Buy the things you love with flexible payment options from Microsoft Store

Whether you're making one of life's bigger buys or shopping for something small, we'll help you find a plan that works for you.
Surface Headphones 2 beside two Surface laptops and an Xbox controller.

Choose PayPal Pay Later at checkout. Eligibility varies by state.

Choose Citizens Pay® at checkout to apply for a line of credit.^

Microsoft Surface

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Frequently asked questions

  • PayPal Pay Later options enable customers to buy now and pay later.

    Citizens Pay offers financing, a traditional form of credit. Financing with Citizens Pay allows you to spread the cost of your purchase over 12 or 18 months and requires a hard credit check at application for final approval, which may affect your credit.

  • Microsoft does not extend credit and does not determine credit terms or eligibility.
    Citizens Pay Line of Credit Account is offered by Citizens Bank, N.A., and serviced by Citizens Bank. Citizens Bank determines terms and qualifications for credit.
  • Recurring subscriptions, one time purchase prepaid subscriptions, gift cards, and pre-orders are excluded from PayPal Pay Later options and Citizens Pay Line of Credit financing. For pre-orders, please use a standard credit card to ensure that you are charged only when your order ships.
  • A Citizens Pay Line of Credit lets approved customers make purchases at Microsoft Store for a low monthly price and no upfront cost.^ A Citizens Pay Line of Credit offers you a fixed interest rate of 0% APR for up to 18 months.^ You will receive a statement each month. Citizens Pay recommends setting up automatic payments to ensure that your bill is paid on time. This payment method offers $0 down and no interest or fees when you pay on time.
  • Yes, you must have a minimum initial purchase of $900 of qualifying products in your cart before taxes and shipping to apply for pre-approval. Only recurring subscriptions, gift cards, and pre-orders do not qualify.
  • You must have a minimum of $900 in qualifying products in your cart pre-tax and shipping before you are eligible to apply for qualification for a Citizens Pay Line of Credit. Once you have filled your cart with qualifying items totaling a minimum of $900 before taxes and shipping, go to checkout and sign into your Microsoft Account. Select ‘payment type’ and in the drop-down menu, choose ‘Citizen’s Pay.’ Fill out the form completely and then submit your application. If you are approved, you will be informed that you have a revolving line of credit available to use at checkout.
  • A Citizens Pay Line of Credit for Microsoft Store has no application fees and no interest or fees when you pay on time. However, late payments may be reported to the credit bureaus. For more information regarding fees assessed for late payment, please review Citizens Pay Line of Credit Terms & Conditions.
  • When you submit an application to Citizens Pay, Citizens Pay first checks eligibility using a soft credit check, which will not impact your credit report or score. If you qualify in the pre-approval process, at that time, Citizens Pay will do a hard credit check at application, which may impact your credit score.
  • Your credit report will be impacted after you are qualified in the pre-approval process.
  • For any questions about your Citizens Pay Line of Credit, please use this Citizens Pay online service or contact Citizens Pay representatives at 1-877-405-2344 during these hours: 8 am to 12 am Eastern Time Monday through Friday, and 9 am to 9 pm Saturday and Sunday.
  • Microsoft Store is here to answer your questions or address any concerns you may have about the products or services you purchase from us. Please contact us at 1-877-696-7786 to speak with our customer service team.
  • Apply for 0% APR financing on Surface for Business devices and accessories. Pay the way you want, spread your payments over 18, 24, 30, or 36 months. Learn more about 0% interest monthly payment options that bolster every budget here.
  • If you prefer to purchase as a business, learn more about Surface All Access for Business devices and accessories and apply here. Spread payments over 18, 24, 30 and 36 months at 0% APR financing.

Why buy from Microsoft Store

From free shipping and returns to expert assistance, we’re here to help you do more with best-in-class devices, software, games, and resources.

Free 2-3 day shipping

Enjoy free expedited shipping with any order. For lower carbon emissions than standard air freight, we also offer the option of ground shipping (3-7 business days) on eligible orders in the contiguous US.

60-day free returns

Return almost any physical product within 60 days in like-new condition in its original packaging for a full refund. Some exclusions apply.

Flexible payment options

Microsoft Store and partners are bringing you new ways to pay at checkout. They’re simple, safer options to get what you want when you want.

Our 60-day low-price promise

If you buy a physical product from Microsoft Store and we lower the price within 60 days, contact us and we’ll refund you the difference. Terms apply.

  • ^ With approval of Citizens Pay Line of Credit at 0% APR and 12- or 18-month term. Subject to individual credit approval. See the Citizens Pay Line of Credit Agreement for full terms and conditions. Citizens Pay Line of Credit Account offered by Citizens Bank, N.A.
  • Returns: Available with eligible physical products purchased from Microsoft Store in select markets. Return process must be started within 60 days after customer receives the product. Not available for purchases by reseller customers. Limited to 5 physical product returns total per eligible customer per purchase. Excludes Surface Hub, HoloLens, and Windows DevKit. Microsoft reserves the right to modify or discontinue offers at any time. Microsoft Store return policy applies. See applicable Microsoft Terms of Sale for more information.
  • Low Price Promise: Valid on consumer purchases of physical products made at Microsoft Store online in the United States (including Puerto Rico) and Canada and at the Microsoft Experience Center in New York, NY, for 60 days from the date the customer receives the product (“Offer period”). Excludes Surface Hub, HoloLens, and Windows DevKit. Business, commercial, and reseller customers not eligible. Customer is eligible for price adjustment only if the price of the purchased product is reduced during the Offer Period and in stock. For purchases made at Microsoft Store, contact customer service at 877-696-7786 with order number and any other information requested by a representative. For purchases made at the Microsoft Experience Center in New York, Customer must return to the Microsoft Experience Center with receipt. Price adjustment will be provided in same manner as purchase method. Limit 1 price adjustment per item. Price adjustments apply only to purchase price and do not include taxes, or shipping or other fees. Microsoft reserves the right to modify or discontinue offers at any time.