PlayStation Store has a “wallet” to recharge via card and spend it on games, however, if we have this wallet at € 0 and we want to buy something within a game, the charge will automatically be sent to the default payment method. This reader had PayPal as a form of payment, and associated with PayPal his credit card, therefore, PayPal acted as a simple intermediary.
In fact, by making multiple purchases within a very short period of time, PayPal automatically detected a possible fraud and asked the PayPal account holder for confirmation of this. If I had put the credit / debit card directly into the account, it is very possible that the bank would not detect this and they would have continued to spend money on the games.
Could you ask the PlayStation Store for a refund for what happened? According to their terms and conditions, no.
In the terms and conditions of PlayStation Store we can see the following:
“When making your purchase, you request immediate access to it, knowing that you have a” cooling off period “of 14 days from the date of purchase during which you can cancel your purchase and request a refund. However:
(i) If you buy digital content (such as games) and start downloading or streaming it, you will lose the right to cancel. Keep in mind that the download can occur automatically (for example, in-game purchases or if you have activated the function [Descargar automáticamente] in your account settings). »
Therefore, even if your children have purchased it without the authorization of the PlayStation Store account holder, when purchasing digital content, you will not be able to request a refund from PlayStation and for in-game purchases to be ‘undone’.
How to pay in PlayStation Store and that your children do not put a hole in the card to you
PlayStation Store allows us to have a “Purse” with up to 150 euros in it, this wallet can be recharged through any Credit or debit card that is Visa, MasterCard or American Express, but it also allows us the possibility of using PayPal. PlayStation allows us to link a maximum of 3 cards in the account, and choose a default one to make payments and recharge the wallet, but if our wallet has € 0 and we want to buy something, that amount will directly go to the default payment method.
If your children are going to use the PlayStation, it is advisable to follow some security precautions so that they do not make purchases in the games, since it is too easy to make these purchases. The first thing to keep in mind is that we can activate an access code and prevent other people from accessing the account with our console, and of course, we can also set a password to finalize the purchase of a game or purchases within the games themselves.
Setting up an account for children: the easiest option
Children’s accounts are accounts for users under 18 years of age, and these accounts do not allow us to add credit or debit card data, only funds from the administrator’s wallet can be used, within the assigned limit that we define previously. By default, the spending limit is € 0, which we can increase so that our children make purchases in the games.
In RedesZone we have a complete tutorial on how to configure PlayStation security for minors, you can see it here:
Use a Bnext prepaid card on the PlayStation Store account
This is a very easy option to use. The Bnext prepaid card It is a Visa card that does not have any type of commission, this card is recharged through the application for smartphones, and is associated with our bank debit or credit card. If, for example, we recharge this card with € 50 and associate it with the PlayStation Store, our children can never spend more of these € 50 (it is important to have the automatic recharge of the prepaid card disabled), in addition, Bnext has promotions to pay on the PlayStation Network, returning 10% of what we pay and also on other platforms such as Spotify and Netflix among others.
Thanks to this option, it will not be necessary to create a specific account for children and configure the wallet limit, but we can directly register this card and limit the funds easily.
Even this option is very useful for the administrator profile, since we can only spend what is on this card and never again, it is a way to control ourselves. You can download the Bnext app and order this free prepaid card from here.
However, you can also contact your bank and request a prepaid card for the Internet, but you have to make sure before that PlayStation Store allows it since it is not possible in all of them. Or use the prepaid card Paysafecard which is supported by PlayStation. Finally, you can order one debit / credit card to your bank and configure daily purchase limitsIn this way, payments will automatically be blocked if we exceed a certain defined threshold.
Use PayPal as a “wallet”
By allowing the PlayStation Store to link with PayPal, it will allow us to use this platform as if it were a “wallet” making use of the PayPal balance. Normally we add our bank account directly to the PayPal account, or a credit / debit card to make payments, PayPal being only a mere intermediary.
However, we can make SEPA transfers to “top up” your PayPal balance completely free of charge. Currently only this option of transfers from the bank is allowed, and logically we will not have it available at the moment, but it will take a couple of days approximately. However, with the option of the previous prepaid card, recharges are made instantly when using our main credit / debit card.
These are three options to control that your children do not buy indiscriminately in PlayStation Store. Do not forget to properly protect your PlayStation account with two-step verification, in the following manual you have step by step how to get it:
We recommend access our computer security section where you will find manuals on how to protect your accounts, equipment and communications.