Why Does Google Pay Say “Invalid Debit Card Information (XN)”? How Can I Fix This Annoying Error?

What Steps Help Me Quickly Solve the “Invalid Debit Card Information (XN)” Problem in Google Pay or Wallet?

Adding a debit or credit card to Google Pay or Google Wallet should be easy, but sometimes, a message pops up:

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

This message means something isn’t quite right with the card details. Let’s make sense of what’s happening and how to fix it, step by step. I’ll keep things simple, so you can follow along and get back to using your card without stress.

What Causes the “Invalid Debit Card Information (XN)” Error?

The error usually means Google Pay or Wallet can’t use your card because some information doesn’t match what your bank has. Here’s what can go wrong:

• The card number is typed wrong.
• The card is expired.
• The name on the card doesn’t match your bank’s records.
• The CVC (the three numbers on the back) is old or wrong.
• The app has old data or is broken.
• You used a nickname or short name instead of your full legal name.
• The card was already used in Google Pay or Wallet before, and the system needs a reset.

How Do I Fix This Error?

Let’s go through the steps I use to fix this problem. Each step is easy and doesn’t need any special skills.

Solution 1: Check the Name on the Card

Look at your card. See the name printed on it.

1. Open Google Pay or Wallet.
2. Type the name exactly as it is on the card.
   • If your card says “John A. Smith,” don’t type “Johnny Smith.”
   • If your bank uses your middle name, include it.
3. Even one letter wrong can cause the error.

Solution 2: Check the Card Details

• Type the card number carefully. Double-check each digit.
• Make sure the expiration date is correct.
• Enter the CVC code exactly as shown on the card.
• If your card is old or worn out, try a new card if you have one.

Solution 3: Use Your Bank’s App

Some banks let you add your card to Google Pay or Wallet right from their app.

1. Open your bank’s app.
2. Go to the “Cards” section.
3. Tap “Add to Google Pay” or “Add to Wallet.”
4. Follow the instructions.

This can solve problems if Google Pay or Wallet is having trouble on its own.

Solution 4: Update or Reinstall Google Wallet

Sometimes, the app has old files that cause errors.

1. Press and hold the Google Wallet app icon.
2. Tap “Uninstall.”
3. Go to the Play Store.
4. Search for “Google Wallet.”
5. Tap “Install.”
6. Open the app and try adding your card again.

Solution 5: Ask Your Bank for Help

If you tried the steps above and still see the error, your card’s “token” might be stuck.

1. Call your bank’s customer service.
2. Ask them to “reset the card token” for Google Pay or Wallet.
3. After they reset it, try adding your card again.

Extra Tips for Success

• Use your legal name, not a nickname.
• Make sure your address matches what your bank has.
• Keep your phone’s software and apps updated.
• Try adding the card on Wi-Fi if mobile data is slow.

Why Does This Error Matter?

Not being able to add your card can feel discouraging, especially when you need to pay for something important. By following these steps, you can fix the problem and feel confident your card will work when you need it.

You’re not alone in facing this problem. These steps can help you solve it and get back to using your cards with ease.