You can try logging onto xbox.com and try changing your account settings.

https://live.xbox.com/en-SG/Account/Settings if yours is a SG account.

Hi, I'll actually try to answer your question instead of responding with an irrelevant and pointless answer.

It depends on the region your gamertag is set up. For Asia, you can get get physical MSP codes from places like Gamers Hideout at e@curve, as well as online codes from retailers such as play-asia.

For Euro and US, you can try getting your MSP from online retailers such as amazon or offgamers.com

You may also try setting up paypal as a payment option on xbox.com.

Generally 800MSP works out to about 10USD.

I'm not sure where you're getting your favourable exchange rate from. The last time i used paypal (about a month ago) the exchange rate on my credit card receipt was 0.323554 USD per MYR. So you lose about RM2.50 for that transaction which is small in the scheme of things. It's not surprising that buying from a 3rd party rather than directly from the source is going to cost more.

When i do shop with offgamers for my gamecards, i tend to pay for the 4200MSP pack which works out cheaper for me since i actually do spend on the xbox marketplace.

I realise of course that is of absolutely no help to a pc gamer who doesn't really have much use for MSP.