Do Prepaid Cards Work on PS4?

Do Prepaid Cards Work on PS4?

November 4, 2020         Written By Bill Hardekopf

After PlayStation announced that some players would only be allowed to use a credit/debit card or PayPal, confusion arose. Take a closer look at the payment methods accepted for a PS4 and if prepaid cards work.

Available Payment Methods and Rules That PS4 Users Must Know

To use the store, you can enter a card or information each time. This is a good option if you’re worried about security. After the breach in 2011 where 2.2 million credit cards were stolen from PSN, it’s understandable that some do not want PSN storing information anymore. Storing the card or account is going to speed up purchases, but it’s not a requirement. Whichever method you prefer, the PS4 payment methods are:

  • Credit cards (American Express, Discover, Mastercard, and Visa)
  • Debit cards (Mastercard and Visa only)
  • PayPal
  • PlayStation Network Cash Card

Featured Prepaid Card

Top Features:

No late fees or interest charges because this is not a credit card it is a prepaid card.

EE, Maestro, O2, PaySafeCard, Three, and Vodafone may be available to some players. In the USA, credit and debit cards, PayPal, and PSN Cash Cards are your best bets.

Any debit or credit card has to be compatible with the Address Verification System (AVS). You may have a credit or debit card and find it impossible to use because it’s not AVS compatible. How do you know if yours is? You need to call your bank. As long as your credit card is an official American Express, Discover, Mastercard, or Visa, you should be okay. Debit cards must be an official Mastercard or Visa or it’s not going to be accepted by PSN’s system.

How does AVS work? It’s a computerized system that takes the credit card number and looks at your address given to the bank and compares it to the address you’ve given to PlayStation. If there are any differences, your charge is declined. For example, if you move to a new address and tell your credit card company but don’t update PSN, you’ll have issues. If someone takes your card information and tries to use it on their system, that purchase will be denied.

What do you do if your purchase is denied? Go online into the PlayStation Store website on your phone, tablet, or computer. See if you can use it there. Some players have better luck that way. If it’s still not working, it could be your card isn’t equipped with AVS. Apply for a new prepaid card and choose one that is AVS compatible.

You want to use a prepaid card for PS4 transactions. You’ll be okay if you have an official Mastercard or Visa prepaid debit card that allows this AVS check. If you can’t get it to work, PlayStation offers live chat help. You may find yourself having to use a prepaid card to purchase a PSN cash card at a store or online. Use that voucher/gift card code to add funds to your PSN wallet. Once funds are in your wallet, you can buy games or pay for a subscription to PSN.

How Do Prepaid Cards Work?

Prepaid cards all work the same way. You have a Mastercard or Visa card that you load with funds. It has an official credit/debit card number that you enter to make purchases. You can also use it in stores by inserting the chip or swiping the strip. When you make a purchase, that amount is deducted from the funds you had on the card.

If you overspend, your transaction may be denied. If you have purchase cushion protection, the bank covers your purchase for a short time, but you have to add additional funds to cover the overage. Prepaid debit cards that offer cushion protection usually have a $10 limit.

Some prepaid cards allow you to build interest if you have money on the card that doesn’t get spent. Others provide cashback on purchases you make at qualifying stores, restaurants, and services throughout the month. Many have online apps to make money management easy to manage. If there is an app, check if it allows you to deposit funds through the mobile app. It saves a lot of time when mobile deposits and direct deposits are available.

If you decide to never use your card again, stop adding funds to it. Some cards, such as a PayPal Prepaid Mastercard let you move funds to or from your card to your account. This feature is handy if you don’t often use a credit card for online purchases. Only load the card when you plan to use it.

What Are the Best Prepaid Cards for PS4 Users?

Now that you understand how to use a card, what are the best prepaid cards for the PS4? If you’re looking for a prepaid card that you can use for PlayStation purchases, these are prepaid debit cards you should consider.

Brink’s® Prepaid Mastercard®

Brink’s is a trusted name in banking. It’s been around since the 1850s. You’ll recognize it as the armored vehicle company that banks use to safely transfer money from one location to another. The Brink’s® Prepaid Mastercard® is unique in that you never have to keep a balance on the card. Fill the card with funds before you shop online, make that purchase, and let the card sit without any money until you need it again. There’s a mobile app to make it easy to check your balance and see what charges are pending or cleared. Use the app to deposit checks by mobile phone. Other benefits of this prepaid card are:

  • Direct deposit enrollment
  • Transaction, deposit, and budget alerts and notifications
  • Personalized card rewards
  • Customized card designs

Control ™ Prepaid Mastercard®

The Control ™ Prepaid Mastercard® is a prepaid card that offers rewards on certain purchases from restaurants, retailers, and service providers. You have direct deposit available for faster deposits. You customize the card with a photo you upload to the design system. You can even transfer money from your card to a friend or family member’s card. What are some of the other benefits to the Control card?

  • $10 purchase cushion for qualified cardholders
  • Up to 5% APY for qualified cardholders
  • Anytime Alerts notifying you of card activity
  • Control Card Prepaid Mobile App for convenient access

Netspend® All-Access ® Account by MetaBank®

The Netspend® All-Access ® Account by MetaBank® is offered through MetaBank. It’s one of three prepaid cards that work well to buy PSN Cash Cards or make purchases as it’s an official Mastercard. Keep up with deposits and transactions through the All-Access mobile app, and use the app to deposit checks to add funds to your card. You can get your paycheck early with Netspend’s Direct Deposit. That’s just a start, these are the card benefits that help it stand out.

  • Debit card overdraft protection
  • No fees on withdrawals at any MoneyPass ATM
  • Purchase cushion of up to $10 if your balance is a little short to cover a purchase
  • Cashback rewards
  • Zero liability on fraudulent purchases

There are two Netspend Prepaid Mastercard options worth your time. The prepaid card features are the same, but the branding is different. Support your favorite sport with either of these cards. They’re both issued by FDIC member MetaBank. MetaBank was founded in Iowa in 1954 under one promise to “Do the Right Thing.” Teaching customers how to best manage their money and to always treat customers with respect are key principles.

You will not pay overdraft fees on your purchases. There’s a Netspend Mobile App to help you manage your account with ease. Account alerts and notifications help you quickly resolve unauthorized purchases if they happen. You can sign up for direct deposit using either the WWE prepaid Mastercard or the MLB prepaid Mastercard. What are some other benefits?

  • Reload at participating retailers and locations
  • Discount at MLB store with the MLB Prepaid Mastercard
  • Mobile check deposits through the app
  • Personalized card designs to support your favorite team or wrestler

PayPal Prepaid Mastercard®

The PayPal Prepaid Mastercard® is issued by Bancorp Bank, an FDIC member that’s the #1 issuer of prepaid cards. A direct deposit is possible and helps you get paid faster. You can move money from your PayPal account to the prepaid card in seconds. Monthly cashback rewards put money back in your hands at the start of each month. If you don’t want to reload the card using your PayPal account, there are over 130,000 stores and businesses that allow you to reload the card in their store or office. What other perks come with the PayPal Prepaid Mastercard?

  • Personalized card design
  • Direct deposit of IRS tax refunds
  • Refer-a-friend rewards
  • Virtual card number for safe online transactions

What is the Best Prepaid Card for a PS4?

So, what is the best? It comes down to personal preference. If you want a card with free ATM withdrawals, make that your main criteria. If you’d rather have cashback rewards, that’s what you focus on.

What’s my pick for the best prepaid card for the PS4? PayPal Prepaid Mastercard works fine with the PS4 store, plus you can also use your PayPal account without using the card if you’re nervous about using a credit card online. The virtual credit card that’s now available online or in the app makes it incredibly easy to get a different card number to use for online transactions, which is an added benefit.

The information contained within this article was accurate as of November 4, 2020. For up-to-date information on any of the terms, cards or offers mentioned above, visit the issuer's website. Many of the offers on this article are from our affiliate partners, and may be compensated if you take action with any of our affiliate partners.

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Top Features: No late fees or interest charges because this is not a credit card it is a prepaid card. 

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About Bill Hardekopf

Bill Hardekopf is the CEO of and covers the credit card industry from all perspectives. Bill has been involved with personal finance for over 15 years. He is a frequent contributor to Forbes, The Street and The Christian Science Monitor.