HT204034: Create or use your Apple ID without a payment method
Learn about Create or use your Apple ID without a payment method
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Helpful answers
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Nov 29, 2015 6:55 PM in response to AGJoesphby Carolyn Samit,You posted your topic in the Apple Pay forum ...
Apple Pay is not the same as using a credit card with the iTunes or Mac App Stores.
Apple Pay requires an iPhone 6 or later > Set up and use Apple Pay on your iPhone
However, if you are just trying to download free apps, select None for payment method. Instructions > iTunes Store: Changing account information
If None is not available > Why can’t I select None when I edit my Apple ID payment information?