Buy backwards compatible Xbox games with credit?

Hi. I've been thinking of buying a few backwards compatible games lately. The thing now is that you can't buy the games without a credit card in the store on the Xbox. What about the official Microsoft site? Is it somehow possible to pay for the games with credit? I've read that it is generally possible to pay with credit on the site but also go backwards compatible games? I just do not want to load up money that I can't do anything at the end so I ask before.

You can pay on the Xbox and Xbox website, play with the Microsoft balance and paypal. I first got lost odyseey on the console bought via paypal