I can’t update my WhatsApp. It’s telling me of decline payment and I don’t have a card on App Store. I don’t know why this is happening.

You can download free apps, but you may need to have a valid payment method on file, even if the app you want to download is free. 

Free apps has also In-app pruchase.

Verify your payment information, you need to -> Sign in to your Apple ID account page and edit / update your Apple ID details -> https://appleid.apple.com                                                     

• On the Sidebar click Payment methods -> then tap Payments Methods and tap Manage payment method.

Or see -> Add a payment method to your Apple ID -> Add a payment method to your Apple ID – Apple Support (UK)

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

See also the following Apple articles:

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.

Check also -> If your payment method is declined in the App Store or iTunes Store, see -> 

If your payment method is declined in the App Store or iTunes Store - Apple Support

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How to complete your purchase if a payment failed or was declined

1. On your iPhone or iPad, open the Settings app.
2. Tap your name.
3. Tap Payment & Shipping.
4. Add a different payment method and remove the old one. 
5. Try to complete your purchase.

If you still can't make a purchase

• You might have an unpaid order. Learn how to pay an unpaid order.
• Contact your financial institution. 
  • You might need to ask your financial institution to allow international purchases on your debit or credit card.
  • If you want to know why a debit card, credit card, or other payment method was declined, speak with your financial institution. Apple doesn't have information about why the payment method was declined.
• In some countries and regions, your payment method might be declined because of changes to local law. Learn about billing and purchases in Europe or what to do if your card is declined in India.
• Still need help? Contact Apple Support.

If you have followed all the steps and instructions and 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.

Angiepresh wrote:

I am unable to update my WhatsApp. Always telling me there’s a problem with payment, and WhatsApp is free of charge. So I don’t understand why I’m paying. Moreover, Apple no longer accept Naira card.

Then use a different card, which is used for verification purpose, you're not charged for free apps.