I know that (US) Charles Schwab debit cards will be refused on Japanese steam or PS stores as their algorithm can tell the card is NOT from Japan since their system only recognizes cards that are issued from their own country. The same applies if a foreigner tries imputting a Charles Schwab card onto the Japanese app store (iOS) leading to rejections.
The same thing applies to both Revolut & Wise: as Japan PS store, Steam & App Store refuse cards that aren’t matching the region (perhaps due to potential fraud). It doesn’t matter if you have either, since PS store (JPN) for example won’t accept it, since they only cater to cards that are issued from the same region the store front is set in.
Due to different purchasing power and average incomes between countries, online stores will usually apply regional pricing so people can afford to buy software (because if they don’t people will just pirate). However platforms like steam have the unfortunate problem where because you can gift and trade game keys, items from your steam inventory, etc… there have been cases where people will tunnel with a VPN to a nation with favorable currency exchanges/low regional prices, and buy things there despite not living in the area or having the same purchasing power.
To prevent this, platforms will prevent users from paying in currencies other than what their “home” location is, especially online (I think valve even locks games in CIS nations that make them unable to be gifted or played outside the territory).