Modern smartphones, such as Honor 10i, are equipped with a module NFC, which allows you to turn the device into a full-fledged payment terminal. However, after the introduction of restrictions on work Google Pay in Russia, cardholders Sberbank faced the need to look for alternative solutions. Fortunately, the ecosystem Android offers several working contactless payment methods that do not require complex manipulations with root access.
The main difficulty is that the standard application Google Pay no longer supports cards of Russian banks. Instead, it is necessary to use specialized payment systems, such as Mir Pay or Pay wallet. These services are completely legal, safe and work correctly on smartphones Honor with shell EMUI. The setup process takes no more than 10-15 minutes if you follow a clear algorithm of actions.
In this guide we will look in detail at how to activate the wireless communication module, install the necessary software and link your bank card. You will learn about the nuances of how different applications work and will be able to choose the most convenient option for everyday purchases in stores, cafes and supermarkets.
Checking hardware compatibility and preparing NFC
Before you start installing applications, you need to make sure that your Honor 10i is technically ready for contactless transactions. This model is equipped with a built-in chip NFClocated in the upper part of the back cover, next to the camera block. However, the presence of hardware does not guarantee automatic operation of the function - it must be activated in the system settings.
To enable the module, swipe your finger from top to bottom of the screen to open the quick settings panel. Find the icon NFC and click on it so that it becomes active (highlighted). If the icon is not in the quick menu, go to the Settings → Wireless networks → Moresection. There should be a switch here NFCthat must be set to the "On" position.
⚠️ Attention: Make sure that the function
Android Beamor Huawei Beam. Although it is not always critical for payment, its presence guarantees correct emulation of the card by the terminal.
It is also worth checking whether you have third-party apps installed for managing NFC, which may conflict with payment systems. Standard means EMUI are quite sufficient for stable operation. If the phone is in a protective case with metal inserts, it is better to remove it during setup and the first payment, since metal can shield the signal.
☑️ Honor 10i is ready for payment
Installing and configuring the Mir Pay application
The most popular and reliable solution for cardholders of the national payment system World (including cards Sberbank) is the application Mir Pay. It is available for download in the official application store AppGallery, which is pre-installed on all smartphones Honor. This eliminates the need to search for APK files on dubious resources.
After installing the application, launch it and accept the user agreement. The system will ask you to configure the screen lock method. This is a mandatory security requirement: to make payments, Android must be installed PIN code, a graphic key or used fingerprint. Without this protection, the application will not allow you to add a card.
The process of adding a card is as simplified as possible. Click the "Add card" button and point your smartphone camera at the plastic so that the system automatically reads the number. Or enter the data manually. You will need to enter the expiration date and CVV code on the back. Next, follow the bank's instructions to confirm the binding, usually this SMS code or confirmation through the app SberBank Online.
What to do if the camera does not read the card?
If automatic scanning does not work Due to glare or abrasions on the plastic, select manual data entry. Check each number carefully, as one mistake will result in a refusal to bind. Also make sure that the card is not expired.
Alternative option: Pay Wallet service
If for some reason Mir Pay does not suit you, the application Pay walletis an excellent alternative. This is a multifunctional service that also supports cards Sberbank and works on smartphones with NFC. The principle of its operation is similar: the application emulates a physical card, transmitting an encrypted signal to the terminal.
Download Pay wallet can also be done through AppGallery or the official website of the developer. After logging into your account (you can use your phone number or social networks), go to the maps section. Click on the plus sign to add a new card. The verification process here may take a little longer, since the system carries out an additional security check.
A unique feature Pay Wallet is the ability to store not only bank cards, but also store discount cards, transport tickets and even access keys to some office buildings. This makes the application a universal digital wallet. To pay, simply select the desired card in the list and bring your phone to the terminal.
Technical differences in payment systems
Users often wonder what exactly is the difference between Mir Pay and Pay wallet, and which application is better to choose for Honor 10i. Both services use tokenization technology, where the real card number is replaced with a unique digital code. This means that even if data is intercepted, fraudsters will not gain access to your account.
However, there are nuances in supporting card types and bonus apps. Mir Pay it is natively focused on cards of the national system, so it works with them most stable. Pay Wallet often offers expanded cashback apps and integration with other loyalty services. The choice depends on which bonuses are your priority.
Below is a comparative table of the main characteristics of both applications, which will help you make your choice:
| Characteristics | Mir Pay | Pay Wallet |
|---|---|---|
| Download source | AppGallery, RuStore | AppGallery, Website |
| Support for World cards | Full | Full |
| Payment speed | Instantly (when unlocked) | Instantly (card selection required) |
| Additional. functions | Payments only | Discount cards, tickets |
⚠️ Attention: The application interface and terms of bonus apps may be changed by the developers. Always check the latest information about points accrual in your bank's personal account or in the payment system application itself.
Payment process in a store: step-by-step algorithm
The moment of payment itself raises the least questions, but this is where users often make mistakes due to the habit of old methods. For the transaction to be successful on Honor 10i, the phone must be unlocked. It is not necessary to open the payment system application itself, just remove the screen lock.
Bring the top of the smartphone (where the module is located NFC) to the payment terminal. The distance should be 1-2 centimeters. Do not press the phone tightly against the glass of the terminal; it is better to keep it slightly suspended. Hold the device in this position until a characteristic sound signal or vibration appears.
Sequence of actions:1. Unlock Honor 10i screen.
2. Bring the phone to the terminal (NFC zone).
3. Wait for the “Beep” sound signal.
4. Put away the phone.
5. Pick up the check.
If the terminal requires entering the card PIN code (usually for a purchase amount above 1000 rubles, but the limit depends on the bank settings), enter it on the terminal screen, not on the phone. The smartphone at this moment acts only as a transmitter of encrypted data. After a successful operation, a notification about the debiting of funds will appear on the phone screen.
If the terminal does not respond for a long time, try slightly changing the angle of the phone. The NFC antenna zone in Honor 10i is quite high, and sometimes you need to get exactly into the terminal reader.
Solving common problems and errors
Despite the simplicity of the technology, sometimes users are faced with a situation where payment does not go through. The most common reason is the lack of Internet when the card is first linked. To activate the token, a connection to the bank server is required. However, for subsequent payments, the Internet on the phone is not required, since the token is stored in the protected memory of the chip.
Another common problem is outdated software. Make sure your Honor 10i updated to the latest available version EMUI. Go to Settings → System → Software update and check for new versions. Also update the applications themselves Mir Pay or Pay wallet through the app store.
If the terminal writes "Communication error" or "The map is not readable", check if the airplane mode is turned on. Also make sure that the default payment application is selected in NFC settings. In the section Settings → Wireless networks → NFC find the item "Touch and pay" and select the desired application (Mir Pay or Wallet).
B In 90% of cases, the problem with payment is solved by simply rebooting the smartphone or relinking the card in the application. Do not rush to delete applications at the first failure.
⚠️ Attention: Some older terminal models in remote regions may not support new tokenization security protocols. In such cases, you will have to use a physical card or ask the cashier to make a payment in another way.
Questions and answers (FAQ)
Is it safe to pay with an Honor 10i phone instead of a card?
Yes, it is even safer than using a plastic card. When paying by phone, tokenization technology is used: your real card number is not transmitted to the terminal. Instead, a one-time digital code is generated. Even if attackers intercept the signal, they will not be able to use this data to steal money.
What happens if the phone is dead in a store?
It is impossible to pay for a purchase with a dead phone, since the NFC module requires power to transmit the signal. In such a situation, you will have to use a physical plastic card, cash, or ask someone accompanying you to pay for the purchase.
Do you need the Internet for every payment through Mir Pay?
No, the Internet is only needed at the time of adding the card and its initial activation. No network connection is required to make subsequent purchases. Card tokens are stored in a secure element of the smartphone and work autonomously.
Is it possible to add a Sberbank Visa or Mastercard card?
In applications Mir Pay i Pay wallet at the moment, mainly cards of the national payment system are supported World. If you have a Visa or Mastercard from a Russian bank, it must be reissued to the payment system World to work via NFC on Android in Russia.
Does payment work if the phone screen is turned off?
No, for transaction security the smartphone screen must be turned on and unlocked. This prevents accidental or unauthorized debits of funds if the phone is simply lying in your pocket next to the terminal.