See -> If your payment method is declined in the App Store or iTunes Store, see ->
If your payment method is declined in the App Store or iTunes Store - Apple Support
⤵️
How to complete your purchase if a payment failed or was declined
- On your iPhone or iPad, open the Settings app.
- Tap your name.
- Tap Payment & Shipping.
- Add a different payment method and remove the old one.
- Try to complete your purchase.
If you still can't make a purchase
-----
Contact also your bank, or add funds for UPI.
See -> Payment methods you can use with your Apple ID
Payment methods you can use with your Apple ID – Apple Support (UK)
India
• Apple ID balance (from adding funds)
• Net Banking (adding funds only)
• UPI (adding funds only)