why cant settings not verify my payment information when i try to add my visa card as a payment option

A “payment declined” or “card declined" message means that the issuer of the credit or debit card you have on file in your iTunes account rejected a charge or account confirmation. It is not an Apple problem; Apple is just passing through the message from your issuer. There are a number of reasons the charge or verification might be declined:

• Apple is not allowed to accept credit or debit cards in your country
• The card is not recognized in your country
• Insufficient balance or account in arrears
• Account suspended for suspected fraud (not necessarily by you)
• Error in card number
• Wrong expiration date
• Wrong security (CVV) code
• Address in your iTunes account does not match exactly the billing address for the card
• The card was not issued in the country of the iTunes store
• You are connected through a VPN provider that does not terminate in the country of the iTunes store you are connected to.

Here is additional information from Apple→If your payment method is declined in the App Store or iTunes Store - Apple Support

Darsanjb wrote:

He said the card mind one stop payment i don’t know what that mean

That means that you contested a charge to your card issuer, and the issuer refunded the amount of the charge to you, and they also charged Apple for what the refunded to you and also added a fee (sort of like a bounced check fee). So not surprisingly Apple was not pleased at your actions costing them money, so the now refuse to do business with you.

He said the card mind one stop payment i don’t know what that mean

I don’t know

I have a plane this is one device of them