Quick Summary
Error code WC-40360-3 on PlayStation typically indicates an issue with the credit card information provided or a problem with the payment method being used. It often means the PlayStation Network is unable to authorize the charge.
Common Causes
- Incorrect Credit Card Information: The credit card number, expiration date, CVV code, or billing address entered may be incorrect or outdated. Small discrepancies can cause the transaction to fail.
- Insufficient Funds: The credit card might not have sufficient funds to cover the purchase amount. Even if there appears to be enough credit, certain types of transactions or holds on the account could reduce the available balance.
- Credit Card Restrictions or Limitations: The credit card may have restrictions on online purchases, international transactions, or daily spending limits that are being exceeded. It is also possible that your bank has flagged the transaction as potentially fraudulent.
- PlayStation Network Issues: While less common, there could be temporary issues with the PlayStation Network's payment processing system. This can prevent the system from properly verifying the credit card.
- Billing Address Mismatch: The billing address associated with your credit card in your PlayStation Network account does not match the billing address on file with your bank or credit card company.
Step-by-Step Fixes
Method 1: Verify Credit Card Information
Step 1: Double-check all the credit card information entered, including the card number, expiration date, CVV code, and billing address. Ensure that all details are entered correctly and match the information on your credit card statement.
Step 2: Remove and re-add the credit card to your PlayStation Network account. Navigate to Settings > Account Management > Account Information > Wallet > Payment Methods.
Step 3: Try a different credit card or payment method. If possible, use a different credit card or add funds to your PlayStation Network wallet using a PlayStation Store gift card.
Method 2: Contact Your Bank or Credit Card Company
Step 1: Contact your bank or credit card company to ensure there are no restrictions or holds on your account that could be preventing the transaction.
Step 2: Inquire if there were any recent declines or flags on transactions from PlayStation Network.
Step 3: Ask them to authorize future transactions from Sony PlayStation Network.
Method 3: Check PlayStation Network Status
Step 1: Visit the official PlayStation Network Service Status page (status.playstation.com) to see if there are any reported outages or maintenance affecting payment processing.
Step 2: If there are known issues, wait until they are resolved before attempting the purchase again.
Method 4: Update Billing Address
Step 1: Log in to your PlayStation Network account through the PlayStation website or console.
Step 2: Navigate to Account Settings > Address.
Step 3: Carefully update the billing address to exactly match the one associated with your credit card at your bank.
Method 5: Try Purchasing a PlayStation Store Gift Card
Step 1: Purchase a PlayStation Store Gift Card from a reputable retailer (online or in-store).
Step 2: Redeem the gift card code within your PlayStation account to add funds to your wallet.
Step 3: Use the wallet funds to make your desired purchase.