Q: Family Share - Visa vs Gift card

Hi ldernst1,

Any purchases made by members of a Family Sharing group should be debited against any available store credit or gift card credit on their individual account before being billed to the organizer's card, as noted in the following article:

Making purchases

 

After you set up your family, any time a family member initiates a new purchase it will be billed directly to your account unless that family member has gift or store credit. First, their store credit will be used to pay the partial or total bill. The remainder will bill to the family organizer's card. As the family organizer, any receipts generated by the transaction will be sent to you. Learn more about how iTunes Store purchases are billed.

Family purchases and payments - Apple Support

Cheers,

- Brenden