hi mate it looks like versus roms come partially rooted the only thing i can suggest trying is download superSU from the play store and install it then run the prog go to settings and click on full unroot
it sounds like a merchant plugin used by bank of america (MBNA) tell your mate to check its not a credit card payment hes made via the web ( virgin used to use this along with mbna i think )
you'll probably be better off with an AK2i card firmware gets updated often for when new games come out use custom AKAIO firmware for it ( last updated 24 nov ) only about £9 or £14 or so with a micro sd card
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