The question of how to use a smartphone Xiaomi Redmi 9C for contactless payment instead of a physical plastic card has become extremely relevant in recent years. Users are accustomed to the convenience of NFC technology, which allows them to touch the gadget to the terminal and complete the transaction in seconds. However, the current situation with the disabling of Google Pay services for Russian banks requires new approaches and setting up alternative applications.
Device owners Redmi 9C are in an advantageous position, since this model is equipped with a full-fledged module NFC, which is a rarity for the budget segment. This means that you already have the technical ability to make purchases with your phone out of the box. The main obstacle is not hardware, but software and the need to install specialized software to emulate a bank card.
In this article we will analyze in detail the process of turning your smartphone into a digital wallet. We will look at installing the application Mir Pay, the procedure for linking a card and the nuances of the security system on the MIUI shell. You will learn why some settings can block payment and how to properly prepare your phone for a trip to the store.
Checking NFC hardware support on Redmi 9C
The first and most important step is to confirm the availability of the necessary equipment. Model Xiaomi Redmi 9C (also known as M2006C3LG) is indeed equipped with a near-field communication chip, but its operation depends on the regional firmware version. Global versions (Global ROM) usually have an activated module, while some Chinese versions (CN ROM) may not support this function at the software level.
For quick diagnostics, you do not need to disassemble the phone or look for information in complex technical specifications. Just go to the system settings and check the availability of the corresponding menu item. If you do not see the option to enable contactless communication, your device may not support this function or requires flashing to the global version.
⚠️ Attention: If there is no NFC item in the settings, do not try to install third-party drivers from unverified sources - this may lead to unstable operation of the system.
To make sure functionality of the module, follow these steps:
- 📱 Open the application
Settingson your device. - 🔍 In the search bar at the top, enter the word
NFC. - ⚙️ Go to found section and make sure that the switch is in the active position.
- 📡 Check that the operating mode is set to
Android Beamor standard read/write mode.
It is also worth paying attention to the location of the antenna. It is usually located at the top of the back cover, next to the camera module. When paying, try to touch the phone to the terminal with this particular zone to ensure stable contact and read the signal. Redmi 9C it is usually located at the top of the back cover, next to the camera module. When paying, try to touch the phone to the terminal with this particular area to ensure stable contact and signal reading.
Installation and configuration of the Mir Pay payment system
Since the standard Google Pay service no longer works with cards of Russian banks, the application becomes the main solution for Android owners. Mir Pay. This is the official development of the National Payment Card System, which allows you to safely store card data and conduct transactions via NFC. For users Xiaomi the installation process has its own characteristics due to the policies of the application store.
Unfortunately, in the official store Google Play Store the application may not be available for download or may not be updated correctly on some devices. Therefore, the most reliable way is to download the installation file (APK) from the official website of the developer or from a trusted repository. This ensures that you are using the latest version of the software without malicious inclusions.
The installation process is as follows:
- Open the browser on your smartphone and go to the official resource of the payment system.
- Download the latest version of the installation file for Android.
- When you try to install, the MIUI system may request permission to install from unknown sources.
- Confirm permission for your browser or file manager in the window that appears.
☑️ Preparing to install Mir Pay
After successful installation, run the application. It will ask for permissions to access the camera (to scan the map) and geolocation. These permissions are necessary for the correct operation of security functions and location verification during suspicious transactions. Refusal to grant rights may lead to limited functionality.
The procedure for linking a Sberbank card to a smartphone
The most crucial moment is adding your plastic card Sberbank to a digital wallet. System Mir Pay supports payment system cards Mirissued by Sberbank. It is important to understand that Visa and Mastercard cards issued by Russian banks cannot be added to this application due to sanctions and termination of cooperation with international payment systems.
If you have a card World from Sberbank, the linking process will only take a couple of minutes. You don't have to enter long numbers manually if you have physical media on hand. The application uses a camera to read data, which minimizes the risk of errors when entering.
Algorithm of actions when adding a card:
- 💳 Press the button
+orAdd cardin the main menu applications. - 📸 Point the camera at the front side of the card so that the system automatically reads the number.
- 📝 Manually enter the expiration date and CVV code (three digits on the back) if the camera did not recognize them.
- 📩 Wait for an SMS message from the bank with a confirmation code and enter it in the appropriate field.
⚠️ Attention: Make sure that the Mobile Bank service is activated on your card Sberbank otherwise you will not be able to receive a confirmation code for linking.
After successful verification, the card will appear in the list of available payment methods. You can set it as your default card so you don't have to manually select it every time you bring your phone to the terminal. Also, in the card settings, you can set limits for contactless payment without entering a PIN code to increase security.
What to do if the card is not linked?
If an error occurs during binding, check whether the card has expired. Also make sure that you have the latest version of the Mir Pay application installed. Sometimes the problem is solved by logging into your account again or clearing the application cache in the phone settings.
Setting up security and screen unlocking
Contactless payment is closely related to the security system of your device Redmi 9C. To carry out a transaction, the phone must be unlocked and the system must identify the owner. This is done so that if you lose your smartphone, an attacker cannot pay for purchases at your expense.
In the MIUI settings, it is recommended to use reliable biometric authentication methods or a digital code. Fingerprint is the most convenient method as it allows you to instantly verify your identity and simultaneously unlock your device for payment. Facial recognition is also available, but it may be less reliable in low light.
| Protection method | Speed | Reliability | Ease of payment |
|---|---|---|---|
| Fingerprint finger | High | High | Very convenient |
| Face recognition | Medium | Medium | Convenient |
| Pattern key | Low | Medium | Inconvenient |
| PIN code | Low | High | Inconvenient |
Be sure to set a screen lock. If neither a PIN code, nor a fingerprint, nor a pattern key is set on the phone, the application Mir Pay may refuse to work or require forced installation of protection. This is a requirement of payment system security standards.
Use the side fingerprint scanner on the Redmi 9C to pay: place your finger on the scanner, wait for vibration and immediately bring the phone to the terminal - this is the fastest scenario.
In-store payment technology
When all the settings are completed and the card is linked, the payment process at the point of sale becomes as simple as possible. You no longer need to take out your wallet or look for change. It is enough to have a charged smartphone with you Xiaomi Redmi 9C.
When you approach the cashier, tell the cashier that you will pay by card or phone. It is not necessary to turn on the application Mir Pay in advance - just wake up the screen. However, if you want to select a specific card from several linked ones, it is better to open the application in advance.
Sequence of actions at the checkout:
- Unlock your smartphone using your fingerprint or code.
- Hold the top of the back cover of the phone to the contactless payment icon on the terminal.
- Hold the device close to the reader until a tick or sound signal appears.
- Enter the PIN code from the card at the terminal if the purchase amount exceeds the limit for payment without a code.
⚠️ Attention: Do not remove the case from the phone if it contains metal plates or magnets - they can shield the NFC signal and interfere with reading.
Sometimes the terminal may not work the first time. In this case, try changing the angle of the phone slightly or moving it closer to the center of the reading area. In rare cases, turning off and re-enabling the NFC module in the notification shade helps.
For successful payment, the phone screen must be active (unlocked), but the Mir Pay application itself does not need to be opened if you only have one card linked.
Solving common problems and errors
Despite the smooth process, users may encounter with technical glitches. Most often, problems are associated with outdated software or conflicting power saving settings in the MIUI shell. The system may try to “put to sleep” background processes of the application, which interferes with the correct operation of card emulation.
If payment does not go through, first check for updates for the application Mir Pay and your system software Redmi 9C. Developers regularly release patches that correct compatibility with new versions of terminals and banking protocols.
It is also worth checking the battery settings:
- 🔋 Go to
Settings → Battery and performance. - 📱 Find the application in the list Mir Pay.
- ⚙️ Set the operating mode
No restrictionsso that the system does not close it in the background. - 🚫 Disable energy saving for this applications.
In some cases, clearing the application cache helps. This will not delete your linked cards, but it will reset temporary files that may have become corrupted. If the problem persists, try removing the card from the application and adding it again, going through the verification procedure via SMS again.
The terminal writes “Communication error” or “Card cannot be read”
Try to restart the phone. If this doesn't help, check to see if Airplane mode is enabled. Also make sure that the card does not have a limit on online transactions, which sometimes blocks NFC transactions in the bank application.
Frequently asked questions (FAQ)
Is it possible to pay for purchases if the phone is low?
No, NFC technology and card emulation require power from battery If the phone is completely discharged and turned off, payment is not possible. Some modern flagships have a backup power mode, but Redmi 9C is not equipped with this function.
Is it safe to store card data in the phone?
Yes, it is safe. The application Mir Pay does not store your card number in clear text. Tokenization technology is used, when a unique digital code is generated for payment. Even if the phone is stolen, an attacker will not be able to access the card data without unlocking the screen.
Does online payment work in applications?
Application Mir Pay is intended exclusively for contactless payment in physical stores via NFC. To pay in online stores, you will need card details (number, expiration date, CVV), which can be viewed inside the application, or use the service SberPay inside applications of partner banks.
What should I do if I lost my phone?
Call the contact center immediately Sberbank call 900 and block the card. Also, remotely erase data from your phone through the service Find My Device (Find Device) from Google, if this function was previously enabled in your account settings.
Do you need the Internet to pay by phone?
No, to make a transaction in a store, an Internet connection is required not required. Payment tokens are stored in the phone's secure memory. The Internet will only be needed for the initial linking of the card and periodic updating of tokens when opening the application.