Unable to update or download apps due to pending bill

If you see the message that there was a billing problem with a previous purchase:

If a message says 'billing problem with previous purchase' or 'verification required' - Apple Support

To be clear, Apple Pay is not an account, it is just a means to securely transmit payment information. Cards that can use Apple Pay are in the Wallet app and purchases in the App Store are billed to your on payment method on file for your account.

This has nothing to do with Apple Pay. It’s your Apple Account. I’ve requested the mods move your post so you can get a prompt answer to your questions.