"Pay on the Go" Virtual Card: Terms and Conditions and How to Add Funds
Type
Payment system
Pay on the Go
"Pay on the Go" offers virtual Visa and Mastercard cards for paying for international services and purchases. The card is issued remotely, can be loaded with rubles via the Single Payment System (SPS), and does not require a physical card.
The service operator is registered in Sharjah Media City, UAE, under number 2542307. Before issuing the card, it is important to separately verify the details of the issuing bank, the country of issuance, and the terms and conditions of the specific card product, as the issuer determines some of the restrictions and rules governing transactions.
Key features:
- Visa and Mastercard virtual cards;
- online application;
- top-ups in rubles via the Single Payment System (SPS);
- top-up via bank card;
- automatic currency conversion upon top-up;
- a limit of up to 10,000 USD per transaction for the “For Subscriptions” card;
- Support for payments for international subscriptions and online services;
- Apple Pay and Google Pay are not supported for the “For Subscriptions” card; for other products, availability depends on the plan.
As of November 2026, the “For Subscriptions and Services” card costs 1,299 rubles, is valid for two years, has no annual fee, and can be reloaded via the SBP system; the limit per purchase is up to 10,000 USD. Issuing the “Subscriptions” card costs 1,299 rubles: the absence of a separate issuance fee does not negate the cost of the card itself. When reloading the card, the ruble-to-USD exchange rate is also taken into account.
Topping up via the SBP system allows you to deposit rubles from a Russian bank account. In addition to the SBP, you can also top up using a bank card or via SberPay. The virtual card’s balance may be displayed in a foreign currency after conversion.
The cards are marketed for international subscriptions, games, reservations, and online purchases. However, whether a payment is accepted always depends on the specific merchant. A foreign service may take into account the card’s country of issue, the payment profile address, the account region, the currency, 3D Secure requirements, and its own anti-fraud rules.
Before issuing a card, consider the differences between card programs:
- the country and issuing bank of a specific card;
- the card’s currency;
- fees for reloading and payments;
- transaction limits;
- 3D Secure support;
- the option for recurring debits;
- Compatibility with the desired service;
- refund policies;
- Apple Pay and Google Pay rules.
“Pay on the Go” also sells access to certain digital services and eSIMs. These products should not be confused with a virtual card: purchasing a gift code or paying for a subscription through an intermediary is different from using your card details directly.
Under the “Subscriptions and Services” plan, card issuance takes up to 10 minutes; however, the actual time depends on order verification and the issuer’s processing time. If you need the card by a specific date or for an urgent payment, it’s wise not to wait until the last minute to request issuance.
Don’t assume that a virtual Visa or Mastercard guarantees payment on any foreign website. An international payment system increases the number of potentially compatible merchants, but the final decision on the transaction is made by the participants in the payment chain.
Questions and Answers
What types of cards does “Pay on the Go” issue?
Virtual Visa and Mastercard cards are available for international online payments.
Can I load the card with rubles?
Yes. You can top up your card via the Single Payment Gateway (SPG), a bank card, or other available methods, with the amount converted to the balance currency.
How much does it cost to issue a card for subscriptions?
Issuing a subscription card costs 1,299 rubles. There are no service fees, and topping up via the Single Payment System (SPS) is free.
Is the card suitable for international subscriptions?
The service markets the cards for such payments, but compatibility depends on the specific merchant, card issuer, account region, and payment gateway rules.
Editor’s Opinion
“Pay on the Go” is geared toward users in Russia: ruble top-ups via the SBP and a virtual Visa or Mastercard reduce the number of steps required for international payments. However, the card product should be evaluated separately from the service’s other offerings, such as codes and eSIMs. The most important factors are the issuing bank, country of issuance, total fees, and compatibility with the desired merchant. The phrase “for international services” does not mean that every transaction will go through. For recurring subscriptions, it is especially important to check for recurring charges and account region requirements. If these parameters are transparent and suitable for a specific purpose, a virtual card can be a convenient tool, but you should verify the terms and conditions immediately before issuing the card.
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