Q: How can I take off my pay method off my iCloud account?

Change or remove your Apple ID payment information - Apple Support

Are you saying there is no option for "None"  as a payment option?

Have you tried the link in the previous article tha readS: Why can’t I select None when I edit my Apple ID payment information? - Apple Support

You are looking for 'none' just by logging into the account (it won't show when trying to download something) ?

And none of the scenarios on the linked article in Phil0124's last reply apply e.g. you aren't a family organiser in family sharing, or owe iTunes money etc ?

It will show on your account's purchase history on your computer's iTunes

Trava$ wrote:

How would I know if I owe them money?

To see if you owe money:

If you have an unpaid balance or payment due

You can't select None as your payment type until you pay your balance. To see which order you need to pay for,view your purchase history on a Mac or PC. When you sign in to the store, you might see a message that there was a billing issue with your last order. Click the Billing Info button to see the order.

After you pay for the order, you can change your payment information to None.

Try reading the articles through. And see if any of the scenarios apply.