Account

Apple ID payment information - If your payment method is declined, or you have a billing issue with a previous purchase in the iTunes Store

If necessary, contact iTunes Support. Either use the form or scroll to the bottom of the page in the 2nd link. Follow through the screens to get a chat or telephone option.  You may need to pick a problem that is slightly different than yours to get a chat option.  

iTunes Support

iTunes Support – world wide

Why can't you pay? You can't add a credit card to your account? More information would help.