You can change how you pay for a Microsoft subscription with recurring billing any time unless your payment is past due.
- Sign in to your Services and subscriptions with your Microsoft account. If you have more than one Microsoft account, make sure you're signing in with the one that applies to the subscription you want to change. If you're updating your child's subscription, make sure you sign in with their account, not yours.
- Find the subscription in the list, then select Change how you pay.
- If you don't see Change how you pay, it could be because recurring billing is not turned on. You won't be able to change how you pay if recurring billing is off because the subscription has already been paid and will end when its duration expires.
- If you have a past-due balance, select Pay now. You'll have to pay that first before changing how you pay. Get info about paying for a past-due Microsoft subscription.
- Did you buy your Office 365 subscription through a third party? See Manage your Office 365 subscription purchased through a third party.
- Choose a new way to pay from the list or if you don't see your way to pay listed, select Add a new way to pay and follow the instructions.
- Check with your bank if you get an error message when trying to add a new way to pay,
- If you want to use a prepaid subscription code, turn off recurring billing on the old subscription. For more info, see Cancel or turn off recurring billing on a Microsoft subscription. When it expires, go to Redeem a gift card or code to your Microsoft account and follow the instructions.
For prepaid, you can't change how you pay because it's a prepaid subscription.
- However, you can update your payment info and buy a new subscription when your prepaid subscription expires. See Add, update, or remove credit cards and other ways to pay.
You can switch subscription plans for Xbox Live, Game Pass, and Office 365.
- To change your subscription recurrence (for example, from monthly to annually):
- Sign in to your Services & subscriptions with your Microsoft account.
- Find the subscription in the list.
- Select Manage > Change > Switch, then choose your new recurrence. If you don't see this option, make sure recurring billing is on.
- For Office 365, you can switch between any of the three Office 365 for home subscriptions (Office 365 Home, Personal, and University). Get more info in the Switch to a different Office 365 for home subscription article.
You can use your Xbox One to change how you pay for subscriptions.
- On your console, select System > Settings > Account > Subscriptions. You may be asked to sign in again to protect your account.
- Choose the subscription, then select Change how you pay. If your subscription is past due, select Pay now.
- Choose an existing payment option or select Add a new way to pay, then follow the instructions.