Contact us at Microsoft support message

Then you need to contact support and speak to billing. You can request a call back or chat with them at http://support.xbox.com/contact-us

Hi there,

for an issue like this, please check if all details are correct at
http://billing.microsoft.com

If all seems good, then it's best to contact Xbox Support via Phone or Microsoft Support Chat at
http://support.xbox.com/contact-us

They are able to do a more indepth check on what is causing the issue

I'm Samy an independent advisor and I'll be helping you

How are you?

Please remove your payment details and re-add, update your billing addresses and try to purchase again. If the problem persists, wait 24 hours before purchasing again.

On this link, you can adjust your payment methods.

https://account.microsoft.com/billing/payments/

And on this other link, you can adjust your billing addresses.

https://account.microsoft.com/billing/addresses

Hi and thanks for reaching Microsoft Xbox gamer's community. My name is Josef.
I'm an Independent Advisor and a Microsoft Xbox user like you.

Hope you're doing great today despite this Ryan

If you don't mind, please answer the following questions :
Is this the first time that you try to purchase something on Xbox.com or was you able to do it in the past?
Where are you physically located? (Please don't lie, this is very important)
Is your payment method billed and issued in the same place as you live?
Your Microsoft account region matches with your physical and payment method location?
(Check account region here https://account.microsoft.com/profile)

And if you try with a different payment method the same message appears?

same problem processing payment and won't go threw using debit or credit cards