Got a refund from paypal but PSN said no

[Rroff]

If this was taken to a chargeback to the card company, and they found out the card holder did not specifically approve the transaction, the chargeback would probably be done no questions asked and any appeal from sony ignored. Banking and sales laws always supercede terms and conditions for services. Of course sony could still ban the account just because they can, but they would be on wrong legal footing if they tried to claim he is liable for the payment.

Well I mean this is basically what often happens - the card issuer will take it as an unauthorised purchase and you might be in the right legally as far as that goes but then the company the goods were purchased from will see it as a breach of their T&Cs and take action against the account.

 

[Witcher1980]

They do not need to add the 3 digit code from your card. The options allow you to enter a password on each transaction, no body should know your password same as inet banking... If you tell your kids your password then lol. Every transaction needs a password to buy if you set that up, you can’t add anymore security unless you want txt msgs to your phone every time you buy something. Screw that, they email you with every transaction anyway. Who does not have those emails setup on mobile phones so you know instantly what is going on.