I am having the same problem; trying to make payment using multiple credit cards, both Indian and US based that have been used to make purchases on Apple before but to no avail. Apple support doesn't even reply to emails and at this point I feel pretty much stuck. It's been almost 45 days since I began this 'task' of getting Apple to accept my payment. I read about some people having luck with manual payment or wire transfers. I've written to Apple asking about the same, hope to get a reply.

I'm having the same problem. Trying to make payment from India since a month, but none of my cards get charged. The banks never get a request from apple and apple asks me to check with my bank. Now have used a friend's American card and it's again given me the same 'can take up to 2 business days to process' message. Hope it goes through as she has used the card before to buy apple products. It's surprising such a giant organisation has such terrible payment processing.