Copilot Credits go default-on: your 2 November checklist
From 2 November 2026, new Microsoft 365 Copilot Business licences bought through CSP arrive with usage-based billing switched on, an Azure subscription attached, and Copilot Credits metering Cowork, the Work IQ APIs and GitHub Copilot Harness. Five settings in the Microsoft 365 admin center decide whether that becomes a budget line or a surprise invoice, and the defaults are not the ones a finance team would pick.