lol funny that i see you mention how complex billing is. I'm currently having the SAME issues. I bought some gamer cards, and they didn't have 50$ cards. So i had to buy 3, 20$ cards. I put in one card, and now i get an error saying something about. "for your security blah blah blah". And it times me out. So i'm kinda confused as what i need to do now. I've been trying for the past 4 hours and i get the same message. Not to mention i have NO PC @ all. And i have a cell but not a smart phone. Which makes using those cards i bought even more of a pain. Since it tells you that if you're using the ps3 browser you can't pay using those cards... So i tried it on the WiiU lol. So stressing out now! Not sure why they couldn't just bill my PSN wallet like DCUO did.... But then again SE has never been simple.