App store
I can’t download any apps because I deleted the payment option but I don’t understand why I need a payment options for free apps and it just keeps saying verification required every time I try to download any apps.
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Unless you see None as a payment option, you need to provide a payment option to use your account regardless of whether you are trying to download free apps. That's how the system works.
ASC - Late 2012 Mac mini, macOS 10.15.3; Watch, series 5 GPS/cellular, watchOS 6.1.2; iPad Air 2, ipadOS 13.3.1; iPhone 8+, iOS 13.3; TV 4th Gen, tvOS 13.3.1; HomePods, audioOS 13.3.1 and Airport Express w/ Airplay 2