My Apple ID payment method was declined, and verification failed on my iPhone 11.

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Did you already have an Apple ID? Was it working before now or is this a new subscription?
 
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Yes, I've had this Apple ID for a while, and it worked fine until now. This issue just started happening when I tried to update my payment method.
 
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Here is Apple's instructions https://support.apple.com/en-us/118293 and worth noting is that they include a "If there's an issue, change your payment method". They seem to be suggesting that if you have a problem changing the method, try adding a method then remove the old method. I have encountered this issue with other online accounts, they seemingly wont let you remove or edit an existing payment method until you enter another one. I assume this is because you cannot have an Apple Account without a payment method.

 
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