Smart plan
A virtual card with contactless payment support — for offline purchases abroad and travel.
💳 Issuance: $15.
📅 Validity period: 36 months.
💰 Limit: up to $50,000 per month.
🌍 Where to pay: online and contactlessly via Apple/Google/Samsung Pay. The plan is also compatible with Alipay and WeChat Pay.
💸 Purchase fee: $0.50 (+0.2% for contactless payment).
🔁 Service: the card requires an active Plus subscription to work.
Smart plan terms of use
1. General product description
1.1. Virtual cards with a refillable balance. Suitable for online purchases, shopping, hotel bookings, and travel.
1.2. The cards support 3D-Secure technology. Confirmation codes are sent in the Telegram bot.
1.3. The cards support contactless payment via Apple/Google/Samsung Pay in different countries. Exception: the Russian Federation and other countries subject to sanctions restrictions.
1.4. The virtual card is valid for 36 months from the date of issue.
1.5. Issuance region: USA.
2. Fees and charges
2.1. The cost of issuing the card when paying with cryptocurrency is $15. When paying in ₽ — 1,590 ₽. The card requires a minimum deposit of $10.
2.2. Balance top-up is available at the internal exchange rate, which can be viewed in the “Home” section in the Wanttopay mini-app.
2.3. Refilling the card balance via cryptocurrency is done through available tokens and networks in the Wanttopay mini-app. The top-up fee is 7% excluding network fees.
2.4. You can top up the card only through the Wanttopay mini-app using the methods specified in the “Home” section. Direct transfers from other bank or virtual cards are not credited to the balance, even if the funds were debited. Such transfers are non-refundable.
2.5. The card can be topped up from $1 to $5,000.
It is forbidden to top up the card by transfer using the card number. The card is topped up only through the Wanttopay mini-app using the methods specified in the “Home” section.
Any transfers from bank cards, foreign banks, or other virtual cards are not credited and are non-refundable, even if the money was successfully debited.
2.5.1. Use new payment details for each top-up. Payment details can be used only once. A repeat transfer using previously used payment details will not be credited. It is impossible to refund such a transfer, so always use only the current payment details and strictly follow the payment system instructions.
2.6. The maximum spending limit per month is $50,000.
2.7. An active Plus subscription is required to use the card. The subscription costs 6 USDT every 30 days from the date the card is issued. 3 days before the charge and on the payment day, you will receive a notification with a payment link. 2.7.1. A discount is provided when paying for the subscription for 3, 6, or 12 months. Read more here: Plus subscription for cards with the Smart/Easy/Pro plan
2.8. If the subscription is not paid on time, the card is frozen. To unfreeze it, extend the subscription for 1 month or longer in your personal account.
2.9. At the end of the validity period, the card is reissued free of charge, provided the subscription is active.
2.9.1. The fee for a successful transaction is $0.50 (+0.2% for contactless payment).
A fee of $0.50 is charged for a declined transaction, regardless of the reason for the decline.
3. Refund terms
3.1. Smart plan virtual cards are not exchangeable or refundable.
3.2. Funds credited to the balance of a Smart plan virtual card are non-refundable.
4. Restrictions and prohibitions
4.1. Payment for the following categories is prohibited:
Money transfers and transfers to other cards or wallets
18+ content services, dating sites
Cryptocurrency exchanges and exchangers
Online casinos, gambling, betting, lotteries
Gas stations (fuel stations)
Top-up and purchase of prepaid cards
Deposit and surety payments
Third-party e-wallets (WebMoney, Payeer, PayPal, etc.)
Any resources that violate international law
4.2. The cards do not support transfers or withdrawals to any other plastic or virtual cards.
4.3. The cards do not support the ability to withdraw remaining funds to the internal balance.
4.4. It is forbidden to link a card with a zero balance to trial subscriptions. The card may be blocked automatically without the possibility of recovery.
4.5. It is forbidden to make multiple transactions with insufficient balance. Check the balance before payment and unlink the card from services with recurring charges. In case of abuse, the card may be blocked automatically without the possibility of recovery.
4.6. Purchases from merchants from the following countries are prohibited: Afghanistan, Belarus, Cuba, China, Iran, North Korea, Syria, Venezuela, Russia, Myanmar, Somalia, Ukraine, Yemen, Uzbekistan, Kyrgyzstan, Serbia, Lebanon. When paying in the currencies of these countries, the card may be automatically blocked by the issuing bank. 4.7. Activation of promo codes and trial periods with a Smart card is not guaranteed. In this case, the card issuance fee is non-refundable.
5. Support
5.1. For any additional questions, you can contact the Wanttopay support service. We are available from 08:00 to 22:00 (UTC+3).
6. Agreement
6.1. By paying for the card, you accept all the terms of use of the Wanttopay service.
Terms for the previous version of the plan
Some Smart cards were issued under the old terms, so a different version of the rules applies to them. If this is your case, open the previous rules via the link below:
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