Apple Account Not enabled for in-app payments
I received a $5 giftcard that I added to my Apple account to use for a phone game, bringing the amount I have on my account to $5.01. I'm trying to make an in-app purchase of $5 with it and not my debit card, but it won't let me click on Apple Account as a payment option; that option is greyed out and says it's "Not enabled for in-app payments". I've never had this issue and have been able to pay this way before. I went to my phone's settings to the Content & Privacy Restrictions section and none of my stuff is restricted at all. I also tried seeing if updating my phone would fix it, but it didn't. I'm not sure what else I can do or try. I would appreciate some help.
iPhone XR, iOS 16