To help prevent unauthorized purchases from your console, you can set it to ask for the password every time you buy something. You can also use a PC or mobile device with Windows 10 to require a password for purchases.
To require a password for purchases using Xbox One:
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Press the Xbox button on the controller to open the guide, then select System > Settings > Account > Sign-in, security & passkey. To help protect your account, you may be asked to enter your password.
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Select Change my sign-in & security preferences.
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Scroll right and select Customize.
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Scroll right and select Ask for my passkey to make purchases.
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Select Passkey required.
Need help with billing, refunds, or account security? Here's where you can learn more:
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To cancel any Microsoft subscription, see How to cancel your Microsoft subscription (includes Xbox Live or Microsoft 365).
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To cancel a purchase, see Cancel an order or pre-order from Microsoft Store.
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For unrecognized purchases, find out what you can do about unexpected charges from Microsoft.
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If you think someone else is using your account, learn how to get back into your Microsoft account if it's been compromised and how to help protect your Microsoft account from fraudulent activity. If there's a problem with your password, see How to reset your Microsoft account password.
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Keep track of your child's purchases. If you let your child use your credit card or other payment method to buy stuff on their account, you can Keep track of your child's Microsoft Store purchases. Get more info about how to require adult approval for the things your child wants to buy in Microsoft Storeon Windows 10 and Xbox One devices.