Common Xbox LIVE Credit Card Error Codes:
You will see one of the following error codes whenever your payment option can't be authorized through your bank, or Xbox LIVE detects any suspicious activity, making it to prevent charges:
Here are some solutions you can try to resolve the problem
Solution 1: Check your billing address
Confirm that the billing address for your Xbox LIVE account is the same one used by your credit card company.
If the billing address is the same for your Xbox LIVE account and your credit card company, you can try this next solution
Solution 2: Contact your bank or financial institution
Here are the reasons why the Xbox LIVE purchase might have failed:
- Your credit card has not been activated
- You have insufficient funds in your credit card
- Your credit card does not accept online purchases or automatic billing
- The credit card company is blocking your credit card from being used
You should contact your bank or credit card company to confirm that the credit card is active, it has sufficient funds, and it is not being blocked for any reason.
If you have confirmed that all these are in order, try the following solution:
Solution 3: Try your purchase again later
Here are some of the reasons why the Xbox LIVE purchase might be blocked:
- Recent purchase attempts have been declined several times
- You are using the Xbox LIVE account or payment option from an incorrect location
- You may have a non-payment violation on your payment option, so it is being prevented from making new purchases
Whenever there are several purchase failures, it can prevent new transactions from being processed until after a certain period. You should wait and try again after 24-48 hours.
If the problem persists after you have waited 48 hours, try this next solution.
Solution 4: Remove your card and try again
If you receive error 80190864 while trying to purchase a new Xbox LIVE subscription, it means the payment option you are using has a billing decline violation against it, and you can no longer use it to sign up. If the credit card you are using has an unpaid balance for a previous subscription, you will be required to use a new credit card.
Solution 5: Use a prepaid Microsoft Points or Membership card if available
Another option is to buy a prepaid Microsoft Points card from a retail location and use it to make your Xbox LIVE purchases. Not all purchases allow for the use of Microsoft Points or prepaid options. Make sure that the purchase you want to make allows for the use of Microsoft points or prepaid cards.