Issues with Microsoft Wallet Syncing Debit and Credit Cards

Dear Anonapus

Thanks for reaching out! Welcome to Microsoft Q&A. I'm Haien from Microsoft Q&A.  

I understand that for the past six months, you've been unable to sync your debit and credit cards from your Microsoft Wallet on your gaming PC to your Xbox account. You've also noted that you can add cards on your PC, but they fail to sync with your Xbox, and you're questioning whether certain banks or cards are restricted. This is a frustrating problem, especially when you need to make purchases across your devices

Based on your description, this could be due to: Sync configuration limitations / Bank or card restrictions/ or Account or device-specific problems might indicate a temporary glitch or delay in the sync process across devices

Since the Microsoft Wallet and payment methods work similarly across versions, try these steps on both your PC and Xbox:

Option 1: Remove and Re-add the Card via Microsoft Account

• Go to https://account.microsoft.com/billing/payments in a browser (e.g., Edge or Chrome).
• Go to "Payment & billing" > "Payment options." > Remove the existing card(s) from your payment methods > Click on "Add a new payment method." > Add the debit or credit card again, ensuring the billing address matches exactly.
• Check Settings > Accounts > Windows backup, ensure "Remember my preferences" (including payment methods) is enabled.

Option 2: Enable Sync in Edge or Wallet App

• In Edge, go to Settings > Profiles > Sync > toggle on "Payment methods" > Restart Edge and check if the card appears in Wallet.
• If using the Wallet app, sign in and select Sync across devices > Save to Microsoft account.

Disclaimer: Microsoft does restrict certain cards or banks in some regions due to local laws or partnerships—e.g., syncing isn't supported for bank cards. Check your region's payment support at Add a new bank or credit card to your Microsoft account - Microsoft Support

Recommendation: Report to Feedback Hub

I strongly recommend that you contact Microsoft Support and submit feedback regarding your issue so they can verify your error via this link: Contact Us - Microsoft Support

• Open the Feedback Hub app > Click "Add new feedback." > Provide a detailed description of the issue, including when it started, what you've tried, and the result > Submit the feedback under the suitable category.
• Visit https://support.xbox.com/contact-us > select "Billing and Payment" > report the Sync issue.
   

If you've already tried these steps and are still encountering issues, please reply to this thread with the requested details so we can investigate further and ensure your subscription is activated properly. Also, please keep me updated with anything new that you were try to each option.

If the answer is helpful, please click "Accept Answer" and kindly upvote it. If you have extra questions about this answer, please click "Comment". 

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We appreciate your patience and look forward to resolving this quickly for you.

Warm regards,

Haien - MSFT | Microsoft Q&A Support Specialist 

I’ve seen similar issues before — sometimes it’s not a sync bug but rather card compatibility. Microsoft Wallet can be picky with certain banks, especially if the card issuer hasn’t enabled support for Xbox or Windows payments. You might want to check with your bank to confirm if their cards are supported, and also make sure your Microsoft account region matches your card’s billing address. Clearing payment methods and re-adding them via account.microsoft.com instead of the app has worked for some users.