Payment options for your Microsoft business subscription (2023)

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You can use a credit or debit card, or bank account to pay for your Microsoft business subscription. For qualifying customers, you can pay by invoice, using check or electronic funds transfer (EFT). If you have a billing profile, your options are slightly different. For more information, see How to pay for your subscription with a billing profile. If you're not sure if your account has a billing profile, see Understand billing profiles.

Just want to find out where to send your invoice payment? If you currently pay your invoice by check or EFT, see Where do I send my check or EFT payment?


  • Starting on April 1, 2023, we will stop accepting checks as a payment method for subscriptions paid by invoice. Beginning on that date, pay by check will no longer be available as a payment option, and check payment instructions will be removed from invoices. You can still pay for your invoice by electronic funds transfer (EFT). See your invoice for EFT payment information. If you're an existing customer who currently pays by check, you have until September 30, 2023 to change to paying by EFT, and avoid possible service disruption.
  • As of January 26, 2021, new bank accounts are no longer supported for customers in Belgium, France, Italy, Luxembourg, Portugal, Spain, and the United States. If you're an existing customer in one of those countries, you can continue paying for your subscription with an existing bank account that is in good standing. However, you can't add new subscriptions to the bank account.


If you need help with the steps in this topic, consider working with a Microsoft small business specialist. With Business Assist, you and your employees get around-the-clock access to small business specialists as you grow your business, from onboarding to everyday use.

(Video) How to update your Microsoft 365 payment method

Before you begin

  • You must be a Global or Billing admin to do the steps described in this article. For more information, see About admin roles.
  • The payment method that you choose during checkout is the payment method that we use for all future billing periods. You can change it at any time.

Directives from the Reserve Bank of India

Currently, some credit card transactions, especially transactions exceeding 5,000 INR, are blocked due to a directive by the Reserve Bank of India. This might affect automatic payments, which means that you might have to make payments manually in the Microsoft 365 admin center. This directive doesn't affect usage charges.

Learn more about the Reserve Bank of India directive for recurring payments.

As of September 30, 2022, Microsoft and other online merchants no longer store credit card information. Microsoft has removed all stored card details from the admin center. To avoid service interruption, you must add and verify a payment method for all subscriptions.

Learn about the Reserve Bank of India directive for card storage.


Because of the removal of credit card information, when you view your list of payment methods, the Expiration Date and Status columns only say "Unknown."

UPI and NetBanking payment options

The admin center supports two alternate payment options for customers in India:

  • UPI (Unified Payments Interface) payment is a real-time payment method.
  • NetBanking (Internet Banking) provides customers with access to banking services on an online platform.


UPI and NetBanking are only supported for one-time transactions for existing customers only.

(Video) Choosing the right Microsoft 365 business subscription

How do I make a payment with UPI or NetBanking?

  1. If you're a returning customer, when you make a payment, select UPI / NetBanking from the Payment method drop-down list, then select Make payment.
  2. You're redirected to the payment partner, BillDesk, where you choose UPI or NetBanking for your payment method.
  3. Follow the instructions in BillDesk to complete the transaction.

After you submit the payment, allow time for the payment to appear in the admin center.

How am I refunded if I made a payment with UPI or NetBanking?

Refunds are treated as a regular charge and are refunded to your bank account.

Paying by credit or debit card, or bank account


Paying by bank account is not available in some countries or regions.

You can pay for your subscription with a credit or debit card, or a bank account. When you pay with one of these payment methods, we continue to charge that payment method until the subscription expires, or is canceled. You can manage payment methods whenever you need to. You can also choose to receive your organization's invoices as email attachments.

Paying by invoice

If you're a new customer, paying by invoice isn't available as a payment method. However, you can buy subscriptions with a credit or debit card or through a partner or reseller.

(Video) How to maximise your Microsoft 365 subscription

If you're an existing customer, and you meet the eligibility requirements described below, you can contact support to help you change a current subscription to be paid by invoice. If you want to buy a new subscription, and you meet the eligibility requirements, you might be approved to change your payment method to pay by invoice. Contact support to find out if you can pay by invoice, and to help you buy a new subscription using the pay by invoice option.

Eligibility requirements. To be eligible to pay by invoice, you must:

  • Be an established customer for at least six months and have no outstanding balances
  • Have a subscription cost that exceeds a certain amount (this amount varies by service location)
  • Pass a credit check


Customers who live in Brazil can pay for a subscription with a Boleto Bancario. If you have selected this option, the billet for payment is sent to the email provided during subscription purchase within 10 working days after the order date. The due date is 30 days after the order date. If you don't receive your Boleto by email, check your spam folder or contact support.

If you prefer, you can pay by electronic transfer between accounts. The Agency and account number are at the bottom of your invoice. You must enter your invoice number in the Transfer identification field.

If you pay by invoice for your subscription, you get an email when your billing statement is ready to view. This email doesn't contain a copy of your billing statement. However, you can choose to receive your organization's invoices as email attachments. Your billing statement includes details about your options for making a payment, and where to send it. If you enter a purchase order (PO) number when you buy a subscription, the number appears on your billing statement. For information about accessing billing statements, see View your bill or invoice.

What if I have an outstanding balance?

If we're unable to charge the payment method on file, we send an email that lets you know there's a problem. The email briefly states what the problem is and includes a link where you can check the outstanding balance. We continue to retry the transaction every few days for 30 days, during which time the subscription is in a grace period. Every time a transaction fails, you receive an email alert about the failure.

If you personally added the payment method that has a past due amount, you can use Settle balance to make a payment. The payment method that you use to pay the overdue amount becomes the new payment method for all subscriptions that used the declined payment method.

(Video) How To Cancel Your Microsoft 365 Subscription | Quick and Easy

  1. In the admin center, go to the Billing > Bills & payments page, then select the Payment methods tab.
  2. A warning message says which payment method was declined. Select Settle balance.
  3. In the right pane, choose a different payment method, or select Add a new payment method.
  4. After you've updated the payment method information, select Save.

If you didn't add the payment method used to pay for the subscription, you must replace the payment method with one you previously added, or with a new one.

Where do I send my check or EFT payment?

Check your invoice for payment instructions for your country or region. If you're not sure how much you owe, you can check your bill and billing history online on the Invoices tab of the page.


  • Paying by check is only available in a few countries.
  • If you must pay the membership fee for the Microsoft Partner Network (MPN) program (Action Pack subscription, Silver or Gold competencies), see Pay competency fees for information about how to make an MPN payment.

Check or wire transfer payment processing time

Payments made by check are posted three to five business days after the check clears your bank. You can contact your bank to confirm the check status.

Payments made by wire transfer have processing times that vary, depending on the type of transfer:

  • ACH domestic transfers - Five business days. Two to three days to arrive, plus two days to post.
  • Wire transfers (domestic) - Four business days. Two days to arrive, plus two days to post.
  • Wire transfers (international) - Seven business days. Five days to arrive, plus two days to post.

If your account is approved for payment by check or wire transfer, the instructions for payment are on the invoice.

Can I pay my invoice online?

You can't pay your invoice online. You must remit payment via either check or EFT.

Can I change from my current payment method to paying by invoice?

You can only change to paying by invoice if you meet the eligibility requirements described in the Paying by invoice section above. You must first pay any outstanding balance on the credit or debit card or bank account before you can change to paying by invoice. Contact support to see if you can change to paying by invoice.

(Video) Microsoft 365: Subscriptions and Pricing Model

Can I change from paying by invoice to using a different payment method?

You can't automatically change from paying by invoice to paying with a different payment method. Instead, you must buy a different subscription paid for with a credit or debit card or bank account, move all users to the new subscription, and then cancel the old subscription.

Related content

Manage payment methods (article)
View your bill or invoice (article)
Understand your bill or invoice (article)


Why won t Microsoft process my payment? ›

If you're having trouble buying something from Microsoft Store, here are some steps to try: Check your credit card is up to date on the Payment options page. Check you don't have any subscription payments overdue on the Services page. Check your account is not temporarily suspended.

Why is Microsoft not accepting my debit card? ›

We do not accept cards that require you to enter a PIN (debit cards) when making a payment. Some countries require additional security verification or two-factor authentication in order to process payments.

Why won t Xbox authorize my payment option? ›

Contact your credit card company or bank and make sure that the payment method you're using has been activated and has available funds, and the transaction isn't being blocked for some reason. If the payment method you use to pay for your Xbox subscription is expired or no longer valid, you'll need to update it.

How do I change my payment method on my Microsoft business account? ›

In the admin center, go to the Billing > Bills & payments > Payment methods page. Select the row of the payment method to update. In the right pane, select Edit. Update your payment method information, including the name on the credit or debit card, billing address, or expiration date, and then select Save.

Why is my payment method declined even though I have money? ›

Your card may be declined for a number of reasons: the card has expired; you're over your credit limit; the card issuer sees suspicious activity that could be a sign of fraud; or a hotel, rental car company, or other business placed a block (or hold) on your card for its estimated total of your bill.

Why does it keep saying payment failed? ›

These types of errors can happen when a customer provides incorrect card details, the wrong one-time password (OTP), or they have insufficient funds in their account. It's also referred to as an incomplete payment. Online payment failure from the merchant's side.

Why is my debit card payment failing? ›

Please check the reasons below to avoid debit card transaction failures: Card details entered are incorrect ( Card number, card expiry and CVV) Incorrect OTP / Incorrect VBV Verified by Visa password. Make sure you have your registered Mobile number with you as OTP will be delivered on the registered number only.

Why can't I make payments on my card? ›

Not Enough Available Credit

Your credit card may be declined if you don't have enough available credit for the transaction. You can't make a payment right away to free up some available credit, unless the card is linked to your checking account, so it's best to use another payment method if you experience this problem.

Why is my card not accepted by merchant? ›

Some common reasons for declined credit cards include insufficient funds, transaction errors, stolen cards and unusual activity, among others. Declined or failed payment transactions are a common occurrence for many businesses, and this can bring a series of negative consequences for their revenue.

How do I fix payment request denied? ›

To fix these errors, try the following steps:
  1. Make sure your card & address information is up to date.
  2. Submit any extra information that is requested.
  3. Check you have sufficient funds for the purchase.
  4. Contact your bank or card issuer.
  5. If you see "Your payment was declined due to an issue with your account"

Why can't I add my card to my Microsoft account? ›

Open your in an Incognito browser window and see if you can add the new card to your account. If you continue to receive this message you will need to contact microsoft support to report this error and receive help with this issue.

Why is my debit card not being accepted online? ›

The card isn't activated. Attempts to exceed your daily transaction amount. Lack of available funds. Expired card information is being used.

Why is my card being rejected on Xbox? ›

This means that your payment option has expired, and you won't be able to use your Xbox subscription until the card is updated or a different payment method is added.


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