How can I pay an outstanding balance if I do not have the payment option of pay pal and...

You can't use your account credit for that. When your Xbox subscription is suspended and you have an outstanding balance, you must pay the balance in full to continue using it. Here’s how to pay your past due balance online:

1. Sign in to your Services & subscriptions page with your Microsoft account.
   Note If you don't know your Microsoft account email address or password, use the
   
   Lost Account Solution or the
   Lost Password Solution.
   
2. Find your past due subscription in the list. The amount past due will be in red.
   
3. Select Pay now, and then follow the instructions to pay the balance due.
   

Note Adding a prepaid code will not settle the balance you owe. You need to settle the outstanding balance using the steps above before redeeming your prepaid code.

Payment options include:

• Credit cards
• Prepaid credit cards
• Debit cards (not available in all regions)
• PayPal accounts (not available in all regions)
  
• Direct debit (Germany only)

Contact official support by phone or in chat. The can most likely help you.

You can only pay an oustanding balance with :

• Credit cards
• Prepaid credit cards
• Debit cards (not available in all regions)
• PayPal accounts (not available in all regions)
• Direct debit (Germany only)

To pay an outstanding balance you need one of the following payment options:

• Credit cards
• Prepaid credit cards
• Debit cards (not available in all regions)
• PayPal accounts (not available in all regions)
• Direct debit (Germany only)

Hi there,

available payment options are different per country/region maybe Paypal will be an option for you and the country you live in too.

For the exact steps on how to pay an outstanding amount see this support page:

https://support.xbox.com/billing/xbox-subscriptions/pay-past-due-balance-on-xbox-subscription

If that fails then the best option is to contact Xbox Support via Phone (or Support Chat) via
http://support.xbox.com/contact-us

As for what happens if you do not pay the outstanding amount, then the account will most likely be suspended until the outstanding amount will be paid.