I don't see where you say this is Apple Pay which lobsterghost1 somehow infers.
Refer to: Payment methods that you can use with your Apple ID - Apple Support Note that some in that list may not be acceptable to set as a payment method.; for example, account balance. The statement from Apple, and its referring to the link, to me just says that if you were using a payment method in your old country that is not listed in the new country too then you need a new payment method. I do not see anywhere where it says the payment method must be from the same country. I go by what Apple actually says in its online documentation. For the 20 years I have been on this forum they appear to deliberately avoid making a simple, clear statement. This suggests to me they have more complex criteria other than it must be a payment method from the same country. If it says a method is not valid then you need to try another one until you find one that is. Still, often using one from your new country is the easiest way to ensure you don’t run into problems.
Unfortunately Apple does not appear to be saying what that "issue" is. I believe they are just trying to check withthe card company you use and are getting no, or a negative, reply. I believe for the past few days tehre has been a major Internet issue and it could be your bank is having problem. Alternatively it could be tehre is a problem with your card. Again, check with your bank first.
