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But since I can only choose in intervals to add to my account is there really no way to buy it without adding 20 dollars... I mean I don't want to pay that much more when I won't be using the extra money
A flaw that Sony has with their system is that you can't buy games at the exact price and when you buy a game with nothing in your account depending on the game or item you may be left with some change. I got like 2 cents in my wallet after spending $5 on Zen for Neverwinter.
"He may be Mr. Clean, but his soul will always be dirty!"
Paying through the website allows you to pay the exact amount. Sony has allowed this for years. I haven't purchased anything on the actual system stores in a looong time, so I dunno if they changed it there.