Recommended MPCard
This tutorial recommends using the Cloud Card or Boundless Card (VISA · BIN 45659910 / 49372410) to complete the subscription. Need Apple Pay? Use the Flash Card (VISA · virtual) instead.
Full card rules: Restricted Merchant & Transaction Policy.
⚡ Quick Summary (TL;DR)
Recommended card: Cloud Card (BIN 45659910 / 49372410) or Boundless Card
Estimated time: 10–15 minutes
Key prerequisites: Microsoft account + US billing address + Cloud Card
Card declined? Check: ① Balance ≥ $22 ② US billing address ③ Avoid rapid repeated retries
Last updated: 2026-07-22
📖 Overview
Microsoft 365 Premium is the official successor to Copilot Pro (discontinued Oct 2025). At $19.99/month or $199.99/year, it bundles the full Microsoft 365 desktop Office apps (Word, Excel, PowerPoint, Outlook), Copilot AI inside all apps, Designer, Teams, and up to 6 TB OneDrive storage for up to 6 users. This tutorial covers subscribing with an MPChat Cloud Card (VISA).
🔑 Prerequisites
A successful subscription hinges on three elements staying aligned: a valid Microsoft account, a stable US network environment, and a funded MPCard.
Microsoft account: Sign up free at account.microsoft.com. Use an existing email or create an Outlook/Hotmail address.
Network setup: A US IP is recommended on the first purchase to see USD pricing and avoid region-based restrictions.
Funding ready: Microsoft 365 Premium costs $19.99/month; stock ~$22 USDT to cover the charge + $1 pre-auth hold.
📝 Step-by-Step Subscription Guide
Phase 1 – Prepare the MPCard
Top up USDT
Path: MPChat App → Wallet → Deposit- Copy your dedicated USDT deposit address- Send USDT from an external wallet or exchange- Wait for network confirmation (usually 5–15 minutes)
Issue a Cloud Card (VISA)
Path: MPChat App → MPCard → New Card- Card type: Cloud Card (VISA)- Generated instantly; save the card details
Move funds onto the card
Path: MPChat App → Wallet → Transfer- From: MP Wallet (USDT)- To: MPCard (USD)- Amount: at least $22 including the $1 verification buffer
Phase 2 – Microsoft 365 Premium Subscription
Click Buy now under the Premium plan ($19.99/month)
Sign in with your Microsoft account or create one
Choose Credit card as the payment method
Plan comparison
Plan | Price | Copilot AI | Storage | Users |
Microsoft 365 Personal | $9.99/mo or $99.99/yr | Limited (60 credits) | 1 TB | 1 |
Microsoft 365 Family | $12.99/mo or $129.99/yr | Owner only | 6 TB total | Up to 6 |
Microsoft 365 Premium ★ | $19.99/mo or $199.99/yr | Full (no credit cap) | 6 TB total | Up to 6 |
Phase 3 – Payment Details (critical step)
Payment method: choose Credit Card, then click Add a new card
Card fields (from MPChat App → MPCard → Card details):
Card Number: 16-digit numberExpiry Date: MM/YYCVV: 3-digit codeName: your Pinyin name or English name
Billing address: use a valid US address. State and ZIP code must be internally consistent:
Street: 1234 Maple StreetCity: San FranciscoState: CAZIP: 94102Country: United States
Verification & activation
Microsoft may authorize a $0 or $1 pre-charge for card verification
After payment succeeds, access to Microsoft 365 apps and Copilot AI is immediate
Download Office apps from office.com or the Microsoft 365 app
⚠️ Notes & Troubleshooting
Microsoft 365 Premium vs Copilot Pro
Copilot Pro (the old standalone $20/month AI-only plan) was retired in October 2025 and stops renewing on August 1, 2026.
Microsoft 365 Premium replaces it with the same Copilot features bundled with Office apps and 6 TB storage at $19.99/month.
If you still have an active Copilot Pro subscription, it will stop renewing automatically on August 1, 2026.
Common payment failures
Error | Fix | Priority |
Card declined | Verify balance, billing address region and card type match. | ⭐⭐⭐⭐⭐ |
Address invalid | Use a real US billing address; state and ZIP must be consistent. | ⭐⭐⭐⭐ |
Payment pending / auth failure | Wait 15 min, top up balance, retry once. Do not retry rapidly. | ⭐⭐⭐ |