Payment method declined
Why my payment method declined
iPhone 7 Plus, iOS 15
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Start reading this support article:--> If your payment method is declined in the App Store or iTunes Store - Apple Support
If the issue persists, I suggest that you contact iTunes Store Support Team directly, using this specific link:--> Apple Support
(if you get no help, look at the bottom of the link I posted, where you can contact them using "chat" or "phone" options).
Regards
Giulio