Re: How do I verify my payment information?
You can contact your card-provider. It is likely that the provider of your card needs your use of the card verified. Seems Apple is unable to charge your card, as the card-issuer isn't allowing payment of your purchase. (Eg: international payments may need to be authorised.)
Or: If you disputed a charge from Apple, you may need to contact your card-provider and authorise them to allow payments to Apple again.
Or
If your purchase wasn't approved by the card-provider, (ie: after you removed, then replaced it without verifying its use with the card-provider), then the purchase charged to your account needs to paid before you can use the account again.
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Find out how to pay an unpaid order : See Apple Support's online article:
If a message says 'billing problem with previous purchase' or 'verification required' - Apple Support
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If needed: See which payment methods Apple can accept n your country or region: Payment methods that you can use with your Apple Account - Apple Support
You could add another payment method that Apple can use:
Add a payment method to your Apple Account - Apple Support
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Re: "is it because my phone is too old?? i have an xr. what do i do???"
It is unlikely the verification issue has anything to do with your XR iPhone's age. To ensure best security: you could update to the newest iOS available: Eg: You could check in Settings > General > Software updates to see if there is an update waiting to installed. (NB: It is wise to back-up your data first if you want to update iOS)
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If needed: About iOS 18 Updates - Apple Support says iOS18.2 is latest.
