Easy Payments: International Cards, Application Process, and Terms and Conditions
Type
Payment system
Easy Payments
Easy Payments is neither a separate bank nor the issuer of its own virtual card. The service facilitates the remote opening of accounts and cards at foreign banks for Russian citizens. Therefore, the terms and conditions depend not only on Easy Payments but also on the selected bank: the country of issuance, payment system, currency, validity period, documentation requirements, and funding methods.
As of October 2026, the service offers cards from banks in Kyrgyzstan, Armenia, and other foreign jurisdictions. The lineup includes Visa and Mastercard, as well as accounts in USD, EUR, and other currencies. Some offers are processed via power of attorney, while others do not require one, depending on the specific rates. Processing times also vary: for some offers, it takes as little as 1 business day, while others require 3–10 business days or more.
Breakdown of fees before payment:
- Easy Payments charges a processing fee, and bank fees may be paid separately;
- the cost depends on the selected bank and rate plan;
- terms of service, limits, and transaction fees are set by the foreign bank;
- Availability of Apple Pay, Google Pay, SWIFT, and other features depends on the specific card;
- Some products require a power of attorney or additional identification;
- The card and account are opened in the customer’s name, and the cardholder retains access to the banking app.
The cost of opening certain card programs starts at 19,990 rubles. For other cards, the price is higher and can reach several tens of thousands of rubles. This is specifically the cost of the account maintenance service. The bank’s own fees for issuance, maintenance, minimum balance requirements, notary services, and delivery must be calculated separately if they are specified in a particular fee schedule.
Top-up methods also vary from bank to bank. According to the publicly available terms and conditions for Easy Payments, top-up options include transfers via Sberbank, T-Bank, VTB, Gazprombank, “Mir” payment system cards, and SWIFT transfers in rubles. Some banks also support incoming international transfers, Visa to Visa, or Mastercard MoneySend. The terms of a single offer cannot be applied to the entire Easy Payments lineup: the set of features varies by card.
For online payments, it’s not just the payment system that matters. Before signing up, you should check the bank’s country of origin, the card’s currency, whether 3D Secure is supported, support for recurring payments, and any restrictions imposed by the specific merchant. Even a foreign Visa or Mastercard does not guarantee acceptance by every international service: the decision depends on the issuer, the card’s BIN, the country of the account, and the merchant’s anti-fraud policies.
The application process involves selecting a bank and verifying documents. Easy Payments requests the documents through your personal account and follows up on the application until the bank makes a decision. In some cases, the bank conducts additional identity verification. After the account is opened, the customer gains access to the banking app, and physical cards are arranged for delivery.
Easy Payments is better suited for those who need not just a one-time virtual card, but a full-fledged international banking product with a personal account. This option may be more convenient for regular international expenses, travel, holding funds in foreign currency, and transfers. However, this comes with a higher account setup fee and requires waiting for the bank’s approval.
Questions and Answers
Does Easy Payments have its own virtual card?
No. Easy Payments acts as a support service, while the card is issued by the selected foreign bank.
How much does it cost to sign up?
The October 2026 public catalog lists offers starting at 19,990 rubles. The price depends on the bank and the plan, and bank fees may be charged separately.
Can I load funds onto the card from Russia?
Some bank cards can be loaded through Russian banks, “Mir” cards, or SWIFT. The specific method depends on the bank you choose.
Is a power of attorney required?
For some plans, yes; for others, no. Requirements are confirmed before the application process begins.
Editor’s Opinion
Easy Payments is noticeably different from services that issue a ready-made virtual card in just a few minutes. Here, the main product is assistance with opening a full-fledged account and card at a foreign bank. This makes the solution more expensive and slower, but provides a clearer banking model: the account is opened in the customer’s name, and the fee structure and features are determined by the specific bank. The catalog includes products with different currencies and document requirements; as a result, there is no single fee or uniform set of features for all cards. Some offers involve issuing physical plastic cards rather than virtual cards, which can be obtained in just a few minutes. Before paying, it’s wise to calculate the total cost: the intermediary’s fee, bank fees, power of attorney, delivery, and ongoing service.
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