Microsoft Pay

Microsoft Pay
MS-Wallet logo stacked rgb c-gray.svg
Initial releaseJune 21, 2016; 5 years ago (2016-06-21)
Operating systemWindows 10
PlatformMicrosoft Edge

Microsoft Pay (previously Microsoft Wallet) is a mobile payment and digital wallet service by Microsoft that lets users make payments and store loyalty cards on certain devices. Making payments is currently supported on the Microsoft Edge browser. Microsoft Pay does not require Microsoft Pay-specific contactless payment terminals, and can work with existing contactless terminals if used on mobile devices. Similar to Android Pay, Microsoft Pay utilizes Host card emulation (HCE) for making in-store payments.

The service's original name was also originally used for a credit card manager feature included in Internet Explorer 4 and later, which required support from each web site for it to work.

This service was discontinued by Microsoft in 2021 in favour of Microsoft account payments within Microsoft.


Microsoft Wallet was launched on June 21, 2016 in the United States. It was initially released to participants of Microsoft's Windows Insider program and was later made available to the general public on August 16, 2016 with the release of the Windows 10 Mobile Anniversary Update. The service was launched exclusively to Windows 10 Mobile in conjunction with an update to Microsoft's Wallet app.

The launch of the Microsoft Wallet service established Microsoft's own in-house mobile payment platform, enabling it to bypass its prior dependencies on third-parties for contactless payments on Windows-based smartphones. Microsoft's mobile operating system had previously supported contactless payments for NFC-equipped handsets as early as 2012 in Windows Phone 8 and the original Wallet app. However, in the prior operating system, Microsoft depended on third-party intervention to make the payments feasible. Mobile carriers had to support this by providing secure element SIM cards to customers. Additionally, in the United States, mobile carriers AT&T, T-Mobile, and Verizon required use of their joint-venture developed platform, Softcard, to process the payments. When Softcard was purchased (and subsequently shut down) by Google in early 2015, it left the Windows platform without a viable contactless payment system in the United States.

The new platform allows Microsoft to coordinate directly with financial institutions and credit card issuers to make contactless payments on Windows-based smartphones, beginning in the United States. On November 15, 2017 Microsoft rebranded Microsoft Wallet to Microsoft Pay and allowed payments to be processed through it on Edge.

Release dates
Date Support for payment cards issued in
June 21, 2016 United States United States

See also

This page was last updated at 2021-11-14 08:39 UTC. Update now. View original page.

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