1.
but every time I try to pay it just loads and doesn’t fully load?
See -> If you can't connect to the App Store, iTunes Store, or other Apple services
If you can't connect to the App Store, iTunes Store, or other Apple services - Apple Support
-> If you tried all of the above steps and you still can’t connect, contact Apple Support.
Check also the range of the mobile network, see -> If you see No Service or Searching on your iPhone or iPad
If you see No Service or Searching on your iPhone or iPad - Apple Support
If they are On, turn Off Hotspot & VPN.
2.
Also, I can’t enter my payment method, as in its not taking my card for some reason?
Sign in to your Apple ID account page and edit / update your Apple ID details.
https://appleid.apple.com
On the Sidebar click Payment methods -> then tap Payments Methods and tap Manage payment method.
Or -> Change, add or remove Apple ID payment methods
Change, add or remove Apple ID payment methods – Apple Support (UK)
- Add first the new card, then remove the old one.
If you update your payment method or add funds to your Apple ID balance, It would take about 1 to 3 business days in order to process.
If you're still unable to update your payment method, Contact Apple Support.
Click here for more support and assistance.