Payment method can't be verified on Apple ID

Apple is probably trying to confirm the validity of the information with your financial institution and not receiving a response, or is being told that the information does not match their records. Not receiving a response could be due to connectivity issues (do you have a good connection?) anywhere in the network, or a problem with your card (ask your bank).

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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 account, as listed in this support article: Payment methods that you can use with your Apple ID - Apple Support .

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

・Also read any footnotes in the document.

・If you are trying to use a payment method from another country you may encounter problems. Apple nowhere states outright your payment method must come from the same country as that to which your ID is set, but some contributors to the forum (none of us work for Apple) say—without any substantiation on Apple's part—this is the case. In fact what Apple says about international payment methods is found in If your payment method is declined in the App Store or iTunes Store - Apple Support where it says: "You might need to ask your financial institution to allow international purchases on your debit or credit card". It could be there is some other unstated requirement that raises problems such as the billing address for the card must be in the same country as your account country even if the issuer is a foreign bank. Apple does not say but usually it is easiest to just use a card from the same country as your Apple Account setting.

・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

If you're in India, click on this link to read an April 2022 notice 'About billing for Apple subscriptions and media products in India' --> About billing for Apple subscriptions and media products in India - Apple Support

Additional verification that may be required when making purchases in Europe --> About billing and purchases in Europe - Apple Support