ms365 is installed on my desktop

If Microsoft 365 is installed on your desktop but you are unable to use Excel and it keeps asking for payment, it is likely that there is an issue with your subscription status. Here are some steps you can take to resolve the issue:

1. Check Subscription Status: Ensure that your Microsoft 365 subscription is active. You can do this by logging into the Microsoft 365 Admin Center and checking the billing section.
2. Reactivate Subscription: If your subscription is inactive, you may need to reactivate it. In the Admin Center, go to Billing > Your products, select the subscription, and look for an option to reactivate.
3. User License Assignment: Make sure that your user account has the necessary licenses assigned. In the Admin Center, go to Users > Active users, select your account, and check the Licenses and apps section to ensure that the appropriate licenses are assigned.
4. Check Payment Information: If you are on a trial or your payment information is outdated, you may need to update your payment details to continue using the service.

If you continue to experience issues, consider reaching out to Microsoft support for further assistance.

References:

• Why am I getting billed for Microsoft 365 after I activate the benefit?
• Microsoft 365 Apps activation error: "We've run into a problem with your Office 365 subscription"

Which type of subscription is this, that is, what is the specific product name?

Your account at https://account.microsoft.com/services should tell you which product and whether the subscription is active.

Dear @colin marrison,
Thank you for posting your question in the Microsoft Q&A forum. I understand that even though Microsoft 365 is already installed on your desktop, Excel is not letting you use it and keeps prompting you to make a payment.

This usually happens when Microsoft 365 is installed correctly, but the apps are not activated with the correct account, or Office is detecting a mismatch between the subscription and the account currently signed in.

Have you had a chance to check the suggestion provided by our Q&A Assistant above? If the issue persists, please let us know which suggestions you tried and what happened.

Besides, could you please confirm:

• Which account you see listed under Excel > File > Account?
• Are you using a personal Microsoft 365 subscription or a business/organization‑managed one?
• Did this issue start recently, or has Excel been prompting for payment since installation?

In the meantime, here are a few steps you can try:

1. Open Excel > File > Account and check the signed‑in account.
2. Sign out of all accounts shown there.
3. Sign back in using the account that owns your Microsoft 365 subscription.
4. Close Excel completely and reopen it to allow activation to refresh.

Once the correct subscription account is signed in, Excel should stop asking for payment and unlock full functionality.

Please understand that our initial response does not always resolve the issue immediately. However, with your help and more detailed information, we can work together to find a solution.

I truly appreciate your patience and understanding. If you have any further questions or need further clarification, please feel free to reach out. I'm looking forward to hearing from you. 

Thank you for your cooperation.

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