Family sharing has taken over payment methods on my wifes iphone

Hey NilsAndreas,

Welcome to Apple Support Communities.

With Family Sharing, every purchase made by family members are billed to the organizer's payment method. If you do not want to share your payment method you can turn off Purchase Sharing. With Purchase Sharing off, each member would need to use their own payment method.

All members will still be able to share subscriptions. This article provides additional information about how Purchase Sharing works: How to share purchases with your family.

If you would prefer to keep Purchase Sharing on, your wife can add money to her Apple ID balance. Her Apple ID balance will be used for her purchases. This only works if there's an Apple ID balance. If she needs assistance with adding money to her Apple ID balance, the steps below shows how on an iPhone, iPad or iPod touch.

1. Open the App Store app.

2. Tap your photo, initials, or the sign-in button  at the top of the screen.

3. Tap "Add Money to Account."

4. To add funds instantly, tap the amount that you want to add. Or to automatically add to your balance in the future, tap Set Up Auto Reload. What's auto reload?

5. Follow the onscreen instructions to complete the purchase. Some payment methods might prompt you to verify your purchase with a text message or other method.

If you need steps for a Mac or PC, scroll to the section labeled "Add funds to your Apple Account Balance on Mac or PC here: Add money to your Apple Account balance

Hope this helps. Take care.