Cannot seem to download Xbox 360 games from the Microsoft Store (You have no valid payment...

You still need a payment option for the system to "charge" even if it's free. If you're trying to download the 360 games, you would have to purchase them from a 360 in order to bypass the credit card/paypal issue. The 360 store is set up differently than
the store on the One and does not see your Microsoft account balance as a valid payment option.

You would need a credit card/Paypal on file in order to download the 360 games with gold games, even though they're free. The 360 store is set up differently from the store on the One. The One does not see your Microsoft account balance as a valid payment
option for 360 content.

If it's a 360 game and you're trying to download it from the One, you need a credit card or Paypal on file to make the purchase, even if it's free. The 360 store is set up differently and the store on the One/website does not recognize your Microsoft account
balance as a valid payment option for 360 content.

Hi StoneBanks619,

Thank you for coming to the forums. Errors like these usually occur due to region mismatch issues where the Microsoft Store you are trying to purchase from cannot verify your payment option if it is not a valid payment option from Italy, which is the Store
you are buying from.

You will need to make sure that your Microsoft Account region and billing account have a valid billing address from Italy in order to purchase items from the Italian Microsoft Store.

I'm going to assume the game you can't download is the Xbox 360 Games with Gold game. If so, nothing has changed. In order to download backwards compatible content, the system requires a valid payment method on file. The One/website do not see the Microsoft
account balance as a valid payment option for 360 content so you have to have a credit card/Paypal on file for those purchases, even if they are free, or the purchase has to be made from a 360 console.