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.
Payment methods are used to confirm your country of residence for region locking purposes. If the payment method and billing address aren’t from the same country, the payment method will be denied as anyone can fill in any address they find on the internet, but payment methods like bank cards need to be tied to an actual address. This is also why it’s hard (though not impossible) to purchase digital gift cards for people in other countries.