payment

See Add funds to your Apple ID https://support.apple.com/en-us/HT208687

"Before you can add funds to your Apple ID, you must have a valid payment method on file. Learn about the payment methods that you can use with your Apple ID. ... See how to Add funds to your Apple ID https://support.apple.com/en-us/HT208687  Note that "after you authorize the payment, the funds ... [are credited] to your Apple ID. Then, you can use the credit to make purchases from the App Store or iTunes store. Need more help? Contact Apple support for help here: Get started."

What happens when you try to add a payment method? Error message(s)? More information would help. 

Log into your account in the App Store/iTunes and you should be able to change/verify it there. 

What was the error message? You need to provide more information so someone can try to help.