I went onto my minecraft, then clicked realms, clicked buy a realm, which sends you to the website. Logged in, put info in and bank details. It sends me a text message with security code to authorise my payment. I type in the verification code, the microsoft screen where I was buying the realm said "error processing payment" or something along those lines. However, the money was withdrawn from my bank account.. I have checked back on the realms section etc and it is not there, I do have sufficient funds so it is not that.