ePayService: USD and EUR Virtual Cards - Terms and Conditions
Type
Payment system
ePayService
EPayService is an international payment system offering e-wallets, money transfers, and card products. The service’s public catalog lists virtual cards for online payments: Virtual Single and Virtual Multi.
ePayService is operated by MTACC Limited, a regulated financial institution in Malta. For card products, the service uses Mastercard and separate agreements with cardholders.
The ePayService virtual card is designed for online purchases, subscriptions, and one-time payments. Unlike a traditional plastic card, it is issued immediately in digital format and allows you to keep your primary card details private.
Virtual Single Plan:
- Currencies: USD and EUR;
- transaction fee: 0;
- purchase limit: up to 3,500 EUR/USD;
- Validity period: 2 months;
- additional fee of 3 EUR/USD for the individual starting amount;
- Issuance amount: 1 to 20 EUR/USD, depending on the initial denomination;
- up to 10 active cards;
- Monthly fee: 0.
Virtual Single is better suited for one-time purchases or short-term use. The card is created with a pre-set balance and a limited validity period.
For the reloadable Virtual Multi, the following parameters apply:
- Currencies: USD and EUR;
- purchases—no separate fee;
- purchase limit: up to 5,500 EUR/USD;
- validity period—6 months;
- Issuance: free;
- Card reload—free;
- Refunds from the card to an ePayService account—free;
- Up to 3 active Virtual Multi cards;
- Monthly fee: 0.
Virtual Multi is designed for recurring payments and subscriptions. You can top it up from your ePayService balance and transfer the remaining balance back to your main account.
It is important to note that these terms are subject to change. The virtual cards section remains active; however, some public information regarding Virtual Single and Virtual Multi has not been updated as frequently as the current terms and conditions for Mastercard debit cards. Therefore, before issuing a card, you should check whether the specific product is listed in your personal account and what terms and conditions apply specifically to your account as of November 2026.
The latest ePayService Mastercard agreement confirms that the card program remains in effect and offers cards in EUR and USD. The transaction fee for transactions in other currencies is 1.99%. A fee of 0.50 EUR/USD may be charged for a declined transaction. For debit cards, the published limits are up to 5,000 EUR/USD per transaction and up to 20 transactions per day.
Data on physical Mastercard cards cannot be automatically applied to Virtual Single and Multi cards, but it illustrates ePayService’s current fee structure and highlights the need to verify the specific card’s fee schedule before use.
There is a specific availability risk for Russian customers. In the published terms of service, ePayService listed Russia among the restricted jurisdictions. Therefore, ePayService virtual cards cannot be considered available to users residing in the Russian Federation simply because the product appears in the catalog. You must verify your current registration status before depositing funds.
ePayService is better suited for those who already have an active account in the system and access to virtual cards in their account dashboard. For new users, it’s more important to first confirm their country of service and only then compare the Virtual Single and Multi options.
The difference between Single and Multi goes beyond just the expiration date. With Single, the balance is set upon issuance and the card is valid for two months; it is convenient for a one-time payment without having to reuse the payment details. Multi is valid for six months and allows for reloading and refunds to the ePayService account. Purchase limits: Single—up to 3,500 EUR/USD; Multi—up to 5,500 EUR/USD. These limits apply specifically to the older, publicly described card programs, not to all bank cards in the system. For the new version, please check the terms and conditions in your personal account.
Questions and Answers
What virtual cards does ePayService offer?
The public catalog features Virtual Single for short, one-time payments and Virtual Multi for repeated use.
Is there a monthly fee?
There is no monthly fee for either virtual card.
Can I add funds to Virtual Multi?
Yes. You can top up the Virtual Multi card for free, and any remaining balance is returned to your ePayService account without any additional fees.
Is the service available to customers in Russia?
Russia was previously on ePayService’s list of restricted jurisdictions. You should check the current availability of registration and card issuance before topping up your account.
Editor’s Opinion
EPayService is particularly interesting for its classic Virtual Single and Multi models. Single is convenient for one-time payments, while Multi is ideal for multiple subscriptions and recurring top-ups. The publicly listed rates appear competitive: zero fees for purchases and account maintenance, and Multi even offers free card issuance. However, the main drawback as of 2026 is that the documents are not consistently up to date. For Virtual Single/Multi, some rates are listed in an older version of the terms and conditions, so the current rate is determined by the active offer within your account. Before issuing a card, you should verify the rate in your ePayService account: the terms of older programs may change. Customers from Russia must separately confirm their eligibility for the service.
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