Hello andrew1980,
Welcome to Microsoft Community.
After reading everything you've posted here, I've noticed that you wanted to pre-order a Surface Pro Gen XI, but it seems you've been stymied in the process.
I understand the inconvenience this may cause you, so I recommend that you speak directly with our sales representatives, who I am sure will be more than happy to assist you:
Buy Surface Pro 2-in-1 AI Laptop w/Snapdragon X Elite - Price & Build Your PC | Microsoft Store
If you have any pre-order products, payment related questions, you can talk to them.
Best Regards,
Mitchell | Microsoft Community Support Specialist