Aimed mainly at Russian-speaking users (the website and help centre are Russian-first, with an English version available); the regions actually available are whatever the Mini App shows.
Key Profile Facts (Categorized)
Fee & Exchange Rate Structure
- Public Fee Summary
- Official pricing page: issuance fees of $0 for Prepaid, $10 for Easy, $15 for Smart and $35 for Pro; the monthly fee is $0 for Prepaid and $6/month for the other three; the minimum top-up is $10; transaction fees are $0.25–$0.50 for Prepaid and Easy, $0.50 for Smart (plus 0.2% on Apple / Google Pay transactions) and $0.50 plus 1% of the transaction amount for Pro; crypto top-up fees are 9% on Easy and 7% on Smart.
- Debit / Deduction Model
- Telegram Mini App multi-tier virtual card model: Prepaid comes in fixed denominations, Easy / Smart / Pro are top-up cards, and whether Apple Pay, Google Pay and in-person spending are supported depends on the tier
Application Eligibility & KYC
- KYC Identity Verification
- KYC required. Identity verification must be completed before a card is issued: the official help centre says the phone number, email and identity are confirmed, and the privacy policy says partners collect ID photos and facial images during KYC. This is not "light KYC".
- Officially supported countries and regions
- Aimed mainly at Russian-speaking users (the website and help centre are Russian-first, with an English version available); the regions actually available are whatever the Mini App shows.
Payment Compatibility & Issuer Rails
- Card Network & Rails
- Visa and Mastercard (the official card-type page lists four tiers; only Smart and Pro are marked as supporting Apple Pay, Google Pay and in-person spending)
- Issuer Arrangement / Payment Rails
- The public offer states that the company is not the issuer, and that the issuer is an unnamed overseas third party. The card BIN is not public, and this page does not speculate about it.
- Apple Pay / Google Pay
- The official pricing page marks Apple Pay only on the Smart and Pro tiers; Prepaid and Easy are marked as not supported.
- Overseas AI Subscriptions
- The official pages say nothing specific about subscriptions such as OpenAI or Claude and publish no charge success rate; this page makes no unverifiable claims such as "industry-leading".
Spending Rewards & Cardholder Perks
- Cashback & Reward Rules
- The official pricing page lists no regular cashback; the site's promotion says only that new users who complete verification within 7 days of signing up receive a 30% discount code on Easy card issuance.
This is a summary of the cited public information, not a complete list of fees or regions and not a guarantee of approval or card access.
Detailed Facts
- Four tiers whose price and capability differ widely
- Official pricing page: Prepaid has $10–200 fixed denominations, a $0 issuance fee and a $0 monthly fee; Easy costs $10 to issue and $6/month; Smart costs $15 to issue and $6/month and supports Apple Pay, Google Pay and in-person spending; Pro costs $35 to issue and $6/month with a $50,000 monthly limit. Decide which tier you need before choosing, rather than looking only at the "$0 monthly fee". [1]
- Identity verification must be completed before a card is issued
- The official help centre says that after tapping "issue card" in the Mini App you must first confirm your phone number, email and identity. The privacy policy adds that partners collect ID photos and facial images during KYC. The "light KYC" description does not hold. [2] [3]
- Everything happens inside the Telegram Mini App
- Sign-up, verification, card issuance and top-ups all happen inside the Telegram Mini App, with no standalone app to download; wanttopay.net carries only an introduction, pricing and legal documents. [1]
Issuing, mobile wallets and AI subscriptions
- Card network listed in the comparison source
- Visa / Mastercard (the official site does not list a card network per tier)
- Issuer arrangement / BIN
- The public offer states that the company is not the issuer, and that the issuer is an unnamed overseas third party. The card BIN is not public, and this page does not speculate about it.
- Apple Pay
- ✅ Explicitly stated in official materials: The official pricing page marks Apple Pay only on the Smart and Pro tiers; Prepaid and Easy are marked as not supported.
- Google Pay
- ✅ Explicitly stated in official materials: As above: the official pricing page marks Google Pay only on the Smart and Pro tiers.
- AI subscriptions such as ChatGPT and Claude
- — Not specified by official sources: The official pages say nothing specific about subscriptions such as OpenAI or Claude and publish no charge success rate; this page makes no unverifiable claims such as "industry-leading".
Compatibility information for this card was verified on 2026-10-21 against the sources listed on the card profile; undisclosed items are marked "Not stated officially". Status symbols preserve source statements; "Not stated officially" does not mean unsupported, and community reports do not guarantee stable availability.
See the full comparison of 230 cards · Use BIN & Issuer Inspector
Mobile Apps & Privacy Compliance
Independent verification of mobile client presence, global app store availability, privacy disclosures, and account deletion / data erasure rights.Mobile Clients & Official Download Channels
- Client App
- No store app (Telegram bot @WantToPayBot; sign-up and card issuance happen inside the Mini App)
- Web Portal Support
- Telegram Mini App + Web — Sign-up, KYC, and card issuance all happen in the Telegram Mini App; wanttopay.net carries only an introduction, pricing, and legal documents; the public offer mentions website, mobile app, and API channels, but no app can be found in either store.
- Apple App Store
- No iOS app (not found on the App Store)
- Google Play
- No Google Play App
Data Compliance, Privacy Labels & Account Erasure
- Regulations & Rights
-
General Data Rights / Regional Regulations
The privacy policy (2026-05-15 version, in Russian; controller ВАНТУПЭЙ ЛИМИТЭД, i.e. Hong Kong-registered WTP Technology Limited, incorporation number 76394774) is based on Russia's Federal Law No. 152-FZ on personal data, with complaints to the Russian communications regulator (Roskomnadzor); it provides for access, correction or deletion, consent withdrawal, and restriction of processing. It collects name, email, phone, card/IBAN details, device ID, and IP location, with cookies used for advertising analytics; partners collect ID photos and facial images during KYC.
- Official Privacy Policy
- Official Privacy Policy ↗
- Data Retention
- For the contract term plus statutory periods; financial transaction records are kept for five years, and data not subject to mandatory retention is destroyed within 30 days of the purpose being fulfilled.
- App Store Privacy Label
- —
- Google Play Data Safety
- —
- Account Deletion Flow
-
The help centre's "how to delete an account" article says to contact @WantToPaySupportBot with the registered email (visible in the Mini App under Home → Settings); closing a card also requires contacting support, and any balance not withdrawn first is forfeited.
Verified on 2026-10-21. App store availability and privacy disclosures are independently verified from official developer stores and privacy policies; store availability may vary dynamically by region.
A virtual card inside Telegram, where the barrier is verification
Wanttopay puts card issuance inside a Telegram Mini App, which is genuinely lighter than downloading a standalone app. But the lightness is only in the entry point, not in the checks: the help centre says a phone number, email and identity must be confirmed before a card is issued, and the privacy policy says partners collect ID photos and facial images. Treating it as a KYC-free card misjudges the risk. [1] [2]
Read the fees by tier, not just the monthly fee
Prepaid has no monthly fee but only fixed denominations; Easy, Smart and Pro all cost $6/month, yet issuance ranges from $10 to $35 and the crypto top-up fee differs (9% on Easy, 7% on Smart). Only Smart and Pro support Apple Pay, Google Pay and in-person spending. [1]
Frequently asked questions
Is Wanttopay a KYC-free card?
No. The official help centre says the phone number, email and identity must be confirmed before a card is issued, and the privacy policy says partners collect ID photos and facial images during KYC.
Does Wanttopay support Apple Pay?
The official pricing page marks Apple Pay only on the Smart and Pro tiers, and marks Prepaid and Easy as not supported.
What fees does Wanttopay charge?
Official pricing page: issuance fees of $0–$35, monthly fees of $0 or $6, a $10 minimum top-up, transaction fees from $0.25 up to "$0.50 plus 1%" depending on tier, and crypto top-up fees of 9% on Easy and 7% on Smart.
📜 Rules & Fee Changelog History
Continuous Tracking · Historical Evidence BaseCommunity posts
The following public X posts were selected based on whether the original is accessible and how specific the information is. They reflect personal experiences or third-party observations, not official commitments, and do not replace the official sources on this page.
No public post has yet met our criteria for specific experience details and an accessible original link. You can browse public discussion of Wanttopay Virtual Card on X; search results may change over time.
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