Microsoft 365 Premium · Copilot
Get Microsoft Copilot with a virtual Visa card
Microsoft keeps rejecting your card for Copilot? Load a ScarabPay virtual card with USDT and add it to your Microsoft account to activate Microsoft 365 Premium with Copilot.
Where Copilot shows up after you subscribe
A Microsoft 365 plan with Copilot adds AI inside the apps you already use, not only in a chat window. Here is what changes for the account owner.
Word and PowerPoint
Draft, rewrite or summarise documents and turn notes into slides from the Copilot pane in the ribbon.
Excel and Outlook
Ask questions about a table in plain language, and get email threads summarised or replies drafted.
Owner vs. family members
On family plans, Office apps and storage are shared, but Microsoft may reserve the advanced Copilot features for the subscription owner.
Why your card gets declined on Copilot
Most failed Copilot purchases come from the way Microsoft accounts handle region and payment options. These are the usual causes.
We couldn't complete your purchaseYour bank stops the charge to Microsoft
Some local banks reject online payments to US companies unless international purchases are switched on, so the order never completes.
The ScarabPay virtual card is designed for international online payments in US dollars.
Billed by App Store / Google PlayYou started the upgrade in the mobile app
Buying Copilot inside the iPhone or Android app is handled by the App Store or Google Play, which may refuse your card or ask for a local payment method.
Buy from microsoft.com in a browser so the subscription is charged to your card directly.
Billing address doesn't match account regionRegion mismatch on your Microsoft account
Microsoft expects the billing address of a payment option to match the country set on your Microsoft account. A different country can block the card.
Enter a billing address in the same country as your Microsoft account, and the cardholder name from your ScarabPay account.
Microsoft website or mobile app?
At microsoft.com in a browser
- The subscription is charged to your ScarabPay card
- You manage renewal from Services & subscriptions on account.microsoft.com
- The same plan unlocks Copilot on Windows, Mac, iPhone and Android
Inside the Copilot or Microsoft 365 app
- The App Store or Google Play takes the payment, not your card directly
- The store account may reject the card or require a local method
- Changes and refunds are handled only through the store
How to pay for Copilot step by step
On ScarabPay- 1
Open your ScarabPay account
Register on the website or the Android app and finish identity verification.
- 2
Add USDT to your balance
Transfer USDT from any wallet or exchange to your ScarabPay balance.
- 3
Create and load the card
Create the reloadable virtual card and load the subscription amount plus a small buffer for local taxes.
On Copilot- 4
Add it to your Microsoft account
Go to account.microsoft.com, open Payment options and add the card details exactly as shown in ScarabPay.
- 5
Choose Microsoft 365 Premium
In a browser, open microsoft.com/microsoft-365, pick Premium, sign in with the same Microsoft account and select the saved card at checkout.
- 6
Use Copilot in your apps
After payment, Copilot appears in Word, Excel, PowerPoint and Outlook when you sign in with that account on any device.
Which ScarabPay card should you use?
Microsoft 365 renews automatically each month or year from the saved payment option. The reloadable virtual card stays on your Microsoft account, and you top it up before the renewal date.
Lite is meant for one purchase only. The first payment could go through, but Microsoft could not charge it again at renewal and Copilot would stop.
Frequently asked questions
Is Copilot Pro still available?
Microsoft now offers Copilot features for individuals through Microsoft 365 plans such as Premium. The plans available to you are listed on microsoft.com when you sign in.
Where do I see or change my Copilot subscription?
Sign in at account.microsoft.com and open Services & subscriptions. From there you can change the payment option or turn off recurring billing.
Can family members use Copilot on my plan?
Microsoft decides which Copilot features are shared on family plans. Check the plan details on microsoft.com before you buy.
Why does Microsoft ask for a billing address?
Microsoft uses the billing address to confirm your region and apply local taxes. Use an address in the same country as your Microsoft account.
I subscribed through the App Store. Can I move to my card?
Cancel the subscription in your App Store or Google Play settings, wait for the paid period to end, then subscribe again on microsoft.com with your virtual card.
Pay for other services too
ChatGPTGet ChatGPT Plus with a virtual Visa card
ClaudeSubscribe to Claude Pro with a virtual card
GeminiUnlock Gemini with Google AI Pro using a virtual cardReady to subscribe to Copilot?
Create your account, top up with USDT and get your virtual card in minutes.
Microsoft, Microsoft 365 and Copilot are trademarks of Microsoft Corporation. ScarabPay is not affiliated with or endorsed by Microsoft. Plans and features depend on your region; the final price is shown at checkout. Visa is a registered trademark of Visa International Service Association. Mastercard is a registered trademark of Mastercard International Incorporated. Apple Pay, Google Pay, Samsung Pay and all other brand names belong to their respective owners and are shown only to describe where cards can be used; they do not imply endorsement. Card availability, fees and limits are shown in your account and may change.