I need to know why I am paying Microsoft

A $9.99 monthly Microsoft charge is commonly a Microsoft 365 Personal subscription with recurring billing enabled. It can also happen if a trial converted to a paid plan, desktop Office apps are being used, or there is more than one Microsoft subscription or account.

To identify the exact charge:

1. Go to Services & subscriptions and sign in: https://account.microsoft.com/services
2. Check for any active subscription billed at $9.99/month, especially Microsoft 365 Personal.
3. Review recent purchases in Order history: https://go.microsoft.com/fwlink/?linkid=2239111
4. If the charge is not obvious, go to Manage your payments and select Investigate: https://go.microsoft.com/fwlink/?linkid=2246882
5. If only one Microsoft account shows no matching charge, check any other Microsoft accounts or family member accounts that may use the same card.

Common reasons for an unexpected Microsoft charge include:

• A subscription has recurring billing turned on
• Another person, such as a family member, used the same card
• A previously declined payment was retried successfully
• An in-app purchase was made
• There are multiple Microsoft accounts using the same payment method

If the payment method may be compromised, contact the bank or payment provider to prevent more charges. If more help is needed, use Contact Support: https://go.microsoft.com/fwlink/?linkid=2258619

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