I’m getting errors that cannot verify payment information

Your Apple ID is the account that you use to access all Apple services (including Music subscription, and much more.)

Check your card is one that Apple can accept in your country or region:

Payment methods that you can use with your Apple ID – Apple Support 

You might want to try adding the card details in your Account online:

Apple ID Log-in:

https://appleid.apple.com/

(You will get a verification code on your trusted device when you sign in)

If needed:

Get a verification code and sign in with two-factor authentication

All the best :-)