Use Apple ID Balance without credit card
I have balance but I can’t use it to purchase, I don’t have a credit card or paypal account and want to use my balance to purchase, how can I do it?
also there is no “none” option for payment method
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"Some purchases might require that you have a credit card on file, even if you use your Apple ID balance to make the purchase." - from: What you can buy with your Apple ID balance --> https://support.apple.com/HT211187
For a variety of reasons Apple will almost always require a functional payment method such as a credit or debit card be present when downloading anything from the iTunes or App Stores that isn't totally free, even if the item will be paid for with Apple Account balance. The only solution to satisfy this requirement is to add a valid payment method.
This document explains how to 'Change, add, [review,] or remove Apple ID payment methods' on an Apple mobile device, a Mac, or a PC; click here --> https://support.apple.com/HT201266
The document 'If you can't remove your last payment method or use no payment method with your Apple ID' ( https://support.apple.com/HT203905 ) mentions, "if you're using an existing Apple ID with the App Store for the first time, you must provide payment information."