I Want to Cry!: A Virtual Card for Online Payments
Type
I Want to Cry!
I Want to Pay! — a service offering virtual international cards that can be set up via a web interface and Telegram. Cards are loaded with rubles via the Single Payment System (SPS), and the balance is maintained in U.S. dollars. The service offers several options for different purposes: a separate card for subscriptions, a travel card, and a premium card.
As of November 2026, the following basic terms and conditions have been published:
- Subscription card—issuance fee: 1,290 ₽;
- travel card—issuance fee: 2,990 ₽;
- Premium Card – issuance fee: 8,000 ₽;
- Subscription Card maintenance fee: free; for the Travel Card, free with annual top-ups of at least 500 USD, and for the Premium Card, at least 1,000 USD; otherwise, 600 rubles per year;
- Top-ups in rubles via the SBP system—no separate service fee;
- All cards operate with a dollar balance.
The subscription card is designed for online services, apps, and recurring payments. It is valid for 2 years. The transaction fee is $0.25; the limit per transaction is up to $5,000; and the daily and monthly limits are up to $20,000. Apple Pay and Google Pay are not supported for this plan.
The travel card is more expensive and supports Apple Pay and Google Pay. Annual service is free if you load a total of at least $500 onto the card per year; otherwise, the fee is 600 rubles. The card is suitable for payments while traveling, hotel reservations, airline tickets, taxis, and online services. It is valid for 3 years, with a $0 transaction fee and a limit of up to $20,000 per transaction. The daily and monthly limits are higher than those of the subscription card.
The premium card is designed for higher transaction volumes and expanded support. There is no annual fee if you load at least 1,000 USD per year; otherwise, the annual fee is 600 rubles. The issuance fee is significantly higher, so it makes sense to compare this plan not only based on the cost of the card itself, but also on the reload rate, limits, and the expected volume of payments.
The cards support 3D Secure. If a merchant requests transaction confirmation, the code is sent via the service’s interface. For travel, an important distinction is support for mobile wallets, since the card has no physical plastic.
The card is issued by a banking or payment partner; “Khochu Plachu!” handles card issuance, reloading, and technical support. This is an important distinction: “Khochu Plachu!” cannot be described as a bank. Certain categories of goods and transactions are subject to regional and issuer-specific restrictions.
Before getting a card, you should check:
- whether the selected plan supports the desired service;
- whether you need Apple Pay or Google Pay;
- the card’s expiration date;
- the limits per transaction and monthly spending limit;
- the transaction fee;
- the exchange rate at the time of the transaction.
For regular subscriptions, the basic plan offers greater transparency in terms of costs: a fixed transaction fee and a small commission per transaction. For travel, support for mobile wallets and the absence of a fee for each purchase are more important. The premium plan is justified for a significant volume of transactions, when the benefits of the exchange rate and spending limits can offset the high issuance cost.
Questions and Answers
How much does the “I Want to Pay!” card cost?
As of November 2026, the subscription card costs 1,290 ₽, the travel card costs 2,990 ₽, and the premium card costs 8,000 ₽.
Can I load funds onto the card via the SBP?
Yes. Top-ups are made in rubles via the SBP; the amount is converted to dollars at the exchange rate displayed before confirmation.
Are Apple Pay and Google Pay supported?
The Subscription Card does not support them. The Travel and Premium cards support Apple Pay and Google Pay.
Is 3D Secure available?
Yes. Online payments are verified via 3D Secure.
Editor’s Opinion
“I Want to Pay!” is convenient because the plans are categorized by purpose, and the key features are described in sufficient detail. For subscriptions, the basic plan without Apple Pay and Google Pay is sufficient. For travel, there’s a separate card with mobile wallets, but its free service depends on the amount of annual top-ups. The main factor to consider, aside from the issuance fee, is the actual exchange rate for top-ups, since the separate commission may be zero, but the final cost per dollar still depends on the service’s exchange rate. A plus is the published information on card limits and expiration dates. However, compatibility with a specific foreign service cannot be considered a permanent guarantee: the rules for accepting cards vary among merchants themselves. Before making a large deposit, it’s wise to check the relevant service and first conduct a small transaction.
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