Written by Jemina Owen-Jones

April 18th, 2024


Microsoft is a multinational technology company that has been in business since 1975. It provides a wide range of retail products, including software, hardware, and online services. Microsoft is best known for its operating systems such as Windows, as well as productivity software like Microsoft Office. The company also offers cloud services, gaming consoles, and various other consumer electronics products.
  • PAYPAL: Indicates that the transaction was processed through PayPal.
  • INST XFER: Denotes an instant transfer of funds.
  • MICROSOFT WEB ID: Identifies that the transfer is related to Microsoft, possibly a purchase or payment for a service on a Microsoft website.
  • PAYPALSI77: Represents a unique identifier or reference code for the transaction.
  • Find & fight fraud from anywhere

    Verify With Receipt

    The best way to tell if this charge is fraudulent is to find the receipt. You may have an electronic copy of the receipt, which you can finding by searching in your email accounts for Microsoft.
    Or, if you want to automatically find and reconcile receipts so you never worry about fraud, you can use SimplyWise to automatically match all bank and credit card transactions to email and paper receipts. The app instantly reconciles your expenses and flags anything that doesn’t match.
    Step 1

    Connect your email

    Download the SimplyWise app and connect your email account. SimplyWise will search through your emails and find all the receipts in your inbox. This allows you to understand what exactly you are paying for when you see a bank transaction on your statement.
    Step 2

    Connect Your Bank

    Connect to your bank account/credit card transactions through the secure (256 bit encryption) Reconciliation feature within the app.
    Step 3


    Reconcile the charges reported by your financial institution against what you’ve recorded in your SimplyWise account. Find fraud quickly! SimplyWise will match your transactions to your bank/credit card spending and check those items off.
    SimplyWise Community Comments
    Graham Thompson
    3 months ago
    This charge from PAYPAL INST XFER MICROSOFT WEB ID: PAYPALSI77 is total fraud! Saw it on my statement on 5/15/2023. So frustrated!
    Harold Stevens
    3 months ago
    Hmm, that charge got me scratching my head too! Stay persistent, folks. We'll figure it out and get our money back! ????????