how do i update payment method

Try following these steps regarding payment methods on your account . https://support.xbox.com/en-US/billing/payment-and-purchases/manage-payment-options-online

Hey there,

You can do that here : https://account.microsoft.com/billing/payments?fref=home.banner.payment-instruments&refd=account.microsoft.com

I see if a payment method error appears when trying to pay for the purchase, try using another payment method. Here's how to update a payment method:

1. Sign in to the Microsoft account you want to update.

2. Go to Payments & Billing and select Payment Options.

3. Under Payment Methods, you can select Add a new payment method, View or edit card, or Delete card.

4. Enter the updated information and select Save. If no more requests appear, you are done.

5. If this doesn't work, contact your bank or payment provider to verify your payment information.

Hi, and thanks for reaching out. My name is Miguel O., Sorry to hear you're experiencing this issue!

Please proceed to do a power cycle to fix the issue

1. Turn off your console by holding the Xbox button  on the front of the console for approximately 10 seconds. The console will turn off.

2. Turn your console back on by pressing the Xbox button  on the console or the Xbox button  on your controller.

If you don't see the green boot-up animation when the console restarts, repeat these steps. Make sure that you hold the power button until the console completely shuts down.

Important If your console is in Sleep mode, the above steps will shut the console off completely. Sleep mode, or the ability to turn on your console by saying "Xbox on," won't be enabled until you restart the console.

If your problem persists or the problem is fixed please let me know!

Give back to the Community. Help the next person who has this issue by indicating if this reply solved your problem. Click Yes or No below.

Hi, my name is Marvina and I will be happy to help you.

I'm sorry you have this problem. Follow the instructions below for a solution.

If you see a payment method error when trying to pay for your purchase, try using another payment method. Here's how to update a payment option:

Sign in to the Microsoft account you want to update.
Microsoft account
Go to Payments & Billing and select Payment Options.
Under Payment Methods, you can select Add a new payment method, View or edit card, or Delete card.
Enter the updated information and select Save. If no more requests appear, you are done.

If this doesn't work, contact your bank or payment provider to verify your payment information.
If you see a payment method error when trying to pay for your purchase, try using another payment method. Here's how to update a payment method:
Sign in to the Microsoft account you want to update.

Microsoft account
Go to Payments & Billing and select Payment Options.
Under Payment Methods, you can select Add a new payment method, View or edit card, or Delete card.

Enter the updated information and select Save. If no more requests appear, you are done.
If this doesn't work, contact your bank or payment provider to verify your payment information.

Information source (credits):
https://support.xbox.com/help/subscriptions-billing/buy-games-apps/payment-errors

Best regards,
Marvina.

I hope I can help you solve it.

Best regards,
Marvina.