Xbox series x pre order payment

I pre ordered the xbox for my son and i relieved a text from my bank asking me to confirm I'd made the payment,, replied yes and they declined the payment. I've messaged my bank and apparently they don't allow payments to Microsoft for fraud reasons??

What can I do?

How can I pay for it?

there's plenty of money in the bank but I can't seem to get any answers on how I can pay it. My son will be gutted Christmas morning if I can't sort this out.. I've told the bank I authorised this payment and I'm currently on hold to the fraud team. Will
Microsoft try to take the payment again and will barclays allow it now I've told them?

Has this happened to anybody

:)