See -> Payment methods you can use with your Apple ID
Payment methods you can use with your Apple ID – Apple Support (UK)
⤵️
Nigeria
- Most credit and debit cards
- Apple Account balance (from adding funds)
fyi: Not all credit & debit cards seem to work with App Store / iTunes Store, try a different one, or preferably a credit card.
If your card is not accepted as a paymenf method, you need to contact your bank.
If you update your payment method or add funds to your Apple Account 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.