Android Pay technology for contactless payments on Xiaomi smartphones. Android Pay on Xiaomi – which models support it and how to set it up

Agree, more often than not we hold the phone in our hands, but the wallet with all possible cards remains in the bag. So why go through the entire contents of your bag once again, if you can pay with one touch using your phone? Very convenient. This is why there is such an application as Android Pay, whose role is to facilitate everyday operations. But sometimes there are problems when using this application. When with Android Pay Xiaomi Mi6 does not work, the reason most often lies in incorrect setting smartphone. In this article, we will look at this problem in detail, and also describe the necessary procedure to fix the problem described above.

System " Android Pay» presents the opportunity to turn a smartphone into a bank card and, using contactless payment, make payments in one motion using only a smartphone.

To “make friends” of your Mi6 with the Android Pay system and to use all the “goodies” of this program, you need to spend a little time setting up the device.

Why doesn't Android Pay work?

If you downloaded the Android Pay application from the official Google app store, completed all the steps that you were instructed to do during installation, connected your Visa/MasterCard correctly, but contactless payment is not made? Let's try to figure out this issue and set up Android Pay on your Mi6, and also learn how to use this method of making payments with ease and for your pleasure.

Reason 1 – HCE Wallet is not configured

In order to get Android Pay to function properly on your Xiaomi Mi6 smartphone, you need to take a few steps and select some checkboxes in the system settings:

Reason 2 – Google Certification

Your smartphone may not have passed Google's mandatory security certification. But even though this is an unlikely reason, we still advise you to read the instructions above more carefully and repeat the steps in the same order again. Double-check your settings and most likely everything will work.
On Mi6 you will be able to configure Android Pay correctly, however Xiaomi model Redmi 4 pro will no longer be able to boast of such functionality, since it simply does not have an NFC chip and therefore this smartphone does not support over-the-air payments.

Therefore, if your friend is the owner of this model and asks the question: “Why with Android Pay Xiaomi Redmi 4 pro doesn’t work?”, explain to him that to run this function, support for NFC technology is required.

Using Android Pay

Now you have downloaded and installed Android Pay on your Xiaomi Mi6, added payment card, set up HCE Wallet according to our instructions and are wondering: “How can I use this technology now? Where will they accept my phone instead of my debit card? And will they accept it?
You can pay for services or goods using Android Pay in almost any supermarket or shopping center in Russia that has terminals that support contactless payments (as well as cards with PayPass and PayWave).

In order for payment to take place using NFC, necessary:

• Unlock your phone;
• bring it to the terminal for a while;
• wait until a message about the completed transaction appears on the terminal screen;
• We put the phone away because the payment has gone through.

IN certain cases You will have to enter a PIN code, and sometimes the cashier may ask you to sign the receipt. This already depends on the conditions of the bank.

If you are the holder of several cards (for example, credit and debit), then when adding to the application you will have to select one as the main one and indicate this. If you need to make a payment with another card, you will need to launch the application and select the required one. But although today many terminals already support this type of payment function, you should not count on this method as a priority. Because it happens that the terminal is not configured correctly and it cannot accept payments in a modern way. Terminals that do not provide for this method have not yet gone out of use, and you will have to use your Visa or MasterCard as before, performing transactions by direct contact with the device.

Be prudent and carry a card with you, as smartphone payment methods may not always be accepted.

Security of payments

Logical questions: “Is it safe to use this payment method? Will they be able to steal my card details during payment? Google guarantees security. When using payments, only virtual copies are transferred to the seller, which are stored in the system, and the data real cards stored on Google servers.

Conclusion

To figure out why Android Pay sometimes doesn’t work on Xiaomi Mi6, I had to work hard. It was necessary to delve into necessary requirements requirements for the operation of the program, and delve into the operation of the phone in detail. Find out possible reasons and the procedure for eliminating them, possible consequences to maintain data confidentiality. All this is discussed in the article.

Contactless payment systems are becoming increasingly popular. This does not require statistical research, because the conclusion suggests itself when you see the news that another major manufacturer of portable equipment has launched its own version of the payment system. However, the most popular by far is Android Pay.

Contactless payments from Google are a convenient system that allows you to pay for purchases in stores and supermarkets by simply touching your smartphone to the payment terminal. Yes, everything works exactly the same as with contactless plastic payment cards.

The platform has many advantages:

• a wallet, purse or handbag is freed from a pile of plastic cards;
• a smartphone replaces cards from several banks at once, and you can select an account for payment directly during a financial transaction;
• payment occurs much faster compared to a similar procedure carried out using a bank card;
• increased security, in which all transactions are confirmed using a fingerprint or PIN code.

True, the technology is not available to everyone - the smartphone must meet the following requirements:

• – if it is not there, you don’t have to read further, since the service simply will not work on such a device;
• OS version no lower than Android 4.4 KitKat;
• official, unmodified firmware, with Root access disabled;
• The bootloader is intact and there have been no attempts to unlock it.

If everything is in order, to start using the service all you have to do is install Google app Wallet or similar approved by Google.

Xiaomi smartphones supporting Android Pay technology

The leader of the Chinese technology market did not stand aside and released its version of the Mi Pay payment system. True, it is widely popular in our country this type I haven’t acquired contactless payments “at all” yet. What to do? Install Android Pay on your Xiaomi, and we will tell you how to do it.

First of all, you need to familiarize yourself with the list of Xiaomi devices equipped with an NFC module and find yours among them:

• Mi 2A;
• Mi 3;
• Mi 5;
• Mi 5S;
• Mi 5S Plus;
• Mi 6;
• Mi Note 2;
• Mi Mix;
• Mi Mix 2.

As you can see, only owners of the flagships of the Mi line will be able to use the Android Pay service, but representatives of the budget Redmi series cannot boast of the necessary module and remain out of work.

Setting up a smartphone and linking a card

Xiaomi initially does not want to work with Android system Pay, so setting up your smartphone includes the step presets so that the system works stably and without interruptions.

Preparatory stage

Preparing your Xiaomi to work with the payment system has several nuances. Before launching the application, you need to activate several items in the device settings that are disabled by default for your own safety.

We enter the device settings section and find the “More” item in the “ Wireless networks" Scroll the list to the very bottom to the “NFC” section. Here, firstly, you need to enable the module itself, and secondly, in the “Security element location” subsection, switch from “Built-in security element” to “Use HCE Wallet”. It should be noted that depending on the localization, the last subsection may be called “Default Wallet”.

Considering the features of MIUI OS and its love of unloading non-system applications from memory, we recommend adding the Android Pay application to the startup list.

To do this, find the “Security” application on the desktop, go to the “Permissions” section, the “Autorun” subsection. In the list we find the Android Pay application and put a tick in front of it.

Setting up the application

Actually, all the application settings come down to linking your cards. Today, Android Pay is supported by the following banks and payment systems:

• Sberbank;
• Alfa Bank;
• Tinkoff Bank;
• Raiffeisenbank;
• MTS Bank;
• "VTB 24";
• Otkritie Bank;
• "AK Bars";
• Binbank;
• Promsvyazbank;
• Rosselkhozbank;
• "Yandex.Money".

Accordingly, in order to take advantage, you need to be a client of one of the banks presented in the list and have a Visa or MasterCard card. Both debit and credit cards are supported.

The current list of banks that allow you to use the wireless payment service in Russia is presented on the official Visa website.

Linking a card is done in just a couple of steps:

1. We launch the Android Pay application, give it all the required permissions upon request.
2. In the lower right corner, click on the “+” icon and take a photo of the map. We check whether the data from the front of the card was read correctly.
3. If scanning does not occur or is carried out with errors, you need to enter all the data manually.
4. After confirmation and receipt of an automatic SMS from the bank with a verification code, an amount of 30 rubles will be withdrawn from the card account. After some time, the money will be returned. This is a verification operation necessary to test the normal passage of all financial transactions.

The application settings indicate the card used by default for all payments. Therefore, if you need to make a payment from another card, it must first be marked as the main one.

Important! The application will require you to install one of the secure unlocking options, be it a fingerprint or graphic key. Therefore, if the corresponding proposal has not been received from the system, you need to perform this step manually.

If everything is done correctly, you can proceed to testing the system in action.

How to use?

Process of use Android platform Pay is extremely simple and is divided into two options:

1. Purchase of goods worth up to 1000 rubles. You just need to unlock the device, touch it to the terminal or swipe it next to it, and the payment will be made. Accordingly, purchases of small amounts are carried out instantly.
2. Purchases over 1000 rubles. When paying for more expensive goods, you will have to additionally confirm the transaction in the application itself or enter the card PIN code in the terminal.

In addition to financial transactions directly in stores, Android Pay can be used to pay for purchases online.

What to do if Android Pay doesn't work?

The main problem is why your Xiaomi is capricious and unwilling to pay for purchases in a contactless way– incorrectly carried out preparatory stage.

Before the security guard confiscates what you have collected at the checkout, quickly go through the settings indicated above. NFC must be enabled and HCE Wallet must be specified as the primary wallet used.

It is possible that MIUI considered the wallet management application to be clogging RAM and unloaded it, so you can try running the application again.

Very often Xiaomi users complain that the application simply refuses to launch and states “Android Pay is not supported on this device.” And this happens even on smartphones without outside intervention from the user. It turns out that the device may not be verified by Google if you have installed official firmware, but not global. That is, if you are using the latest beta version of MIUI 9, Android Pay will refuse to work and you will have to either install global version firmware, or use plastic cards the old fashioned way.

Conclusion

No matter how convenient the platform is, system stability is sometimes still poor. Therefore, for the first time after installing and setting up the application, do not bother to carry your main plastic card or some cash with you, so as not to get into an unpleasant situation when your smartphone becomes capricious and does not confirm the payment.

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Article Description

For a couple of weeks now, a payment system from Google under the laconic name Android Pay has been operating in Russia. Many users often ask us how to set it up and use it on Xiaomi smartphones. Let's take a look and answer the most frequently asked questions. Android Pay was launched in September 2015 worldwide, Russia became the 11th country where the service began operating. Android Pay is a contactless payment system. Using it, you can link a regular bank card to the application and pay for purchases and services using your smartphone or smart watch. Speaking in simple words Android Pay turns your smartphone into bank card and allows you to apply it to payment terminals instead of a heap bank cards. Moreover, Android Pay does not charge any commission at all. On which Xiaomi phones does Android Pay work? Android Pay will only work on Xiaomi smartphones with NFC chip, which work under the control of a green robot no older than version 4.4, and better newer - 5, 6, and 7. Among Xiaomi phones these are: Mi 2A, Mi 3, Mi 5, Mi 5S, Mi 5S Plus, Mi 6, Mi Note 2, Mi MIX. Eat important condition: the mi-smartphone must have official firmware installed from the company, must be missing Root rights and the bootloader is locked. Typically, these actions are performed when changing the firmware. A nuance on Xiaomi smartphones: For payment via NFC to work correctly on Xiaomi devices, you need to check a couple of boxes in the settings. By default, they are disabled for security reasons. Go to Settings → go to the More tab in the Wireless Networks panel → scroll down to the NFC section and check the NFC box → click on Security Element Location and select Use HCE Wallet. To be on the safe side, you can put the Android Pay app in Autoload. That's all, now your Mi smartphone is completely ready to pay for purchases. How to connect your card to Android Pay? To start using Android Pay, just download the application of the same name from the Play Store. At the first launching Android Pay will logically offer to connect a card - to do this, you need to point the camera at it so that the service reads the number and expiration date. You can also enter information manually the old-fashioned way. You will also need a CVV code with reverse side cards and user address. When connecting the card, the bank will send a verification code to confirm the operation. Nothing unusual. If you have already connected maps to your Google account, for example, to purchase applications in Play Store or subscription to Google Play Music, then Android Pay will offer to use one of them - to link to the application you will only need to enter the CVV code. What about the protection? This is one of the most important issues. Google guarantees that payments via Android Pay do not use information about cards connected to the service. In the system, virtual copies are created for them, the data of which is transferred to the seller, while the data of real cards is stored on Google servers. When you first launch Android Pay, you will need to set a phone lock if you didn’t have one before. Pattern, fingerprint or PIN code, it doesn’t matter. If the protection is removed, then the data from Android applications Pay will be deleted. In addition, the data will be deleted after 90 days of inactivity of the phone. How and where to pay with Android Pay? Payment via Android Pay is available almost everywhere where there are terminals that support contactless payments (including through cards with PayPass and PayWave technologies). In Russia, these are almost all supermarkets and shopping centers. To make a payment via NFC, you need to unlock (wake up) your smartphone and bring it to the terminal for a few seconds until a payment message and an image of the card appear on the screen. Of course, in some cases the cashier may ask you to enter a PIN code or sign a receipt. This depends on the settings of the bank that issued the card and the terminal. If you have connected several cards, then one of them will need to be selected as standard. To pay with another card, you need to open the application and select the desired card. You can pay with using Android Pay and in some mobile applications and on websites. In such cases, the “Pay via Android Pay” button will appear on the payment page. Keep payments from your phone in reserve Unfortunately, contactless payment via phone is not yet as perfect as paying directly with a card. In stores, sometimes there are incorrectly configured terminals that do not accept such payments. There are also terminals that do not support contactless payment. Therefore, for now, you can’t count on your phone as your main means of payment: there are too many things that can go wrong.

Allowing contactless payments. But before the owners of Android smartphones had time to rejoice at the new possibilities, many of them were faced with a problem. The application was successfully installed on the device, but when trying to launch, the smartphone displayed the following message: “Google Pay is not supported on this device. We were unable to verify that your device meets the security standards set for Google Pay. The reason may be that it has root access configured and the bootloader is unlocked operating systems or a non-original ROM is installed."

Interestingly, as usual, those who suffered were those who prefer to have not just a phone for communication, but a convenient and productive tool for solving various kinds of everyday tasks. As you probably already guessed, these are those who received Root rights to their smartphone and installed modified firmware with high-quality translation into Russian, while unlocking the bootloader (check out). What’s even more interesting is that, for example, for Xiaomi smartphones, even the official weekly build for devices of this popular brand does not pass verification in Google Pay - the application only agrees to work with stable versions MIUI, which are updated every few months.

How to use Magisk?

Solving the problem with Google Pay:


** If you do not want to install Magisk and other third-party software, there is an easier way to hide Root rights and/or unlocked bootloader from Google Pay: you need to replace two lines (manufacturer name and smartphone model) in the build.prop file(for example, using

It's no secret that recently the Android Pay contactless payment service began operating in the Russian Federation. So far, only eleven countries in the world have received the right to use this advantage. But payment system from Google is constantly expanding the boundaries of its use. Mi Pei became a real hit in Russia. This application almost immediately installed by millions of users who were tired of using inconvenient and unsafe programs.

The essence of this service is very simple. A person uses Android Pay and can pay for goods in retail outlets, which are equipped with special terminals. And there's no need for credit card, because it is your smartphone on which it is installed special program Mi Pay for Xiaomi. And download this program Every interested user who has a Xiaomi smartphone can. Although this does not mean that the program is suitable exclusively for smartphones from this manufacturer. We are simply reviewing a program suitable for the gadget of the brand in question.

Before you think about whether to install a program for financial transactions on your smartphone or not, you need to make sure that it will be of at least some use. The fact is that due to the characteristics of the hardware, not all smartphones can adequately work with the program. And the point is not at all in the software part of the smartphone, but in the hardware features.

In other words, installed program There is no guarantee that Mi Pay will work. In order for the program to work, you must use devices that support the NFC module. If this module is not included in the design of the smartphone, then the program will remain beautiful icon on the desktop, not bringing any benefit.

Let's look at a list of gadgets where NFC equipment works, and which can become an excellent platform for the program:

• Mi2A;
• Mi3 and Mi5;
• Mi5S and Mi5S Plus;
• Mi Note 2;
• Mi Mix.

Simply put, the NFC module is found on the flagship part of the Xiaomi Mi line. The new one has exactly the same parameters frameless smartphone Mi Mix. Because with the signal NFC module There may be problems if the smartphone has a metal case, then Mi5, Mi Note 2, Mi6 and Mi Mix are made of specially treated ceramics and glass. But Mi5S and Mi5S Plus are aluminum. But, despite this, the manufacturer has done everything to make it possible to use NFC on them, and therefore to use the program in question.

But if there is no signal, then perhaps the problem is in the settings. In this case, you need to go to the menu and find Settings → Wireless & networks → More → NFC(check the box if it is not there) → Security element location → HCE Wallet. As a rule, after this everything should work.

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How to connect a card

The next step the user must take is to download the application. You download it on Google Play: https://play.google.com/store/apps/details?id=com.google.android.apps.walletnfcrel&hl=ru. The application, for those who forgot, is called Android Pay. Installation on a smartphone is standard, so we won’t even consider it. Just click on the pop-ups in time and follow the commands that the application requires.

Once the application is installed on your smartphone, you need to make sure that it works. To do this, synchronize it with Google account and carry out the manipulations described below:

1. The first step is to open the application.
2. The second step requires the user to open a menu "Scan card".
3. To scan, you need to point your smartphone at the front of the card.
4. See if the card data was successfully scanned. The card number, the name of the owner and the date written on it must be recorded. Sometimes it happens that even correctly working programs do not want to read necessary information. But that's not a problem. In this case, you need to write it down yourself.
5. You will also need to provide a CVV code. It is located on the back of the card. And, of course, you can’t do without the user’s address.
6. The sixth step is not up to you. In it, the bank must send an SMS with a transaction confirmation code. This means that the settings were successful and you can now pay for your purchase using your smartphone.

In general, the procedure is very simple and accessible to literally everyone. Now all you have to do is go to the terminal or go to the store and pay without even taking your credit card out of your wallet.

How to use Mi Pay

Since this application is relatively new to Russian market, people are not yet sure that they can use it without risk to themselves. But don’t worry - it’s really safe, convenient and fast. In addition, not everyone knows where to pay using the application. The answer to this question is simple - where there are terminals that support contactless payments. In Russia, these are available in all large supermarkets and shopping centers.

Payment occurs as follows:

• Unlock your smartphone;
• Bring it near the terminal for a couple of seconds;
• A payment message and a picture of the card should appear on the screen;
• Sometimes you need to sign a check or enter a code, but this depends on whether you specified this operation in the settings.

In terms of security, it is better not to save, because the phone can be stolen or you can lose it, and access to money will be open. Therefore, it is advisable to play it safe so that later you don’t grab your head not only because of the loss of your smartphone, but also the money, access to which is open there.

Rules for using the mobile application

The one who uses Android support When performing financial transactions, Pay must take care of its own safety:

• IN mandatory use verification of your identity. For example, set a PIN code, use a pattern or fingerprint;
• Carry with you regular card. In Russia, due to the recent appearance of this service, not all terminals are yet configured to use NFC.

The second point is the most controversial, but it is temporary. We hope that after a couple of months, the situation in Russia will improve, and the program can be used in full force.