Unable to add payment method to my Apple ID

Check this resource about what to do if your payment method is declined in the App Store or iTunes Store. Click here --> If your payment method is declined in the App Store or iTunes Store - Apple Support

- Apple is checking with your financial institution if the payment method is valid and receiving a negative response. Make sure the name and address are entered exactly as it appears on your financial institution bills and that the 3 digit CVV is correct. Check with your financial institution about the status of your card.

- Make sure your payment method is up to date or to try a different one ( If you need to change or update your Apple ID payment method - Apple Support ).

- Make sure this is one of the payment methods that you can use with your account, as listed in this support article: Payment methods that you can use with your Apple ID - Apple Support ) A solution may be to use a method from the same country as the store you are using, but Apple no longer states either way if this is a requirement (it used to say, "Make sure that the billing address for your payment method matches the billing address for your Apple ID" but has now downsized this to "You might need to ask your financial institution to allow international purchases on your debit or credit card." in: If your payment method is declined in the App Store or iTunes Store - Apple Support .

・Unfortunately the list is somewhat general and does not list individual brands of cards (I guess there are too many and are constantly changing).

・Also read any footnotes in the document.

・Finally, note that the document only says which methods _are_ acceptable. Apparently certain types (usually a credit or debit card) _must_ also be present under certain situations such as when a subscription is involved.

If you still have problems, contact official Apple Support. Click here --> Choose your country or region - Official Apple Support Select your country, then a product. If you don't see one that handles your issue then keep experimenting with selections until you reach one that gets you a chat session or a telephone call and get the representative to redirect you.

or:

See a list of Apple phone numbers around the world, in this article --> Contact Apple for support and service - Apple Support

If you're in India, click on this link to read an April 2022 notice 'About billing for Apple subscriptions and media products in India' --> https://support.apple.com/HT212781

Additional verification that may be required when making purchases in Europe --> https://support.apple.com/HT210340

You can have a credit card / debit card on file and an Apple Account balance.

If you have set your Apple Account balance as your default payment method, your default payment method will be used first by Apple when you need to make a payment.

Some purchases might require you to have a credit card on file, even if you use your Apple Account balance to make the purchase.

See -> Related Article: Add a payment method to your Apple ID

Depending on which payment method you use:

• If you want to change your card, add first the new card, then remove the old one.
• or if you use your Apple ID balance, set your Apple ID balance as your default payment.

See -> What you can buy with your Apple Gift Card or Apple Account balance

What you can buy with your Apple Gift Card or Apple Account balance – Apple Support (UK)

You van use your Apple ID balance to pay iCloud+ plan.

See also the following Apple articles:

Remove a payment method from your Apple ID

Remove a payment method from your Apple ID - Apple Support

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If you can't remove a payment method

If you have subscriptions like iCloud+, have an unpaid balance, or you use purchase sharing, you must keep at least one payment method on file.

• Do you have a subscription? You can cancel iCloud+ and cancel other subscriptions from Apple. When your subscription period is over, remove your payment method.
• If you're in a Family Sharing group and you use purchase sharing, the family organizer must have a payment method on file. If you're the family organizer, turn off purchase sharing, then remove the payment method.
• If you have an unpaid balance, you might not be able to remove a payment method. Instead, change your payment method.
• If you still can't remove a payment method, contact Apple Support.

Payment methods you can use with your Apple ID

Payment methods you can use with your Apple ID – Apple Support (UK)

fyi: Not all credit & debit cards seem to work with App Store / iTunes Store, try a different one, or preferably a credit card. If your card is not accepted as a paymenf method, you need to contact your bank.

if you still need help, get support from Apple directly -> Get Support or call Apple in your region see -> Contact Apple for support and service or check -> here for more support and assistance.

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Then try again to upgrade your iCloud+ plan, see this Apple article: Upgrade to iCloud+

Upgrade to iCloud+ - Apple Support