can not add payment method

This document explains how to add a payment method to your Apple ID on a Mac, Apple mobile devices, PC, or online --> Add a payment method to your Apple ID - Apple Support

On an iPhone or iPad:

1. Open the Settings app.

2. Tap your name.

3. Tap Media & Purchases, then tap View Account. You might be asked to sign in with your Apple ID.

4. Tap Manage Payments.

5. Tap Add Payment Method.

6. Enter the payment method details, then tap Done.

If an app or feature on your device is not working or is restricted, it may have been disabled using Screen Time, or by an IT administrator if you are using a device owned by an employer or educational institution. Read this document about using Screen Time on an iPhone, iPad, or iPod touch --> Use Screen Time on your iPhone, iPad, or iPod touch - Apple Support

Tap Settings > Screen Time > Content & Privacy > scroll to Allow Changes.

Check this resource about what to do if your payment method is declined in the App Store or iTunes Store. Click here --> If your payment method is declined in the App Store or iTunes Store - Apple Support

- Apple is checking with your financial institution if the payment method is valid and receiving a negative response. Make sure the name and address are entered exactly as it appears on your financial institution bills and that the 3 digit CVV is correct. Check with your financial institution about the status of your card.

- Make sure your payment method is up to date or to try a different one ( If you need to change or update your Apple ID payment method - Apple Support ).

- Make sure this is one of the payment methods that you can use with your Apple ID ( Payment methods that you can use with your Apple ID - Apple Support ) A solution may be to use a method from the same country as the store you are using, but Apple no longer states either way if this is a requirement (it used to say, "Make sure that the billing address for your payment method matches the billing address for your Apple ID" but has now downsized this to "You might need to ask your financial institution to allow international purchases on your debit or credit card." in: If your payment method is declined in the App Store or iTunes Store - Apple Support .

・Unfortunately the list is somewhat general and does not list individual brands of cards (I guess there are too many and are constantly changing).

・Also read any footnotes in the document.

・Finally, note that the document only says which methods _are_ acceptable. Apparently certain types (usually a credit or debit card) _must_ also be present under certain situations such as when a subscription is involved.

If you still have problems, contact official Apple Support. Click here --> Choose your country or region - Official Apple Support Select your country, then a product. If you don't see one that handles your issue then keep experimenting with selections until you reach one that gets you a chat session or a telephone call and get the representative to redirect you.

or:

See a list of Apple phone numbers around the world, in this article --> Contact Apple for support and service - Apple Support