I can’t paid my i cloud because dosent accept my payment method or my credit Apple Store

See -> 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.

See also the following Apple articles:

What you can buy with your Apple Gift Card or Apple Account balance

What you can buy with your Apple Gift Card or Apple Account balance – Apple Support (UK)

⤵️

• You can't use your Apple Account balance to send gifts or gift cards.
• If you use Family Sharing, your family members can't spend your Apple Account balance. Funds that you add to your Apple Account balance are only available to you. Find out more about how purchases are billed to your Apple Account balance.
• Some purchases might require you to have a credit card on file, even if you use your Apple Account balance to make the purchase.

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 want to use your Apple Account balance, you need to set your Apple Account balance as your default payment.

Add money to your Apple Account balance -> Add money to your Apple Account balance - Apple Support

If you have set your Apple Account balance as your default payment method, your default payment method will be used first by Apple when you need to make a payment.

Some purchases might require you to have a credit card on file, even if you use your Apple Account balance to make the purchase.

Where to buy a physical Apple Gift Card or App Store & iTunes gift card:

Actually, you can buy an Apple gift card at many places, at an Apple Store or an Apple Authorized Reseller in your region. 

If you have a valid payment method on file, instead of buying or order an App Store & iTunes gift card, you can Add money to your Apple Account balance anytime, no gift card needed, see -> Apple Gift Card - Apple (UK) 

If you still need help, get support from Apple directly -> Get Support or call Apple in your region see -> Contact Apple for support and service or check -> here for more support and assistance.