Mobile payments are supposed to be quick and reliable, so when they suddenly stop working on your Xiaomi 15 Ultra, it can be frustrating. You tap your phone, nothing happens, or the payment gets declined without a clear reason. In most cases, this issue is caused by NFC settings, app restrictions, or system security checks, all of which can be fixed with a few careful steps.
Why Your Xiaomi 15 Ultra Cannot Make Mobile Payments
- NFC is turned off or not set as the default payment method.
- The mobile payment app does not have the required permissions.
- The phone does not pass security requirements like screen lock or device integrity.
- Battery or power saving features are restricting background activity.
- Temporary software glitches after an update or restart.
1. Make Sure NFC Is Enabled
Mobile payments rely entirely on NFC, so if it is off, payments will fail every time. Even if you enabled it before, a system update or reset can switch it off automatically.
Open Settings, and then tap Connection and sharing.
Tap NFC, and then toggle it on.
Confirm that NFC stays enabled before trying to pay again.
2. Set the Correct Default Payment App
If multiple payment apps are installed, your phone may not know which one to use. Setting a default app ensures the system sends payment requests to the correct service.
Open Settings, and then tap Connection and sharing.
Tap NFC, and then tap Default payment app.
Select your preferred mobile payment app from the list.
3. Check App Permissions
Payment apps need specific permissions to work properly, including NFC access and background activity. Missing permissions can silently block transactions.
Open Settings, and then tap Apps.
Tap your payment app, and then tap Permissions.
Allow all required permissions, especially NFC and background access.
4. Enable a Secure Screen Lock
Most mobile payment systems refuse to work if your phone is not secured. A PIN, password, or fingerprint is required to protect your payment data.
Open Settings, and then tap Passwords and security.
Tap Screen lock, and then set a PIN, pattern, or fingerprint.
Lock your phone once to confirm the security is active.
5. Disable Battery Saver for the Payment App
Aggressive battery saving can stop payment apps from running properly in the background. This can cause payment failures even when everything else is set correctly.
Open Settings, and then tap Battery.
Tap App battery saver, and then select your payment app.
Set it to No restrictions to prevent interruptions.
6. Restart Your Phone
A restart refreshes system services like NFC and clears temporary bugs. It is a simple step, but it often fixes payment issues immediately.
Press and hold the Power key, and then tap Restart.
Wait for the phone to boot up fully.
Try making a mobile payment again.
Mobile payments on the Xiaomi 15 Ultra usually fail because of small configuration issues rather than hardware problems. Once NFC, permissions, and security settings are properly configured, payments should work smoothly again.
FAQs
Why does my Xiaomi 15 Ultra say device not supported for payments?
This usually means the phone does not meet security requirements, such as having no screen lock or failing device integrity checks. Setting a secure lock and updating the system often fixes this.
Can software updates break mobile payments?
Yes. Updates can reset NFC settings, permissions, or battery rules. Rechecking these settings after an update is recommended.
Do mobile payments work without internet on Xiaomi phones?
Some payments work offline using stored tokens, but initial setup and verification usually require an internet connection. Keeping mobile data or Wi-Fi on improves reliability.
