I'm trying to buy the game Raft, but the payment options for the card don't include the...

you don't buy currency on your Xbox you would've had to buy.l a card

Payment options on file can only be used to buy Games and membership directly

there is no credit card. that's the issue. I want to use paypal, in lieu of using a credit card. i have money on my pay pal account, and want to pay with that - but it's not letting me add it as a payment option, as it claims i need to add a credit card
"to complete the purchase." Note, no purchase is being made, i'm simply trying to add paypal as a payment option to buy xbox live points.

Prepaid cards (gift cards) can't be used as a payment option for 360 BC games.

You'll have to add a credit card or a paypall account to your payment options.

If you still have a Xbox 360 console you can buy them from there without the need of adding a payment option.

Hello, I'm Felipe and I'm an independent Community Advisor, and I'll do my best to help you.

I'm sorry to hear that you are having trouble with renewing your Game Pass Ultimate subscription. Here are a few steps you can try to resolve the issue:

Check your payment information: Make sure that your payment information, including your card number, expiration date, and billing address, is up to date and correct.

Contact your bank: Contact your bank or credit card company to ensure that there are no issues with your account, such as a hold on your card or insufficient funds.

Try a different payment method: If your card is not working, try using a different payment method, such as PayPal or a different credit card.

Contact Microsoft Support: If none of the above steps work, you may need to contact Microsoft Support for further assistance. They may be able to help you resolve the issue or provide alternative payment options.

In the meantime, you may want to consider purchasing a Game Pass Ultimate subscription gift card, which can be redeemed for subscription time. This may be a good option if you are unable to resolve the payment issue in time for your upcoming holiday.

Sometimes you have to manually select the Gift Card or the credit on your account when purchasing something or pre-ordering in the Store. A quick way to see if you have used the gift card or credit on your account is to go to the Store and click on a game
and press to Buy it (don't really buy it, you just want to see the payment options). Then it will pull up your payment options and you can see if your gift card balance or account credit is still there or not.