For the last two weeks I can’t download apps it always takes me to the payment page
If you don’t money until tomorrow I still can’t download my new banking app that I need for tomorrow.
iPhone 11, iOS 18
If available, you can use Apple Gift Cards to increase your Apple Account balance.
How to redeem your Apple Gift Card, App Store Card, or App Store & iTunes Gift Card - Apple Support
Did you check, if your payment information is still correct and complete?
If you need to change or update your Apple Account payment method - Apple Support