how to set up password or pin prior to payment

Hi kremat,

Thanks for posting here in Apple Support Communities. We can see you reached us from the article titled: Add a payment method to your Apple ID - Apple Support

Where exactly are you attempting to create a password or pin? Is this for your Apple ID and App Store or iTunes purchases? If so, the following article will address your concerns. Check this out: Require a password for App Store and iTunes purchases - Apple Support

Require a password on your iPhone or iPad

1. Open the Settings app.

2. Tap your name.

3. Tap Media & Purchases.

4. Tap Password Settings, then choose the setting that you want.

If you don't see Password Settings, you have turned on Face ID or Touch ID for App Store and iTunes Purchases. To change this, go back to Settings, tap "Face ID & Passcode" or "Touch ID & Passcode", then turn off Face ID or Touch ID next to iTunes & App Store.

Kind regards.