Aifory Pro: Virtual Card Terms and Limits
Type
Aifory Pro
Aifory Pro offers A Pro virtual cards for international online payments. The card is issued remotely; the card details appear in your account after issuance, and you can add funds in rubles via the Single Payment System (SPS). The card balance is maintained in U.S. dollars. The service offers several card options that vary in cost, fees, and mobile wallet support.
A Pro rates as of November 2026:
- subscription card—issuance fee starting at 1,290 ₽, annual fee $0, validity period 2 years;
- Universal Card—issuance fee starting at 2,490 ₽, annual fee $0, validity period 3 years;
- Universal PREMIUM—separate plan; costs vary by partner program, so check your personal account for the issuance fee.
The Subscription Card is designed for regular online payments. In A Pro’s statements, you may see different transaction fees: 0.8 USD per purchase in the rate table and a different amount in the final statement. The exact fee is determined before payment. Therefore, before issuing the card, you should refer to the final rate in your personal account. The Universal card supports Apple Pay and Google Pay; the final transaction fee is displayed during the application process. This card program is issued in Singapore. The terms of individual plans may vary, so before paying for the card, you should check the final price, limit, and fee for the specific card you’ve selected.
Top-ups are processed via the SBP from a Russian bank. The amounts to be debited and credited are visible before the transaction is confirmed. The minimum top-up amount is $10, and the maximum single top-up is up to $10,000. This allows you to see the actual ruble-to-dollar exchange rate in advance and avoid calculating the cost based solely on the nominal exchange rate.
Aifory Pro supports 3D Secure. Verification is required for certain transactions and access levels. The AML/KYC rules describe several levels: Basic, Advanced, Professional, and Ultra. For advanced features, you may need to provide a document confirming your identity, and at higher levels, additional information may be required. Therefore, the statement “the card is always issued without documents” is incorrect: the requirements depend on the transaction and the access level.
What to check before issuance:
- the current cost of a specific plan;
- the fee for successful and declined transactions;
- support for the desired service;
- compatibility with Apple Pay or Google Pay;
- the limit per transaction and per top-up;
- whether verification is required for the selected product.
Aifory Pro is not the card-issuing bank. The service provides access to card products through a partner network. Fees vary by partner program. The final fee is displayed before the application and payment are confirmed.
For recurring subscriptions, it makes the most sense to compare the subscription card with the universal card. The former is cheaper to issue but has a fixed transaction fee and does not support Apple Pay or Google Pay. The general-purpose card costs more but is designed for smartphone payments abroad as well. If you need a card for just one or two online services, you may not need to pay extra for the premium plan.
Questions and Answers
How much does an Aifory Pro virtual card cost?
As of November 2026, the official website lists prices starting at 1,290 ₽ for a subscription card and 2,490 ₽ for a universal card. Promotional offers may affect the final price.
Is there a service fee?
Maintenance for standard A Pro virtual cards is $0.
Can I load the card with rubles?
Yes. Top-ups are available via the SBP. The card balance is maintained in USD, and the final exchange rate is displayed before the transaction is confirmed.
Does Aifory Pro support Apple Pay and Google Pay?
Support depends on the plan. The Universal Card supports Apple Pay and Google Pay, but the Subscription Card does not.
Editor’s Opinion
Aifory Pro offers several virtual card options for those who need a separate virtual card that can be topped up from Russia. The service has a more affordable card for subscriptions and a universal option that supports mobile wallets. However, different official pages list varying prices and promotional offers, so you shouldn’t rely solely on the figures from search results. Before applying, it’s best to check the total cost, the fees for a specific card, and the verification requirements directly in your account. For small, regular payments, it’s not so much the issuance fee that matters as the total cost per transaction. For travel and contactless payments, a universal plan that supports Apple Pay or Google Pay is a good choice.
Ask a question to a company representative
