Charge Explainer
§ 01 · DESCRIPTOR

What is MSFT E0800ABCDE on your bank statement?

Here's what this charge most likely is, grounded in our prefix dictionary and what the descriptor itself contains.

Medium

This appears to be a charge from Microsoft, likely for a subscription or digital service such as Microsoft 365, Xbox Game Pass, or OneDrive storage.

Most likely: Microsoft
a software and digital services company
Processed by: Microsoft
MSFT is Microsoft's own billing prefix, meaning Microsoft is billing you directly rather than through a third-party processor. The charge originates from Microsoft's own payment system.
Category
Software & Subscriptions

Doesn't look right? Things you could check:

  • Check your Microsoft accountSigning in to account.microsoft.com and checking the order history or billing section can show recent charges and which service they relate to.
  • Search your email for a receiptMicrosoft sends email receipts for most purchases — searching your inbox for 'Microsoft' may surface a matching receipt with the service name.
  • Look up the order referenceThe alphanumeric code after 'MSFT' (here, E0800ABCDE) is an internal Microsoft order or subscription reference that may appear in your account billing history.
  • Review active Microsoft subscriptionsIf multiple Microsoft services are active (e.g. Xbox, 365, OneDrive), reviewing which ones are set to auto-renew can help match the charge to a specific product.
WHAT THE DESCRIPTOR TELLS US

A Microsoft charge — it may be Microsoft 365, Xbox, OneDrive storage, or another Microsoft service. The name after MSFT indicates which service the charge is for.

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RELATED DESCRIPTORS
  • MSFT *MICROSOFT 365

    This appears to be a subscription charge from Microsoft for Microsoft 365, their suite of productivity apps and cloud services.

  • MSFT *XBOX

    This appears to be a charge from Microsoft for an Xbox-related purchase or subscription, such as Xbox Game Pass or an in-game purchase.

  • ACH WEB PYMT BILLPAY

    This appears to be an electronic bill payment made through your bank's online bill pay service via the ACH network.

  • ADBL*AUDIOBOOK PURCHASE

    This appears to be a charge from Audible for a one-time audiobook purchase.

The MSFT prefix has its own page: What does MSFT mean on a statement?