& im not the one who pays.
Ask the family organizer to update their billing information.
but i don’t have a card
we don’t use cards
See also -> Payment methods you can use with your Apple ID
Payment methods you can use with your Apple ID – Apple Support (UK)
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)
If you use your Apple ID balance as payment method, then see -> Change, add or remove Apple ID payment methods
Change, add or remove Apple ID payment methods – Apple Support (UK)
• set your Apple ID balance as your default payment.
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.