This is an answer from Zendesk - unfortunately it doesn’t work for me.
Thanks for contacting Microsoft Flight Simulator Support.
If the message “Payment failed” appears before being prompted to confirm your payment information, simply log out of the game, restart the console, and try again.
If the problem persists, clear the cache of your console. To do so you have two options.
Cold restart
Turn off your console
Unplug the power cord from the back of the console
Wait for two to three minutes
After two to three minutes, plug the power cord back and restart your system
Clear the persistent storage
Press the Xbox button on your controller
Go to your Profile
Select “Settings”
Select “Devices and Connections”
Click “Blu-Ray” in your menu
Select the “Persistent Storage”
Click “Clear Persistent Storage"
If you are using wifi, use a cable connection instead.
If the payment process failed, please do the following instead:
Even if the information seems correct, enter a new payment option, or delete the current payment option and re-enter it. For detailed instructions, see: Update your billing address and payment options. NOTE: If your payment method is about to expire (<30 days), you’ll need to enter a new valid payment method.
A privacy and online safety setting for your Microsoft account may be preventing you from making purchases. Sign in to the Privacy section of your Microsoft account and review your settings. Privacy settings
If you’re still having trouble purchasing from the Marketplace, please do the following:
1. PAYPAL
Your PayPal account may have a different country/region listed than your payment method does. If they don’t match, you’ll need to update your PayPal account or payment method or use another payment method to complete the purchase. To add another method of payment:
Sign in to the Microsoft account you want to update.
Microsoft account
Go to Payment & billing and select Payment options.
Under Payment methods, you can select Add a new payment method, View or edit card, or Remove card.
Enter your updated info, and select Save. You’re done unless you see more prompts.
2. BILLING ADDRESS
Make sure the billing address for your Microsoft account matches the billing address you use with your credit card company. Also, make sure that your card’s expiration date hasn’t passed.
Sign in to the Microsoft account you want to update.
Microsoft account
Go to Payment & billing and select Payment options.
Under Payment methods, select View or edit card.
Enter your updated info, and select Save. You’re done unless you see more prompts.
3. CONTACT YOUR CREDIT CARD COMPANY OR BANK
The purchase might have failed for the following reasons:
The credit card hasn’t been activated.
The credit card was declined due to insufficient funds.
The credit card can’t accept online purchases or automatic billing.
The credit card company is intentionally preventing the card from being used.
Contact your credit card company or bank and make sure that the payment method you’re using was activated, that it has available funds, and that the transaction isn’t being blocked for some reason.
4. TOO MANY TRIES
Try again later. The purchase might be blocked for one of the following reasons:
Too many recent declined purchase attempts occurred.
The Microsoft account or the payment method is being used from a suspicious location.
The payment method you provided may have a violation for non-payment that’s preventing it from being used for new purchases.
Wait and try the transaction again in 24 to 48 hours.
5. CHANGE PAYMENT METHOD
Use a different payment method. Your payment method might have a billing decline violation against it or a previously unpaid balance. If this is the case, you’ll need to provide a different credit card for the purchase.
Sign in to the Microsoft account you want to update.
Microsoft account
Go to Payment & billing and select Payment options.
Under Payment methods, select Add a new payment method.
Enter the new payment info, and select Save. You’re done unless you see more prompts.
6. INFORMATION MISMATCH
Make sure that the region of your payment method matches the region of your Xbox Console and Microsoft Account (i.e. if your credit card is from the US, make sure that your billing address is in the US and that your Xbox is set to the US (System > Language and Location > Language EN-US, Location US)
ADDITIONAL TROUBLESHOOTING
Contact Xbox Support
Your Xbox console or Microsoft account may have been banned or Microsoft may have detected suspicious activity and is preventing charges. To see if this is causing your issue, visit Xbox Support and click on the Contact Us button.
