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Did you try another payment method too?

I'm Samy an independent advisor. Welcome to the community. How are you?

Remove your payment method from your account at this link, then update your account's billing addresses in the second link and add your payment method to your account again.

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

On this link, you can adjust your billing address.

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

Then try to purchase again. If the problem persists, wait 24 hours before trying to buy again.

And if in case you haven't been trying, try buying the game in your browser. On this link, you can buy the game.

https://www.microsoft.com/en-US/p/overwatch-leg...

In third-party stores on the internet or in physical stores like Walmart, for example.

How do I buy the digital code

It should work. If possible, buy the game's digital code instead of adding credits to your account.