Merge pull request #218471 from bandersmsft/payment-updates-11152022

MCM - Payment articles update

Author: Court72

articles/cost-management-billing/.openpublishing.redirection.cost-management-billing.json

@@ -1080,6 +1080,11 @@
             "redirect_url": "/azure/cost-management-billing/automate/migrate-ea-reporting-arm-apis-overview",
             "redirect_document_id": false
         },
+        {
+            "source_path_from_root": "/articles/cost-management-billing/manage/delete-azure-payment-method.md",
+            "redirect_url": "/azure/cost-management-billing/manage/change-credit-card",
+            "redirect_document_id": false
+        },
         {
             "source_path_from_root": "/articles/cost-management/use-reports.md",
             "redirect_url": "/azure/cost-management-billing/cloudyn/use-reports",

articles/cost-management-billing/manage/change-credit-card.md

@@ -1,27 +1,25 @@
 ---
-title:  Change your credit card for Azure
-description: Describes how to change the credit card used to pay for an Azure subscription.
+title:  Add, update, or delete a payment method
+description: This article describes how to add, update, or delete a payment method used to pay for an Azure subscription.
 author: bandersmsft
 ms.reviewer: lishepar
 tags: billing
 ms.service: cost-management-billing
 ms.subservice: billing
 ms.topic: how-to
-ms.date: 09/20/2022
+ms.date: 11/15/2022
 ms.author: banders
 ---
 
-# Add or update a credit card
+# Add, update, or delete a payment method
 
 This document applies to customers who signed up for Azure online with a credit card.
 
-In the Azure portal, you can change your default payment method to a new credit card and update your credit card details. 
+In the Azure portal, you can change your default payment method to a new credit card and update your credit card details. You can also delete a payment method used to pay for an Azure subscription.
 
 - For a Microsoft Online Service Program (pay-as-you-go) account, you must be an [Account Administrator](add-change-subscription-administrator.md#whoisaa). 
 - For a Microsoft Customer Agreement, you must have the correct [MCA permissions](understand-mca-roles.md) to make these changes.
 
-If you want to a delete credit card, see [Delete an Azure billing payment method](delete-azure-payment-method.md). 
-
 The supported payment methods for Microsoft Azure are credit cards, debit cards, and check wire transfer. To get approved to pay by check wire transfer, see [Pay for your Azure subscription by check or wire transfer](pay-by-invoice.md).
 
 >[!NOTE]
@@ -135,6 +133,86 @@ To edit a credit card, follow these steps:
     :::image type="content" source="./media/change-credit-card/edit-delete-credit-card-mca.png" alt-text="Screenshot showing the ellipsis." lightbox="./media/change-credit-card/edit-delete-credit-card-mca.png" :::
 1. To edit your credit card details, select **Edit** from the context menu.
 
+## Delete an Azure billing payment method
+
+The following information helps you delete a payment method, like a credit card, from different types of Azure subscriptions. You can delete a payment method for:
+
+- Microsoft Customer Agreement (MCA)
+- Microsoft Online Services Program (MOSP) also referred to as pay-as-you-go
+
+Whatever your Azure subscription type, you must cancel it so that you can delete its associated payment method.
+
+Removing a payment method for other Azure subscription types like Microsoft Partner Agreement and Enterprise Agreement isn't supported.
+
+### Delete an MCA payment method
+
+Only the user who created the Microsoft Customer Agreement account can delete a payment method.
+
+To delete a payment method for a Microsoft Customer Agreement, do the following steps.
+
+1. Sign in to the Azure portal at https://portal.azure.com/.
+1. Navigate to **Cost Management + Billing**.
+1. If necessary, select a billing scope.
+1. In the left menu list under **Billing**, select **Billing profiles**.  
+    :::image type="content" source="./media/change-credit-card/billing-profiles.png" alt-text="Example screenshot showing Billing profiles in the Azure portal." lightbox="./media/change-credit-card/billing-profiles.png" :::
+1. In the list of billing profiles, select the one where the payment method is being used.  
+    :::image type="content" source="./media/change-credit-card/select-billing-profile.png" alt-text="Example screenshot showing the list of billing profiles." :::
+1. In the left menu list, under **Settings**, select **Payment methods**.
+1. On the payment methods page for your billing profile, a table of payment methods is shown under the **Your credit cards** section. Find the credit card that you want to delete, select the ellipsis (**…**), and then select **Delete**.  
+    :::image type="content" source="./media/change-credit-card/delete-credit-card.png" alt-text="Example screenshot showing where to delete a credit card." :::
+1. The Delete a payment method page appears. Azure checks if the payment method is in use.
+    - When the payment method isn't being used, the **Delete** option is enabled. Select it to delete the credit card information.
+    - If the payment method is being used, it must be replaced or detached. Continue reading the following sections. They explain how to **detach** the payment method that's in use by your subscription.
+
+### Detach payment method used by an MCA billing profile
+
+If your payment method is being used by an MCA billing profile, you'll see a message similar to the following example.
+
+:::image type="content" source="./media/change-credit-card/payment-method-in-use-microsoft-customer-agreement.png" alt-text="Example screenshot showing that a payment method is in use by a Microsoft Customer Agreement." :::
+
+To detach a payment method, a list of conditions must be met. If any conditions aren't met, instructions appear explaining how to meet the condition. A link also appears that takes you to the location where you can resolve the condition.
+
+When all the conditions are all satisfied, you can detach the payment method from the billing profile.
+
+> [!NOTE]
+> When the default payment method is detached, the billing profile is put into an _inactive_ state. Anything deleted in this process will not be able to be recovered. After a billing profile is set to inactive, you must sign up for a new Azure subscription to create new resources.
+
+#### To detach a payment method
+
+1. In the Delete a payment method area, select the **Detach the current payment method** link.
+1. If all conditions are met, select **Detach**. Otherwise, continue to the next step.
+1. If Detach is unavailable, a list of conditions is shown. Take the actions listed. Select the link shown in the Detach the default payment method area. Here's an example of a corrective action that explains the actions you need to take.  
+    :::image type="content" source="./media/change-credit-card/azure-subscriptions.png" alt-text="Example screenshot showing a corrective action needed to detach a payment method for MCA." :::
+1. When you select the corrective action link, you're redirected to the Azure page where you take action. Take whatever correction action is needed.
+1. If necessary, complete all other corrective actions.
+1. Navigate back to **Cost Management + Billing** > **Billing profiles** > **Payment methods**. Select **Detach**. At the bottom of the Detach the default payment method page, select **Detach**.
+
+> [!NOTE]
+> - After you cancel a subscription, it can take up to 90 days for the subscription to be deleted.
+> - You can only delete a payment method after all previous charges for a billing profile are settled. If you are in an active billing period, you must wait until the end of the billing period to delete your payment method. **Ensure all other detach conditions are met while waiting for your billing period to end**.
+
+### Delete a pay-as-you-go (MOSP) payment method
+
+You must be an account administrator to delete a payment method.
+
+If your payment method is in use by a subscription, do the following steps.
+
+1. Sign in to the Azure portal at https://portal.azure.com/.
+1. Navigate to **Cost Management + Billing**.
+1. If necessary, select a billing scope.
+1. In the left menu list under **Billing**, select **Payment methods**.
+1. In the Payment methods area, on the row that the payment method is on, select the ellipsis (**...**) symbol and then select **Delete**.
+    :::image type="content" source="./media/change-credit-card/delete-mosp-payment-method.png" alt-text="Example screenshot showing a corrective action needed to detach a payment method for MOSP." :::
+1. In the Delete a payment method area, select **Delete** if all conditions are met. If Delete is unavailable, continue to the next step.
+1. A list of conditions is shown. Take the actions listed. Select the link shown in the Delete a payment method area.  
+    :::image type="content" source="./media/change-credit-card/payment-method-in-use-mosp.png" alt-text="Example screenshot showing that a payment method is in use by a pay-as-you-go subscription." :::
+1. When you select the corrective action link, you're redirected to the Azure page where you take action. Take whatever correction action is needed.
+1. If necessary, complete all other corrective actions.
+1. Navigate back to **Cost Management + Billing** > **Billing profiles** > **Payment methods** and delete the payment method.
+
+> [!NOTE]
+> After you cancel a subscription, it can take up to 90 days for the subscription to be deleted.
+
 ## Troubleshooting
 
 Azure doesn't support virtual or prepaid cards. If you're getting errors when adding or updating a valid credit card, try opening your browser in private mode.
@@ -176,4 +254,3 @@ If you have questions or need help,  [create a support request](https://go.micro
 ## Next steps
 
 - Learn about [Azure reservations](../reservations/save-compute-costs-reservations.md) to see if they can save you money.
-- If you want to a delete credit card, see [Delete an Azure billing payment method](delete-azure-payment-method.md).