No ID, three tiers, USD only: what the Wayment card actually gives you
Available in US
The conditions described below are current as of October 28, 2026.
The Wayment card is a virtual, USD-only payment card that you order and pay for inside Telegram, top up from a Russian bank or with cryptocurrency, and then spend abroad or on foreign services. There is no passport check, no physical card, no cash withdrawal, and no published list of who may hold one. That combination is genuinely useful for those who need to pay for services abroad from a balance they can actually load. For many, it is a narrow tool with a per-payment charge, a conversion loss on non-USD spending, and a company registered in Hong Kong that does not name its banks.
My overall score is 4.6 / 10.
Verdict
I scored Wayment 4.6 out of 10. The single biggest reason is not a defect but a shape: the card does a small number of things, and it charges a flat fee every time you use it. The second reason is that the parts of the product you would want to inspect — which countries may hold it, which bank issues it, which licences stand behind it, what happens to your balance if you delete the account — are not on the public pages.
Here is how the score breaks down, criterion by criterion.
| Criterion | Mark | Why |
|---|---|---|
| Who can get it | 5 / 10 | A Russian-language service for paying foreign services from Russia; no country list and no citizenship rule published, while the card itself works offline in 190+ countries |
| Cost | 3 / 10 | Subscriptions 2,990 RUB, Travel 3,990 RUB, Premium 7,990 RUB; after a free first year the annual fee equals the price; a payment costs $0.30–$0.50 USD, a failed one $0.50, conversion “typically up to 2%”, top-up 0% |
| Top-up options | 4 / 10 | SBP from any Russian bank and cryptocurrency through the app; coins and networks not disclosed, minimum $10 |
| Reliability and complaints | 6 / 10 | LVLUP LIMITED, Hong Kong (reg. 77106962); issuer is a Singapore bank for Subscriptions and an Armenian bank for Travel and Premium, neither named; no specific complaints found, crmindex.ru shows 5 out of 11 reviews |
| Everyday use | 5 / 10 | Virtual USD card only, up to 3 cards; Apple Pay, Google Pay, Alipay, WeChat Pay on Travel and Premium, Google Pay and Alipay on Subscriptions; no ATM |
| Total | 4.6 / 10 | A workable tool for its stated audience, thin on the details that decide trust |
Who should look at this card: any user whose regular spending involves paying foreign services, who is comfortable with a Telegram-based interface and with loading money in advance rather than drawing from a bank account. The audience the card actually serves is Telegram-centred, and the site says it claims 10,000+ active users and 15,000+ cards issued.
Who should not: anyone who needs a bank account with chargeback rights, cash, a physical card, a card in their home currency, or a provider that will tell them in writing who issues it and under which licence. If you are outside Russia and want an ordinary multi-currency travel card, a mainstream bank card will serve you better and cost you less per payment.
Will they give you the card
Yes — on the face of it, almost anyone can. Wayment is a Russian-language service for paying foreign services from Russia, and no country list and no citizenship or residence rule are published. So there is no published rule that excludes you, and no published evidence of what happens if you are not a Russian resident.
The card itself is built to work abroad: the site says a card works in “190+ countries” for offline payment. That is about where the card is accepted, not about who may register. Those are two different questions, and only the first has an answer on the public pages.
One thing the help centre does warn about is that Apple Pay and Google Pay are restricted in some countries, Russia among them. That is a statement about the mobile wallets, not about the card: if your plan gives you Apple Pay or Google Pay, that feature is not usable from every country the card itself works in.
Two absences are worth naming plainly, because you will not find them anywhere else on the public site: no citizenship rule, and no residence rule. There is also nothing stated about what a Russian user should do about the balance if the service becomes unreachable from Russia, and nothing about how the card is treated under the country’s own rules. I am not going to guess at any of that, and you should not either — if it matters to you, it is a question to put to support before you load money.
How to get it
The signup is as short as it gets. The card’s own pages say no passport or identity verification is required. Registration runs through a Telegram account, and after issuance only an email address is needed. The stated steps: register in the Telegram app, pay the tier price, and the card is issued “within a couple of minutes”.
There are no KYC levels and no identity checks at all, which is also the single most important thing to understand about this card. You are not opening a bank relationship. You are buying access to a payment instrument held by a Hong Kong company.
What you get:
- A virtual card only — number, expiry date and CVV. There is no physical delivery and none is planned.
- Up to 3 cards per account.
- Currency: USD. That is the only currency the card holds.
- Validity: 5 years on Subscriptions; 2.5 years on Travel and on Premium.
- The payment network is not stated by the official pages. A third-party catalogue says Mastercard and Visa; treat that as unofficial and unconfirmed by the card.
If you were hoping to add the card to Apple Wallet the day it arrives, check your tier first. Apple Pay is only on Travel and Premium.
Fees and what a payment really costs
The headline is a tier price: 2,990 RUB for Subscriptions, 3,990 RUB for Travel, 7,990 RUB for Premium. The first year of service is free; after that the annual fee equals the tier price, so the second year costs the same as the first.
Per payment, the charge is flat and it is not small. Subscriptions charges $0.30 on payments up to $30 and nothing on larger ones. Travel and Premium charge $0.50. A failed payment costs $0.50 on every tier. On Subscriptions, each 3D Secure code costs $0.03 (free on the other tiers), and a $0.20 bank fee may apply to verification checks on the same tier. Conversion loss on non-USD payments is “typically up to 2%”. Top-up is 0%.
Here is the whole cost picture in one place.
| Fee or limit | Subscriptions | Travel | Premium |
|---|---|---|---|
| Issuance and first year | 2,990 RUB | 3,990 RUB | 7,990 RUB |
| Annual fee after the free first year | 2,990 RUB | 3,990 RUB | 7,990 RUB |
| Successful payment | $0.30 on payments up to $30, none above $30 | $0.50 | $0.50 |
| Failed payment | $0.50 | $0.50 | $0.50 |
| 3D Secure code | $0.03 each | free | free |
| Verification bank fee | $0.20 may apply | not stated | not stated |
| FX conversion loss | typically up to 2% on non-USD payments | typically up to 2% | typically up to 2% |
| Top-up | 0% | 0% | 0% |
| ATM / cash withdrawal | not supported | not supported | not supported |
| Transfers out | not supported | not supported | not supported |
| Daily limit | $50,000 | $50,000 | $50,000 |
| Monthly limit | $200,000 | $200,000 | $200,000 |
Now put that against real payments.
A $10 subscription renewal on Subscriptions costs $0.30 in card fees, or 3% of the payment, before the conversion loss if the service prices in anything other than dollars. A $50 grocery run on Travel costs $0.50, or 1%. A $2 coffee on Travel costs $0.50 — a quarter of the purchase — plus up to 2% conversion. That flat fee is why this card does not work as an everyday spending card; it works where each payment is large enough for $0.50 to disappear into it.
A declined payment is the case to watch. You pay $0.50 for the attempt even though nothing was bought, and on Subscriptions a decline can also carry the $0.03 code charge or the $0.20 verification fee. If a merchant declines your card repeatedly — which foreign-issued prepaid and virtual cards sometimes attract — you are paying rent on nothing.
The $10 welcome bonus per card is credited on issuance. It is not cashback, and there is no cashback on the card.
How to Top up the card
Two routes, both simple. You can send SBP from any Russian bank, including from a credit card, or send cryptocurrency through the app.
The details that matter:
- Fee 0% on top-up.
- Minimum $10.
- Credited in USD at the service’s internal rate. Premium gets the best rate for SBP and credit-card top-ups.
- Usually a few minutes. If 15 minutes have passed, contact support.
- Network fees are not stated.
- Coins and networks are not listed. The app displays the available options, so what you can send is decided at the moment you send it rather than promised in advance.
That last point is the one I would not gloss over. On a card that supports several chains, sending on a network the provider does not support can mean the deposit is lost or needs manual recovery with no guarantee — blockchain transfers cannot be reversed. The app showing the options is a practical safeguard, but only if you read the screen.
Withdrawals and transfers out are not supported. The balance on deletion or expiry is not described anywhere I could find, so there is no published answer to “what happens to my money if I close this”. Referral bonuses, unlike the balance, can be withdrawn to the Wayment card.
Paying with it every day
Wallets differ sharply by tier, and this is where the tiers actually separate:
- Subscriptions: Google Pay and Alipay.
- Travel and Premium: Apple Pay, Google Pay, Alipay and WeChat Pay.
The practical catch is that Travel and Premium do not work for ChatGPT or Claude. Subscriptions is the tier built for exactly that: it is described as working with ChatGPT and Claude, at $0.30 per payment up to $30.
What is blocked on the card: 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.
The interface is a Telegram mini-app and the bot @WaymentBot, plus the official web cabinet. There is no App Store or Google Play listing, so on a phone without Telegram this card is awkward to live with.
Two more daily-use facts you will want before you rely on it. There is no ATM: cash withdrawals and transfers are not supported, so this card cannot get you cash anywhere. And disputes are handled by the weakest rule I have seen on any card: standard refunds are not issued. Exceptions exist where the fault is Wayment’s and are reviewed case by case through support. 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. In plain terms — if a charge goes wrong and it is not their fault, you are on your own.
Freeze and unfreeze are available in the app at any time, and spending limits can be managed in the bot (the latter according to a third-party source). Two-factor authentication and how funds are safeguarded are not stated. Custody is the part I would want in writing: the balance is held in the service, with a virtual card linked to a Wayment account. Your money sits with the provider until you spend it.
What can go wrong
The company is LVLUP LIMITED, registered in Hong Kong (reg. 77106962), at 7/F MW Tower, 111 Bonham Strand, Sheung Wan, Hong Kong. The issuing bank is a Singapore bank for Subscriptions and an Armenian bank for Travel and Premium. Neither bank is named, and no licences are named either. For a Hong Kong company issuing through unnamed banks in Singapore and Armenia, that is a thin disclosure stack — not evidence of wrongdoing, just an absence of anything you can check.
On complaints, I found no specific ones. The aggregator crmindex.ru shows 5 out of 11 reviews, text not visible. A Russian catalogue also notes that cash withdrawal is not available, which matches the card’s own pages. The service’s own ratings are 4.9 on Yandex Maps, 4.9 on Exnode and 5.0 on Otzovik; 1000bankov.ru shows 4.5 from 898 votes for the site rather than the card. There is no Trustpilot page, which is consistent with a Russian-language service. What the site claims, and what I could not verify independently: 10,000+ active users and 15,000+ cards issued.
Then the structural risks, which matter more than the complaint count:
- Custody. Your balance is held by the provider. Categories of custodial platform have failed before with losses reported at roughly $350 million (Mt. Gox, 2011–2014), $400 million (Coincheck, 2018) and $625 million (Ronin Network, 2022).
- No refunds by default. Standard refunds are not issued. Your chargeback route is thin — a fact worth more weight than any star rating.
- No cash exit. Withdrawals and transfers are not supported, so money on the card can be spent but not taken out.
- Balance on exit is undefined. What happens on deletion or expiry is not described.
- A decline still costs you. $0.50 per failed payment, on every tier.
- Premium lasts 2.5 years. Validity is 2.5 years for Travel and Premium, 5 years for Subscriptions — and after the free first year you pay the tier price again.
- Blocked categories are wide. Utilities, pharmacies, fuel and gambling are off the table, so ordinary household spending is out of reach.
- Regulatory reality. Cards in this category depend on separate licences: the card is a payment service under e-money or payments law, while the crypto side falls under crypto regulation. Visa and Mastercard do not issue crypto cards themselves — they license issuers and can suspend programmes. Visa terminated its global agreements with FTX on 13 November 2022 and the FTX US debit card was wound down. Card programmes do close, and closures typically mean a notice period, then spending and loading stop, then users are asked to withdraw balances.
- Foreign BINs get declined. Merchants can look up the issuing institution and country from the card number and apply extra scrutiny when the issuer country differs from the billing address. That is a plausible everyday cause of a failed payment — and a failed payment here costs $0.50.
- Wallet tokenisation. Apple Pay replaces the card number with a device-specific number and each payment uses a one-time dynamic code, and an issuer can restrict a tokenised number to specific channels. Your phone-wallet setup is not the same object as your card number.
What to take instead
If you need something else, three alternatives in the same category, compared with what they publish. None of them is Russian-market-focused, and none of them is a free ride — read the limits, not just the fees.
| Azul Card | Telecard | OnCards | |
|---|---|---|---|
| My score | 5.3 / 10 | 6.1 / 10 | 4.6 / 10 |
| Who | Worldwide except Russia, Belarus, North Korea, Iran, Syria, Cuba, Sudan, Venezuela, Ukraine and the Crimea, Donetsk, Luhansk, Zaporizhzhia and Kherson regions; restrictions apply regardless of nationality | Usable in over 150 countries where Mastercard is accepted; identity check “available in most major regions”; no supported or excluded country list; terms bar only users sanctioned by the US Government, including OFAC | Not stated — no country list, no mention of Russian or Belarusian citizens or residents |
| Card | Virtual only, Mastercard; balance in USD | Virtual Mastercard, instant; no physical or metal card; USD | Virtual Mastercard / Visa “directly in your Telegram”; network not fixed |
| Cost | $20 creation, refunded after $2,000 in spending; $5 monthly maintenance | $5 one-time standard; VIP $49 setup then $19/month; VIP reissuance $15; $99 minimum deposit to activate, stated as “NOT a fee” | Not stated — “simple and clear fees — no hidden charges” |
| Payment fee | $0.25 per transaction | Gas fee 0.5 USDT per successful transaction | Not stated |
| FX | Not stated | 1.5% currency conversion on non-USD payments; FX and cross-border “up to 3% each” | Not stated |
| Top-up | Crypto sent to the card in Telegram; 4% fee; first top-up up to 10 minutes, later 1–5 minutes | USDT on Tron or Ethereum; USDC on Ethereum; Polygon not supported; bank transfers “coming soon” | USDT BEP20 only; bank transfers not accepted |
| Rewards | Referral pays “up to 40% of our fees” from referrals’ transactions | Fiorini per activated friend and cashback when friends spend; cashback rate not specified | Not stated |
How to read that table. Telecard scores highest and is the only one of the three that names its networks and its currencies — but its fee structure is heavier (0.5 USDT gas per transaction, plus up to 3% on FX and cross-border) and it wants a $99 minimum deposit to activate. Azul is the cheapest per transaction at $0.25 and the only one that publishes a clear country list, but that list excludes Russia outright, so it is not an option for the reader who most wants a Wayment. OnCards publishes the least of the three — no country list, no fees, no rewards — and its single top-up rail is USDT on BEP20.
If your problem is “I need to pay foreign services from Russia and nothing else works,” Wayment’s SBP top-up is the feature no alternative in this table has. If your problem is “I want a virtual card that costs less per payment and publishes its rules,” Azul or Telecard may fit better — subject to where you are.
Who I would recommend it to
I would recommend the Wayment card to any reader who pays for foreign services from a balance loaded in advance, who is happy working in Telegram, who spends in dollars or in whatever currency the merchant charges without caring about the 2%, and who treats the balance as spending money rather than savings.
I would not recommend it to someone who needs any of these:
- A physical card in the post.
- Cash from an ATM.
- A refund when a merchant takes the money and does not deliver.
- A clear answer about which bank issues it and under which licence.
- A provider that publishes which countries may hold the card.
- More than three cards, or a currency other than USD.
Two practical checks before you load money: pick the tier by what you actually pay for — Apple Pay and WeChat Pay mean Travel or Premium, ChatGPT and Claude mean Subscriptions, and there is no tier that gives you both — and read the blocked-merchant list against your last month of spending, because utilities, pharmacies, fuel and gambling are all closed and that may rule the card out for you before any fee matters.
On refunds, keep expectations straight: standard refunds are not issued, exceptions are case-by-case, and no time frames are given. If a large purchase goes wrong, the balance on the card is the only thing you have.
Frequently asked questions
What is the Wayment card?
Wayment is a Russian-language service that issues a virtual USD payment card you order inside Telegram and load in advance. You pick one of three tiers, pay its price, and receive a card number, expiry date and CVV within a couple of minutes. There is no physical card, no passport check and no ATM access.
Does the Wayment card require KYC?
No. The card’s own pages state that no passport or identity verification is required: you register with a Telegram account and, after issuance, only an email address is needed. There are no KYC levels and no identity checks. That is convenient, and it also means you have no banking relationship to rely on if something goes wrong.
How much does the Wayment card cost?
The first year is free, then the annual fee equals the tier price: 2,990 RUB for Subscriptions, 3,990 RUB for Travel, 7,990 RUB for Premium. After that, a payment costs $0.30 on Subscriptions up to $30 and nothing above, or $0.50 on Travel and Premium. A failed payment costs $0.50 on every tier.
How do I top up the Wayment card?
You can send SBP from any Russian bank, including a credit card, or send cryptocurrency through the app. The top-up fee is 0% and the minimum is $10. Credit usually arrives in USD within a few minutes at the service’s internal rate. Coins and networks are not published; the app shows what is available at the time.
Can I withdraw money from Wayment?
No. Withdrawals and transfers are not supported, and there is no ATM — cash withdrawal is explicitly unavailable. Referral bonuses can be withdrawn to the Wayment card, but the spending balance itself stays where it is. This card is for spending, not for getting money out.
Is the Wayment card free?
The first year of service is free, but the card is not free after that. From the second year the annual fee equals the tier price. A $10 welcome bonus is credited per card issued, which offsets a fraction of one year’s fee on the cheapest tier.
Is Wayment a bank, and who owns it?
No, Wayment is not a bank. It is run by LVLUP LIMITED, registered in Hong Kong (reg. 77106962). The issuing bank is a Singapore bank for Subscriptions and an Armenian bank for Travel and Premium; neither bank is named, and no licences are named either. Your balance is held in the service, not in a bank account in your name.
Is the Wayment card safe?
It carries no obvious red flags, but it carries real structural risk: your money sits with the provider, and standard refunds are not issued, with exceptions reviewed case by case. You can freeze the card in the app at any time, but two-factor authentication and how funds are safeguarded are not stated. Treat the balance as money you are willing to lose, not as savings.
Is the Wayment card available in my country?
The card itself works offline in 190+ countries, so you can spend it widely. Whether you may hold one is a different question: no country list and no citizenship or residence rule are published. Apple Pay and Google Pay are restricted in some countries, Russia among them, so wallet support is narrower than the card itself.
How do I add the Wayment card to Apple Wallet?
You cannot on Subscriptions — that tier has Google Pay and Alipay only. Apple Pay is available on Travel and Premium, alongside Google Pay, Alipay and WeChat Pay. There is no app store listing, so you add and manage the card through the Telegram mini-app, the bot @WaymentBot or the web cabinet.
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