MIG Pay Virtual Card: Terms of Use
Type
MIG Pay
MIG Pay offers a rechargeable virtual card for international online services. The card is issued remotely; no physical card is provided. The service offers one main plan priced at 800 ₽.
MIG Pay rates as of November 2026:
- issuance fee—800 ₽;
- maintenance fee: free;
- validity period: 2 years;
- balance currency: USD;
- card program country: United Kingdom;
- Monthly limit: up to $100,000;
- Transaction fee: $0.50;
- Apple Pay and Google Pay are not supported;
- No refunds or balance withdrawals are available on the product page.
The card is designed for paying for subscriptions and online services. MIG Pay specifically warns that it is not suitable for in-person payments via Apple Pay or Google Pay and is not intended for trial subscriptions. This is an important limitation: if you need the card specifically for making payments with your smartphone while traveling, this plan does not meet that need.
Top-ups are available after the card is issued. You can top up the card via the SBP. You should check the additional methods offered in your account directly when topping up. No separate fee is listed for ruble top-ups on the platform: the service fee is included in the exchange rate. Therefore, before confirming a top-up, you should check not only the fee description but also the actual amount in dollars that will be credited to your balance.
The operator of MIG Pay is MIGACORE SOLUTIONS - FZCO, registered in the UAE. The card program is based in the United Kingdom; the name of the issuing bank is not disclosed in the public terms and conditions. MIG Pay itself is a service, not a bank.
The card is prepaid: there must be sufficient funds in the balance to cover the payment. When making purchases in a different currency, additional currency conversion may occur according to the rules of the payment infrastructure. For recurring subscriptions, it’s a good idea to keep a small balance on the card, but it’s not advisable to store large amounts on such cards unnecessarily.
Things to keep in mind:
- A fixed fee of $0.50 makes frequent small purchases relatively more expensive;
- Mobile wallets are not supported;
- the card is valid for 2 years;
- Before applying, check whether a specific service is supported;
- the terms of the top-up rate are more important than the formal absence of a separate fee.
MIG Pay offers one main card with a fixed issuance fee and no tiered pricing. There are no multiple cards with different service tiers: the user pays the issuance fee and then uses a single card. This makes it easier to track expenses, although compatibility with specific international platforms may still vary.
Questions and Answers
How much does a MIG Pay virtual card cost?
The November 2026 edition costs 800 ₽.
Is there a service fee?
No. Service is free under the current rate plan.
Does MIG Pay support Apple Pay and Google Pay?
No. The card is intended for online payments; Apple Pay and Google Pay are not supported.
What is the purchase fee?
The transaction fee is $0.50.
Editor’s Opinion
MIG Pay is a good fit for those who specifically need a separate virtual card for online payments without Apple Pay or Google Pay. The low issuance fee and free maintenance make it easy to track expenses, but the fixed $0.50 fee per purchase can add up with a large number of inexpensive subscriptions. A major plus is the clearly stated expiration date and high monthly spending limit. The main considerations before applying are the actual exchange rate for card top-ups and support for specific services. The card is less versatile for travel due to the lack of mobile wallets. For a few large online payments per month, the terms seem clearer than for dozens of small transactions.
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