Fix: “Invalid Debit Card Information (XN)” Error in Google Pay or Wallet

When you’re trying to add a debit or credit card to Google Pay or Google Wallet, you may encounter the error:

“Invalid debit card information. Please try again. (XN)”

This error typically indicates that the card details entered are invalid, outdated, or not verified, which prevents the card from being added successfully.

The most common causes of this issue include incorrect card numbers, expired cards, mismatched cardholder names, or outdated CVC codes. It may also result from using inconsistent personal information (such as a nickname instead of your full legal name) or from corrupted or outdated versions of the Google Wallet or Google Pay app. Now that you understand the possible reasons, let’s walk through the most effective solutions.

1. Verify Cardholder Information

Before attempting any other fix, double-check the cardholder’s name entered in Google Pay. The name must exactly match the one registered with your bank. Even small variations, like omitting a middle name or using a nickname, can trigger this error.

Carefully compare the name you enter with the one printed on your physical card and ensure it matches the records your bank has on file.

2. Add Card Using Your Banking App

If you’re facing this error while adding a card through the Google Pay or Wallet app, it might be due to a temporary issue within the app. A more reliable approach is to use your bank’s mobile application if it supports Google Pay or Wallet integration, to add the card directly.

1. Open your banking app and navigate to the Cards section.
2. Tap the “Add to Google Pay/Wallet” button.

3. Reinstall the Google Wallet App

Sometimes, app files may become corrupted, causing functionality issues like the XN error. Reinstalling the Google Wallet app ensures that any broken data is cleared and replaced with a fresh, updated version.

1. Tap and hold the Google Wallet app icon.
2. Select Uninstall.
3. Confirm by tapping OK.
4. Go to the Play Store, search for Google Wallet, and reinstall the app.

4. Ask Your Bank to Reset the Card Token

If you’ve previously added this card to Google Pay or Wallet, the error might occur because the card’s authorization token is already in use and cannot be reused. In such cases, contact your bank and request a token reset. Once the token is reset, try adding the card again through Google Pay or Wallet.