iCloud payment

I used to pay for my iCloud storage by using PayPal which happened automatically. I have stopped using PayPal and I keep getting a payment declined message from Apple regarding my iCloud payment. This is despite the fact I have suitable payment methods in my Apple wallet and have made sure these are present in my profile. Apple won’t let me delete the PayPal option as there is a payment pending so I keep getting the payment failed notices and my payment remains unpaid. I’m stuck! Can anyone help please ? I can’t seem to speak to anyone at Apple