Error: "Please verify your information and try again, or try another payment method" in Apple Account

Hi MSS312,

welcome to the Apple (user-to-user) Coimmunity!

Re: "I have a large Apple account balance due to unused gift cards.

I am trying to use my balance and pay the remaining amount on a card. It keeps falling."

Please be aware Gift cards need to be used in their country of purchase.

While the all-new Apple Gift Card can be used for everything: Apple: products, accessories, services, and more, some earlier gift-cards need to be used for particular purchases (Eg: App Store, iTunes, or Products):

See: What type of gift card do I have? - Apple Support

and

What you can buy with your Apple Gift Card or Apple Account balance - Apple Support

NB: Some items may not be available for purchase with Gift Cards / Apple Account Balance:

You may want to check which payment methods Apple can accept in your country or region:

Payment methods that you can use with your Apple ID - Apple Support

You can often get expert shopping help during purchase of a product in the online store, by clicking to chat with a specialist.

Apple provides detailed, written "Shopping help" on many topics online: Help - Apple

Eg:

This is the Payments and pricing page: Payment, Financing, Refunds and VAT - Shopping Help - Apple

Eg: says:

"You can use up to eight Apple Gift Cards at a time when you purchase online from Apple, or if you’re placing an order by calling 1‑800‑MY‑APPLE. You can use your gift card(s) with an Apple Account Balance and Apple Pay or one credit card".

__________________________________________________________________________________________________

Re: "I have checked the credit card info and called my bank.

It appears that the charges aren’t even going to the credit card".

If your gift cards can be used ok for the purchase you are trying to make:

You may need to check with your bank whether International purchases can be made with your card.

If you are purchasing an item to be shipped, seems Apple requires that the address listed with your card issuer needs to be the same as the shipping address.

____________________________________________________________________________________________

Re: "I called and spoke to customer service but they aren’t emailing anything despite promises of a solution

in 24 hours".

Guessing it is Apple customer service you called, and not your bank ?

You may be able to get up to date information online if you received a case ID .

See: How to find your Case or Repair ID - Apple Support foir more details.

___________________

More Help or Support:

You may want to online chat / phone / email with Apple's Billing and Subscriptions Support Team:

There's a "Get Support" link at the bottom of their website: Subscriptions and Billing - Official Apple Support

See a list of Apple phone numbers around the world : Contact Apple for support and service - Apple Support

All the best :-)

What exactly is the error message?

Read this document about how to view your current payment types and add Apple ID payment methods on an Apple mobile device, a Mac, or a PC --> Add a payment method to your Apple Account - Apple Support

If an item appears in red then it is no longer working and you either need to replace it or get it working again. Apple may require the presence of a valid payment method such as a card, even if an app is free. You won't be charged but the card has to be there and in working order.

Check this resource about what to do if your payment method is declined in the App Store or iTunes Store. Click here --> If your payment method is declined in the App Store or iTunes Store - Apple Support

- Apple is checking with your financial institution if the payment method is valid and receiving a negative, or no, response. Make sure the name and address are entered exactly as it appears on your financial institution bills and that the 3 digit CVV is correct. Check with your financial institution about the status of your card.

- Make sure your payment method is up to date or to try a different one ( If you need to change or update your Apple Account payment method - Apple Support ).

- Make sure this is one of the payment methods that you can use with your account, as listed in this support article: Payment methods that you can use with your Apple ID - Apple Support .

・Unfortunately the payment methods list is somewhat general and does not include individual brands of cards (I guess there are too many and are constantly changing).

・Also read any footnotes in the document.

・If you are trying to use a payment method from another country you may encounter problems. Apple nowhere states outright your payment method must come from the same country as that to which your ID is set, but some contributors to the forum (none of us work for Apple) say—without any substantiation on Apple's part—this is the case. In fact what Apple says about international payment methods is found in If your payment method is declined in the App Store or iTunes Store - Apple Support where it says: "You might need to ask your financial institution to allow international purchases on your debit or credit card". It could be there is some other unstated requirement that raises problems such as the billing address for the card must be in the same country as your account country even if the issuer is a foreign bank. Apple does not say but usually it is easiest to just use a card from the same country as your Apple Account setting.

・Finally, note that the document only says which methods _are_ acceptable. Apparently certain types (usually a credit or debit card) _must_ also be present under certain situations such as when a subscription is involved.

If you still have problems, contact official Apple Support. Click here --> Choose your country or region - Official Apple Support Select your country, then a product. If you don't see one that handles your issue then keep experimenting with selections until you reach one that gets you a chat session or a telephone call and get the representative to redirect you.

or:

See a list of Apple phone numbers around the world, in this article --> Contact Apple for support and service - Apple Support

If you're in India, click on this link to read an April 2022 notice 'About billing for Apple subscriptions and media products in India' --> About billing for Apple subscriptions and media products in India - Apple Support

Additional verification that may be required when making purchases in Europe --> About billing and purchases in Europe - Apple Support