Archive. This is an archive of the Apple Support Community. Discussions are being restored and soon you will be able to read and post here again.

Issue with payment method won’t be accepted to my apple account

Hello, I’m located in Guyana. I’m using a Demerara Bank Visa card, but Apple keeps saying there is an issue with my payment method. My Apple Account region is set to Guyana. Can you please help me resolve this issue?

1 reply

Read this article about how to view your current payment types and add Apple Account payment methods on an Apple mobile device, a Mac, or a PC --> https://support.apple.com/118429

If an item appears in red then it is no longer working and you either need to replace it or get it working again. Even if an app is free, or payment will ultimately be taken from your personal account balance, Apple may absolutely require the presence of a valid and working payment method such as a credit or debit card.


If you can't add a payment method, check https://support.apple.com/118429 , or this one about what to do if your payment method is declined in the App Store or iTunes Store —> https://support.apple.com/108095

- Based on the information you enter, Apple is checking with your financial institution if the payment method is valid. Apple is receiving a negative, or no, 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. “If you want to know why a debit card, credit card, or other payment method was declined, speak with your financial institution. Apple doesn't have information about why the payment method was declined.”

- Make sure your payment method is up to date or to try a different one ( https://support.apple.com/kb/HT213276 ).

- Make sure this is one of the payment methods that you can use with your account, as listed in this support article: https://support.apple.com/HT202631 .

・Unfortunately the payment methods list is somewhat general and does not mention individual brands of cards (I guess there are too many and are constantly changing). This thread is an example of where a person was not using an acceptable kind —> https://discussions.apple.com/thread/255832630 Prepaid cards are not true credit cards.

・Read any footnotes in the article., plus more information here —> https://discussions.apple.com/thread/256292726?answerId=261938122022#261938122022

・In https://support.apple.com/118429 this statement is somewhat unclearly worded but it appears to say that your payment method’s country and your account country must match. —> “If you're using an accepted payment method but your Apple Account is set to a different country or region, change your country or region.”

・A card may be declined if a previous charge to that card has failed, such as you having asked the financial agency to refuse payment for an item you did not want.

・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 --> https://support.apple.com/choose-country-region/ 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 --> https://support.apple.com/HT201232