It won’t let me download free games, keeps asking me to verify payment. Why?

You have to put a valid payment method on your account, after which you may be able to remove that method and change your Payment type to None:

Payment methods you can use in the iTunes Store, Mac App Store, App Store, and iBooks Store - Apple Support

Change or remove your Apple ID payment information - Apple Support

Oftentimes, even free apps have In-App Purchases.

Best,

GB

Why is probably to ensure that you're using the correct iTunes store for your location. Apple's agreements with content providers means it tries to prevent cross border sales. Linking you to a real address verified by a credit card company or bank is a good way of doing this.

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