Hi,
I can understand how frustrating it can be when payments don't work.
May I know if you changed your card details etc?
A better idea would be to run the troubleshooter below. It automatically routes you to a billing agent who can look into your account and fix it quickly, which I in this capacity cannot do :(
https://support.microsoft.com/en-us/accounts-billing/troubleshoot-buying-issues-with-microsoft-store
Please try our guided support troubleshooter to get things working again.
I’m eager to hear back and work together to find a solution.