Wayment, tested on paper: a Telegram-native virtual card with a narrow, well-stated price list

Updated October 2026

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Wayment is a Russian-language service for paying foreign services from Russia. You register in Telegram, pay for a tier, and a virtual card number appears in the app within a couple of minutes. There is no passport check, no identity verification, no physical card in the post — and, in exchange, no cash withdrawals, no transfers, and a fairly narrow set of things the card will actually pay for.

That trade-off is the whole card. I scored it 4.6 out of 10. That is not a dismissal. It is a card that does one job — spending a stored dollar balance on subscriptions and foreign services — and does it with prices that are published rather than buried. Whether that earns a decent mark depends almost entirely on whether your problem is “I cannot get an ordinary bank card that works abroad” or whether you actually want an ordinary bank card. If it is the first, read on. If it is the second, this is the wrong product and the alternatives at the bottom will serve you better.

The conditions described here are current as of October 28, 2026.

Verdict: 4.6 out of 10

The score is dragged down hardest by cost, and that surprises people who assume a no-KYC card is the cheap option. It is not. A 2,990 RUB annual fee that recurs after the free year, plus a fee on every payment, plus up to 2% conversion loss on anything not in dollars, is a real cost structure for a card that only exists as digits in an app.

The audience is very specific: users paying for foreign online services who already use Telegram and want a straightforward, balance-based payment card. The card is documented in its interface and support channels, with a price list that maps clearly to typical spending patterns — from small, frequent subscription payments to larger travel expenses. For those who need a card where they can confirm fees in advance, this is a clear-cut tool. The primary trade-off is the lack of published country lists or citizenship rules; for anyone whose eligibility isn’t obvious, these are questions you cannot answer from the public pages alone.

Who will they give you the card to

Wayment describes itself as a Russian-language service for paying foreign services from Russia, and names Russia as its top-up market through SBP. Beyond that it publishes no country list and no citizenship or residence rule. I want to be plain about what that means: the card’s public pages do not say who qualifies. If your situation is not the one above, you cannot resolve it from the site — you would have to ask support.

The one geographic promise that is made is broad: the card works abroad for offline payments in 190+ countries. The help centre adds a caveat that matters more than it first appears — Apple Pay and Google Pay are restricted in some countries, and Russia is one of them. So “works in 190+ countries” is a statement about the card number, not about the wallets you might want to put it in.

How to get it

Registration is unusually short, and that is both the appeal and the thing to think carefully about. The card states that no passport or identity verification is required. You register with a Telegram account, pay the tier price, and the card is issued within a couple of minutes; an email address is required only after issuance.

What you get is virtual only — a number, an expiry date and a CVV — with no physical delivery. An account can hold up to three cards, the currency is USD, and validity is five years for Subscriptions and two and a half years for Travel and Premium. There are no KYC levels to work through because there are no identity checks to work through.

One thing I could not confirm from the card’s own pages: the network. The official pages do not state it. A third-party catalogue lists Mastercard and Visa, which I mention only because you may see it elsewhere and should know it is not the card speaking.

Fees: what it really costs

This is the section to slow down on, because it is where the 3 out of 10 comes from.

The structure of that table is worth reading twice. The first year is free, and after that the annual fee equals the purchase price — so the price you see at signup is a yearly price, not a one-off. On Subscriptions, the per-payment fee is $0.30 only up to $30 and nothing above; that tier is built for many small charges rather than large ones. Every tier charges $0.50 for a payment that fails, which is the kind of line that punishes you for a shop’s technical problem rather than yours.

The three tiers in practice:

• Subscriptions (2,990 RUB) — payments up to $30 cost $0.30, Google Pay and Alipay, works with ChatGPT and Claude.
• Travel (3,990 RUB) — $0.50 per payment, Apple Pay, Google Pay, Alipay and WeChat Pay, validity two and a half years.
• Premium (7,990 RUB) — extended limits and the best top-up rate, same wallets as Travel.

Note that Travel and Premium do not work for ChatGPT or Claude, and Subscriptions does not give you Apple Pay or WeChat. The tiers are not “more expensive is better” — they are different products.

Top up: how the money gets in

Two routes, both through the app: SBP from any Russian bank, including a credit card, and cryptocurrency. Coins and networks are not listed — the app displays the available options when you open it. That is not a detail I would gloss over: when you are sending an irreversible blockchain transfer, the network matters, and you are expected to read it off the screen rather than from a published list. Minimum top-up is $10, the fee is 0%, and the amount is credited in USD at the service’s internal rate, with Premium getting the best rate on SBP and credit-card top-ups. Crediting usually takes a few minutes; if fifteen minutes have passed, the card points you to support.

Two things the card does not describe: network fees for a crypto deposit, and what happens to a balance if the account is deleted or expires. Withdrawals and transfers are not supported at all, so money goes in and can only come out by being spent — with the exception of referral bonuses, which can be withdrawn back to the Wayment card.

Paying with it every day

What you can actually pay for is defined as much by what is blocked as by what is allowed. Available on all tiers: online purchases with the card number. Available as wallets: Google Pay and Alipay on Subscriptions; Apple Pay, Google Pay, Alipay and WeChat Pay on Travel and Premium.

Blocked across the board: money transfers, quasi-cash purchases (buying crypto, topping up e-wallets), financial services, securities, gambling and lotteries, utilities, pharmacies, oil and fuel, some game-key sites, and 18+ content. Card payments also cannot be used to buy crypto or to top up another wallet — worth remembering if your habit is to move money around your own accounts.

Rewards are thin: no cashback is stated. There is a $10 welcome bonus per card, and $5 per card issued by a friend you invited.

Everything runs through Telegram: a mini-app, a bot at @WaymentBot and a web cabinet. There is no App Store or Google Play listing that I could find, which means this is a product you use inside Telegram rather than an app you install and keep.

On disputes, the card says standard refunds are not issued. Exceptions are considered individually by support where the fault is Wayment’s. For a failed payment, the hold returns automatically; otherwise you contact support with the card, the service, the amount, the date and screenshots. Time frames are not stated.

What can go wrong

The honest list is short on complaints and long on structure.

On complaints, I found nothing specific. There is no Trustpilot page, which is unsurprising for a Russian-language service. The aggregator crmindex.ru shows 5 out of 11 reviews, with the text not visible. The card’s own site shows ratings of 4.9 on Yandex Maps, 4.9 on Exnode and 5.0 on Otzovik; a catalogue at 1000bankov.ru shows 4.5 from 898 votes for the site, which is a site rating and not a card rating. On its own numbers the service claims 10,000+ active users and 15,000+ cards issued. Nothing else about the company’s news or history is stated.

The company is LVLUP LIMITED, registered in Hong Kong (reg. 77106962), 7/F MW Tower, 111 Bonham Strand, Sheung Wan. The issuing bank differs by tier: a Singapore bank for Subscriptions, an Armenian bank for Travel and Premium. Neither bank is named, and no licences are named. That combination — a Hong Kong operator, two unnamed issuing banks in two different jurisdictions, no named licence — is the main thing I would want a reader to hold onto. The card works offline in 190+ countries because a network issuer will authorise a transaction almost anywhere; that is reach, not a licence, and it is not the same thing.

Custody is worth understanding before you top up. Your balance is held in the service; the virtual card is linked to a Wayment account. You can freeze and unfreeze the card in the app at any time and set spending limits in the bot, but two-factor authentication and safeguarding arrangements are not stated. What is not stated is the part that decides whether a freeze helps you.

Then there is the category risk, which is not about this card specifically. A crypto card sits on top of at least two moving parts: the crypto side and the card side. Providers have failed. Custodial platforms have a record of it — Mt. Gox, Coincheck, Ronin Network — and holding funds with a custodian carries counterparty and hack risk that no in-app freeze button removes. Card programmes have been shut down too: Visa terminated its global agreements with FTX on 13 November 2022 and the FTX US debit card was wound down; WaveCrest, a Visa issuer that supplied several crypto card brands, was suspended by Visa in Europe in 2018. Closures typically follow a pattern — a notice period, then spending and loading stop, then users are asked to withdraw remaining balances. For a card like this one, where withdrawals are not supported, that last step is the one to think about.

Two more everyday ones: a declined authorisation can leave a hold on your balance for several days, and merchants may treat a foreign-issued prepaid card differently from a domestic one, because the card’s first digits identify the issuing institution and country. Some shops decline those cards as a matter of policy rather than law.

If you are the kind of reader who wants the general picture on why cards like this behave the way they do, the mechanics are worth five minutes: a card number’s first six or eight digits identify the issuer, shops can look that up, and prepaid cards draw on a stored balance rather than a linked account — so this card can never overdraw, but it can also always be empty.

Support, when you need it, is Russian-language: Telegram bot @WaymentSupBot, email [email protected], a knowledge base at help.wayment.net, daily 09:00–00:00 MSK.

What to take instead

These are the cards I would look at instead, on the same question — can I pay for a foreign service without an ordinary bank card. They are not better in every way; the scoring reflects the same kind of judgement I applied to Wayment.

Ape Wallet — 5.5 / 10. No country list given; the site says the card works wherever Visa is accepted, and it has a Russian focus, with SBP payments and passport KYC that uses a Russian passport. Two virtual cards: a “service card” for subscriptions and online payments, and an Apple Pay / Google Pay card. Issuance price not stated — promo codes change it, and holders of an active Apple or Google Pay card get a discount on the service card. No fee amounts are published; the site says the fee and total appear before you confirm any operation, and transfers to other users by Telegram username are free. Balance is held in USDT. No cashback stated; a two-level referral programme pays a share of invited users’ card purchases, percentages not given. It asks for a passport where Wayment does not.

MaxSwap — 5.2 / 10. Virtual only, Mastercard; currency not stated on the home page, though fees are quoted in USD. Card costs 50 USD with a 25 USD first deposit required, total issuance listed as 77.125 USD; monthly fee not stated. Top-up 4.5% plus $1, transaction 0.25 USD plus 0.4%, and no separate FX rate given. Who qualifies is not stated, though the site claims no geographical restrictions. Crypto funding with a long published network list, including ADA, ALGO, AVAX, BCH, BNB, BTC, DOT, ETH, HBAR, HT, KRRX, LINK, LTC, MATIC, NEAR, SHIB, SUSHI, TON, TRX, UNI, USDC, USDT, XLM and XRP. No cashback stated.

AnoCard — 5.9 / 10. The highest-scoring of the three, and the least documented on the page I could read: who qualifies is not stated there. Virtual cards, reloadable and one-time products from several BINs, chosen with filters in the SORN web dashboard; network and currency depend on the BIN. Creation fees vary by BIN and some products carry a maintenance fee, all shown in SORN before payment; top-up percentage and minimum depend on the asset route and are likewise shown before payment. Top-up route depends on the asset, with SOL, BTC, USDT, USDC, ETH and more available via Telegram bot or web dashboard — starting data I could not verify here. No cashback stated; the referral programme pays $5 per referred card creation and 0.25% of referred top-ups.

Two comparisons worth drawing out. On transparency of price, Wayment is ahead: it publishes numbers, while AnoCard shows figures inside its dashboard and Ape Wallet publishes none. On fee level, MaxSwap’s 4.5% plus $1 top-up is a different shape of cost from Wayment’s 0%, and its per-transaction charge is higher relative to a small payment. What none of these cards shares with Wayment is the combination of no KYC, a Telegram-only flow and a low stated top-up fee; if that combination is what you need, the comparison is closer than the scores suggest.

Who I would recommend it to

I would recommend Wayment to a user whose recurring problem is paying for foreign services — subscriptions, AI tools, foreign merchant sites — who already uses Telegram and treats a stored balance as a feature rather than a limitation. I would recommend it specifically for someone who values knowing the price in advance and who does not need cash, transfers, or a card that is locally issued.

I would not recommend it to anyone who wants to spend from a normal bank balance without thinking, to anyone who needs cash, to anyone travelling with the card as a primary payment method because a wallet in Russia is restricted, or to anyone who plans to hold a large balance for a long time. That last one is not fear; it is arithmetic. With no withdrawals and no named issuer or licence, the balance is only as recoverable as the service is willing to make it.

If your situation is one where you do not want to hand over a passport, understand what you are giving up rather than what you are gaining: your money sits with a Hong Kong company, the issuing banks are unnamed, disputes are handled case by case with no stated time frames, and the card cannot pay for the ordinary things a card pays for. Take it for the narrow job it does well, and keep the balance small.

Frequently asked questions

What is the Wayment card?

Wayment is a Russian-language service for paying foreign services from Russia. It issues virtual cards — number, expiry and CVV, with no physical card — that you register for through a Telegram account. You top the balance up and spend it, and it is built around online payments and mobile wallets rather than cash. It is a payment tool, not a bank account, and its pages do not present it as one.

Does the Wayment card require KYC or a passport?

No. The card states that no passport or identity verification is required. Registration is with a Telegram account, and an email address is needed only after the card is issued. There are no KYC levels because there are no identity checks — which is convenient, and worth weighing against what it means for how disputes and freezes will work.

How much does a Wayment card cost?

Issuance is 2,990 RUB for Subscriptions, 3,990 RUB for Travel and 7,990 RUB for Premium. The first year of service is free, and after that the annual fee equals the tier price. Successful payments cost $0.30 on Subscriptions up to $30, and $0.50 on Travel and Premium; failed payments cost $0.50 on all tiers.

What are the other fees on a Wayment card?

Top-ups are charged at 0%. Payments in a currency other than USD carry a conversion loss “typically up to 2%”. On Subscriptions, each 3D Secure code costs $0.03 and a $0.20 bank fee may apply to verification checks; both are absent from the other tiers. There is no ATM, so cash withdrawals and transfers are not supported at all.

Can I withdraw money from Wayment?

No. Withdrawals and transfers are not supported — the card spends a stored balance, and that balance goes out only by being spent. The exception is referral bonuses, which can be withdrawn to the Wayment card. The balance held on deletion or expiry is not described on the card’s public pages.

How do I top up a Wayment card?

Two ways: SBP from any Russian bank, including a credit card, and cryptocurrency through the app. The fee is 0% in both cases, the minimum is $10, and the amount is credited in USD at the service’s internal rate — Premium gets the best rate on SBP and credit-card top-ups. Coins and networks are not published; the app shows the options.

Is Wayment a bank or a safe place to keep money?

It is neither, on the evidence published. The operator is LVLUP LIMITED in Hong Kong, the issuing bank is a Singapore bank for Subscriptions and an Armenian bank for Travel and Premium, and neither the banks nor any licences are named. Your balance is held in the service, not in a bank account in your name, so treat it as a payment balance rather than savings.

Which wallets can I use with the Wayment card?

Subscriptions works with Google Pay and Alipay. Travel and Premium add Apple Pay and WeChat Pay, giving all four. That last part is where geography bites: Apple Pay and Google Pay are restricted in some countries and the help centre names Russia among them, so the wallet may not work where the card number itself would.

What can I not buy with the Wayment card?

Blocked are money transfers, buying crypto or topping up e-wallets, financial services, securities, gambling and lotteries, utilities, pharmacies, oil and fuel, some game-key sites, and 18+ content. Travel and Premium also do not work for ChatGPT or Claude, which only Subscriptions covers. Cash withdrawals are not supported at all.

Can I get a refund if something goes wrong?

Standard refunds are not issued, according to the card. Exceptions are considered individually by support where the fault is Wayment’s. For a failed payment, a hold returns automatically; otherwise you contact support with the card, the service, the amount, the date and screenshots. No time frames are stated, and the service is Russian-language, on Telegram at @WaymentSupBot, by email at [email protected], and daily 09:00–00:00 MSK.

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