Originally Posted by
Naveed Siddiqui11 Hi Thanks for clarifying, Laura . i called up their support already and while they didnt mention anything related to a test transaction (it should've been mentioned when i added my card) but they gave me a local support number to call for more details. will check with them i suppose. sorry for posting this here. the intent was to create some noise if this is actually a valid issue (saw quite a few complaints on this topic around the web since 2013 with no clear answers) but like you said, its more microsoft than windows phone.
I hope they get it sorted for you. I agree that the instructions should mention test transaction. I've never seen that since I use a verified PayPal account, which has all my bank and credit card information, so I just add new credit cards to my PayPal account, rather than to my Microsoft account.
I also have carrier billing available.