how do I make a manual payment for my Microsoft 365 account

For a personal Microsoft 365 subscription, make the payment from Services & subscriptions:

1. Go to Services & subscriptions at https://account.microsoft.com/services and sign in with the Microsoft account that owns the subscription.
2. Find the Microsoft 365 subscription that shows past due.
3. Select Pay now.
4. Check the payment method shown there.
   • If the old card is still listed or expired, update it or add a new payment method.
   • Then select Next to submit the payment.

If recurring billing is on, another path is:

1. In Services & subscriptions, select Manage for the subscription.
2. Select Change how you pay.
3. Add a new way to pay if needed.
4. If the subscription is already past due, use Pay now instead.

Since the card was closed after the bank declined repeated charges, also verify the new payment method is fully updated and valid. If Microsoft 365 apps are showing an Account Notice or billing warning, check Payment options at https://account.microsoft.com/billing/payments and update any payment method that shows an error.

If the payment was already updated but the warning still appears, first confirm there is no remaining balance on Services & subscriptions. Payment status can take up to 24 hours to fully sync across services.

References:

• Pay for a past-due Microsoft subscription
• Change your Microsoft subscription payment method and options
• Office error "Account Notice: We've run into a problem with your Microsoft 365 subscription"
• Why am I still getting 'account problem' notices for Microsoft 365 after updating my credit card information and paying for my subscription? - Microsoft Q&A