Pay Worldwide: Virtual Card, Rates, and Terms
Type
Pay Worldwide
"Pay Worldwide" is a service offering international virtual cards that can be loaded from Russia. The lineup includes products for subscriptions, travel, and premium use. The cards are issued in U.S. dollars, managed via a mini-app or the web version, and can be topped up in rubles through the SBP.
Issuance fees based on October 2026 rates:
- subscription card—starting at 2,990 rubles;
- travel card—starting at 3,990 rubles;
- premium card—starting at 14,990 rubles.
The exact cost may vary, so you should refer to the amount displayed before issuance. The payment is split between the card issuance fee and the amount loaded onto the balance: the top-up does not cover the issuance fee.
The subscription card is primarily designed for online payments. The card operates in USD, supports 3D Secure, and can be loaded via the SBP. A separate product is available for travel, offering a wider range of contactless payment methods. The terms for Apple Pay, Google Pay, Alipay, and WeChat depend on the selected card and device.
Top-ups are made in rubles. The service displays a breakdown before the transaction is confirmed: how many rubles will be debited and what amount will be credited to the card. This is more important than the advertising claim of “0 rubles top-up,” because the final cost depends not only on the formal fee but also on the exchange rate. To compare cards, you need to look specifically at the final amount in USD after the top-up.
According to the service’s FAQ, the travel card and premium product have a monthly limit of up to 200,000 USD, while the subscription card has a limit of up to 50,000 USD. These are high technical limits, but they do not mean that any large payment will automatically be accepted. The issuer and the merchant may apply their own anti-fraud controls.
The fee for a successful transaction using the “Subscription” and “Travel” cards is 0.25 USD. There is no annual fee for the first year only: starting in the second year, the annual fee is 2,990 ₽ for the Subscription Card, 3,990 ₽ for the Travel Card, and 14,990 ₽ for the Premium Card. Currency conversion may apply for payments made in a currency other than the card’s currency. It’s best to check the total costs before the card is issued and immediately before adding funds.
A passport is not required for basic registration: authorization is completed via Telegram or the web app, followed by adding an email address. However, not having a passport at the start does not exempt you from the rules of the issuing bank and the payment system. Additional verification may be required for non-standard transactions or at the request of a financial partner.
The card is not a bank account with an IBAN. It is a payment instrument for purchases. Transfers to other accounts and the functions of a full-fledged bank account are not available for basic virtual products.
Compatibility with international services must be evaluated on a case-by-case basis. Even if a card is eligible for a specific subscription category, a merchant may decline the payment due to the account’s country, BIN, address, frequent payment attempts, or the merchant’s own restrictions. Successfully linking a card to a wallet also does not guarantee that all merchants will automatically accept it.
Questions and Answers
How much does the “Pay Worldwide” card cost?
As of October 2026, the card costs 2,990 ₽ for subscriptions, 3,990 ₽ for travel, and 14,990 ₽ for the premium version. The first year of service is free; after that, an annual fee applies according to the rate schedule.
How do I add funds to the card?
The main method is via SBP from a Russian bank. Before confirmation, the service displays a calculation of the amount to be credited.
Do I need a passport?
The Basic card is issued via your account and email without requiring passport information.
Can I use the card for recurring subscriptions?
Yes, there’s a separate card type for this, but whether a specific service accepts it depends on its policies and the country where your account is registered.
Editor’s Opinion
“Pay Worldwide” offers separate rates for online payments and travel. Users can see the issuance fee, funding methods, and key restrictions upfront. Funding in rubles via the SBP does not require purchasing cryptocurrency on your own. When comparing options, consider the top-up exchange rate and the future annual fee after the first year, not just the issuance fee. For infrequent payments, the issuance fee may be significant, but with regular payments, it is spread out over a longer period. Before applying for a card, it’s best to choose a specific card type tailored to the service you need, rather than focusing solely on the brand name. The total cost of ownership over two years differs significantly from the initial issuance fee: starting in the second year, a mandatory annual service fee applies. This is especially important for a single, low-cost subscription.
Ask a question to a company representative
