Try the following actions in order, so as to set up contactless payment on a Xiaomi smartphone:
1. Open settings:
Select "Additional functions" or "Connect and share".
Switch on NFC.
2. Go back to settings:
Go to Apps -> All apps -> Swoo.
Switch on "Auto launch".
Select "Other permissions" and select "Show popup windows in background mode" and "Lock screen".
Go back one step and select "No restrictions" in "Control of activity".
3. Go back to settings one last time:
Go to the "Connect and share" or "Additional functions" section.
Select "Position of the security element" -> "Swoo HCE".
The order and the names of the steps may be different from the steps described: it depends on the model of your smartphone. If you don't manage to find the right section, please write us at support@swooapp.com, in chat within the app or via the feedback form. We'll find it together.