Apple payment failed how to fix it ?

Try this -> Change, add or remove Apple ID payment methods

Change, add or remove Apple ID payment methods – Apple Support (UK)

• Add first the new card, then remove the old one.

See also -> Payment methods you can use with your Apple ID

Payment methods you can use with your Apple ID – Apple Support (UK)

You can also use your Apple ID balance as payment method: Add money to your Apple ID balance

Add money to your Apple ID balance – Apple Support (UK)