Cant Buy Games On Xbox Live With Microsoft Money Says I Need Credit Card

Currently, there are 2 methods to buy on foreign stores

Either via games "code". Click here to see how to buy and activate a game "code".
Or via Xbox Live gift cards. Read the rest of the page to see how to do it 😉

Buying Xbox Live gift cards

In this technique, you need to buy Xbox Live gift cards, and then use them to buy games on foreign stores.
This technique is the simplest, but unfortunately some stores doesn't offer gift cards.

Video tutorials

I'm adding some links to video tutos made by YouTubeur that explain how to buy Xbox one games on foreign stores:

FR Videos

(2017) Purchase on Turkish store, with gift cards bought on MTCGame
(2019) Purchase on Singapore store, with gift cards bought on SeaGM

EN Videos

(2019) Purchase on Brazil store, with gift card bought on G2A

DE Videos

(2019) Purchase V-Bucks on Turkish store, with gift card bought on MTCGame

ES Videos

(2017) Purchase DOOM on Russia store, with gift cards bought on SeaGM
(2017) Purchase Destiny 2 on USA store, with gift cards bought on G2A

Vidéos PL

(2018) Purchase MAFIA III on Russia store, wilth gift cards bought on Nilt

Text tutorial

1. Buy your Xbox Live gift card

Gift cards are zoned.
For example, if you want to buy a game on Canadian store, you must purchase a gift card in Canadian dollars (CAD). (Do not confuse with American dollars : USD !)

It's no longer possible to purchase foreign gift cards on the official Microsoft website.
Now you have to go through third-party sites such as G2A, MTCGame, SeaGM or PlayAsia.

Here is a page listing all websites that selldigital gift cards : Where buy Xbox Live gift cards

2. Get your game on foreign store

What you should know is that your wallet are specific to each store (country).

If you credit 100 Canadian dollars (CAD) to your account. You can't buy games on a store other than Canada with the $100 CAD.

Access the game's page on our site Xbox-Store-Checker, then click on the button "View on Microsoft.com".
You'll be redirected to the official website Microsoft.com with the page of the game, and the desired store.
First log in to your Microsoft account if you have not already done so
You will have to credit your gift card on your Microsoft account, I invite you to follow this tuto : https://xbox-store-checker.com/en/new-version-of-the-microsoft-store-impossible-to-add-a-gift-card/
When it is done, click on the button to buy the game.
You should see your balance
Click on the green button to buy the game
The game is purchased and you can now download it to your console, in your language!
Have fun!

Differences depending on the store

On the Brazilian store

On the Brazilian store, following an update from Microsoft, to be able to use your balance you must add a credit card + address on the store in question.

For the credit card, you can use your own! No need for a Brazilian credit card 😉

Example :

You buy 50 BRL (Brazilian store)
You credit these 50 BRLs to your Brazilian Microsoft account
When you buy the game, you can't use your 50 BRLs because you don't see them anywhere.
You must add another payment method (credit card) on the Brazilian store. You can use yours without any problem! Only the address must be located in Brazil.
You can now buy your game with your 50 BRL 😉

On the Turkish and Argentinean store

On these two stores there are 2 security features:

When adding a gift card code to your account: I invite you to read this article
During the attempted purchase:

Indeed, if this is the first time you buy on one of these two stores, it is very likely that when you validate the purchase you have an error.

Don't panic, just wait 4 to 14 days (on average 4), trying once a day. After a while, it'll come to pass! Good luck!

Once the first purchase is made, you will no longer have this problem 😉

On the Canadian store

Be careful with the Canadian store, there is a tax that varies according to the address.

To get the minimum, you must put an address in the state of Alberta to get 5% tax

On the USA store

Same thing on the US store, except you can get 0% tax by putting an address in the state of Oregon or Alaska 😉 !