Verve card issues in Nigeria

The “way around it” is to use one of the payment methods listed here:

Payment methods that you can use with your Apple Account - Apple Support

Unfortunately, the list for Nigeria is fairly limited.

You will have to find a card that does work. Apple does not maintain a list of individual card brands that work so you will just have to keep on trying until you do find one that is accepted. Nigerian cards seem to be problematic. I see frequent posts from users in Nigeria who have problems getting their cards to work.