I think the problem is that for large payments like this, $99, VISA requires a OTP (one time pin) to authorize payment. I live in Indonesia and when I make a payment for more than 500,000 rupiah (around $35 USD) I get sent an SMS with an 5 digit OTP that I enter into a VISA page after the transaction page. Apple does not use this system. So Apple is sending a greater than $35 payment request to VISA without an OTP request, which VISA then rejects because all payments above $35 require an OTP request! Apple tells you it is your bank but it isn't. It is Apple failing to incorporate OTP into it's system probably because it is international.This does not happen on the Google Play Store because they only charge $25 so you can pay for it without VISA blocking the payment. I can't actually remember what happened when I joined Google Play so perhaps they do have OTP. Anyway, I have sent an email to Apple and am waiting for their response regarding this.Good luck to us all!