How to properly set up Apple Music billing for Individual Subscriptions in Family Sharing

In Family Sharing, the organizer pays for all purchases and subscriptions of other family members if Purchase Sharing is turned on.

Other members of the Family sharing group cannot add or use payment methods on their accounts for their purchases or subscriptions. This is explained clearly when setting up Family Sharing.

click here ➜ Set up Family Sharing - Apple Support

If purchase sharing is turned on, the family organizer pays for family

members' purchases and must have a valid payment method on file.

You can either turn off purchase sharing, which applies for everyone, and everybody will then need to pay for their own purchases.

Or have your daughter add funds to her Apple account or redeem gift cards onto it, and the system will use that balance automatically to pay for her Apple Music subscription before billing you.

click here ➜ How to redeem your Apple Gift Card or App Store & iTunes gift card - Apple Support

and here ➜ How apps, content, and subscriptions from Apple are billed - Apple Support

If purchase sharing is turned on then only the Organizers card can be charged. What you can do is have her add funds to her Apple Account using a Gift Card. The charge on her device will first come from her Apple account and then if there is no money in there, it will be charged to your card.