Virtual Cards How It Works Pricing Blog FAQ Sign in Get a Card
VirtCardPay.
Get a Card
Virtual cards for real life

The whole world.
On your card.

Pay for

Pay for ChatGPT, Claude, Midjourney, Netflix, Steam and travel bookings abroad with a virtual Visa or Mastercard. Top up in USDT (TRC-20, BEP-20), TON or rubles via SBP.

Issue a card All online.
Right inside Telegram.
Top up 24/7 USDT TON СБП
Your freedom to pay USD / EUR
VirtCardPay virtual Visa and Mastercard cards for paying online abroad
3D Secure

For everything
you love.

ChatGPT NETFLIX Spotify● Booking.com STEAM
VISA
Mastercard Mastercard
USDT TRC-20 USDT TRC-20
USDT BEP-20
Toncoin (TON)
SBP
Telegram Telegram Pay
Apple Apple Pay
Google Pay Google Pay
Already over 50 000+ active users trust VirtCardPay

Why Choose VirtCardPay

A simple way to pay for foreign online services with clear limits

01
Open online

Register via Telegram bot and manage your virtual card online — no bank branch visit.

02
Crypto & Ruble Top-Up

Top up your card via USDT (TRC-20 or BEP-20) or Toncoin (TON); funds are usually credited after network confirmation. Rubles are topped up via SBP (Faster Payments System) — straight from your banking app.

03
Works Worldwide

Cards on the relevant payment networks are accepted by many online services and stores. Availability depends on each merchant, region, and transaction type.

04
Apple Pay & Google Pay

Apple Wallet and Google Wallet support is being rolled out in stages; current availability is shown in the account.

05
Foreign card — topped up in crypto or rubles

You get a foreign (non-Russian) virtual Visa/Mastercard for international payments, and top it up the way that suits you: USDT (TRC-20 or BEP-20), Toncoin (TON) — or rubles via SBP, the Faster Payments System.

USDT TRC-20 USDT BEP-20 Toncoin (TON) SBP

Card in Telegram

No bank branch visit: registration and management are online

Step 1

Open the Bot
Go to @VirtCardPaybot and press "Start"

Step 2

Registration
Registration happens through Telegram. Takes less than a minute.

Step 3

Choose a Card
Choose Standard or Apple / Google Pay — for your needs.

Step 4

Top Up Your Balance
Send USDT (TRC-20 or BEP-20) or Toncoin (TON) to your personal address — credited after network confirmation. Rubles — by SBP transfer.

Step 5

Pay online
Netflix, ChatGPT, Amazon, Booking — where the service accepts card payments.

Get Your Card in Telegram
USDT · TON · SBP

Top-Up via USDT, TON — and Rubles via SBP

Send USDT (TRC-20 or BEP-20) or Toncoin (TON) to your personal wallet address for the chosen network. Credit timing depends on network confirmations and internal checks; network fees are paid by the sender. Rubles are topped up via SBP (Faster Payments System) from your banking app.

Instant Credit No Limits Personal address only
₮
₿
Ξ
Top Up Now →

Apple Pay and Google Pay — Coming Soon

Card linking will be available soon.

Apple Pay

Soon you will be able to add your VirtCardPay card to Apple Wallet. We will announce the launch.

Google Pay

Soon you will be able to add your card to Google Wallet. Stay tuned for updates.

Pay for foreign online services

Many platforms and stores accept international cards; availability depends on service rules.

Step-by-step payment guides →

Netflix
Spotify
HBO Max
Amazon Prime
YouTube Premium
Disney+
Crunchyroll
SoundCloud
Tidal
Deezer
Audible
Hulu
ChatGPT Plus
Midjourney
Claude AI
Runway ML
ElevenLabs
Perplexity AI
Suno AI
Kling AI
Stable Diffusion
GitHub Copilot
Jasper AI
Cursor AI
Booking.com
Airbnb
Uber
Trip.com
Hotels.com
Expedia
Agoda
Skyscanner
Kayak
Rentalcars
GetYourGuide
Klook
Amazon
eBay
Etsy
Shopify
ASOS
Zara
H&M Online
iHerb
Farfetch
SSENSE
Net-A-Porter
Myprotein
Notion
Figma
Adobe CC
GitHub
Slack
Zoom
Canva Pro
Dropbox
1Password
Loom
Linear
Vercel
Steam
PlayStation
Xbox
Epic Games
Nintendo
GOG
Humble Bundle
EA Play
Ubisoft+
Roblox
Battle.net
Twitch
Coming soon

Subscriptions and service top-ups

We are preparing direct payment for subscriptions and top-ups of game and service wallets — right inside the bot. Below are the categories we are working on; the flow is not live yet.

AI services Soon

Paid plans for AI assistants, image and audio generation.

ChatGPT Claude Midjourney Gemini Perplexity Suno ElevenLabs GitHub Copilot
Games Soon

Wallet top-ups and game-store purchases.

Steam PlayStation Store Xbox Epic Games Nintendo eShop Battle.net Roblox Riot Games
Subscriptions Soon

Streaming, music and software plans on a monthly basis.

Netflix Spotify YouTube Premium Apple Music Adobe Disney+ Notion Canva
Advertising Soon

Ad-account budgets for the main platforms.

Google Ads Meta Ads TikTok Ads Telegram Ads LinkedIn Ads X Ads Reddit Ads Yandex Direct

Please note: the section is being prepared: the list of services, terms and limits may change by launch. Brand names are given only to describe payment scenarios — VirtCardPay is not an official partner or reseller of these services. Today you can pay for them yourself with a VirtCardPay card, where the service accepts card payments.

Get notified about the launch

Choose Your Card

Card options for different payment scenarios. Top up in USDT (TRC-20 or BEP-20), TON or rubles via SBP.

VirtCardPay
474362 ••••
VISA · USD
VirtCardPay
519759 ••••
MC · EUR
Standard
Basic virtual card USD & EUR for online payments
USD · VISA EUR · Mastercard
Opening Fee $3 / €3 + 4%$3 / €3 + 4%
Top-Up Commission 4%
Crypto→USD/EUR Conversion Binance rate +1%
Min. Top-Up $10 / €10
Max. Top-Up $15,000 / €15,000
3D Secure
Apple Pay
Google Pay
Offline Store Payments
Total to start: from $34.50
How the fee is calculated
Get in Telegram
VirtCardPay
519759 ••••
MC · USD/EUR
Apple / Google Pay — soon
Virtual card with Apple Pay and Google Pay support will be available soon
USD · Mastercard EUR · Mastercard
Opening Fee —
Top-Up Commission —
Crypto→USD/EUR Conversion Binance rate +1%
Min. Top-Up —
Max. Top-Up —
3D Secure
Apple Pay
Google Pay
Offline Store Payments
Total to start: —
How the fee is calculated
Get in Telegram

Transparent Payment Terms

Before issuing or topping up a card, check the current fees, limits and availability of your payment scenario in your account.

Fees & Exchange Rate

The issue cost, top-up fee and conversion to USD/EUR are shown before the operation. The blockchain network fee is paid by the sender.

Limits & Availability

Minimum and maximum amounts depend on the card type. Some services, regions and purchase categories may restrict card acceptance.

Holds & Refunds

Hotels, travel services and subscriptions may make verification charges or temporary holds. Refund timing depends on the merchant and the payment network.

Important: VirtCardPay is not an official partner of OpenAI, Anthropic, Google, Apple, Midjourney, Suno, Visa, Mastercard, Netflix, Booking or any other brands mentioned. Names are used only to describe typical payment scenarios.

Our Advantages

Clear terms, notifications, and support for online payments.

0% fee on card payments

Pay with your card in services and stores with no extra payment fee. Only the purchase amount is charged.

Credited After Network Confirmation

USDT or TON top-up is usually credited after blockchain confirmation; exact timing depends on the network and checks.

Telegram Support

We are online in Telegram and will reply to your questions.

Works in 200+ Countries

The card can be used where the merchant and payment network support this transaction type. Some services, regions, or purchase categories may be restricted.

VirtCardPay in Numbers

50 000+
Active Users

Clients from 40+ countries trust us for daily payments

120 000+
Cards Issued

Visa and Mastercard for online payments worldwide

4.9 / 5.0
Average Rating

Based on user reviews in Telegram and independent platforms

Frequently Asked Questions

In the @VirtCardPaybot bot or in your account, open "Top Up" and choose a network: USDT TRC-20, USDT BEP-20 or TON. You will receive a personal wallet address for the chosen network. Send funds to this address — they will be credited within minutes after network confirmation. Rubles are topped up via SBP.
Three crypto networks are supported: USDT TRC-20 (TRON), USDT BEP-20 (BNB Smart Chain) and Toncoin (TON). Important: only native Toncoin is credited to a TON address — jettons (including USDT on TON) are not credited. Always send funds only to your personal address for the matching network. Rubles are topped up separately — via SBP.
Yes. Ruble top-up goes through SBP (Faster Payments System): you pay from your banking app, and the amount lands on your card balance. The current rate and fees are always shown in @VirtCardPaybot and in your account before you confirm.
Yes. VirtCardPay issues virtual Visa and Mastercard in USD or EUR for online (card-not-present) payments, so subscriptions to ChatGPT Plus, Claude, Perplexity, Gemini, Midjourney, Runway, Cursor and GitHub Copilot can be paid with it. Keep the monthly price plus a small buffer on the card before the renewal date; some services also check the account region. Step-by-step guides are in the blog.

ChatGPT Plus · Claude · Perplexity, Cursor, Copilot · Payment declined?

Yes. Booking.com, Airbnb, Agoda, airlines, car rentals and ride-hailing apps accept international Visa and Mastercard. Hotels and rental companies place a pre-authorization hold that is released later, so keep a buffer above the booking price. Fees and the current exchange rate are shown before every top-up.

Travel payment guides

VirtCardPay issues virtual Visa and Mastercard with full details: number, CVV, expiry date. We do not issue physical cards.
3D Secure is used for supported operations. Do not share confirmation codes, passwords, or full card details in chats or on third-party websites.
The card can be used where the relevant payment networks are supported. Availability of specific services depends on their rules, region, and transaction type.
Current minimum and maximum top-up amounts depend on card type and are always shown in the personal account under "Tariffs & Limits".
After registration, open the "Support" section in your account. You can also email virtcardpay@gmail.com.
The USD Standard card is designed for online services such as ads, domains, hosting, subscriptions, and games. The EUR card is intended for a broader range of everyday scenarios, including taxi and physical-goods stores, where the merchant supports the transaction.
The Apple/Google Pay card is being rolled out in stages. Always check current issuance conditions and fees in "Tariffs & Limits" in your personal account.
Current BINs, payment networks and card parameters are available in your personal account in card and tariff sections.