New Digital Direct Option, Option not there

Hello so are these photos from your actual account?? I see the decide later if it is...have you tried to highlight it to select it??

The game is sent as "Digital Direct" not as a code. There are some other options to find the game noted at https://www.xbox.com/consoles/digital-direct

I have a similar problem. I did not redeem the digital direct content at setup. The 'Included with this Xbox' option does not appear in Settings. I am certain the option was there yesterday. I have tried removing and re-adding my profile, restarting and
resetting the xbox.

If you buy direct from microsoftstore.com you have options for both, if you buy digital you'll get an email with a redeemable code or if you buy physical it will be shipped to the address you provide. If you buy from the marketplace on the Xbox it's always
digital.

Theres no 8 digit code for the error.Heres what the error reads

This payment option can't be used for this purchase.Please select a different payment option or add a new one.