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PayGo and root - let's figure out how to make it work while the OS is rooted

Hello folks of XDA, especially the Italians one since i'm creating this thread to address one of the most wanted feature of the Italian Intesa San Paolo home banking mobile application for Android, that is making PayGo work with a custom ROM, rooted phone, ecc....
Now let's first state what PayGo is and what's the problem:
PayGo it's a feature of the application that allows you to emulate the contactless chip of one of you credit/debit card through NFC.
PayGo requires your phone to be unrooted and unmodified.
Every attempt to hide the modifications through Magisk Hide allows you to pass the initial warning of the application about Root and Custom ROM but the feature then fails to start with an unknown error.
So, summing up, PayGo won't work even if you pass SafetyNet checks and no one seems to understand what it checks.
Now, I'm a developer but I'm not even close to understand how security checks and stuff works under the hood in Android but my guess is that PayGo checks somehow if the bootloader is unlocked or not. Following this intuition I Googled how to check from application code if the bootloader is unlocked or not. One answer on Andorid Stack Exchange seemed to be really useful: it states that from a dialer app you can check if the bootloader is unlocked or not. Now, that answer reminded me that I was always wondering why Intesa San Paolo app was asking for phone permissions even if it never used them (at least apparently) and an idea popped to my mind:
what if the app asks for phone permissions only to check as dialer if the phone has unlocked bootloader or not?
Well, I revoked phone permission to the app and tried to open PayGo and guess what, it asks phone permissions right away! If you deny them and check "don't ask me again" it won't even open anymore, so my guess may be right.
The problem now is to understand what values is returned to the dialer and how to modify it so that we can test it.
Any good soul that can offer a solution through, i don't know, a Magisk module or something?
Thank you for your time in reading this, I hope it helps someone

@Diomorgan, @Errtu73, @olivercervera may find this thread useful

Have you tried disabling ADB debugging? I have personally tested PayGo and works

olivercervera said:
Have you tried disabling ADB debugging? I have personally tested PayGo and works
Click to expand...
Click to collapse
Yes, it passes the first warning but then fails to start with unknown error

You are lucky because I'm customer of the Intesa group (although I usually don't use this app)
As I said earlier, it works perfectly on my device. The issue is specific to your ROM/device.
I just activated the App and PayGo right now...

olivercervera said:
You are lucky because I'm customer of the Intesa group (although I usually don't use this app)
As I said earlier, it works perfectly on my device. The issue is specific to your ROM/device.
I just activated the App and PayGo right now...
Click to expand...
Click to collapse
Well I tried it on a OnePlus One with Sultanxda LOS but no luck, same on LG G4 with official LOS. Which phone and ROM are you using?
I'll try with my OnePlus 5 keeping the stock ROM, hoping it will work

Lamba92 said:
Well I tried it on a OnePlus One with Sultanxda LOS but no luck, same on LG G4 with official LOS. Which phone and ROM are you using?
I'll try with my OnePlus 5 keeping the stock ROM, hoping it will work
Click to expand...
Click to collapse
I'm on Xiaomi Mi5 and LOS 15.1 (Android 8.1)
LOS is not the problem, probably there was something weird in the ROMs you tried. Some old ROMs are implemented in a way that Magisk can't really work/hide everything, most of them before SafetyNet/Magisk era.
Try with stock ROM and Magisk, you should be fine.

Using NFC "Card Emulator" while screen is off

Hi everybody !
I'm the lucky owner of a OnePlus One rooted whith custom rom (Resurrection Remix Oreo 8.1 [latest build]) and I was wondering about some tricks to do with the NFC HCE built-in the OPO.
Where I Work, we use NFC cards (MiFare Classic 1K) to access different parts of the building, and i forget my card all the time at home. So I looked on the internet and stumble upon the Card Emulator app which can (if you're rooted) scan the UID of an NFC tag and write it in the HCE part of the NFC module in the OPO.
So I'm able through this method to use my phone while its screen is on and unlocked. Then I wanted to do so while the screen is off, that's why i installed Xposed and the NFC LockScreenOff Enabler module.
But it doesn't seem to work.
My question is, is there a way or an another to use this application while the phone screen is off ?
thanks !

I do not have an answer for your question, but thank you for mentioning this app, I have it now too

r0tati0n said:
I do not have an answer for your question, but thank you for mentioning this app, I have it now too
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Click to collapse
You're welcome. But keep in mind that this is only effective when the software that manages the NFC tag readers only use the UID to complete the authentification, which is not secured at all if you value my opinion... I hope that most of modern aunthentication system retailers don't rely anymore on such use of NFC tags.

Have you looked into Menu-Advanced-Xposed in this app?
There is an option Enable NFC when screen is off...

Haven't noticed it ! Will try ASAP. Thanks !

VoLTE/VoWiFi device model spoofing when device not allowed by carrier

Hi,
I've got several devices with VoLTE/VoWiFi capacity (like Xiaomi mi 9T Pro, OnePlus 8T, Xiaomi Mi 9 SE, Google Pixel 3...), but that are not supported by my carrier (Orange France). They only allow it for the devices on this list, according to tests they performed in their lab to ensure there aren't any issues to register them on their network :
https://reseaux.orange.fr/famille/appels-wifi
However, the other carriers in France I tested (SFR and Bouygues Télécom) are allowing these devices to have VoLTE/VoWiFi (I used both sim slots, and I have LTE data access on both. It's always the non-Orange SIM which can make LTE or Wifi calling).
Does someone know how to fake my device model in a carrier perspective ? I tried Device Faker plus and Android faker (on this thread : Android Faker) Xposed modules (on different LineageOS versions with Magisk installed and Riru/LSXposed loaded), but it's quite hasardous to make any random changes, without being sure which one could be effective to change.
Thank you in advance if someone has a solution !

Hi,
I'm sorry to answer so late but i just subscribe to orange, and i have a poco f3, i think this device isn't compatible with this carrier, and i want to know if you find a way to get it work.
Thank you

titou4488 said:
Hi,
I'm sorry to answer so late but i just subscribe to orange, and i have a poco f3, i think this device isn't compatible with this carrier, and i want to know if you find a way to get it work.
Thank you
Click to expand...
Click to collapse
If the carrier doesn't support the device, there is nothing you can do.

No, sorry, I didn't find anything. It seems all you can do is related to play store, and so on. I was able to fake my phone model to be able to install certificates from my company (for emails sync, through exchange), but that's it. It seems it's handled directly by the chipset, and you won't be able to change that within Android.

A year later, I'm on the same boat. Is there anything new around this?

NFC not working properly

I cant get NFC to work properly. My phone is able to read cards and tags in NFC mode but it doesnt emit anything. E.g. google pay is not working.
I have ArrowOS 11 with latest MIUI firmware.
I tried with my wifes NFC phone and my Poco can register signal from her phone but not the other way around.
Im thinking firmware issues or something with ArrowOS?
Any ideas?

I've got a similar issue, I can't get NFC payments to work. Also using Arrow OS 11 (latest release) with the newest miui firmware. Tried to root my phone with Magisk 24 to see if this works but until now without any success. Any help would be great.

I was able to get mine to work yesterday using an apple 12 as reciever.
The signal is insanely weak, i literally had to use a precise angle at a certain spot on the iphone to get a registration.
There is no way to get a card terminal to register anything this NFC emits. Seems it has to be closer than a few millimeters apart to get any registration.
Which is strange because i can scan tags/cards that are a few cm away without issue..
Im thinking this is a hardware issue

ndb055 said:
I've got a similar issue, I can't get NFC payments to work. Also using Arrow OS 11 (latest release) with the newest miui firmware. Tried to root my phone with Magisk 24 to see if this works but until now without any success. Any help would be great.
Click to expand...
Click to collapse
Install Magisk 23, hide the Magisk app (it will get a different icon and a different package name), hide Magisk from Google Play, Google Pay and your banking apps, install GPay SQLite Fix v2.6 from here:
Releases · stylemessiah/GPay-SQLite-Fix
A magisk module that ONCE allowed Google Pay to work on rooted phones - stylemessiah/GPay-SQLite-Fix
github.com

Question Google Wallet on MIUI 14?

Anyone got Google Wallet with NFC working on MIUI 14? I previously had it working on MIUI 13 but not since I upgraded.

Ok solved my own problem. In case anyone might be interested, my problem was that one of the Magisk modules (i.e. AndroPlus's Google Assistant module) was "disabling" my NFC. Once I turned off that module, it all worked again.

Hello i can't paying with m'y phone because my phone IS rooted

issa033 said:
Hello i can't paying with m'y phone because my phone IS rooted
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Click to collapse
Since your phone is rooted it should be no problems. Make sure you have the magisk module "universal safety net fix" and don't use AndroPlus's Google Assistant magisk module. It should work, if not then disable all other modules and see if it works. If it does, then its one of the modules causing the problem. That was the issue with mine.

FYI in case anyone is interested, I have a Mix fold 2, MIUI 14, unrooted, and I finally worked out how to get Google Pay/wallet working on it without rooting.
Instead of adding the card from the Google Pay app which would give me an error every single time, I went into my internet banking app on the fold 2 and started digging through my banking app settings. In those settings, I found a "cards" section, and, 'lo and behold, there beside my regular card was a little G pay icon. After clicking the icon, my banking app downloaded google pay onto the fold for me, sent me confirmation code by text and this time, NO ERRORS! It all went smoothly. I have used my phone to pay 4 times today and it's working like a charm.
I'm in Australia, using National Australia Bank.
I'm so thrilled, as it's been a couple of years since I rooted anything, and I didn't want to do it on something as nice or expensive as the fold (not for some time yet anyway).

bunnigrrl said:
FYI in case anyone is interested, I have a Mix fold 2, MIUI 14, unrooted, and I finally worked out how to get Google Pay/wallet working on it without rooting.
Instead of adding the card from the Google Pay app which would give me an error every single time, I went into my internet banking app on the fold 2 and started digging through my banking app settings. In those settings, I found a "cards" section, and, 'lo and behold, there beside my regular card was a little G pay icon. After clicking the icon, my banking app downloaded google pay onto the fold for me, sent me confirmation code by text and this time, NO ERRORS! It all went smoothly. I have used my phone to pay 4 times today and it's working like a charm.
I'm in Australia, using National Australia Bank.
I'm so thrilled, as it's been a couple of years since I rooted anything, and I didn't want to do it on something as nice or expensive as the fold (not for some time yet anyway).
Click to expand...
Click to collapse
Wohooo!!! Just discovered another Aussie Mix Fold 2 user!!! Yeah! Our numbers are growing ;-P

Anyone have wallet working it complains about root even though I have magisk hide + safety net fix. miui 13