Getting a refund.

[Hezkezl]

He actually cannot take his payment back.. depending on when he bought it. Most card companies would question him then go to the 3rd party which would be SE, they did nothing wrong, he actually signed the ToS and got what they said they would provide to him.

Depending on the credit card company, they'll issue a refund and then go after the vendor for a refund. But in the mean time, the vendor (SE) will very likely ban the guy's account at a minimum.

Does it matter? He can't play.

Depends on many things. Something like this *COULD* wind up being a strike against somebody's credit, so it could matter a lot.