Wayment review — virtual card: fees, legal entity, restrictions
Wayment — The only one of the seven to name its BIN. The balance is not forfeited when the card expires
Your contract is with LVLUP LIMITED, registered in Hong Kong — that is the party any claim goes to. No verification is required: the card is issued without documents, in about 5 minutes. Top-up: SBP, Russian card.
At a glance
| Legal entity | LVLUP LIMITED |
|---|---|
| Registration number | 77106962 |
| Jurisdiction | Hong Kong |
| Public offer | yes |
| Verification | not required |
| Card issued in | about 5 min |
| Cards per account | 3 |
| Currency | USD |
| Top-up methods | SBP, Russian card |
| Data verified | vendor-stated |
Plans
| For subscriptions | 2 990 ₽ · 0.3 $ per transaction below 30 $, zero above 30 $. The only Wayment card documented as paying for ChatGPT and Claude. No Apple Pay |
|---|---|
| For travel | 3 990 ₽ · Shares BIN 524013 with the premium card — physically one card programme. Not suitable for ChatGPT or Claude |
| Premium | 7 990 ₽ · The same BIN and the same feature set as the travel card. The 4 000 ₽ difference buys a better rate and service tier |
What to know before buying
- Liability cap: the fees paid over the last 3 months. That is the most the service will return if it errs — not the balance on your card.
- Balance when blocked: withheld.
- Balance on expiry: returned.
- Support: telegram, 12:00–00:00 Moscow time.
- Refunds are not supported. Money for a cancelled subscription may never come back.
- 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: OnlyFans, Fansly.
Unattended petrol stations are singled out as a trap when renting a car abroad. No chargeback is provided — you pursue the merchant dispute yourself. Inside Russia contactless does not work on any of the cards.
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 Wayment, it is sensible to keep no more on the card than the next payment: the balance is withheld if it is blocked; do not count on getting money back for a cancelled subscription; do not try to pay for OnlyFans, Fansly — the service forbids it outright; remember the figures above are vendor-stated and we have not re-checked them.