Payments can fail for a number of reasons but typically the credit card company declines the payment.
Card has expired. If your card has expired, your credit card company might block payments until you update the expiration date. See Update your credit card expiration date.
Billing address has changed. If your billing address has changed, your credit card company might block payments until you update your billing address.
Card has reached the transaction limit. We might have tried to process a transaction after your card had reached its credit limit, or we might have charged your card more than your credit card company allows for a single transaction.
Card is blocked. If your card was reported as stolen or lost, or your credit card company suspects fraudulent activity, your card might be temporarily blocked.
Card requires that Microsoft Advertising be an approved merchant. If you have purchased additional theft protection services through your credit card company, those services might require you to confirm that Microsoft Advertising is an approved merchant.
Strong customer authentication is required. Your bank might require multi-factor authentication to help prevent online fraud and unauthorized access to your account. You can make a manual payment and authenticate your card.
If your payment has been declined, you will receive an email from us and a notification will be posted on the Billing tab showing “Payment declined” and the amount we tried to charge.
Once you update your declined card or add a new one, we will charge you for the balance due. Accounts hold will be lifted as soon as the payment is successfully processed. We will also replace your primary payment method if you choose a different form of payment or add a new one.
If you have contacted your bank and you're still having problems, please contact support.
After a payment is declined, we'll let you know via email that we couldn't process your payment. We'll also try to process the payment again in case there was a temporary system issue or the problem with your card has been resolved. Here's how that works:
If your account is put on hold, you’ll see a banner notification at the top of Microsoft Advertising with a link to help you resolve the issue:
For more information, see Why is my account on hold?