving Mode). Otherwise, NFC may not work properly.

Common problems and their solution

Even with the right setup, Redmi 9 users are faced with common errors, and here are the most common ways to fix them:

1.The terminal doesn't see the phone

Reasons:

• 🔇 NFC-module disabled in settings.
• 📱 A case with metal elements shields the signal.
• 🔄 Conflict with another payment application (for example, if Mi Pay and SberBank Online are installed simultaneously).

Solution: Check the settings, remove the case, remove unnecessary payment applications.

2. "Card not supported" error

This problem arises when trying to link Visa/Mastercard to Mi Pay, because after the departure of foreign payment systems, the Chinese service supports only Mira and UnionPay cards.

Use SberBank Online or order an additional Mira card in the personal account of Sberbank.

3. NFC spontaneously shuts down

The culprit is optimizing the battery in MIUI. To fix:

1. Go to Settings → Applications → Application Management.
2. Find Sberbank Online or Mi Pay.
3. Choose the Battery. → No restrictions.
4. Activate Auto Start and Secondary Start.

Security NFC-Payments for Xiaomi Redmi 9

Contactless payments are convenient but require increased attention to security.Here are key precautions for Redmi 9:

• 🔒 Always lock the screen after payment (even if the terminal didn't require unlocking).
• 📱 Do not store PINs and passwords from banking applications in notes or SMS.
• 🔄 Update regularly MIUI — In new versions, vulnerabilities are closed. NFC-module.
• 🛡️ Enable two-factor authentication in Sberbank Online.

What to do if your phone is lost or stolen:

1. Block your card immediately via *900 or Sberbank’s personal account.
2. Remove the associated cards from your mobile wallet through the web version of SberBank Online.
3. Use the Find Device feature in Mi Account to remotely lock your smartphone.

⚠️ Attention: Redmi 9 with root rights or custom firmware NFC-Payments may be blocked by the bank due to a security breach. If you have installed unofficial software, reset to factory settings before setting up contactless payments.

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NFC on Xiaomi Redmi 9 works only with official MIUI firmware for Russia. Using global or European versions can lead to payment errors.

Alternative payment methods without NFC

If your Redmi 9 doesn’t support NFC, or if your module is out of order, consider these options:

• 💳 QR-codes in the SberBank Online application: suitable for most stores (except transport).
• 📱 Samsung Pay on another device: if the family has a Samsung smartphone, you can tie the card there.
• 🔄 Bank card with chip: the classic way that works everywhere.
• 💻 Apple Pay via a friend's iPhone: Some terminals allow you to pay from someone else's phone (power of attorney required).

For generation QR-code in Sberbank Online:

1. Open the app and select a map.
2. Put the QR Pay.
3. Point the camera at QR-terminal code.
4. Confirm the amount and enter the PIN code.

The advantage of QR over NFC is that it works on any smartphone, even without a contactless module, and the disadvantage is that it requires Internet (at least 2G) and a little more time to pay.

FAQ: Frequent questions about NFC on Redmi 9