
Hi,
Try to remove and re-add your card.
If the issue persists, try using a different browser or incognito/in-private mode, and try to subscribe to Microsoft 365. Sometimes, browser cache interferes with payment processing.
If you still have the same issue, try using another device or network, like your phone or phone data.
Please refer to the link below on how to update a Microsoft account payment method.
Update a Microsoft account payment method
If you require further assistance, please don't hesitate to let me know.
Stay Safe!