Method of payment

my Apple ID is not accepting my Visa and MasterCard.

Start here -> 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.

What error message are you getting?

How to add Apple Card to your Apple devices - Apple Support

Take a look at the above article