Why I can’t add my card or UPI

If you can't make purchases or update apps, including free apps, you need to update your payment method or add a new one. If you already verified that a payment method is available in your country or region and you're still having trouble, learn more.

Based on your country of residence and country you have selected under your Apple ID --> Payment methods that you can use with your Apple ID - Apple ...

Have you a Debit/Credit card that is issued to you that is valid internationally and is from the same Country / Region as your Apple ID.

Know it here --> If your payment method is declined in the App Store or iTunes ...

Check the following

1. The payment method that you are adding is of the same country as that of App Store Country on your iPhone
2. You have a valid payment plan debit/credit card from an authorised bank from the same country
3. Payment methods that you can use with your Apple ID - Apple Support
4. Learn more about family purchases and payments.
5. Please check if your Debit/Credit card is valid internationally

You may get better and prompt responses if you may kindly provide the iPhone Model that you have and the iOS version if it is known to you and re-post.

You may get faster responses to your query by --> Writing an effective Apple Support Commun… - Apple ...

rishav144 Said:

"When I adding my card or UPI it’s showing all time"

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What to Do:

A. Use a Computer:

Perform this using a computer, as it would be more user-friendly, doing so.

B. Refer to this Link: If you can't Add Cards to Wallet to Use with Apple Pay - Apple Support

C. Contact your Bank:

If you still cannot get this to be added, then contact your financial institution (i.e. bank). Perhaps this may be seen as a scam, though that may not be the case. Let them know that this is you intending to perform this, and that all is ok to be preceded with.

If you can't choose None as a payment method only if...

1. If you have an unpaid balance or payment due
2. If you have a subscription that automatically renews
3. If you're using the iTunes Store or App Store for the first time
4. If you are not in the country or region you’re creating an Apple ID for
5. If you changed your country or region
6. If you're a part of Family Sharing

See the pic below which clearly states you need iPhone 7 for UPI.

Every app has its own boundaries. Please contact the app developer --> How to contact an app developer - Apple Support