Pay your Microsoft business invoice by using a credit or debit card

Check out all of our small business content on Small business help & learning.

Microsoft accepts credit cards and debit cards as payment methods for the business products and services that you buy from us. How these payment methods are applied depends on the type of billing account that you have with us. For example, if you have a Microsoft Customer Agreement (MCA) billing account, you pay your invoice with a billing profile backed with a credit card or debit card. If you have a Microsoft Online Subscription Agreement (MOSA), you pay your invoice directly with a credit or debit card.

This article discusses paying your invoice with a credit or debit card. In some cases, you can use a wire transfer to pay your invoice. For information, see Pay your Microsoft business invoice by wire transfer | Microsoft Learn.

You can manage payment methods whenever you need to. To learn how to add, change, or replace a payment method, see Manage payment methods for Microsoft business accounts.

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, a Billing profile owner or contributor, or an Invoice manager to do the tasks in this article. For 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 in the Microsoft 365 admin center.

Paying with a credit or debit card, or billing profile

If you have an MOSA billing account type, you can pay for your subscription with a credit or debit card. If you have an MCA billing account type, you can use a credit or debit card to back the billing profile that pays for your subscriptions. We use the associated billing profile to pay for all subscriptions that use that billing profile.

By default, recurring billing is automatically turned on for all paid subscriptions and billing profiles. Each billing period, we automatically charge the payment method on file to pay for your subscription. We continue to charge that payment method until the payment method expires or the subscription is disabled.

If recurring billing is turned off for a subscription paid for directly by a credit or debit card, we continue to charge the payment method on file until the end of the subscription term. Microsoft might use information provided by the issuing bank or payment network for your payment method to ensure connected payment method information remains current.

If recurring billing is turned off for a subscription that is paid for by a billing profile, you can use the Pay now button on the invoice summary in the admin center to pay for it every billing period, regardless of what payment method is linked with the billing profile.

Pay now and partial payments

If you have an MCA billing account type, partial payment is available in the Microsoft 365 admin center for customers who experience a payment failure during the one-time payment Pay now flow. If you accrue usage higher than your credit card limit, you can use the following self-serve process to split the invoice amount across multiple credit cards.

A minimum payment has a minimum value that you can pay, and varies by country/region.

1. Go to the Microsoft 365 admin center.

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

2. If any of your eligible invoices are due or past due, you see a blue Pay now link for the invoice. Select Pay now.

3. In the Pay now window, select Select a payment method to choose an existing credit card or add a new one.

4. Select Pay now.

5. If the payment fails, the partial payment feature appears in the Pay now section. There's a minimum partial payment amount. You must enter an amount greater than the minimum.

6. Select the Select a payment method option to choose an existing credit card or add a new one.

7. Select Pay now.

8. Repeat steps 6 and 7 until you fully pay the invoice amount.

Paying by Boleto Bancario in Brazil

Customers who live in Brazil and have an MOSA billing account type can pay for a subscription with a Boleto Bancario. If you select this option, the billet for payment is sent to the email provided when you bought your subscription 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.

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 retry the transaction every few days, up to the point of sending the unpaid debt to collections. Every time a transaction fails, you receive an email alert about the failure.

If you have an MCA billing account type, and your payment method is declined, you can use the Pay now button on the invoice summary in the Microsoft 365 admin center to make a one-time payment.

If you have an MOSA billing account type, and you personally added the payment method that has a past due amount, you can use Pay your 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. Use the following steps to pay an outstanding balance in the admin center.

1. Go to the Microsoft 365 admin center.
   • If you're using the Simplified view, select Subscriptions, then select View invoices.
   • If you're using the Dashboard view, go to the Billing > Bills & payments page.
2. Select an invoice to view the details.
3. A warning message says which payment method was declined. Select Pay your balance.
4. In the Pay your balance pane, select Next.
5. Choose whether to try again with the same payment method, use another payment method, or add a new payment method. Select Next.
6. Follow the steps for the option you selected in the previous step, then select Review and pay balance.
7. After you update the payment method information, select Save.

Directives from the Reserve Bank of India

Currently, some credit card transactions, especially transactions exceeding 15,000 INR, are blocked due to a directive by the Reserve Bank of India. This might affect automatic payments, which means that you might have to make payments manually in the Microsoft 365 admin center. This directive doesn't affect usage charges.

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

As of September 30, 2022, Microsoft and other online merchants no longer store credit card information. Microsoft removed all stored card details from the admin center.

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

UPI and NetBanking payment options

The admin center supports two alternate payment options for customers in India who have an MOSA billing account type:

• UPI (Unified Payments Interface) payment is a real-time payment method.
• NetBanking (Internet Banking) provides customers with access to banking services on an online platform.

How do I make a payment with UPI or NetBanking?

1. If you're a returning customer, when you make a payment, select UPI / NetBanking from the Payment method drop-down list, then select Make payment.

2. You're redirected to the payment partner, BillDesk, where you choose UPI or NetBanking for your payment method.

3. Follow the instructions in BillDesk to complete the transaction.

   After you submit the payment, allow time for the payment to appear in the admin center.

How am I refunded if I made a payment with UPI or NetBanking?

Refunds are treated as a regular charge and are refunded to your bank account.

Related content

Pay your invoice by using a wire transfer (article)
Manage payment methods for Microsoft business accounts (article)
Manage recurring billing in the Microsoft 365 admin center (article)
View your invoice in the Microsoft 365 admin center (article)
Understand your invoice for your Microsoft MCA billing account (article)
Understand your invoice for your Microsoft MOSA billing account (article)