Problem with setting up payment method (credit/debit card) in south Africa

try to change your region in the console settings, if the problem continues and you will still pay by credit or debit card open a paypal account and use it as a payment method

You have to choose, PayPal or Credit/Debit card as primary method of payment, then you will get the option to split payment between MSC and PayPal and Credit/Debit card.

Secondary payment method, prepaid card, credit card/debit card etc.

I have a debit and a credit card as payment method. I must say that I never encounter this problem before.

My name is Fernando I'm an independent consultant, I'm happy to help

This could mean that the billing address for your payment option is incorrect. To fix this issue, make sure the correct billing address is listed on the payment method you're trying to use:
Sign in to your Microsoft account.
Microsoft account
Click Payment & Billing, then Payment Options.
Under Payment Methods, select the payment method you tried to use to make the purchase.
For credit cards, debit cards, and direct debit, do the following:
Select View or edit card and adjust the billing address as needed.
Select Save when done.
For PayPal, do the following:
If the email address is incorrect for the PayPal account, select Remove Account.
Select Add a new payment method.
Select Credit Card or PayPal.
Follow the instructions to set up your credit card, debit card or re-add your PayPal account as a new payment option using the correct billing address.
Note Edit debit cards as you would a credit card (not available in all locales).
You will now be able to complete the transaction.

Hope I helped and see you soon