Family share purchase approval not working

We've set up family sharing across 4 iOS devices.  two parents, two children, we've enabled "ask to buy" on the child accounts (ages 13 and 14).  All devices are running the latest version of iOS.  We've set up a credit card for the family organizer.
When one of the children tries to buy something in iTunes or in the App store, they get a message that says that they need to verify their payment info.  If they click on "verify" they get asked to provide a method of payment.  They cannot make purchases using the family organizer's credit card.  I entered the credit card info, and now they are able to make purchases without any approval.
I went into settings on the child phone, pulled up iCloud, and it shows that the organizer's credit card is associated with this family group.
What am I doing wrong?  How do I allow the child accounts to use the family share credit card?

I believe the credit would have to be on his iTunes store account, not yours, in order to be applied to his purchases before any balance due is charged to the organizer's credit card.  Your purchases would be charged to your credit first.

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