Few know this function, and it is that, for years, you can pay with your mobile phone in thousands of establishments. And for the simple fact of not having to use a credit card, it has become more widespread than ever. Also, avoid direct contact between people. This has increased the possibilities of payment from any smartphone, that is, there are now more alternatives available.
NFC is one of those features that cannot be missing from our mobile phones. If you are thinking of buying one, you should make sure it has it. Simply, because thanks to it you can use your phone as a real credit or debit card. For all this, we are going to explain how you can choose a different payment method on your Xiaomi mobile . In this way, you can change it whenever you want on your Chinese phone.
Payments with the phone
Since the pandemic came into our lives, those users who have been reluctant to use the phone as a credit card, decided to change their mind diametrically, realizing that it was much easier and, above all, safer, to pay in stores. thus. And it is that, in addition to not having any contact with the establishment, we will prevent them from cloning the card or discovering any security code behind it.
For this reason, more and more Xiaomi mobiles are incorporating this NFC connectivity , even in the lower ranges, since its usefulness is almost essential today. And if you have a phone with this connectivity, you will like to know that there are different alternatives to be able to configure its use on the smartphone. Basically, we don’t have to limit ourselves to a single payment method with the terminal, but we can choose other alternative apps that fulfill the function of Google Pay or Apple Pay, which are the best known.
But, these functions are not available where you think, in the default apps area, but it is in another more hidden section where we can access these settings. These will allow us to choose a specific payment method that will be activated by default when our phone is close to a dataphone equipped with this ‘ Contactless ‘ technology, which we find in all stores where you can pay by credit or debit card. In addition, there is a simple way to configure it on our Xiaomi phone.
How active
Before getting to know which app can be chosen to fulfill the function of paying with a Xiaomi mobile, it is important that we see how this functionality has to be activated on a Chinese phone. Well, it’s no use going to see the steps to follow if you still don’t have a card configured on the device with MIUI .
Therefore, it will be necessary for us to go to the phone settings > Click on the Connection and sharing option > NFC > Position of the security element > Use HCE wallet . After this, we can now continue with the following steps to configure the payment with a Xiaomi, Redmi or POCO mobile.
In addition, for it to work at all times, we will need to have the NFC of the Chinese mobile enabled. If not, we will not be able to make a contactless payment with the terminal. In addition to that it will also be vital to know how to add cards in a Xiaomi.
Select the payment method you want
There are many payment platforms. On the one hand, each bank usually has its own app and platform to make payments with the phone, so we can choose to make payments this way. We can also choose a more universal payment platform, such as Google Pay , which brings together payment with different banks and cards of all kinds on the same platform. In order to choose a default payment method on our Xiaomi phone we must do the following:
- Open the settings of your Xiaomi.
- Select the Connection and sharing section.
- Click on Tap and pay or Contactless payments.
- Enter the option called Default payment application (depending on the version of MIUI, the names of the sections may vary a bit)
Once inside, what we must do is choose the ‘Default payment application’ by clicking on its button. Once we do, we will see all the payment apps installed on our Xiaomi. In this case, as you can see, we can choose between three payment methods, one is Google Pay, the other is the BBVA bank app, and the other is a card from a bank card from a well-known merchant.
So if we choose Google Pay, bringing the phone closer to the dataphone will automatically activate the payment with the default card that we have configured in Google Pay. In the case of choosing the bank, the payment will also be activated with the one we have selected by default, if it is not possible.
Although, they are not the only options that we will find in the Google app store. Although, most of the alternatives are from the banks themselves, which offer their service so that we can pay without contact with the Xiaomi mobile . However, the most popular service, and the one used by most people, is that of the company with the big G.
Use the default app
There is another option below, called ‘Use default application’ that also allows us to choose what happens when we bring the phone closer to a dataphone in an establishment. And it is that if, for example, we have activated by default the payment of Google Pay with a certain card by default, but at a given moment we want to pay with a different one, this functionality is basic. Since we have two options:
- Replace application: this allows us to use the application that we have opened at that moment instead of the one that is configured by default. In this way we would pay, for example, with the BBVA app if it is open and active in the foreground at the time of payment. So if at any given moment you understand that it is better to pay with another card, you just have to open its app and bring the phone closer to the dataphone.
- Always use the default application: with this function, even if we have the bank app open in the foreground, we will pay with the one that we have configured by default, for example Google Pay.
Choose the most suitable method
In this way, something that unfortunately happens a lot will not happen to you, making the wrong payment method at certain times when we would like to use an alternative one. The best without a doubt is to use the first option, which replaces the default app when another one is open. In this way we will always know that we either pay with the one we have designated by default, or with the one we have chosen to open at that time. There will be no room for errors, so common in certain cases in which we are not very clear about how the phone will react.
At least Xiaomi phones have enough options in MIUI to be able to access the preferred payment method at all times. At the moment Xiaomi mobiles do not offer us the possibility of adding payments to the lock screen, as we already see in other manufacturers, but of course it offers enough options to be able to customize the way we interact with the phone to our liking. time to pay, which we do more and more times daily.
Is there any other way?
This is one of the pending issues of MIUI, and also of the other versions that we have seen on the market. And it is that if we compare with other manufacturers, contactless payment through NFC does not have as much prominence, when it should be one of the key aspects to highlight when we use the phone.
Manufacturers like Motorola already offer direct access on their phone’s ‘off’ screen to choose the card with which we want to pay at all times, precisely to avoid having to open Google Pay to be able to make payments with the card that suits us. in every moment.
Without a doubt, Xiaomi’s new control panel has been a missed opportunity, which we hope will be amended soon. Because this new control panel would be the perfect place to have direct access to all payment methods, without having to delve so deeply into the phone’s settings, as you have been able to verify. Surely in future updates it will be given this importance, because it is evident that more and more paying with the phone is something common in the day-to-day life of more users.