Hello Felipe Serrano,
It looks like the US-issued card may not match the country or region configured for the Microsoft Store purchase.
Please check that these all reflect Panama:
- Microsoft account country or region
- Windows country or region
- Card billing address
Then remove and add the payment method again using the exact billing details. If the US card is still rejected, you may need a payment method supported for your Panama account or help from Microsoft Support: https://support.microsoft.com/home/contact
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