Microsoft 365 features that help users manage their subscriptions, account settings, and billing information.
"Dear Microsoft friends from Indonesia
Please help, I will subscribe / buy OFFICE 365 Personal products. But the payment method requires having to use a credit card. Are there other ways besides these methods? for example Bank Transfer or is there a 3rd party who is an official agent from Microsoft?
Thank you for the help"
I don't know but others may be able to assist you: But in meantime see: https://support.office.com/en-gb/article/manage-payment-and-billing-for-office-365-a898e0bc-c4dd-4d24-b9bb-f9e1b9b35a54?ui=en-US&rs=en-GB&ad=GB
PS: you may be able to use PayPal!! https://support.microsoft.com/en-gb/help/4026594/microsoft-account-change-payment-method-or-credit-card
Just checked and found "Payment methods - Credit and debit cards, PayPal, bank account, etc." It may depend on whether you want to pay monthly or pay for a years subscription!