It’s keeps asking for verification but also asking for a payment method and I don’t have one
What should I do
iPhone 11, iOS 16
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Apple has multiple criteria requiring the presence of a payment method, even for something that is free. Since you are apparently encountering one of those situations, you have no option but to enter a valid payment method if you wish to continue downloading. Read the support article Add a payment method to your Apple ID - Apple Support about how to do that. The payment method may not be charged if you also have account balance, but the payment method has to be present. This next article lists valid payment methods for different countries but note that in this case Apple Account balance alone apparently does not meet the requirement: Payment methods that you can use with your Apple ID - Apple Support .
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.
Check there are not any problems with your payment method. They will usually appear in red lettering. If there are, make sure what you have entered is correct. If it is, contact your financial institution.