Windows 10: Help, I am having trouble adding a payment method to my Microsoft account

I am planning to avail the PC gamepass in the Philippines. but Microsoft doesn't seem to accept my payment method. I am currently using a Paymaya with a Visa Virtual Card, a paypal linked to said Visa card, and an AMEX virtual card on Gcash. All of these cards seem to fail, and I have cash inside those accounts. These cards are accepted on other sites such as Steam and Coursera, I also adjusted the address on my account to match the billing address. I am out of options on trying to buy the gamepass.

:)

 

To REMOVE a payment method or switch between payment methods

To add a payment method or switch between payment methods By default, apps are added to your phone bill when mobile payments are offered. To pay with a credit card instead:

• On the phone or on windowsphone.com, tap
  Add or switch payment methods on the purchase confirmation screen.
• Add a new payment method or change the payment method.

Like always, things are made difficult for the end user

HOW TO REMOVE A PAYMENT METHOD ?

I have removed my visa card, but now have my mobile operator listed as a payment method, how to REMOVE this ?

 

payment method

To add a card or other payment method to your Microsoft account:

• Sign in to account.microsoft.com.
  
• Go to Payment & billing and select
  Payment options.
• Select Add payment option.
  
• Fill in the required fields, and hit Next. If you don't get any more prompts, you're done.

Its the only way I can help....