Pay Worldwide

Convenient international payment service

Pay Across the World is a service for international payments. I use it to pay for foreign services. Pros: favorable exchange rate, fast transfers, user-friendly interface. I recommend it.

Date of experience: апр 18, 2026

A service for creating virtual cards for payments in foreign services and abroad. It offers two options: - Online payment - Offline payment (the card is purely virtual, so Google Pay or Apple Pay must be used for transactions). The currency choice for the card is available in USD or EUR. The application process takes just a couple of minutes, after which the user is provided with all the necessary details to use the card. The balance can be topped up in rubles through the SBP, and the money is automatically converted into the required currency. To make a payment, simply enter the card details on the website.

Date of experience: фев 06, 2025

When transferring money to a card via the SBP, it gets converted into dollars or euros. This is done not at the official exchange rate, but at an internal rate that is about 10% higher. For example, at the beginning of November, the euro exchange rate was around 93 rubles according to the Central Bank, while the internal exchange rate used for the conversion was 102 rubles. Overall, this isn't critical, but I would like to explore alternative ways to top up, possibly with lower fees. I have no other complaints. The service is excellent; it allows for payments abroad where Russian cards are not accepted. It's a wonderful payment method for those who do not have a foreign bank card. The service integrates with Google Pay, allowing payments via phone, similar to Mir Pay. Payments are processed quickly and without issues.

Date of experience: авг 24, 2025

I got a card for my trip to Europe, just in case, to have money not only in cash. I added the card to Apple Pay for payments with my phone (they only issue a virtual card, no plastic provided). I immediately topped up the account, and the money was converted to euros at the internal exchange rate. The difference from the Central Bank's rate is minimal (of course, there's a slight discrepancy in favor of the service, but without any excessive greed). Compared to the rates at the exchange offices where I exchanged cash, this is actually advantageous. On the very first day, I tried to pay at a café – everything worked perfectly. I just tapped my phone, and the money was instantly deducted from the card. I was worried that there might be problems, but afterwards, I mainly paid with the card. All transactions went through without any issues.

Date of experience: июл 02, 2024

I pay for premium on Spotify. Everything works great – money is deducted from my card, the subscription is active, and the music plays. There are no blocks. It may not be the most budget-friendly payment method, but I don't want to deal with cryptocurrency, exchanges, and other confusing resources. I've been using Pay for the World for a long time and have personally experienced the reliability of this service. I loaded money from a regular ruble card, it was converted to dollars – and deducted during payment.

Date of experience: дек 01, 2025

I don't understand why there's so much hate. The working conditions are standard – fees for opening, servicing, and transactions. Everyone does this now, and by the way, they charge much more for these services. Here, the fees are lower, plus the first year of service is free. The only thing to nitpick about is that sometimes payments may not go through on certain services. This happens in similar systems, and there's nothing you can do about it. There are significantly more positive aspects. Getting a card is very easy and quick – it takes just a few minutes and can be done through a Telegram bot. You don't need foreign SIM cards, powers of attorney, or anything like that. The card is virtual, there is no plastic equivalent. To pay on websites, you just need to enter the details provided on the card. You can use your own name for convenience. You can top up your balance through the fast payment system with any Russian card.

Date of experience: июл 03, 2024

The service is not free. Don't expect free services because: - Opening a card will require payment (about 3,000 rubles, the exact amount will depend on the exchange rate) - Maintenance will also cost money (around 3,000 rubles per year) - You will also have to pay for transactions. Overall, the fees here are slightly more favorable than in other services. For example, the money paid for opening the card counts towards the first year of maintenance. Additionally, there is no fee for depositing funds, and the amounts are a bit lower. In terms of convenience and reliability, everything is fine. This is an ordinary virtual card for online payments (if imported into a payment app on your phone, it can be used at checkout). Payments go through without delays, and the money is deducted instantly.

Date of experience: дек 22, 2024

If you need to pay for several foreign services, especially on a regular basis, it's worth getting this card. It's truly a great solution. The application process is quick, it's easy to top up, and there are no issues with payments – it's the perfect option. Throughout my time using it, I've never encountered any difficulties. However, if you need to pay for a specific service or make a one-time purchase, it's better to look for an option on a specialized website (for example, ***). It will be simpler and, ultimately, cheaper, as you won't have to pay for the card issuance and the payment commission.

Date of experience: сен 26, 2025

I have been using this service for several months now to pay for streaming, music, and various online entertainment. Previously, I purchased different coupons and keys, but it was not very convenient, and there was a risk of encountering fraudsters. Here, everything is much simpler and more reliable. The best part is the slightly lower prices, including all fees. My card was made very quickly. The registration in Telegram took only a few minutes. You can only top up the account through SBP; there are no other options. However, the money arrives quickly, even if at a slightly different exchange rate. Payments are also processed instantly.

Date of experience: апр 01, 2026

I can't speak for the whole world, but in Turkey, the card worked perfectly. I booked accommodation through Booking, paid in stores, cafes, taxis, and other places using my phone. I never encountered any problems. I topped up my balance in advance in Russia, and it takes about a minute for the funds to be credited. The card itself can be quickly issued; no passport details are needed, and the process takes place in Telegram through a bot. There is a fee for opening the card and markup when topping up and making payments. So, you will have to pay for the convenience. Nevertheless, it is still more cost-effective and convenient than using local exchange services or trying to get a full-fledged bank card somewhere else.

Date of experience: окт 18, 2025