I cannot remove or add a payment on my iCloud payments

I have the same issue. I'm in a family and can't seem to update or remove the organizers payment method. The "add payment method" option is greyed out. Why can't I just use the cards that are already in my phone's wallet?

See this article about updating payment methods on various platforms (iPhone, Mac, etc.): If you need to change or update your Apple ID payment method - Apple Support

"If you change your address, the credit or debit card information that you use with your Apple ID might be automatically updated by your financial institution, and you don't need to take action. But if there's an issue [such as you having a subscription or being a Family Sharing Organizer], add a new card first, then remove the old card."

Here is how you update your payment method on an iPhone or iPad:

1. Open the Settings app.

2. Tap your name.

3. Tap Payment & Shipping. You might be asked to sign in with your Apple ID.

4. Tap Add Payment Method, enter the new payment method, then tap Done.

5. Tap Edit.

6. Tap the red delete button next to the old payment method, then tap Delete.

If an app or feature on your device is not working, not appearing, or is restricted (grayed out), it may have been disabled using Screen Time, or by an IT administrator if you are using a device owned by an employer or educational institution.

- Read this support article If your Apple ID or other options are greyed out in Settings —> If your Apple ID is greyed out in Settings - Apple Support

Tap Settings > Screen Time > Content & Privacy > scroll to Allow Changes.

- If the device is managed (Settings > General > VPN & Device Management), contact the IT department that is doing the managing.

I add Payment method to my account but I’m not eligible to add money from my adding Visa card to my Apple account

I can’t add payment method

I can’t remove my payment method or update it back

This is happening to my know

Can some one help how can I get some help