Elden Ring and Nightreign are two FromSoftware titles that buyers in Steam and PS Store often look for by regional prices. If you pay with a virtual card from another country, it's important to understand where it's cheaper, which cards the platform accepts, and how not to lose your account due to a region change. Below is a practical guide to buying without unnecessary hassle.
Where to buy and how much it costs
Elden Ring is sold in Steam and PlayStation Store, Nightreign is a separate project also available in these stores. Prices depend on the account region: in Turkey, Argentina, or Brazil the cost may be lower than in the US or EU, but exact figures change — check the current rate on the service's website. In Steam the price is displayed in the account region's currency, in PS Store — in your PSN account's currency.
- Steam — accepts Visa/Mastercard, but with restrictions on the card's country of issue. Russian cards don't work, cards from foreign issuers work if the card's region matches the account region or the platform doesn't block the payment.
- PlayStation Store — accepts Visa/Mastercard, but requires the card's country to match the PSN account's country. 3-D Secure may be requested by the issuing bank.
Regional rules and risks of changing region
Steam and PS Store check the account region and may request address verification (AVS). If you change your account region, it can lead to a block or a requirement to confirm your payment method. In Steam, changing region is possible once every 3 months, but when trying to pay with a card from another country, the payment is often declined. In PS Store the account region is fixed at creation, and you can't change it without losing your library.
If you buy a game as a gift or through a forwarder, make sure the recipient's region matches the key's region. Keys from other regions may not activate.
How to pay with a virtual card step by step
- Issue a virtual Visa/Mastercard in the desired currency (USD, EUR, TRY, etc.) via a service like VirtCardPay.
- Top up the balance with a margin: game price + possible conversion fee + 10–15% in case of exchange rate changes.
- In Steam: add the card in 'Payment methods', enter an address matching the account region. In PS Store: link the card in account settings, the card's country must match the PSN country.
- Make the purchase. If 3-D Secure is requested, confirm the transaction in the virtual card issuer's app.
- Save the receipt and a screenshot of the transaction — you'll need them for support if declined.
What to do about a 'card declined' error
A decline can be due to a mismatch between the card and account regions, insufficient funds, a block from the issuer, or AVS check. Try:
- Check that the card's country matches the account's country.
- Increase the balance by 20–30% — sometimes the bank blocks the amount with a margin.
- Contact Steam or PS Store support if the payment is declined without reason.
- Use a gift card (Steam Wallet, PlayStation Store Gift Card) as a backup — they can be bought at retail or online and activated in the account.
FAQ
Can I buy Elden Ring in Steam with a card from another country?
Yes, if the card's region matches the account region or the platform doesn't block the payment. Otherwise, use a gift card.
What happens if I change my PS Store account region?
The PSN region is fixed at creation, you can't change it without losing your library. To buy in another region, you'll need a new account.
How much should I keep on the virtual card balance?
Game price + conversion fee + 10–15% margin. Check the exact price on the service's website.
Service names, games, and franchises belong to their respective rights holders and are mentioned only to describe the payment scenario; VirtCardPay is not affiliated with them.
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