iCloud Payment method declined.
How do you resolve the payment method declined error message?
iPhone 6, iOS 12
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Try a different card on the account : Change, add, or remove Apple ID payment methods - Apple Support
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).