You can use NFC payment App to make payment by touching your device to a compatible credit card reader.
You need to install a payment App on your device, add a credit card, and enable the payment service first.
1. Go to
Settings > 
Connection & sharing.
2. Tap
to enable NFC.
3. Tap Secure element position to select HCE Wallet.
4. Go to Contactless payments > Payment default to select a default payment App where the payment service is enabled.
Note
HCE Wallet: The HCE, namely Host Card Emulation, is the technology used to emulate a credit or debit card on the phone. Only mobile payment with the HCE option works on Xiaomi phones.
You need to install a payment App on your device, add a credit card, and enable the payment service first.
1. Go to
Settings > Connection & sharing.2. Tap
to enable NFC.3. Tap Secure element position to select HCE Wallet.
4. Go to Contactless payments > Payment default to select a default payment App where the payment service is enabled.
Note
HCE Wallet: The HCE, namely Host Card Emulation, is the technology used to emulate a credit or debit card on the phone. Only mobile payment with the HCE option works on Xiaomi phones.