The App Store may require a payment method to verify your identity for some apps, even though the apps themselves are free. The App Store will also require that you update your payment method if you have an existing subscription on your Apple ID that was unable to renew successfully. If you need to add a credit card to your Apple ID:
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Make sure you're selecting the correct app in the App Store. The Zoom icon is blue, and the app has more than 2.7 million ratings.
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Fill in your card information in the popup
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If you get a “Card already exists” notification, you will need to add a different card. This can be a temporary change, since there won't be any actual charges in this transaction.
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Once you've added the new card, you will be able to download and install the Zoom app.