i already try everything but i still can't use my visa as payment method. how do i solve this?

Review this document about what to do "If your payment method is declined in the App Store or iTunes Store" Click here --> https://support.apple.com/HT203005 It mostly just suggests you make sure your payment method is up to date or to try a different one. Apple is probably just checking with the system linking to your financial institution and asking if the payment method is valid. The system is providing a negative response. Make sure the name and address are entered exactly as it appears on your financial institution bills and that the 3 digit CVV is correct. Check with your financial institution about the status of your card.

Make sure this is a payment method that you can use with your Apple ID; click here --> https://support.apple.com/HT202631 For most people this means a card from the same country as the store you are using.

If you still have problems Click here --> https://support.apple.com/choose-country-region/ Select your country, then a product. If you don't see one that handles your issue then keep experimenting with selections until you reach one that gets you a chat session or a telephone call and get the representative to redirect you.

or:

Contact Apple for support and service --> "See a list of Apple phone numbers around the world." - https://support.apple.com/HT201232

'If you can't remove your last payment method or use no payment method with your Apple ID' click here --> https://support.apple.com/HT203905

No, a real person, and I already posted information about this. There's nothing more I can do since I don't work for Apple, I'm just an Apple products users like you who happens to know Apple's documentation. Simply saying something is "not helpful" is not encouraging others to help you, plus it doesn't really provide anything more that we can use to see if we can make other recommendations. Did you actually contact Apple about this?

Help me to update Visa card for iCloud storage

Is this a robot ? Not helpful at all