Payment method not accepting

From: Payment methods that you can use with your Apple ID; click here --> https://support.apple.com/HT202631

"Make sure that the billing address for your payment method matches the billing address for your Apple ID. In some cases, you might need to call your bank or financial institution to authorize international or online purchases. You might also need to confirm that the mobile number associated with your payment method is correct."

From that I would interpret you can indeed use a card issued in a different country but it has to be billed to you at an address that is in the country to which your iTunes and App Stores are set. This requirement makes it unusual to be able use a card from a different country since card companies may be reluctant to issue a card unless the customer's address is in the card company's country.

Note, however, that an official Apple team member contradicts the "international" use of cards outlined in Apple's document by recommending a post saying, "You need a valid credit card issued by a bank in the country the store is in..." over a post quoting the above section from Apple's own payment methods document. - https://discussions.apple.com/thread/253211481

You may also wish to note:

The sections below are copied from the USA Apple Media Services Terms and Conditions document but I suspect they are very similar for all versions of this document --> https://www.apple.com/legal/internet-services/itunes/us/terms.html - Last Updated: September 20, 2021

"Our Services are available for your use in your country or territory of residence (“Home Country”). By creating an account for use of the Services in a particular country or territory you are specifying it as your Home Country."

"Terms found in this Agreement that relate to Services, Content types, features or functionality not available in your Home Country are not applicable to you unless and until they become available to you. To see the Content types available to you in your Home Country, go to the Services or visit https://support.apple.com/en-us/HT204411. Certain Services and Content available to you in your Home Country may not be available to you when traveling outside of your Home Country."

"If you fail, or Apple suspects that you have failed, to comply with any of the provisions of this Agreement, Apple may, without notice to you: (i) terminate this Agreement and/or your Apple ID, and you will remain liable for all amounts due under your Apple ID up to and including the date of termination; and/or (ii) terminate your license to the software; and/or (iii) preclude your access to the Services."