Pay your invoice by using a wire transfer

By default, Microsoft accepts credit cards and debit cards as payment methods for the business products and services that you buy from us. In some cases, you can use a wire transfer to pay your invoice.

This article explains who can use a wire transfer, lists the eligibility requirements, and describes the application process. It also tells you how to switch your payment method after approval, and provides answers to frequently asked questions.

Just want to find out where to send your invoice payment? If you currently pay your invoice by wire transfer, see Where to send your wire transfer payment.

For information about how to pay your invoice with a credit or debit card, see Pay your invoice by using a credit or debit card.

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.

  Note

  Invoice managers can pay invoices but have limited profile management capabilities.

• 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 administrator roles in the Microsoft 365 admin center.

Overview of paying by wire transfer

If you're a new customer, paying by wire transfer isn't available as a payment method.

If you're an existing customer, and you meet the eligibility requirements, you can change a current subscription to use the wire transfer payment option. If you want to buy a new subscription and you meet the eligibility requirements, you might be approved to change your payment method to pay by wire transfer. For specific instructions about how to apply, see Application process to pay by wire transfer.

If your subscription or billing profile is paid with a wire transfer, at the end of each billing period, you get an email when your invoice is ready to view. This email doesn't contain a copy of your invoice. However, you can choose to receive your organization's invoices as email attachments. Your invoice includes details about your options for making a payment, and where to send it. If you enter a purchase order (PO) number when you buy a subscription, the number appears on your invoice. For information about accessing invoices, see View your invoice in the Microsoft 365 admin center.

If you have an MCA billing account type, and you have a billing profile that's paid by wire transfer, you can still use a credit card or debit card to make a one-time payment by using the Pay now button on your invoice.

Eligibility requirements to pay by wire transfer

To pay by wire transfer, you must meet the following eligibility requirements:

• Minimum six months of payment history with Microsoft. Nonconsecutive payments are allowed.
• No outstanding payments or cancellations, including the Microsoft 365 admin center or Azure Marketplace.
• Maintain a minimum spending amount in three of the last 12 months. This minimum amount varies by service location.
• Microsoft must offer wire transfer as a payment method in your country/region.
• Pass a credit check.

Application process to pay by wire transfer

When you begin the application process, we conduct a baseline verification. If the verification checks pass, we then conduct an automated credit check. If the credit check can’t be immediately completed, we conduct a manual review, which can take up to seven business days and Microsoft might request additional information to support their decision.

While paying by wire transfer is supported for both MCA and MOSA customers, the application process is slightly different for each type.

Application process for MCA customers

For MCA customers, a self-service, automated application process is available in the Microsoft 365 admin center.

To begin the application process, select the Request approval to pay by wire transfer button on the billing profile details page. For information about how to get to the billing profile details page, see View your billing profiles.

Application process for MOSA customers

For MOSA customers, you must contact support to help you with the application process. Review the eligibility requirements, then contact support to find out if you can pay by wire transfer, and to help you buy a new subscription using the wire transfer payment option.

Where to send your wire transfer payment

Check your invoice for payment instructions for your country/region. If you're not sure how much you owe, you can check your invoice and billing history in the Microsoft 365 admin center, on the Bills & payments page, on the Invoices tab.

To find payment instructions for your country/region, use the following list. These bank details apply to all MCA and MOSA wire transfer payments.

Wire transfer payment processing time

Payments made by wire transfer have processing times that vary, depending on the type of transfer:

• Domestic: Four business days. Two days to arrive, plus two days to post.
• International: Seven business days. Five days to arrive, plus two days to post.

Change a subscription or billing profile to wire transfer after approval

If you have an MCA billing account, after you’re approved to pay by wire transfer, use the following steps to pay by wire transfer:

1. Verify or add a payment method on the Billing > Billing account page on the Billing profiles tab.
2. If necessary, replace the payment method for a billing profile. Use the steps in Replace a payment method and select the wire transfer payment option then select Replace.

Steps to take if your request is declined

Declines commonly happen because of one or more of the following reasons:

• The billing account age is below the required threshold. For example, the account is less than six months old.
• Outstanding balances exist on the billing account.

If your request to pay by wire transfer is declined, you can take the following steps:

1. Carefully review the eligibility requirements.
2. Resolve any outstanding balances on your billing account or use an alternate payment method like a credit or debit card.
3. Return to the billing profile details page and select the Request approval to pay by wire transfer link to start the application process again.

FAQs

What does a "Pending" status mean for wire transfer payment approval?

The "Pending" status typically means the request is under review. Credit checks are completed within three to seven business days. The following list contains common reasons for a pending status:

• A credit check is pending or in progress.
• The billing or finance team requires an internal approval.
• We're waiting for documentation or contact information from the customer.

Things you can do while your status is pending:

• Monitor email for requests from support or the credit team and respond promptly.
• If the pending status lasts more than seven business days, open a support ticket or follow up on the existing one.

How long does the whole process take?

The following table describes each step and the typical duration each step takes.

Can I change from paying by wire transfer to using a different payment method?

If you have an MCA billing account type, and your billing profile uses the wire transfer payment option, you can't change the payment method. You can use the Pay now button on your online invoice to make a one-time payment with a credit card or debit card.

If you have an MOSA billing account type, you can't automatically change from paying by wire transfer to paying with a different payment method. Instead, you must buy a different subscription paid for with a credit card or debit card, move all users to a different subscription, and then Cancel your subscription in the Microsoft 365 admin center.

Related content

Pay your Microsoft business invoice by using a credit or debit card (article)
Manage payment methods for Microsoft business accounts (article)
View your invoice in the Microsoft 365 admin center (article)