billing to a card you did not have

Question

three charges to a card yhou did not have as it is a new one. waht are the charges for and who made them?

Answer 1

See https://support.microsoft.com/en-us/account-billing/how-to-investigate-a-billing-charge-from-microsoft-398c5328-364c-d5e4-ea8f-f5ad60562a93 .

Answer 2

Hi, Roy Billington

This usually points to one of three things: recurring billing on a Microsoft service, a purchase made from another Microsoft account or family member, or a card that was compromised. Microsoft also has an investigation flow that can help identify the product and the Microsoft account tied to the charge.

Here are some suggestions you can try:

Sign in to your Microsoft order history and Services & subscriptions page, and check every Microsoft account you or your family may use. Sometimes the charge is on a different account even when your main account looks clean.

Go to Manage your payments and select Investigate. That can show the product name, whether it was a one-time or recurring charge, and which Microsoft account used the card.

If nothing matches, contact Microsoft support and also call your bank/card issuer right away to dispute the charge and block future payments. It is also suggested that a replacement card can still be billed if the bank auto-updated a recurring merchant.

Thank you for your patience in reading, I hope this information has been helpful to you. 

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Answer 3

Use the Microsoft account tools to identify what the charges are for and which account used the card.

1. Go to the Manage your payments page of the Microsoft account dashboard and select Investigate next to the card/charge in question. This tool helps identify:
   • Which Microsoft account used that card
   • Whether the charge is for a subscription with recurring billing
   • Whether a family member or someone else with access to the card made a purchase
2. Review the most common causes of unexpected Microsoft charges:
   • An active Microsoft subscription with recurring billing enabled
   • Purchases made by a family member using the same card
   • A previously declined charge that was retried and then succeeded
   • A pre-order or split order that has just shipped
   • In‑app purchases from apps or games (for example, some game purchases may appear as MICROSOFT*CANDY CRUSH)
3. If the charges still are not recognized after using Investigate, contact the card issuer (bank/credit card provider) to:
   • Report the charges as unrecognized or potentially fraudulent
   • Ask who the merchant of record is (Microsoft) and the transaction details
   • Dispute the transactions and request a new card if needed

If the card information was stored in Microsoft Edge as a virtual card, questions about specific charges or disputes still go through the credit card issuer, just as with a regular card.

If there is concern that the Microsoft account or card has been compromised, immediately:

• Review all recent Microsoft orders in the account order history
• Change the Microsoft account password and enable two‑step verification
• Work with the bank to block or replace the card and dispute unauthorized transactions.

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References:

• How to investigate a billing charge from Microsoft
• Use virtual card numbers to pay online
• I've been charged twice
• What to do if your credit or debit card info is stolen