how to make payments using icloud account acc

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

See also -> 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.