Plati po miru review — virtual card: fees, legal entity, restrictions
Plati po miru — The rate is published and differs by plan: 6, 13 and 20 % spread. Russian legal entity
Your contract is with KAPIBARA LLC, registered in Russia (issuers are banks in Hong Kong and Spain) — that is the party any claim goes to. No verification is required: the card is issued without documents, in about 2 minutes. Top-up: SBP, Russian card.
At a glance
| Legal entity | KAPIBARA LLC |
|---|---|
| Registration number | INN 9703231520, OGRN 1257700507965 |
| Jurisdiction | Russia (issuers are banks in Hong Kong and Spain) |
| Public offer | not found |
| Verification | not required |
| Card issued in | about 2 min |
| Cards per account | 3 |
| Currency | USD |
| Top-up methods | SBP, Russian card |
| Data verified | vendor-stated |
Plans
| For subscriptions | 2 990 ₽ · The worst rate in the line-up: a 20 % spread. Yet this is the card the vendor recommends for ChatGPT and AI services |
|---|---|
| For travel | 3 990 ₽ · Hotels, flights, terminals, 190 countries. ChatGPT usually does NOT go through because of OpenAI restrictions |
| Premium | 14 990 ₽ · The best rate in the line-up — a 6 % spread. It repays the 12 000 ₽ difference at about 1 073 $ of turnover |
What to know before buying
- The liability cap is not disclosed.
- Balance when blocked: not disclosed.
- Balance on expiry: withheld.
- Support: telegram, 24/7.
- 3-D Secure is available — some shops decline payments without it.
- A billing address is provided — US sites require one.
Restrictions
The service explicitly forbids paying for: ChatGPT / OpenAI on the “For travel” plan.
Blocking also follows repeated failed payment attempts and any suspicion of compromised details; unblocking takes 1–2 business days. Apple Pay is unavailable in Russia. Linking to an Apple ID with a Russian region usually fails — the account and card regions must match. Transfers to other accounts are unavailable; the card is for purchases only. There is no PIN.
What a payment will cost
The exact figure is worked out by the catalogue calculator: it adds the top-up fee, the exchange-rate markup and the subscription in one go. Open the cards table.
Worth keeping in mind
If you go with Plati po miru, it is sensible to do not try to pay for ChatGPT / OpenAI on the “For travel” plan — the service forbids it outright; remember the figures above are vendor-stated and we have not re-checked them.