Interestingly, using Windows Phone you can have as many Personal accounts from multiple regions as you want. For example, you can create a personal profile that belongs to Spain. This allows you to have different payment methods depending on your profile. You can have your PayPal account associated with US account when your credit card are associated with ES account. This allows you to use US only service while saving ability to use Spain market and CC issued in Spain if your Billing address is in Spain. If you, like me, have living places in multiple countries, this will help you resolve issues when US services are not available to you because currently you are in Russia or in Spain.
This will also allow you to use payment methods that aren't available for your country. For example, PayPal isn't available in some countries.
Here's how you can create a Personal profile in the CountryName country:
1. Open Settings|language+region.
2. In the Country/Region drop-down list choose the region of your desire.
3. Restart your phone by tapping restart
phone button.
4. Open Store app and choose
any free app.
5.Tap
install.
Voila! Now open commerce.microsoft.com in your browser and check that the CountryName appeared in the profile list.
Having the necessary country profile you can use payment methods available for this country. For example, US and some EU countries have wide payment options where you can choose from CC, Debit or PayPal accounts whereas other countries are limited to Credit Card payments only.
It also helps to pay for services when you don't have the card issued for the country that is specified in your Microsoft account.
For example, if you Microsoft account has United States specified as a Country/Region of this account, you have access to multiple services available for the US. Consider, you've moved to other country and have no access to the card that's been issued in the US but you have a card that is issued in the country of your residence. To pay for your service you can follow the guide above and switch from the US to the country of your new residence and be now able to pay for your services. Just switch to the profile for this new country and add a payment method to this new profile. That's it.