Issues with upgrading to iCloud+

I'm having issues trying to upgrade to iCloud+. Every time I try to upgrade it through my phone, my phone vibrates and a box comes up with a red exclamation mark saying "Payment not completed". The same issue also occurs in the App Store, even when I try to download free apps. I have the iPhone SE on iOS 17.0.3

To fix this issue, I have followed other guides on the Apple forums, but nothing has worked.

I have tried:

1. 1. Updating the iOS
   2. Restarting my phone
   3. Removing and re-adding my payment cards
   4. Checking that my shipping and billing addresses are the same and correct
   5. Verifying my Apple ID (I even changed my password for this)

None of the above steps that I have taken have worked. It should be noted that I have my payment cards in my Wallet, and those work absolutely fine, but for some reason, the App store and iCloud+ upgrade payments don't like them.



I'm at a loss as to what I should do next. Please help