I want to spend money in my Apple ID on an in-app purchase
How do I spend money from Apple ID on an in-app purchase?
iPad, iPadOS 16
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This document outlines what you can buy with your Apple ID [Apple Account] balance --> What you can buy with your Apple Gift Card or Apple Account balance - Apple Support
"Some purchases might require that you have a credit card on file, even if you use your Apple Account balance to make the purchase."
"Where the Apple Gift Card is available, you can use your Apple ID balance to buy products and accessories at apple.com or in the Apple Store app."
How apps, content, and subscriptions from Apple are billed - Apple Support
Some purchases aren’t charged to your Apple Account balance
- If you're in a Family Sharing group, purchases that you make are charged to your personal Apple Account balance. If you don't have enough Apple Account balance to pay for the purchase, the remainder is charged to the family organizer if purchase sharing is turned on.
- You can’t use your Apple Account balance to buy gifts or gift cards.
- Some subscriptions might not be charged to your Apple Account balance.
Apart from that, see How apps, content, and subscriptions from Apple are billed - Apple Support
"Which payment method is charged?
When you buy items or pay for subscriptions, Apple automatically attempts to charge your payment methods in this order:
1. Apple attempts to use your Apple ID balance to cover the full amount.
2. If you don't have Apple ID balance, you don't have enough to cover the full amount, or an item cannot be paid for with Apple ID balance, Apple attempts to charge your primary payment method (typically a credit or debit card, but varies according to country). The primary payment method is at the top of the list in Settings on your iPhone. You can control which payment method is at the top of the list.
3. If there's a problem with the primary payment method, or if the primary payment method can't be charged for the full remaining amount, Apple attempts to charge your other payment methods in order from top to bottom. If none of them can be charged, Apple may try again.