Apple won't accept my payment all the time

Hello Frederickfox,

Thank you for using Apple Support Communities! I understand that you're unable to add your debit card to Wallet, and you'd like to use it to pay for an iCloud storage plan. I would be happy to help provide more information about this process.

When you upgrade your iCloud storage plan, the payment method that you have on file for your Apple ID is what would be charged for the subscription. This is different from the payment methods you have under Settings > Wallet & Apple Pay. Certain countries or regions may not accept debit cards as a form of payment for your Apple ID.

I suggest first ensuring that upgrading to a larger iCloud storage plan is supported in your country or region:

iCloud storage plans and pricing - Apple Support

After that, follow the resource below to add the debit card as a payment method for your Apple ID:

Payment methods that you can use with your Apple ID - Apple Support

If you're unable to add this specific card following those steps, you'll want to contact your financial institution for more information. If you're able to add the card OK, upgrading your iCloud storage plan should then charge this card:

Manage your iCloud storage - Apple Support

Take care.

Hi Frederickfox,

Just to ensure that we're on the same page, I would like to clarify a few things. When you make a purchase in the iTunes Store or App Store, or Buy additional app features with in-app purchases and subscriptions billed through Apple, the payment method that is billed is what is listed here:

Change, add, or remove Apple ID payment methods - Apple Support

"How to change your payment method on your iPhone, iPad, or iPod touch

1. Open the Settings app. 
2. Tap your name, then tap iTunes & App Store.*
3. Tap your Apple ID (which is usually your email address), then tap View Apple ID. You might be asked to sign in.
4. Tap Manage Payments. (If you're using an older version of iOS, tap Payment Information.) Then add, update, reorder, or remove your payment methods:"

When you buy more iCloud storage, the payment method added following the above steps is what's charged for the subscription. If you have multiple payment methods listed in that location, the "Which payment method is charged" section in the resource below further explains how Apple attempts to charge your payment methods:

How App Store and iTunes Store purchases are billed - Apple Support

The types of purchases and subscriptions outlined above are not billed to cards you have on file for Wallet (How to use Wallet on your iPhone, iPod touch, and Apple Watch - Apple Support). That being said, it is possible to add the same card to both Wallet and as your Apple ID payment method if it's supported. Cards that you add to Wallet & Apple Pay can then be used to make the type of purchases outlined in the resource below:

How to use Apple Pay - Apple Support

If you need additional assistance with this issue, you can also contact Apple Support here:

Get Support

Cheers!