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This support article explains how to cancel a subscription from Apple on an Apple mobile device, Mac, PC, and online (see the Android section) ➔ https://support.apple.com/118428
Notes:
• You might need to scroll down to find the Cancel Subscription button.
• If you don’t see Cancel Subscription, then the subscription is already canceled and won't renew. An "Expires" date (instead of "Renews") means the current subscription has been canceled but will work until the expiration date. "Resubscribe" (or Renew) is just in case you change your mind about having it end.
• Deleting an app does not cancel a subscription.
• “If you signed up for a free or discounted trial subscription and you don't want to renew it, cancel it at least 24 hours before the trial ends.” Exceptions in: https://support.apple.com/108098
• Free trials will usually automatically turn into paid subscriptions unless you cancel in time.
• If you don't have an Apple device, see the options near the bottom of the support document.
• Many subscriptions are set to renew automatically until you intentionally cancel them.
The above will cancel the subscription but if you owe Apple money you will have to pay them. If you wish to pursue a refund, follow the directions in this support article about how to request a refund for apps or content that you bought from Apple ➔ https://support.apple.com/118223 Also review the terms in section B of https://support.apple.com/fht204084 The likelihood of you getting a refund will vary greatly from region to region. In some regions refunds are only made to remedy defective or unavailable product. You can request a refund on other grounds but those refunds are entirely discretionary and not guaranteed. Special terms also apply for some countries: https://support.apple.com/108098
You do not explain what the problem is with your payment method so until we know more details we can't really halp you effectively.
