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I was also having this problem on my S23 with the Lightroom for Samsung app. Tried with a debit and bank card and got the same or slightly different error code.
My personal adobe account was linked with my facebook login so I signed in to my adobe account on a desktop, disconnected my facebook and set an password for my adobe account. Went back to the lightroom for samsung app, tried to subscribe and it went through straight away! Hope this helps someone else.