payment issues

For a personal Microsoft 365 subscription, sign in to Services & subscriptions, select Manage beside Microsoft 365, and choose Change how you pay to add and assign the new credit card.[^1^](https://support.microsoft.com/accounts-billing/subscriptions/[Subscription ID] "Change your Microsoft subscription payment method and options | Microsoft Support")

Personal or Family subscription

1. Open Services & subscriptions.
2. Sign in with the Microsoft account that owns the Microsoft 365 subscription.
3. Find Microsoft 365 and select Manage.
4. Select Change how you pay.
5. Select the new card, or choose Add a new way to pay and enter its details.
6. Confirm that the new card is selected for the subscription.

If only the existing card’s expiration date, billing address, name, or CVV changed, open Payment options, select View or edit card, update the information, and select Save.^2^

If the expected option is missing

• Past-due subscription: Select Pay now, update or add the payment method, select Next, and complete the outstanding payment.[^3^](https://support.microsoft.com/accounts-billing/subscriptions/[Subscription ID] "Pay for a past-due Microsoft subscription")
• Recurring billing is off: Change how you pay is unavailable because the subscription is already paid through its expiration date.
• Prepaid subscription: Its payment method cannot be changed. Update the account’s payment information and use it when purchasing a new subscription after the prepaid term expires.
• Purchased through a third party: Manage the payment method through that retailer or provider rather than the Microsoft account page.[^1^](https://support.microsoft.com/accounts-billing/subscriptions/[Subscription ID] "Change your Microsoft subscription payment method and options | Microsoft Support")

Business subscription

For a Microsoft 365 business subscription:

1. Sign in to the Microsoft 365 admin center with an account that has billing permission.
2. Go to Billing → Payment methods.
3. Add or update the payment method and save the changes.

If Payment methods cannot be edited, ask the organization’s administrator for billing access.^2^

If Microsoft rejects the new card, verify that its billing information matches the card provider’s records and ask the bank whether it is blocking the transaction.[^1^](https://support.microsoft.com/accounts-billing/subscriptions/[Subscription ID] "Change your Microsoft subscription payment method and options | Microsoft Support")

References

1. [Change your Microsoft subscription payment method and options | Microsoft Support](https://support.microsoft.com/accounts-billing/subscriptions/[Subscription ID])
2. Work account
3. [Pay for a past-due Microsoft subscription | Microsoft Support](https://support.microsoft.com/accounts-billing/subscriptions/[Subscription ID])