I am getting an error when I try to update my billing information under my Apple ID. My Apple Pay has been set up and verified but it won’t sync my new debit card in my wallet to my Apple ID. Help please??

I got a new phone and needed to update my Apple Pay because my debit card has expired. I was able to get my debit card added and verified to my wallet but under my Apple ID it won’t sync or let me add my new card? I am not sure if it is because my new debit card has the same numbers as my old one except for the expiration and 3 digit code? Help please!!! I currently can’t download anything until this is fixed because I have a pending subscription that is trying to go through.