I need to pay by a credit or debit card

Greetings reema1972, 

The article you came from is perfect as it describes the available payment methods for each region that can be used with your Apple ID. 

If you are attempting to use a valid payment method for your region then the steps here may also be helpful - If your payment method is declined in the App Store or iTunes Store This article also has links that are region specific to Europe and India and discuss special situations for those regions, should that apply to you. 

Lastly, the article above has a link to reach out to Apple Support if additional assistance is needed. It is a link that will provide you with contact information for Apple Support in your region. However, you could also use this link to reach out - Contact Apple Support

Thanks.