How do I stop Microsoft from charging my card?

Microsoft is a product of American multinational technology corporation that produces computer, software, and personal computer etc. This company is actively involved in technological industry, and they constantly make upgrades in their products.

This corporations’ goal is to empower every person and every organization on the planet to achieve more. Hence, their target customer is not only home-based users but also bigger organizations like offices.

Most Microsoft products are premium based and involves monthly or annual transactions. The payment methods to subscribe or upgrade Microsoft products has evolved over the time for hazel free and time saving methods.

Microsoft provides credit card, debit card, bank account, PayPal account options to their users to make payments for the products and services. There is an additional new payment method included which is through mobile phone.

As payments methods becomes easier it also comes with a risk of making errors and causing extra charges. Due to that some users prefer making manual payments rather than auto debit/credit or similar options. 

Here’s how you can stop Microsoft from charging your card.

Cancel or Upgrade Microsoft Account

Cancel or Upgrade Microsoft Account

1. Go to “Services & subscriptions” and sign in with the Microsoft account you used to purchase your subscription.
2. Find your subscription and select Manage.
3. In the following page, select “Cancel or Upgrade”, depending on your current subscription type.
4. Follow the instructions on the page to proceed with cancellation of the Microsoft account.

Turn Recurring billing off for Microsoft 365 

1. Open the “Services & subscriptions” page. 
2. Sign in with the Microsoft account associated with your Microsoft 365 subscription.
3. On the Services & subscriptions page, locate your Microsoft 365 subscription and then click “Manage”.
4. Then, if you see “Turn off recurring billing link, choose the link to turn of the recurring billing.

Commonly asked Questions

Questions: How can I change Microsoft subscription payment method?

Answers: To change the payment method sign in to Microsoft account. Then go to the subscription list and select “Manage” followed by the” Change how you can pay” option. If you don’t see the option, then recurring billing isn’t turned on. Once that is turned off, proceed to select the “Add a new way to pay” option and select the new payment method from the list.

Questions: Does Microsoft charge you for free trial?

Answers: The free trial is only free for 30 days, if the subscription is not cancelled the Microsoft will start charging for the following month.

Questions: Microsoft Subscriptions are billed monthly or annually?

Answers: Microsoft gives both the options to the users to either be billed monthly or annually. Check out this page to know how you can Change your Microsoft subscription payment method and options


Users are advised to frequently check their Microsoft subscription and purchase transactions to avoid errors to happen especially if they are using auto debit payment method. Apart from that users can also turn off “I want to buy without a password, for faster checkout” option to avoid unauthorized purchases.

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