How to download a free book if it requires payment verification

I want to download a free book, but it always requires payment verification. does anyone have the same problem??

How did you create the account, and is this the first time that you've tried to download anything with it ? Unless the instructions on this page are followed when creating an account : http://support.apple.com/kb/HT2534
then credit card details will need to be entered before the account can be used to download any item from the store.
If you are being prompted to review the account then you could see if this post by mountaingoatgirl lets you do so without needing to enter credit card details : https://discussions.apple.com/message/24303054#24303054
If that doesn't work then you will need to enter your payment details on the account - you should be able to remove them after entering them.

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