Hello H480_,
Thanks for posting in the Apple Support Communities.
It sounds like you're looking for assistance with your Apple ID payment method not being accepted for your iCloud+ subscription, right?
If we have that correct, let's have you confirm that the payment method in use is still a supported option in your country or region. For assistance with checking this, take a look at the following resource: Payment methods that you can use with your Apple ID - Apple Support
If you need to update or add a different Apple ID payment method, check out the steps below if you are using an iPhone or iPad. You can find additional steps to help, here: Add a payment method to your Apple ID - Apple Support
Add a payment method on your iPhone or iPad
1. Open the Settings app.
2. Tap your name.
3. Tap Media & Purchases, then tap View Account. You might be asked to sign in with your Apple ID.
4. Tap Manage Payments.
5. Tap Add Payment Method.

6. Enter the payment method details, then tap Done.
Should you need additional assistance, you'll want to contact Apple Support directly so they can check into this with you in more detail.
Have a great day!