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Manage payment methods for Microsoft business accounts

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When you buy Microsoft business products or services, you can use an existing payment method to pay for them, or add a new one. You can use a credit or debit card to pay for the things you buy. Depending on your country/region, alternative payment methods might be supported.

Important

  • You must use a payment method issued from the same country/region as your tenant.
  • The option to pay with a bank account is no longer available.

Tip

If you need help with the steps in this article, 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

Note

If you're the person who signed up for the subscription, you're automatically a Billing account owner.

Add a payment method

Important

Adding a payment method doesn't associate it with any subscriptions or billing profiles you have. If you want to use the new payment method to pay for a subscription, you must move a subscription to it or replace an existing payment method in a billing profile or subscription.

If you have an MOSA billing account type, you can replace the payment method for all subscriptions that use another payment method as part of adding a new one. You can also replace a payment method later on.

Add a payment method for an MCA or MOSA account

  1. Go to the Microsoft 365 admin center.

    • If you're using the Simplified view, select the Products tab, then select View payment methods.
    • If you're using the Dashboard view, go to the Microsoft 365 admin center > Bills & payments page, and select the Payment methods tab.

  2. Select Add a payment method.

  3. If your country/region supports an alternate payment option, you see the selection in this step. Select the option you want to add and follow the Add payment method form.

    • Some alternate payment types might redirect you to your bank for verification. Don't click away of the Microsoft 365 admin center tab. After the verification is complete, you're automatically redirected back to the admin center.

  4. In the Add a payment method pane, enter the information for the new payment method, then select Save.

  5. To use the new payment method to pay for a subscription, you must move a subscription to it or replace an existing payment method in a billing profile.

Replace a payment method

When you replace an existing payment method, you can add a new one or use a payment method that's already in your account.

If you have an MCA billing account type, you can replace the payment method currently linked with a billing profile. If you have an MOSA billing account type, you can replace the payment method associated with one or more subscriptions.

Important

Replacing a payment method doesn't delete the existing payment method. The old payment method is still available for you to select and use for other subscriptions and billing profiles. Learn how to delete a payment method.

  1. Go to the admin center.

    • If you're using the Simplified view, select the Products tab, then select View payment methods.
    • If you're using the Dashboard view, go to the Microsoft 365 admin center > Bills & payments page, and select the Payment methods tab.

  2. Select the More actions button (three dots) for the payment method you want to replace, then select Replace.

  3. The Replace payment method wizard opens and you see the details for the current payment method. The Replace for section indicates if you're replacing the payment method for subscriptions (MOSA) or a billing profile (MCA).

  4. Under Choose payment method to move subscriptions, select either Use another payment method or Add a payment method.

    • If you chose Use another payment method, select an alternate payment method from the drop-down list, then select Next.
    • If you chose Add a payment method, select Next. On the Add a new payment method page, enter the payment method details, then select Next.

  5. On the Review details and replace page, you see the current payment method, the new payment method, and the associated subscriptions or billing profiles associated with the new payment method. Select Replace payment method, then select Close.

Edit payment method details

You can change the name, billing address, or expiration date for an existing credit or debit card. However, you can't change the card number. If the account number changed, replace it with a different payment method, and then delete the old one.

  1. Go to the admin center.

    • If you're using the Simplified view, select the Products tab, then select View payment methods.
    • If you're using the Dashboard view, go to the Microsoft 365 admin center > Bills & payments page, and select the Payment methods tab.

  2. Select the More actions button (three dots) for the payment method you want to update, then select Edit.

  3. In the Edit payment method pane, update your payment method information, including the name on the credit or debit card, billing address, or expiration date.

    Important

    If you update a credit or debit card, you must enter the security code before any changes are saved.

  4. Select Save.

Delete a payment method

You can only delete a payment method that isn't attached to a subscription or billing profile. This applies to all subscriptions, regardless of their status.

Delete a payment method with no subscriptions or billing profiles attached

If a payment method isn't associated with any subscriptions or billing profiles, you can immediately delete it.

  1. Go to the admin center.

    • If you're using the Simplified view, select the Products tab, then select View payment methods.
    • If you're using the Dashboard view, go to the Microsoft 365 admin center > Bills & payments page, and select the Payment methods tab.

  2. Select the More actions button (three dots) for the payment method you want to delete, then select Delete.

  3. The Delete payment method wizard open. If the payment method isn't associated with any billing profiles or subscriptions, you see the message "No subscriptions linked to this payment method."

  4. Select Delete payment method. When you see the success message, select Close.

Delete a payment method with subscriptions or billing profiles attached

If a payment method is attached to any subscriptions or billing profiles, you must replace it with an existing payment method or add a new one before deleting the payment method. This can be completed in the Delete payment method flow.

  1. Go to the admin center.

    • If you're using the Simplified view, select the Products tab, then select View payment methods.
    • If you're using the Dashboard view, go to the Microsoft 365 admin center > Bills & payments page, and select the Payment methods tab.

  2. Select the More actions button (three dots) for the payment method you want to delete then select Delete.

  3. The Delete payment method wizard opens and you see the payment method details of the payment method that's currently in use. The Replace for section shows the number of billing profiles or subscriptions associated with the payment method.

  4. Under Choose payment method to move subscriptions, select either Select a payment method or Add a new payment method.

    • If you chose Select a payment method, select an alternate payment method from the drop-down list, then select Next.
    • If you chose Add a new payment method, select Next. On the Add a new payment method page, enter the payment method details, then select Next.

  5. On the Review details and delete page, you see the current payment method, the new payment method, and the associated subscriptions or billing profiles associated with the new payment method. Select Replace and delete, then select Close.

Troubleshoot payment methods

Issue Troubleshooting steps
My credit or debit card was declined. If you pay by credit or debit card, and your card is declined, you receive an email that says Microsoft was unable to process the payment. Double-check that the card details—card number, expiration date, name on the card, and address, including city, state, and ZIP code—appear exactly as they do on the card and your statement. You can update your card information and resubmit the payment.

Also confirm you have sufficient funds in your account to support the payment.

For more information, see What if I have an outstanding balance?

If you continue to see the "declined" message, contact your bank. It's possible that your card isn't active, or you might have insufficient funds.
I want to update a credit or debit card number. You can't change the card on an existing payment method. If you want to replace a credit or debit card number, replace it with a different payment method, which moves all active subscriptions from the payment method to the new one.
I only have one credit or debit card on my account and I want to remove it. If you only have one payment method, follow the steps in Delete a payment method.
I can't add my credit or debit card. You must use a payment method issued from the same country/region as your tenant. If you have trouble entering your credit or debit card information, you can contact support.

Related content

Payment options for your Microsoft business subscription (article)
Manage your Microsoft business billing profiles (article)
Change your billing frequency (article)