To play online multiplayer on PlayStation 4 you need to be a member of PlayStation®Plus. This enables you to make the most of the PlayStation 4 system's enhanced online features, including Play As You Download, Companion App, Multi-Device Connectivity and Sharing, that will compliment online play.
You don't need to be a PlayStation Plus member to play online on your PS3 or PS Vita, but we recommend subscribing allows you to take advantage of all the extra features you receive when you join.
If you do add credit or debit card details, we store them and
we will automatically charge you if you do not have the wallet funds to cover the cost of renewal. If you do not want your subscription to auto-renew, at the end of the period, you will need to cancel your subscription. You may also choose to turn auto-funding off.
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http://uk.playstation.com/psn/suppor...ked-questions/