Let's look at the country in the Microsoft account, open https://account.microsoft.com/profile?lang=en-US
Country: Germany
Payment for the countries Belarus and Russia does not work.
You can select any country from Europe or America or Turkey. I chose Germany.

 
Let's start creating a gift card for a Microsoft account
Open https://plati.market/itm/gift-card--xbox-live-gift-card-5-200-euro-europe/3451330 in Google Chrome.
Very important! VPN is not need. I open the link on my computer. My IP address is Belarusian (if you are in Russia, you will have Russian). In the next step, pay with your card online for a new gift card.
Click on XBox

 
Very important!
If you have Microsoft US in your account, then click on XBOX US
If you have Microsoft Turkey in your account, then click on XBOX Turkey
If you have Microsoft Poland, Germany, France, ... European country then click on XBOX Europe
I click on XBOX Europe

I buy from the seller: PROMARKET88
I didn't buy it from others.

 
Select 5 € this is how much money will be inside the gift card

Let's write our email (to get the number of the new card)

Select the card p2p and бел
In order for such a card to be created, we need to pay 31.36 bel. This is approximately [PRICE]8 €[/PRICE] (3 € for creating a gift card and 5 € will be on the gift card).
I click pay.

 
On the screen we see the bank account:
I open a program in my phone insync to transfer money to an account

After sending the money, I click the   Подтвердить перевод   button

We are waiting and seeing:

 
It takes me about 30 minutes and I see the message paid:

I press the button   Вернуться в магазин  

Now let's see the following page:
И отправим код продавцу вот так:

 
We wait for 20 minutes, sometimes longer and the seller will send you a certificate on this page:

Very important! VPN is NEED. Activation of the gift card is done on the website Microsoft. Microsoft will check your current IP address. Therefore, I must have the IP address Германия. I run VPN on my phone.

 
To activate the gift card, open the Microsoft website and log in to the account: https://account.microsoft.com/billing/redeem ...

 
Activation was successful:

On my computer without a VPN, I open https://account.microsoft.com/billing/orders?lang=ru-RU in Google Chrome.

I see orders on the Microsoft account:

Read more: how to see what purchases and how much money on your Microsoft account ...