The "official" way to fix, per Apple, it is to email Apple's iTunes support (iTunesStoreSupport@apple.com), inform them of the problem, and then wait for them to fix it for you on their end. The good news about this solution is that my email was answered very quickly, the support person knew what the issue was and how to fix it, and within a couple days of telling them about the problem they had fixed it and I am up and working again.
After they told me it was fixed, it did take almost exactly 24 hours to take effect, and in the email they told me "wait about 24 hours and try purchasing an app again."
At the time I was having this problem (while traveling abroad) I was in no mood to "wait it out" as other answers have suggested, but since it was handled so capably and promptly by iTunes Support, I wouldn't suggest that as a course of action. It is a known issue for them.
I suppose I should begin with the caveats that
- I do not live in Europe so I do not know how things might work there.
- I do not own or manage a business. So also clueless there.
- I have not personally ever bought anything other than free apps from the Apple App Store.
So, what I am saying is that I can not answer your question. But I also suffer from Y-chromosome induced Male Answer Syndrome, so I'll try to answer anyway.
Let's start with the assumption that Apple wants to sell you these apps. You just have to track down someone to help you either at Apple or at the company which sells this Afaria app you mentioned.
You do not mention which country in Europe you are in. But I assume there is an Apple web site either for that country or for your native language. I suggest you go to that web site and search there for information on a volume licensing program.
For example, I tried looking at http://www.apple.com/uk/ and searched for volume license.
That search turned up this link: http://www.apple.com/uk/mac/volume-licensing/
Now the page that link took me too appears to apply to volume licensing only for the OS X Lion operating system. Still, the people involved would at least know something about Apple's Volume License process. So, if you were in the UK I would suggest you contact them and start a conversation.
Even if they can't help you they could still probably point you towards other Apple people who might be able to help you.
I suggest you try something like that with the Apple web site which targets your region in Europe.
I realize this would be a tedious and frustrating process. And I hope someone else provides a better answer to your question here. But unless they do, I think your best chance of solving your problem is to start working you way through people at Apple who would want to sell you something help you.
Best Answer
You may have overdrawn/gone into your overdraft. If your card does not have an overdraft facility, be careful, the amount of money you overdrew can get charged horrifically (at least it does here in the UK).
Not sure what Apple policies are or the time they allow to fully pay if off if they haven't collected the full money though.
Hope this helps!