Cyberpunk 2077 and its Phantom Liberty expansion by CD Projekt Red are among the most purchased RPGs on Steam and GOG. If your card doesn't go through in these stores, here's how to pay with a virtual card and what to watch out for.

Where to Buy: Steam vs GOG

Both stores sell the game and the expansion. Steam is the largest platform with regional pricing, GOG is CD Projekt's DRM-free store. On Steam payment goes through Steam Wallet, on GOG directly by card or via PayPal.

  • Steam: accepts Visa/Mastercard from foreign issuers, but with regional restrictions and address verification (AVS).
  • GOG: accepts Visa/Mastercard, PayPal, sometimes requires 3-D Secure.

Prices differ: on Steam they depend on the account region, on GOG on the store currency. Check the exact price on the service website.

Does the Store Accept Your Card

Steam often declines cards issued outside the account's country. GOG is more lenient but may request address confirmation. Virtual Visa/Mastercard cards usually go through if the billing address matches the store region.

How to Pay with a Virtual Card: Step by Step

  1. Issue a virtual card in the required currency (USD/EUR).
  2. Top up with a buffer: game price + possible conversion fee.
  3. On Steam: 'Add to Cart' → 'Purchase' → select card → enter details.
  4. On GOG: 'Buy' → 'Pay by card' → fill in the form.
  5. If 3-D Secure appears, confirm the payment in your banking app.

Keep a balance with a 10–15% buffer in case of pre-authorization or exchange rate fluctuations.

What to Do If Declined

If payment fails, check:

  • whether the card country matches the account;
  • whether international payments are enabled;
  • whether the limit is exceeded.

A fallback is a Steam or GOG gift card bought from an official store, or buying through a friend who then gifts it.

Regional Restrictions and Delivery

Steam may restrict activation of keys from other regions. GOG has no regional activation restrictions, but prices may differ. No delivery is required — the game is digital.

FAQ

Can I buy Cyberpunk 2077 with a virtual card from Russia?

Yes, if the card is issued by a foreign bank and supports online payments. Check whether the store accepts cards from your region.

How much does Phantom Liberty cost?

The price depends on the region and platform. Check the current rate on the Steam or GOG website.

What if Steam doesn't accept my card?

Try GOG or buy a Steam gift card from an official store.

Service, game, and franchise names belong to their respective owners and are mentioned only to describe the payment scenario; VirtCardPay is not affiliated with them.

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Sources

This material is for informational purposes only and is not financial advice. Data and service terms may change, so check primary sources before making a payment or investment decision. Mentions of third-party brands and services do not imply official partnership, support, or endorsement by VirtCardPay.
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