i cant figure out what app is taking payments off my card

Look at the purchase histories of all iTunes accounts linked to the card : See your purchase history in the App Store or iTunes Store - Apple Support

And subscriptions : View, change, or cancel your subscriptions - Apple Support

And iCloud storage upgrades

If you've looked at the purchase histories of all iTunes accounts linked to the card (including, if applicable, family share members accounts), and checked iCloud storage upgrades, contact the card issuer