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Multiple ways to pay at 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.
A Surface Pro 9, Surface Headphones 2, and an X box Series X with included controller.
Paypal Logo

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

Citizens pay Logo

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

We offer free shipping, free returns, and cash for eligible used devices, as well as multiple ways to pay. Plus, if we lower our price on a physical product within 60 days from delivery, we’ll honor a one-time price adjustment.​
  • Flexible payments: 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.​
  • Price protection: Microsoft Store Price Adjustment: Valid on purchases of qualifying new or refurbished consumer and commercial physical products made at Microsoft Store and Microsoft Experience Centers in select markets for 60 days from the date product is received. Eligible Retailer Price AdjustmentValid on purchases of qualifying new consumer physical products from Microsoft Store and Microsoft Experience Centers in select markets for 60 days from the date product is received. Excludes commercial and refurbished products. An Eligible Retailer Price Adjustment cannot be requested at time of purchase. Microsoft reserves the right to verify an eligible retailer’s advertised price and availability of the product. The product sold by the eligible retailer must be identical to the product sold by Microsoft and must be in stock for purchase at the eligible retailer at the reduced price. Exclusions apply. Both price adjustments: Price Adjustment must be requested within 60 days after the customer receives the product and cannot be completed at time of purchase. Customer is eligible only if the product is in stock for purchase at Microsoft Store or a Microsoft Experience Center. Customer must contact Microsoft to request the adjustment. For purchases from Microsoft Store, contact Microsoft Store Sales and Support with your Microsoft Account information and any other information requested by a representative. For purchases from a Microsoft Experience Center, you must return to the location with your receipt. Limit 1 price adjustment total per product. Excludes Surface Hub, HoloLens, and Windows DevKit. See Microsoft Store Price Protection for full terms and full list of eligible retailers.
  • Returns: Available with eligible physical products purchased from Microsoft Store online and Microsoft Experience Centers in select markets. Return process must be started within 60 days after customer receives the product. Limit 5 product returns per eligible customer purchase. Excludes Surface Hub, HoloLens, and Windows DevKit. Applicable return policy applies. For purchases made at Microsoft Store, see applicable Microsoft Terms of Sale for more information. For purchases made at a Microsoft Experience Center, see receipt for more information. Microsoft reserves the right to modify or discontinue offers at any time.​
  • Trade-in: Available only through the Microsoft Store online in the United States (including Puerto Rico). Offer valid for reimbursements after trade in of qualifying devices (PC, laptop, mobile phone, tablet, video game console). Recycled devices are not eligible for cash back. To be eligible for trade in, you must own the qualifying device, device must power on, battery must hold charge and not be required to be plugged in to operate, and be in fully functional, working condition without broken/missing components, cracked display/housing, liquid damage, modification(s) or have device warranty seal broken. Device cannot be password protected, and must include original chargers/accessories, and must contain hard drive. Customer must mail in the qualifying trade-in device to be eligible for the reimbursements. All trade-ins are final. Cannot be transferred or otherwise redeemed for cash or gift cards, or credit towards other devices or products. May not be combined with other offers. Microsoft reserves the right to modify or discontinue offers at any time. Other exclusions and limits may apply.​
  • ​Microsoft reserves the right to modify or discontinue offers at any time.