Due to industry-wide card production delays, there are longer than normal wait times for mailed debit/credit cards. New debit cards can be instantly issued in our branches. We apologize for any inconvenience as we work to ensure the issue is permanently resolved.

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What if I need to return an item I purchased using Microsoft Pay?

Frequently Asked Question

The return process will vary by merchant. You may need to present a receipt from the merchant to return the item. To complete the return, hold your Windows phone over the contactless terminal and wait for a confirmation message on the payment terminal to let you know the return has been processed. You must use the same Windows phone you used to purchase the item to process the return.