All in-app purchases are made through the store you downloaded the game from. Therefore, you need to use a payment method accepted by that store.

For more information:

Available payment methods in App Store: https://support.apple.com/en-us/111741

Available payment methods in Google Play Store: https://support.google.com/googleplay/answer/2651410?co=GENIE.CountryCode%3DUnited+States&hl=en