Manage payment methods for Microsoft business accounts

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.

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 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

• Find out what type of billing account you have.
• If you have a Microsoft Customer Agreement (MCA) billing account type, you must be a Billing account owner or contributor, or a Billing profile owner or contributor to dp the tasks in this article. For more information about billing account and billing profile roles, see Understand your Microsoft business billing account and Manage your Microsoft business billing profiles.
• If you have a Microsoft Online Subscription Agreement (MOSA), you must be at least a Billing Administrator to do the tasks in this article. For more information, see [About admin roles].
• If you have an MCA billing account type and you’re a Billing profile owner or contributor, you can use the billing profile that's backed by a credit or debit card or invoice payment to make purchases or pay bills. If you're a Billing invoice manager, you can only use a billing profile to pay bills. To learn more about billing profiles and roles, see Manage your Microsoft business billing profiles.

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.

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. To assign a single subscription to the payment method, see Replace the payment method for a single subscription.

1. Go to the Microsoft 365 admin center.

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

2. Select Add a payment method.

   Note

   For customers in India, when you add a new payment method, we generate a one-time password for you. When prompted, enter the password to save the new payment method.

3. On the Add a payment method page, enter the information for the new payment method, then select Save.

4. To use the new payment method to pay for all subscriptions currently paid for with another payment method, select Replace an existing payment method.

5. Select the payment method you want to replace, then select Replace.

Watch: Update your payment method

Check out this video and others on our YouTube channel.

If you found this video helpful, check out the complete training series for small businesses and those new to Microsoft 365 on YouTube.

Update 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 has 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 Billing, then select View payment methods.
   • If you're using the Dashboard view, go to the Billing > Bills & payments page, and select the Payment methods tab.

2. Select the payment method to update. In the edit pane, select Edit.

3. Update your payment method information, including the name on the credit or debit card, billing address, or expiration date, and then select Save.

Important

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

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. You can replace the payment method in the Microsoft 365 admin center. However, the steps to replace a payment method depend on the type of billing account that you have. Find out what type of billing account you have.

• Replace the payment method for a billing profile (MCA billing account types only)
• Replace the payment method for a single subscription (MOSA billing account types only)
• Replace a single payment method for all subscriptions (MOSA billing account types only)

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.

Replace the payment method for a billing profile

If you have an MCA billing account type, you can replace the payment method that's linked with a billing profile.

1. In the admin center, go to the Billing > Billing accounts page.
2. On the Overview tab, select a billing account.
3. On the billing account details page, select the Billing profile tab. The tab lists all billing profiles associated with the selected billing account.
4. Select a billing profile name to view its details page.
5. On the billing profile details page, in the Invoice and billing notifications section, under Payment method, select Replace.
6. Select a new payment method from the drop-down list. If you need to add a new payment method first, select Add payment method, enter the details, then select Save.
7. In the Replace payment method pane, select a different payment method from the drop-down list, then select Replace.

Replace the payment method for a single subscription

If you have an MOSA billing account type, you can change the payment method used to pay for a single subscription.

1. Go to the admin center.

   • If you're using the Simplified view, select Billing.
   • If you're using the Dashboard view, go to the Billing > Your products page.

2. Select the subscription that you want to pay for with the alternate payment method.

3. On the product details page, in the Subscription and payment settings section, select Replace payment method.

4. If you want to add a new payment method first, select Add payment method, enter the details, then select Save.

5. In the Replace payment method pane, select a different payment method from the drop-down list, then select Replace.

Replace a single payment method for all subscriptions

If you have an MOSA billing account type, you can change the payment method used to pay for all your subscriptions at once. If you only want to change the payment method for one subscription, see Replace the payment method for a single subscription.

1. Go to the admin center.

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

2. Select the payment method to replace. The right pane lists all the individual subscriptions that use the selected payment method.

3. In the right pane, select Replace payment method for all items.

4. Review the payment method details, then select Next.

5. To use a different payment method already on file, select Use another payment method. To add a new payment method, select Add a payment method.

6. Select Next.

7. To use an existing payment method, choose one from the drop-down list, then select Next. To add a new payment method, enter the information, then select Next.

8. Review the list of subscriptions or billing profiles that are about move to the new payment method, then select Next.

9. Review the final details for replacing your payment method, then select Replace payment method.

10. When you’re finished, you can select the link to Review payment methods, or select Close.

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 Billing, then select View payment methods.
   • If you're using the Dashboard view, go to the Billing > Bills & payments page, and select the Payment methods tab.

2. Select the payment method to delete.

3. In the edit pane, select Delete.

4. Review the payment method details, then select Next.

5. On the next page, select Delete, then select Close.

Delete a payment method with subscriptions or billing profiles attached

If a payment method is attached to any subscriptions or billing profiles, first replace it with an existing payment method or add a new one, then delete the old payment method.

1. Go to the admin center.

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

2. Select the payment method to delete.

3. In the edit pane, select Delete. The Delete a payment method pane lists existing subscriptions and billing profiles that use that payment method.

4. Select Next.

5. To use a different payment method already on file, select Use another payment method. To add a new payment method, select Add a payment method.

6. Select Next.

7. To use an existing payment method, choose one from the drop-down list, then select Next. To add a new payment method, enter the information, then select Next.

8. Review the subscriptions or billing profiles to move, then select Move subscriptions.

9. Review the details of the payment method you want to delete, select 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. 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)