How will I used my mobile billing to payment method
I want to use my mobile money account to pay my bills
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Which bills? For apps and media, or for ApplePay?
Read the linked document about Availability of mobile phone billing as an Apple ID payment method - https://support.apple.com/HT205102
ApplePay requires a credit card.
Set up Apple Pay - Apple Support - https://support.apple.com/HT204506
"Here's what you need to use Apple Pay in supported regions:
Your eligible device
A supported card from a participating card issuer
The latest version of iOS, watchOS, or macOS
An Apple ID signed in to iCloud2"