# Smart tariff

[➡️ ](https://faq.wanttopay.net/hello/english/old/old/spisok-servisov-dlya-kart-easy)[List of services tested in payment with Mastercard Smart cards](https://faq.wanttopay.net/hello/english/list-of-paid-services.)\
\
**1. General Product Description**

1.1. Virtual cards with a reloadable balance. Perfect for regular purchases on foreign services, shopping, hotel bookings, and traveling abroad.

1.2. The cards support 3D-Secure technology. Users receive authorization codes directly in the Telegram bot chat.

1.3. The cards support contactless payments via Apple Pay outside the Russian Federation or other countries where sanction restrictions are not applied and where these payment methods are supported.

1.4. The validity period of the virtual card is 24 months from the date of issue.

**2. Fees and Commissions**

2.1. The issuance fee for the card is 1,990 RUB. The card requires a minimum deposit and is issued with a balance of $10.

2.2. Payments and balance top-ups in rubles can be made from any Russian bank card at the internal exchange rate, which includes all fees and expenses.

2.3. Balance top-ups via USDT are carried out through the TRC-20 network. The top-up commission is 9%, excluding the network fee applied by the blockchain.

2.4. The card can be topped up for any amount between $3 and $5,000 at the applicable exchange rate, which can be viewed in the “My Wallet” section.

The minimum top-up amount via SBP is $3 + acquiring fee. The minimum top-up amount via USDT (TRC20) is $3 + network fee.

2.5. The maximum monthly spending limit on the card is $50,000.

2.6. To use the card, an active Plus subscription is required, which serves as the monthly maintenance fee. The subscription costs 690 RUB or 6 USDT. The payment is charged every 30 days from the card issuance date. Three days before the payment due date, as well as on the day the service period ends, you will receive a notification and a link to complete the payment.

2.6.1. When paying for a 3, 6, or 12-month subscription, a discount is provided.

For more details: [Subscription for Pro/Smart Plan Cards](https://faq.wanttopay.net/hello/english/subscription-for-pro-smart-easy-plan-cards)

2.7. If the maintenance fee is not paid on time, the card will be frozen. To unfreeze the card, you need to renew the subscription in your personal account for 1 month or a longer period.

2.8. When the virtual card expires, it will be reissued for free, provided that the monthly maintenance fee was paid on time.

2.9. Transaction fees:

{% content-ref url="paid-plan-terms" %}
[paid-plan-terms](https://faq.wanttopay.net/hello/english/wanttopay-usage-terms/paid-plan-terms)
{% endcontent-ref %}

**3. Refund Policy**

3.1. Virtual cards under the Smart plan are non-exchangeable and non-refundable.

3.2. Funds credited to the balance of a Smart plan virtual card are non-refundable.

**4. Restrictions and Prohibited Uses**

4.1. Prohibited categories of goods and services:

* Money transfers
* Adult content services
* Financial institutions, cash withdrawals
* Non-financial institutions — currency exchange, money transfers, crypto exchanges and similar, traveler’s checks, debt repayment
* State lotteries
* Gas stations (fuel stations)
* Online gambling (internet betting, casinos, lotteries, gaming chips)
* Licensed horse and dog racing
* Credit bureau services
* Financial institutions — goods, services, debt repayment
* Dating sites
* State lotteries (in certain countries)
* Reloading and purchasing prepaid cards
* Payment of bail and guarantees
* Other resources that violate the current legislation of the Russian Federation.

4.2. The cards do NOT support transfers or withdrawals to any other plastic or virtual cards.

4.3. The cards do NOT support withdrawal of remaining funds back to the internal wallet balance.

4.4. It is prohibited to use the card with a $0 balance for binding to trial subscriptions. Abuse may result in automatic card blocking by the bank’s anti-fraud system without recovery.

4.5. It is prohibited to make multiple transactions with insufficient funds on the card. Users are advised to check their card balance before making payments and unlink the card from services that charge recurring subscriptions. Abuse may result in automatic blocking by the bank’s anti-fraud system without recovery.

4.6. Any purchases from merchants or service providers located in, or billing from, the following countries are strictly prohibited: Afghanistan, Belarus, Cuba, Iran, North Korea, Syria, Venezuela, Russia, Myanmar, Somalia, Ukraine, Yemen.

If transactions are made in the currencies of these countries, the card and any remaining funds may be automatically blocked by the issuing bank.

**5. Support**

5.1. For any additional questions, you can contact the [Wanttopay service support team](https://t.me/WantToPaySupportBot). We are always happy to assist you from 08:00 to 20:00 (Moscow time).

**6. Agreement**

6.1. By paying for the virtual card, you agree to all terms of use of the Wanttopay service.
