How do I fix 'Purchase Could Not Be Completed' error with valid payment and no restrictions?

A possible reason for seeing this message is Apple cannot find a functioning payment method (usually a credit or debit card) to use in association with making this purchase. You may not have adequate balance. Even if you do have adequate balance, Apple may require a payment method be present on your account (particularly if you are starting a subscription or trial). Even free apps may require the presence of a payment method, although it won't be charged if they are free. Some items cannot be purchased with account balance.

Use the document Add a payment method to your Apple Account - Apple Support to review your payment methods such as credit or debit cards. Problem methods will usually have a notice in red lettering below them. The article: If your payment method is declined in the App Store or iTunes Store - Apple Support has some information about declined payment methods.

For information about updating payment methods on various platforms (iPhone, Mac, etc.), click here --> If you need to change or update your Apple Account payment method - Apple Support

If there's an issue [such as you having a subscription or being a Family Sharing Organizer], add a new card first, then remove the old card.

If using Apple Account balance to pay for an item, ensure there is adequate balance to pay for the item, including tax if applicable. Read this article about how to check your Apple Account balance.--> Check your Apple Account balance - Apple Support Some purchases may require the presence of another payment method such as a credit card even if the final payment will be made by account balance.

If you want to do as Apple says and to contact them, I personally have found their method in this situation somewhat confusing and leading me in circles. Try this:

-Click on this link —> Choose your country or region - Official Apple Support

-Choose your country from the list.

-Scroll down the page to “Get Support” and click on “start now”.

-Scroll down to “Get more help” in the bottom left and click on it.

-What you see will depend upon the support types available in your country. You will hopefully get a chat session.

If that fails to work, this support article has various country telephone numbers for contacting Apple for support and service ➔ Contact Apple Support - Apple Support

Click here and ask Apple Support for assistance, or contact them in another way; since you have store credit on your account, there are no other solutions.

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KRAFTYforU wrote:

Apple Support is useless and cannot even understand the issue to give any sort of fix.

I wholeheartedly agree with you that using the support link (which is what Apple provides for this) results in a bit of a runaround. Contact Apple about this: Product Feedback - Apple

Apple may not respond but your comment will be read.

Remember that the people responding here do not work for, or represent, Apple. We are people just like you, volunteering responses out of the goodness of our hearts. We have no more access to your account than you do to ours. There is absolutely nothing we can do about the inner workings of Apple and your account. That is between you and Apple.

Frankly this is the first time in several decades where I have seen anybody mention "fraud" as being a reason for seeing that message.

You obviously did not click your way thorough the contact options in the the link in the first post which eventually gets you to a chat option.

You also apparently saw no value in the second part of my first reply which provided a more direct link to being able to talk to somebody at Apple.