Unknown Credit Card Charge

Massimo Biscuola 0 Reputation points
2026-09-14T20:39:28.93+00:00

I am being charged a monthly amount on my Credit Card that I do not recognise. My Microsoft Account dose not have a Credit Card uploaded thus the charge is very strange. I have tried to contact Microsoft NZ but all I get is a web link aka.ms/charge that does not give me the answer I am looking for. Can anybody help?

Microsoft 365 and Office | Subscription, account, billing | Other | Other
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  1. EmilyS726 266.9K Reputation points Independent Advisor
    2026-09-14T21:32:09.05+00:00

    Can you go to your account https://account.live.com Sign in and go to Services & Subscription, do you see anything that matches the charges? If not, click on Order history instead and anything?

    Micosoft lists some other scenarios you can explore: https://support.microsoft.com/en-us/account-billing/how-to-investigate-a-billing-charge-from-microsoft-398c5328-364c-d5e4-ea8f-f5ad60562a93

    If you find the charges on YOUR account but you don't recognize making those purchase, for your privacy and security, billing matter cannot be discussed here, nor does anyone helping here have access to such data. You will need to contact support to get it handled. On your computer, launch the Get Help app from the start menu, then type in "Billing" as the keyword. On the next page, you can click on "Contact support" button. Then fill out a few more details and you will be directed to the page where you will have the option to chat with a live support agent.

    If you cannot locate the charges on your Microsoft account at all, it's possible that your credit card has been compromised. This means unauthorized charges may have been made on someone else's Microsoft account using your credit card. In such a scenario, you should contact your credit card company to open a dispute case. Microsoft is unable to directly investigate issues related to someone else's account if you contact their Billing Support directly. However, once a dispute case is initiated by your credit card company, Microsoft can then respond specifically to those claims through the dispute process with the credit card company. This is the appropriate channel to resolve such issues, as it ensures proper verification and handling of the unauthorized charges.

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  2. AI answer

    2026-09-14T20:39:41.7866667+00:00

    Use this path to investigate the charge:

    1. Go to the Microsoft account Manage your payments page and select Investigate.
    2. Check whether the charge is caused by one of these common cases:
      • a subscription with recurring billing enabled
      • a purchase by a family member or someone else using the card
      • a previously declined charge being retried
      • a pre-order or split order being shipped
      • an in-app purchase
    3. Review order history for charges of the same amount or charges that appeared close together.
    4. If the charge does not appear in the Microsoft account order history, it may be tied to another Microsoft account using the same card.
    5. If the charge still cannot be identified, contact Microsoft Support through Contact Support.
    6. If there is any chance the card details were used without permission, contact the bank or card provider immediately and report the card as compromised. Disputing the charge alone does not prevent further fraudulent charges.

    If the issue is a cancelled subscription that is still billing, also check whether cancellation happened less than 2 days before the billing date, or whether the charge is on a different Microsoft account.

    References:

    AI-generated content may be incorrect. Read our transparency notes for more information.

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