I need to back up my iCloud account
I can’t pay for more storage because it’s not excepting my credit card payment nor is it excepting my Apple Pay
iPhone 13 Pro, iOS 15
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See -> Payment methods you can use with your Apple ID
Payment methods you can use with your Apple ID – Apple Support (UK)
See also -> About billing for Apple subscriptions and media products in India
About billing for Apple subscriptions and media products in India - Apple Support
India
• Apple ID balance (from adding funds)
• Net Banking (adding funds only)
• UPI (adding funds only)
You can also use your Apple ID balance as payment method:
Add money to your Apple ID balance
Add money to your Apple ID balance – Apple Support (UK)
Get more help -> Call Apple in your region see: Contact Apple for support and service
Contact Apple for support and service - Apple Support
Or -> Contact Apple Support -> Get Support (apple.com)