Can't add funds to my childs family account

Tried all options as this has been ongoing for over 6 months but seemed to have been corrected until yesterday.

The error indicates that the payment cannot be processed, not that Family Safety itself is misconfigured. Adding funds to a child account is supported, but when the payment step fails, the only resolution path in the provided information is to work directly with Microsoft Support or use an alternative payment method.

To add money to the child’s account (when payment is working):

1. Using a Family organizer account, sign in at family.microsoft.com.
2. Find the child and select Add money or Manage spending → Add Money.
3. Choose the amount and select Next.
4. Select the payment method and choose Buy, or select Add a way to pay to add a new method.

If payment keeps failing after selecting the card and approving access:

1. Try a different payment method (for example, another card or a Microsoft gift card) if available.
2. If the problem persists, contact Microsoft Support so they can check the payment and account status and resolve the processing issue.

Once funds are successfully added, spending limits and notifications can be configured:

1. In the Family Safety app or at family.microsoft.com, select the child.
2. If there are funds, select Manage spending.
3. Turn on Get notified about every purchase and Activity reporting to monitor spending.

If instead of adding funds a credit card is added directly to the child account, approval can be required for every purchase:

1. Sign in to the child’s Microsoft account and add a card at the Payment options page.
2. Sign out of the child account.
3. In Family Safety, open the child → Manage spending → enable Require approval for every purchase.

If the error continues even with different cards or devices, support intervention is required to resolve the payment-processing issue.

References:

• Add money to your family member's Microsoft account
• Spending limits in Family Safety
• Payment Services Directive 2 and Strong Customer Authentication
• Can I speak to someone? -- Billing issues - Microsoft Q&A