What is a "Payments Profile" in Microsoft Ads?

A Payments Profile in Microsoft Ads is a centralized billing and payment system that stores your payment details, billing information, and transaction history. It helps businesses manage their finances efficiently across multiple Microsoft services.

Key Features of a Payments Profile:
Centralized Payment Management:

Stores your billing details, payment methods, and invoices in one place.
Can be used across multiple Microsoft services, not just Microsoft Ads.
Payment Methods:

Supports credit/debit cards, PayPal, bank transfers, and other region-specific payment options.
Allows you to set a primary and backup payment method.
Billing Ownership & Permissions:

Defines who owns and manages the billing account.
You can grant different permission levels for users.
Invoice & Transaction History:

Provides access to past invoices and payment records.
Helps businesses track ad spend across different campaigns.
Region-Specific Profiles:

If your business operates in multiple countries, you might need separate Payment Profiles for different currencies.
How Does a Payments Profile Work in Microsoft Ads?
When you create a Microsoft Ads account, a Payments Profile is automatically generated.
You can add, edit, or remove payment methods within the profile.
The profile is tied to your business entity, and changes affect all associated billing accounts.
Important Notes:
A Payments Profile cannot be merged with another one.
You cannot change the country/region of a profile once it's created.
If you need a different currency, you must create a new billing account with a new Payments Profile.

A Payments Profile in Microsoft Ads is your billing and payment management system that stores all your payment-related information. It controls how you are billed, what payment methods you use, and your invoice details.

🔹 Key Features of a Payments Profile
✅ Manages Your Billing Information

Stores your business name, tax details, and billing address.
Helps Microsoft generate accurate invoices for tax and financial tracking.
✅ Controls Your Payment Methods

Allows you to add, remove, and update credit cards, PayPal, bank accounts, and prepay balances.
Lets you set a primary payment method for automatic billing.
✅ Determines Your Payment Type (Postpay or Prepay)

Postpay (Automatic Payments) – Microsoft charges your card after ad spending reaches a billing threshold.
Prepay (Manual Payments) – You add funds in advance, and ads run until the balance runs out.
✅ Stores Your Billing & Transaction History

Access past invoices and receipts for accounting and tax purposes.
Track all payments made and upcoming charges.
✅ Allows Multiple Users & Admins

Businesses can assign billing access to multiple team members.
🔹 Where to Find Your Payments Profile in Microsoft Ads?
1️⃣ Log in to Microsoft Ads
2️⃣ Click on the gear icon ⚙ (Settings) in the top-right corner.
3️⃣ Select Billing & Payments.
4️⃣ Click on Payments Profile to manage your details.

🔹 Can You Have Multiple Payments Profiles?
🚀 Yes! If you run multiple businesses or ad accounts, you can create separate payment profiles for each one.

Each Payments Profile has its own billing settings and payment methods.
This is useful for agencies, franchises, or businesses with separate budgets.
💡 Pro Tip: If you need different tax details or invoice addresses for each business, use multiple payments profiles.

🎯 Final Thoughts
✔ Your Payments Profile manages billing, payment methods, and invoices in Microsoft Ads.
✔ You can choose postpay (automatic) or prepay (manual) billing.
✔ Multiple payment profiles help agencies or businesses with separate financial accounts.