How to pay for your subscription


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.

You can use a credit or debit card, or bank account to pay for your subscription. In some cases, 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 pay your invoice by check or electronic funds transfer (EFT), see Where do I send my check or EFT payment?


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.

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.

New regulations from the Reserve Bank of India

As of 1 October 2021, automatic payments in India might block some credit card transactions, especially transactions exceeding 5,000 INR. Because of this regulation, you might have to make payments manually in the Microsoft 365 admin center. These regulations won't affect the total amount you’re charged for your usage.

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

On 1 July 2022, Microsoft and other online merchants will no longer store credit card information. To comply with this regulation, Microsoft will remove all stored card details from the Microsoft 365 admin center. To avoid service interruption, you must add a payment method and make a one-time payment for all subscriptions and billing profiles.

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

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

In some cases, you can pay for your subscription by invoice with a check or EFT. To be eligible to pay by invoice, you must:

  • Be an established customer
  • Have a subscription cost that exceeds a certain amount (this amount varies by service location)
  • Pass a credit check

If a credit check is required, you’re notified when you buy your subscription. If you agree to be contacted, you get an email that includes more information about applying for credit approval. Credit checks are usually completed within two business days.


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.

  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 Bills & payments 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.

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 your subscription costs above a certain amount. You must first pay any outstanding balance on the credit or debit card or bank account before you can change to paying by invoice. To learn how to change payment methods, see Change a payment method for a single subscription.

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.

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