I'm having exactly the same problem. I used 2 different debit cards and 1 credit card but no luck. I contacted Apple Tech support they said "We have been unable to obtain payment for your recent Apple Developer purchase Please contact your financial institution for more information". then i contacted the bank, they told me that there is no transaction from apple. I have even enabled my card to be accessible from any country but still no luck. What i noticed from apple payment form is that there is no field to add 'c-v-v'. I cant understand why c-v-v is not enabled? I did not face any payment issue with Google Play developer membership, though i used same debit card i tried to use with Apple Developer Account.