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July 17, 2018

What to do if your credit card won’t work on PlayStation Network

by John_A


Can’t purchase a game because your credit card isn’t working? Here’s how you can still take advantage of those sales when PSN just won’t cooperate

I won’t say “we’ve all been there,” but I’m sure this has happened to a good portion of people. Picture this: A sale’s going on. The PlayStation Store has some incredible deals. You go to buy that game you’ve been waiting for and… your credit card isn’t working. Nothing appears to be wrong with the card itself, but PSN is giving you a hard time. Here’s how you can hopefully fix that.

  • Billing Information
  • Troubleshoot
  • Restart from Safe Mode
  • Contact Sony
  • Add funds through PayPal/PSN cards

Billing Information

The PlayStation Network seems to make everything harder than it should be, with several stipulations in place that need to be followed. Let’s start with entering your billing information.

To begin, make sure the credit card you are using is either Visa, MasterCard, Discover, American Express, or debit cards with an official Visa or MasterCard logo as these are the only ones accepted on the PlayStation Store.

Your card checks out? Now make sure that your billing information has been entered correctly so it matches up with your credit card statements. Special characters like slashes or hyphens may not be accepted, so try entering your information without them. If you live on a street that you normally abbreviate like Rd. or Dr., try spelling the whole word out like Road and Drive. The same goes for numbered street names (E.g. second instead of 2nd).

Remember that only a credit or debit card with a North American billing address can be used on the North American PlayStation Network registration system. If you have an international card, this will not work in North America.


Your credit or debit card should also support AVS (Address Verification System). This system, as the name implies, is a way to verify the address of whoever is using the credit card. Basically, the billing address that you provide needs to match up with the address that your credit card company has on file associated with your card. Cards that do not support AVS may not be accepted on the PlayStation Store, so you’ll need to call your card issuer to check if yours does.

Launch in Safe Mode and restart

The classic “Have you tried turning it off and back on again?” method. Seriously, just try power cycling your console. You can restart it from the power options, but sometimes it needs a more intense power cycle. Make sure that your PS4 is turned off, and then press and hold the power button for several seconds. You’ll hear an initial beep the moment you press it, and then another beep five or so seconds later that indicates you can let go. Once this is done, your console will be in Safe Mode, and a prompt will tell you to connect your DualShock 4 controller to the console via the USB charging cable.

From here you’ll see a black screen with a list of options to choose from. Simply hit the first one: Restart PS4.

This will restart the system as normal and you won’t need to worry about losing any data or saved settings.

Contact Sony

All of the above done? Good.

First and Foremost, double check to make sure that you have typed in all of your information correctly. You’d be surprised at how easy it is to be only a number or letter off, rendering your credit card info useless. Now, if you’re certain that everything has been input correctly and you’re still receiving a message that says “Invalid Credit Card Information” or similar, you’ll need to contact Sony.

Sometimes there’s just nothing you can do, and that’s where Sony needs to step in. You can find all of the ways to contact them, from live support chats to their official support Twitter account, here.

Screw it: Gift cards

If all else fails or you just don’t want to deal with all of the aforementioned hassle, add money to your wallet using PSN cards or PayPal. You can buy PlayStation Network gift cards that range from $10 to $100 at your store of choice here. You can redeem these by turning on your PS4, navigating to the PlayStation Store, selecting “redeem codes” and then entering the code you were provided from the card.

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