My wife uses her iPad, playing games and using educational software. This is hard for us, have mercy! Wife used to buy stuff from iTunes/Store successfully. We had to ditch an old Apple ID of hers and make a new one (HAD to, forgot why). Previously, wife could buy game add-ons/extras with a few strokes no problem and if I recall, the money came from our local bank account, not a big-name bank. Now under her new ID we are trying desperately to add a payment method for apps, iTunes, everything; so far zero success, arggh! First I logged on to iTunes from a desktop PC, logged into her account and added a payment card, to wit my debit card. It took. 'Figured that would carry over to the iPad. Then logged in to iPad: NO PAYMENT METHODS. Wha!? Maybe a sync is required, naah, doubt it, and I don't know how. Tried adding my local debit card to Apple Pay. It said, "contacting issuer" then "no, they don't participate". Damn! Tried some things, no success. But then I succeeded in adding my AMEX card and verified it and it took. She goes into her game, tries to make a purchase and SPHLATT, "we could not do your purchase, try contacting iTunes Support". I hate Apples. Then in desperation added $15 to Apple Pay account using that AMEX card and it seemed to take. Tried the in-game purchase again ($14.99) and got the same awful failure message. Hate Apples! How can I get that $15 back, pray tell!? When you go to make an in-game (Farmville Seaside) purchase it doesn't even inquire about any choice of payment method. This stinks! Wife and I are getting old, can't deal well with these horrific incongruities. Stress, muscle spasms, deflation, arggh! Can anyone help?