unable to add new payment option

i dont have paypal unfortunately

I had the same problem with my card, ended up just adding my paypal instead, a lot easier.

is it easy to set up a paypal account?

Hello Artemis_661,

Thank you for sharing this concern with the community. Please be guided by the fact that our support boundaries are limited to what we can do or recommend on our end. For this reason, I kindly request that you contact the live support team, who are better equipped to handle your case, which involves account and personal information that cannot be posted here in the community. You can reach them by following the steps below. Thank you for your understanding and cooperation.

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5. Select the "Contact Us" button
   
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Hello!

Hope you are well. I'll be glad to help you, just remember that you're not talking to a Microsoft employee.

Try adding your payment method through this website

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

- Try using different browsers and devices.

- Try adding the payment method by adding the information completely in uppercase or completely in lowercase.

- Make sure the information matches the information you provided to your bank.

If in your country it is available to pay with Paypal in the Microsoft store, the fastest and most effective solution is to associate your card to Paypal and then associate Paypal to Microsoft.

In case this doesn't work and as you have had the problem for months, you should seek help from a Microsoft agent through the contact page that you can find in any browser.

Remember that this is a public forum and that those of us who participate in it are common players, I'm not part of Microsoft support nor can I enter the system, the only thing I can do is provide you with information that might help you. I hope you will understand

Best regards.