For contactless payments to work properly on Xiaomi phones, follow these steps
Set up NFC and security element
Open the Settings app
Go to Additional functions or Connect and share
Turn on NFC
Tap Position of the security element and select Wallet HCE (or SIM Wallet for models running MIUI with Android 12 or 13)*
Set up permissions for Swoo
Return to the main menu of the Settings app
Go to Apps → All apps → Swoo
Turn on Auto launch
Tap Other permissions and select both Show popup windows in background mode and Lock screen
Go back, tap Control of activity and select No restrictions
*Important note for MIUI users on Android 12 or 13:
On some Xiaomi and POCO devices, MIUI may not route NFC transactions correctly if the SIM Wallet is not selected as default wallet.
If POS-terminal does not respond at all when you try to pay using Wallet HCE in settings, we recommend changing it, open:
Settings → Connection & sharing → NFC → Default wallet
and select SIM Wallet
Menu item names and their order may be different on your phone. If you can't find the right settings, visit the Xiaomi support site for help or reach our support team any way you like
in-app chat (the "Chat" tab in the bottom navigation bar)
in-app contact form ("Menu" → "Contact us by email")