If you can't add a payment method, check https://support.apple.com/118429 , or this one about what to do if your payment method is declined in the App Store or iTunes Store —> https://support.apple.com/108095
- 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. “If you want to know why a debit card, credit card, or other payment method was declined, speak with your financial institution. Apple doesn't have information about why the payment method was declined.”
- Make sure your payment method is up to date or to try a different one ( https://support.apple.com/kb/HT213276 ).
- Make sure this is one of the payment methods that you can use with your account, as listed in this support article: https://support.apple.com/HT202631 .
・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). This thread is an example of where a person was not using an acceptable kind —> https://discussions.apple.com/thread/255832630
・Also read any footnotes in the document.
・If you are trying to use a payment method from another country you may encounter problems. Apple’s statements to me are unclear. In https://support.apple.com/HT203005 Apple implies international payment types can be used when it says, "You might need to ask your financial institution to allow international purchases on your debit or credit card". Apple then counters this in https://support.apple.com/118429 with, “If you're using an accepted payment method but your Apple Account is set to a different country or region, change your country or region.” 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 --> https://support.apple.com/choose-country-region/ 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 --> https://support.apple.com/HT201232
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' --> https://support.apple.com/HT212781
Additional verification that may be required when making purchases in Europe --> https://support.apple.com/108103