Hi! My name is Aj and Im an Independent Advisor here to help! Im sorry to hear about the payment you made. Kindly try these..
Try removing and re-adding the card
Microsoft account country/region matches the region of the payment method
Try another payment option
Contact your bank to make sure they are not blocking the charge.
If nothing works, you can contact microsoft store support directly at https://support.microsoft.com/contactus. Sign in with the Microsoft account you are using for the purchase. Choose Microsoft Store & Billing. Select the topic that fits best, for example Payment & billing > Troubleshoot purchasing.
You will see options like Get help via chat, request a call, or sometimes email support depending on your region.that page so they can check your account and clear the payment error.