verification required issue

To verify your payment information, you need to -> Sign in to your Apple ID account page and edit / update your Apple ID details -> https://appleid.apple.com                                                     

• On the Sidebar click Payment methods -> then tap Payments Methods and tap Manage payment method.

Or see -> Add a payment method to your Apple ID

Add a payment method to your Apple ID – Apple Support (UK)

• If you want to change your card, you need to add first the new card, then remove the old card.
• or if you use your Apple Account balance, you need to set your Apple Account balance as your default payment.

If you update your payment method or add funds to your Apple Account balance, It would take about 1 to 3 business days in order to process.

If you're still unable to update your payment method, Contact Apple Support.

See also -> Payment methods you can use with your Apple ID

Payment methods you can use with your Apple ID – Apple Support (UK)

fyi: Not all credit & debit cards seem to work with App Store / iTunes Store, try a different one, or preferably a credit card.

If your card is not accepted as a paymenf method, you need to contact your bank.

Get more help and assistant from Apple directly, see Contact Apple for support and service -> Contact Apple for support and service – Apple Support (UK) 

You usually need a payment method -

Unless you have a NONE option in the payment methods listed in your account details, you usually need to have added a valid payment method to your account. Even to re-download or update apps and for free apps.

M1 Mac mini, macOS 13.2.1; Watch, series 7 GPS/cellular, watchOS 9.3.1; iPad Pro 2nd Gen, iPadOS 16.3.1; iPhone 12 Pro, iOS 16.3.1; TV 4th Gen, tvOS 16.3.2; HomePods, audioOS 16.3.3 and Airport Express w/ Airplay 2

It appears that with the advent of the newest version of macOS the None option is no longer available among the payment methods for an App Store/iTunes account.

An alternative to a bank card, is to purchase an App Store gift card and redeem it so the credit balance is your payment method.