I had this issue for a couple of weeks too. Every time I made the payment it was refunded and I even couldn't see that in my banking transation list. I did a bit of research. I am not a IOS user, I created my Apple account only for my new app. If your icloud is not activated, if you havenot used your credit card ever in appstore, your application might take a long time or may even never proceeded. A simple solution; singn in with an apple device and activate your icloud, and make a small purchase even 90C before you apply for developer program account. My one worked.