Q: How can I download apps without verifying the payment method? The problem is that the AppStore is not allowing me to download free apps also. It is asking me for some payment verification. Pls help

What exactly happens when you try to download something ? If you currently have a card on your account and it's no longer accepted by iTunes then try logging into your account (not when trying to download something) and see if you get the 'none' option so that you can remove it (if you have a card on your account it has to be valid and accepted by iTunes, even if only downloading free items and updates to apps) : Change or remove your Apple ID payment information in the iTunes Store - Apple Support

I Don't get the "none" option so what do I do?

When are you looking for the 'none' option ? If when trying to download something you won't get the 'none' option, nor if you are a family organiser in family sharing.

Or is this the first time that you've tried to download something, and you didn't use these instructions when creating the account : Create an iTunes Store, App Store, or iBooks Store account without a credit card or other payment method - Apple Support ?

This happens over and over your payment method is declined please inter another payment method

What are you trying to use as your payment method, credit card, debit card ... ? Prepaid cards are unlikely to work, and not all debit cards work. Do you have a different card to try ?

For a card to have a chance of being accepted it needs to be registered to the same name and address (including format and spacing etc) that you have on your iTunes account, and have been issued by a bank in the country where you are (and therefore the country which is on your iTunes account).

Well I had the "None" option all this while. Lately I used a prepaid card and it did work but when the balance was over I was not able to make any purchases , I was asked to update my payment info. I updated via another prepaid are, but this time it was declined and now I don't even see the 'None' option. How do I get the 'None' option back.

When are you looking for 'none' ? If you currently have a card on your account you won't get the 'none' option when trying to download something, you will only potentially get it if you just log into the account e.g. via the Account > View My Account menu option on iTunes, or by tapping on your id in Settings > iTunes & App Store on an iOS device - if you aren't getting the 'none' option when doing that, then do any of these scenarios apply : Why can’t I select None when I edit my Apple ID payment information? - Apple Support ?

I Have problems wi my payment

The problem being ... ?