UPI option not working for adding funds

This document explains how to 'Change [, check], add, or remove Apple ID payment methods' on an Apple mobile device, a Mac, or a PC; click here --> https://support.apple.com/HT201266

'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

- If you are updating an old card and have ongoing subscriptions you may need to first add the new card and make it the primary payment method before deleting the old card.

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 one of the 'Payment methods 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