Hi abdenour007
welcome to the Apple (user-to-user) Community!
Re: "Why apple doesn’t allow payments method and apple pay in algeria"
We are all Apple users, like yourself, in the community, so we can not speak for Apple. Apple is not here to explain.
It may not always be up to Apple, as some countries may have restrictions in place: eg: on international purchases
Apple Support has an article online: Payment methods that Apple can accept in your country or region:
See: Payment methods that you can use with your Apple ID - Apple Support
Eg: says
Africa
Algeria
- Most credit and debit cards
____________
For Apple Pay:
See Apple's article: Apple Pay participating banks in Africa, Europe, and the Middle East - Apple Support
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Re: "Payment method no valid in your store"
You could check with your bank to ensure your card can be used for payment of International purchases.
or
You may just need to add the credit card to your Apple Account in order to use it for purchases from Apple:
See how to add an Apple Account payment method:
Add a payment method to your Apple Account - Apple Support
How to delete an Apple Account payment method:
Remove a payment method from your Apple Account - Apple Support
How to change an Apple Account payment method:
If you need to change or update your Apple Account payment method - Apple Support
_________________________________________________________________________________________________
"what i or we can do to be able to buy subscriptions and apps or games"
Your Apple ID is the account you use to access Apple services like the App Store, Apple Music, iCloud, iMessage, FaceTime, and more. It includes the email address and password you use to sign in as well as the contact, payment, and security details you use across Apple services.
You may want to check you are logged in (to your device) with the Apple ID you will use for purchases:
See how to: Sign in to your Apple Account - Apple Support
If you do not already have an Apple ID / Apple Account, you can create one:
How to create a new Apple Account - Apple Support
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Some Apple items may not be available for purchase in your country or region:
Availability of Apple Media Services - Apple Support
says:
Algeria
- App Store
- Apple Music
- Shazam
- Apple TV app
- Apple Books
- Apple Podcasts
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Trouble-shooting if needed
Wondering if there may be an unpaid order or incomplete purchase causing difficulty.
See what to do:
If a message says 'billing problem with previous purchase' or 'verification required' - Apple Support
or
If your payment method is declined in the App Store or iTunes Store - Apple Support
__________________________________
For More Support if needed:
You may want to contact Apple's Billing and Subscriptions Support Team:
There is a "Get Support" link (online chat / phone / email etc.) at the bottom of. their website (link below)
Subscriptions and Billing - Official Apple Support
or
Apple phone numbers around the world
Contact Apple for support and service - Apple Support
says:
Africa:
Egypt2 : 0800 000 0888
Mayotte : (33) 0825 77 00 35
South Africa2 : 0800 444 426
"2 If you use a mobile phone to call a toll-free number, you might be charged.
The number might not be accessible from certain mobile network providers.
For more information, contact your network provider."
All the best :-)