Payment problems

A “payment declined” or “card declined" message means that the issuer of the credit or debit card you have on file in your iTunes account rejected a charge or account confirmation. It is not an Apple problem; Apple is just passing through the message from your issuer. There are a number of reasons the charge or verification might be declined:

• Insufficient balance or account in arrears
• Account suspended for suspected fraud (not necessarily by you)
• Error in card number
• Wrong expiration date
• Wrong security (CVV) code
• Address in your iTunes account does not match exactly the billing address for the card
• The card was not issued in the country of the iTunes store
• You are connected through a VPN provider that does not terminate in the country of the iTunes store you are connected to.

Here is additional information from Apple→If your payment method is declined in the App Store or iTunes Store - Apple Support

MightyxVx Said:

"Payment problems: I have problem with my card ( Visa ) I can not connect with my phone , every time says NOT VALID , I tried to deleted payment and add again and again says the same . I called my bank and they told me that card is completely active amd fine"

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Called Apple?:

You've contacted your bank, but have you contacted Apple? Refer to the following...

For Financial Assistance, Contact Apple Store Support:

You need to contact Apple Support Directly. This is a User-to-User forum. We are all volunteers. So, as you may suspect, no one here has access to that information — and that is a good thing, BTW. That’s why for Financial Assistance, you need to contact Apple Support. They’ll see what’s going on and will run you through the fix.

Apple Contact Info:

• Contact Us - Choose Locations
• Proceed from there, as necessary

Why the Wait:

Phone calls are taking a bit to go through at the moment, due to lots of calls. With the Coronavirus Pandemic, many are at home at the moment, with much time on their hands to contact Apple. So, just stay on the line, and you will get through :)