Wayment: Virtual Card, Terms and Fees
Type
Payment system
Wayment
Wayment is a fintech service for issuing virtual international cards via the Telegram WebApp and a web interface. Wayment is not a bank or an issuer of electronic money: the cards are issued and serviced by third-party financial institutions.
As of November 2026, the service offers a lineup of three main pricing plans:
- “For Subscriptions” — issuance fee: 2,990 ₽;
- “For Travel” – issuance fee: 3,990 ₽;
- “Premium” – issuance fee of 7,990 ₽.
The first year of service is free. According to published information, a separate service fee may apply starting in the second year, so if you plan to use the card for more than a year, be sure to check the current rates before renewing. The balance is maintained in U.S. dollars.
You can add funds via the SBP, a bank card, and certain alternative methods displayed in the app. The fee and exchange rate for adding funds are shown before the transaction is confirmed. A fixed exchange rate is not guaranteed in advance.
Cards vary in their support for mobile wallets. The “For Travel” and Premium plans support Apple Pay and Google Pay. The “For Subscriptions” card is primarily designed for online payments and offers a different set of features. Before issuing a card, you must verify the specific plan: cards may differ in their BIN, payment system, and set of supported transactions. The terms are determined by the selected payment partner, not just by the Wayment plan name.
Visa and Mastercard cards are issued remotely; for certain plans, a passport is not required. Wayment’s operator is LVLUP LIMITED, registered in Hong Kong. However, Wayment itself emphasizes that decisions regarding card issuance and payment transactions are made by third-party providers.
Fees apply to certain transactions. The fee for a declined transaction is $0.50. This is an important factor to consider if the card is used on services that allow for repeated debit attempts. Keeping your balance “just enough” for recurring subscriptions isn’t always a good idea: insufficient funds can lead not only to declined transactions but also to additional fees.
Before applying, be sure to check:
- the issuance fee for the selected plan;
- the annual service fee after the first year;
- the fee for declined transactions;
- support for Apple Pay and Google Pay;
- limits;
- exchange rate and total top-up amount;
- list of supported merchants.
Wayment works for both subscriptions and travel, but different needs are covered by different plans. If you only need to make online payments, it isn’t always practical to pay extra for a card that includes mobile wallets. If you need to make payments with your phone while abroad, you’ll need to choose the appropriate plan.
Questions and Answers
How much does a Wayment card cost?
As of November 2026, the published prices are 2,990 ₽, 3,990 ₽, and 7,990 ₽, depending on the plan.
How do I add funds to Wayment?
You can add funds via SBP and other methods available in the app. The exchange rate and final terms are displayed before confirmation.
Are Apple Pay and Google Pay supported?
Yes, but not on all plans. This feature is available for “For Travel” and Premium cards.
Is Wayment a bank?
No. Wayment operates as a fintech service; partner organizations issue the cards.
Editor’s Opinion
Wayment stands out for its clear categorization of cards into subscription, travel, and a more expensive premium plan. Wayment is not a bank and operates through partner issuers. After the first year, a service fee may apply, and declined payments may also incur a fee. For regular subscriptions, this can significantly impact overall costs. Cards with Apple Pay and Google Pay make Wayment more versatile for travel, but they cost more. Before applying for the card, it’s worth evaluating not only the plan price but also the actual cost of reloading in dollars, since the exchange rate is determined at the time of the transaction.
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