Resumen del cargo
An Xbox Game Pass subscription or Xbox store purchase — Microsoft owns Xbox, so every Xbox charge bills under Microsoft's name. Game Pass Core is $9.99/month, Standard $14.99, and Ultimate $19.99. A console with a saved card is the usual surprise source: family members' purchases and auto-renewing Game Pass show up on the cardholder's statement.
Decoding MICROSOFT*XBOX
Microsoft confirms its consumer billing descriptors directly: MICROSOFT*XBOX, MICROSOFT*XBOX LIVE GOLD, and related MICROSOFT* lines. Game Pass charges show as MICROSOFT*GAMEPASS or MICROSOFT*ULTIMATE, in-game currency and add-ons as MICROSOFT*XBOX, and hardware as MICROSOFT STORE. Some banks shorten the token to MSFT*XBOX, and MSBILL.INFO (Microsoft's billing domain) may appear alongside.
Current U.S. pricing: Game Pass Core $9.99/month, Game Pass Standard $14.99/month, Game Pass Ultimate $19.99/month, and PC Game Pass $11.99/month. Ultimate bundles online multiplayer, EA Play, and cloud gaming into the single $19.99 line.
- Check order history account.microsoft.com → Payment & billing → Order history names every product behind a Microsoft charge.
- Match the subscription tier account.microsoft.com/services lists active subscriptions with price and renewal date.
- Ask about the console Any profile on a household Xbox can carry your card as its default payment method.
Why does my Xbox charge say Microsoft?
Microsoft owns Xbox, so all Xbox billing runs through Microsoft's merchant accounts — MICROSOFT*XBOX is the expected, official descriptor.
Is MICROSOFT*XBOX a fraud charge?
Almost never — it's Microsoft's own descriptor. If no one with card access has a Microsoft account, check order history, then contact Microsoft billing.
The family-console gotcha
An Xbox with a saved payment method is effectively a vending machine: Game Pass auto-renewals, kids' game purchases, and in-game currency (V-Bucks, FIFA Points) all bill the card on file. Microsoft Family groups can share payment methods across the whole household, so a charge may come from a child's or partner's account.
The fix is preemptive: Microsoft Family Safety spending limits and purchase-approval prompts, plus removing saved cards after each purchase.
- Game Pass renews automatically until cancelled — the #1 surprise source.
- Kids buy games and in-game currency with the saved card.
- Family-group accounts share payment methods across profiles.
- $1 trials and promo pricing convert to full-price renewals.
- Turn off auto-renewal account.microsoft.com/services → the subscription → turn off recurring billing before the next renewal date.
- Remove saved payment methods account.microsoft.com/billing/payments lets you delete stored cards after purchases.
- Set up Family Safety Microsoft Family Safety can require approval for purchases and cap spending on child accounts.
My kid bought a game on my card. Can I get a refund?
Yes, often — Microsoft's self-service refund path at support.xbox.com covers accidental purchases within 14 days for games barely played.
Other Microsoft billing lines
Xbox Live Gold renewals bill as MICROSOFT*XBOXLIVE (legacy — now folded into Game Pass), and international accounts may show Microsoft Ireland entities. One-off charges can stack on the same day when a game, its add-on, and in-game currency are bought in one session.
Why do I have several Microsoft charges on the same day?
A game, its DLC, and in-game currency each bill separately through Microsoft — several MICROSOFT*XBOX lines for one shopping session.
Fuentes verificadas
Official descriptor list verified against Microsoft's own Q&A documentation for consumer billing; subscription tiers and pricing cross-checked against bank-statement reference guides and subscription-cancellation references.
Familia de descriptores
MICROSOFT*XBOX forma parte de las líneas de Cargos con prefijo MICROSOFT* .
Referencia independiente no afiliada con Microsoft Corporation. Las descripciones varían según el banco.
Fuentes verificadas
- Microsoft Q&A: charge from Microsoft https://learn.microsoft.com
- CFPB: Dispute Rights https://www.consumerfinance.gov