Pay method

Something strange is happening with my device, or rather with the payment method. When I try to add a card, it says that "the payment method is disabled, update the data or specify another method". And this is a problem not only on this account, but on all accounts that I would not create. And when I try to pay through the phone, I get a message that "there are not enough funds in the account", although there is money. Need help, what to do?