A virtual Visa sold through a Telegram bot, with light paperwork, a foreign card label and several costs that aren't posted

Updated October 2026

Licensed

Available in US

Fast payouts

18+ Only

Chocopay is a virtual Visa sold through a Telegram bot, marketed as a quick way to pay for AI tools and subscriptions without the usual bank hurdles. The pitch is simple: no documents, no verification, a card in your account within minutes. The reality is more mixed. The card is real and the bot works, but the legal entity behind it is a small Dubai LLC with no published banking licence, the fee schedule is incomplete, and several day-to-day details (FX markup, ATM support, daily limits) are not stated officially. If you are choosing a card precisely because ordinary banking is hard to access, that combination is worth understanding before you load any meaningful amount.

The conditions described here are current as of October 28, 2026.

Verdict

Chocopay sits in the middle of the pack for a very specific user. If you want a quick virtual Visa to pay for AI subscriptions and similar online services, accept a 3-9% crypto top-up fee, and are comfortable using only a Telegram bot with no app and no physical card, the product does what it claims. If you need a card for daily shopping, want ATM access, want to spend in a non-USD currency without surprises, or care about the regulator standing behind your balance, the same product is a poor fit.

My overall score is 4.5 out of 10. The breakdown is below.

The audience that fits this card best is anyone paying for AI and subscriptions via a Telegram bot. If that is you, the product is usable. If you need anything more general, look elsewhere.

Who they will give the card to

The headline “no documents, no verification” is broadly accurate for the moment of issuance, and it is the single biggest reason people pick this card. You open the Telegram bot, read the rules, pick a tariff, and the card is issued. The terms do not set residency or citizenship criteria, so in principle the card is open to “anyone, anywhere” who is at least 18. There is a hard minimum age of 18, and you have to confirm that you are not on the UN, OFAC, EU or UAE sanctions lists and that you are not a politically exposed person.

Where the openness ends is at the merchant side. The terms list a set of restricted countries (Section 6.3, with Russia appearing in that list) and forbid payments to sellers linked to those countries. Payments in Russian rubles and Ukrainian hryvnia are prohibited outright. The service is also explicit that it “does not guarantee” payments going through on accounts that have a history of Russia linkage, which can read as a soft pre-screen on the customer side even though the rules do not name you as restricted.

For a user who is not a sanctioned person, does not need to pay in RUB or UAH, and does not need to pay sellers based in restricted countries, the door is open. If any of those three apply to your intended use, the card will not work for that transaction regardless of what the marketing says.

Service and support are in Russian. If that is comfortable, fine. If not, the product is a poor fit because the bot, the support and the published terms are all in Russian.

How to get it

The flow is intentionally short. You open the bot, read the rules, choose a tariff, issue the card, top it up. The bot describes the cards as “no documents and no verification,” and they are issued in a couple of minutes.

That said, the terms do not say verification never happens. Section 8 says information must be provided within two calendar days when requested. Automated checks run for up to 5 minutes; complex cases can take 3 to 10 working days. Refunds to a web account, in particular, require KYC. So the right way to read the marketing line is: issuance is light, but the company reserves the right to ask, and the right to refund back to a web account is gated on documentation.

There is no published tier system. You do not pick “Starter” or “Verified” or “Pro”. You pick a card by purpose and lifetime, and the verification level adjusts behind the scenes depending on what the company sees in your activity. The published timing above (5 minutes for automated, 3-10 working days for complex) is the only guidance on how long you might wait if asked. Rejection reasons are not stated. Proof of address is not stated as a requirement.

The cards on offer are three virtual Visa products, all in USD, with no Mastercard alternative:

• Subscriptions and AI — $6 issuance, 3-month life, aimed at paying for AI tools and streaming services.
• Universal — $15 issuance, 18-month life, framed as “$0.83/month”, supports Apple Pay and Google Pay.
• Travel — $10 issuance, 6-month life, also supports Apple Pay and Google Pay.

There is no physical card, so there is no shipping step and no replacement in the usual sense. Replacement is described as “possible but not in all cases” (for example, if a service blocks the card, refuses it, or there is a technical problem). The price for a replacement is not stated, and “not in all cases” means it is not a guarantee.

Fees: what it really costs

This is where the review gets harder. The fee schedule is published across two pages that do not fully agree, and several of the most common charges are not stated at all.

The two main things to take away. First, the issuance price is the only number that is firm and posted. Second, several routine costs (FX on a non-USD payment, declined transaction, ATM) are not on the official page at all and only appear in third-party reviews, so you should treat the unofficial figures as best-effort estimates that have not been confirmed by the company.

To make this concrete, here are three everyday payments and how the fees would apply.

Paying $30 for a monthly AI subscription with USDT. You send USDT, the bot charges a crypto top-up commission somewhere in the 3-9% range — at 3% that is $0.90, at 9% that is $2.70. The $30 lands as USD balance. The card then pays the merchant. No further conversion needed because the subscription is denominated in USD. Total fees: between $0.90 and $2.70. No FX markup because the payment is in USD.

Paying €25 for a European service. You fund the card in crypto as above, then the card pays in EUR. The terms do not post a conversion fee. Unofficial sources put the markup on non-USD payments at 2-3%. At 2% that is about €0.50, at 3% about €0.75, plus whatever the card network itself charges for cross-currency settlement. The card-issued statement and the bot do not break this out, so you would only see the true cost by watching the balance change after the payment.

Paying 1,500 RUB for a Russian service. This transaction is prohibited by the terms, regardless of how the card is funded. The card will decline or, worse, attempt the payment and create a problem. Do not expect a refund on a successful payment — the terms say no refund once a payment has gone through.

Two further fees that are easy to miss. There is a referral bonus of +$2 listed on the portal hero label, which is a small positive but not a cashback scheme — there is no general cashback stated. And third-party sources describe a $5 fee for a refund; if you ever need your money back, that is a number to factor in.

Top up: how to fund the card

The card supports three funding routes: Russian bank cards, SBP (the Russian fast-payment system, in rubles) and cryptocurrency. Card-to-card transfers are explicitly not supported, so you cannot push funds from another Visa or Mastercard onto the card.

The bot says it accepts “more than 100 coins”. The list of specific coins and the networks they are sent on is not published. If you only hold BTC on the mainnet, ETH on Ethereum mainnet, USDT on TRC-20 and SOL on Solana, you can probably fund the card, but the bot is the only place to confirm a particular coin-and-network pair, and the matching matters: a stablecoin sent on the wrong network can be lost with no automatic recovery (more on that risk below).

The minimum top-up depends on how you pay. From a Russian card or by SBP (rubles), the minimum is the equivalent of $15. By crypto, the minimum is $30. The crypto top-up commission is the 3-9% range noted above. The ruble top-up is calculated in the bot at the service’s own rate, which is not the same as the rate your bank would show you.

Only your own funds are accepted. Third-party cards, company cards and card-to-card transfers are not allowed, at least according to unofficial sources. The terms do not say who pays the network (gas) fee on a crypto deposit, only the commission.

Pulling money back is restricted, not symmetrical to funding. Bot users can return the balance only if the card was issued within 30 days, has no completed transactions and is not in use. Any successful payment, even a small one, blocks the return. The issuance fee and commissions are excluded from the refund. The return is paid within 14 working days and may be held up to 30 working days if there is a fraud suspicion. Web-account users have a different rule: refund to the original wallet minus network fees, with KYC required.

Paying with it every day

Once the card is funded, what you can do with it depends on the tariff and on what the merchant accepts.

The Universal and Travel cards support Apple Pay and Google Pay. The binding is not automatic: you need a confirmation code from a manager during working hours, which means the tokenised wallets are not a self-service setup. The Subscriptions and AI card does not list Apple or Google Pay, which is consistent with its narrower use case (paying for online subscriptions from a card you do not tap in a shop).

The card is accepted anywhere Visa is accepted online, and the bot advertises payments in “more than 140 currencies” with USD, JPY, EUR, KZT, TRY, ILS, GBP, THB and GEL specifically named. Ruble and hryvnia payments are prohibited. The card is virtual only, so contactless in a physical shop is only possible through the mobile wallets above, and only on Universal or Travel.

A list of banned categories is published in the terms: payments to services linked to Russia, Belarus, Ukraine and other countries restricted by Visa and Mastercard; adult services; casinos and betting. The terms state that violating these rules can lead to blocking “without refund.” If the merchant category of a payment changes, or if the merchant has a Russia-linked billing entity, the card can decline even if the user did not intend a prohibited payment.

There is no cashback. The portal lists a referral bonus of +$2, which is a one-off for a successful invite, not a recurring reward. ATM cash withdrawal is not supported, according to unofficial sources, which is a real limitation for a card marketed as “Universal”.

For disputes, the path is the official Telegram support or [email protected]. A refund can be held for up to 30 working days if there is suspected fraud or a bank review; the standard refund window is 14 working days; and a refund is not possible for a successful payment, period. The chargeback process is not stated, and unofficial sources describe a $5 charge for a refund.

What can go wrong

A few risks are worth weighing before you load a meaningful amount.

The legal entity. The company behind the card is CYPHER GOODS WHOLESALERS LLC, registered in Dubai (registration number 1049902, Office No. 301A, Dubai Investment Properties (LLC), Al Raqqa). The cards are described as “of foreign banks”, but the issuing bank and the licences are not named. Unofficial sources say there is no public financial licence. That means the regulator standing between you and the card balance is not identified in the public documents, and your protection in a dispute depends on whatever private arrangement the company has with its actual issuer.

A small and opaque reputation. There is no Trustpilot page. The only review-site number I found is a 3.8 rating from 25 reviews on inokarti.com, marked as “not enough data” and with no themes broken out. A vc.ru ranking from 2026 notes there is no confirmation that Chocopay works for paying Claude subscriptions. There are no dated public incidents, and there is no way to know from the outside how the company has handled edge cases in the past.

Custodial and capped liability. The card is custodial, not a bank account. The terms describe it as “a virtual card for international purchases for a set period”. The company explicitly says it is not a bank account, which means the protections you might expect from a bank (deposit insurance, segregated client funds, clear complaint procedure) do not apply on those terms. Liability is capped at the last month’s commission, with a maximum of $100. If the company disappears or makes an error, the most the terms commit to returning to you is $100.

Card lifecycle risks. Cards freeze after expiry or after many declines at zero balance, and can be unfrozen in the bot. The card may be cancelled after 30 days of inactivity. Two-factor authentication and self-custody options are not stated. 2FA is not mentioned, so account security depends on Telegram’s own account security plus the bot.

Refunds are limited. Any successful payment blocks the right to a return of the remaining balance from the bot. Refunds require KYC for web-account users. Refunds can be held for up to 30 working days on fraud suspicion. There is no published chargeback process. The combination makes it expensive to be wrong about a payment.

Network and address mistakes. Crypto top-ups are irreversible. If the bot accepts coin X on network Y, and you send coin X on network Z, the funds can be lost or require manual recovery with no guarantee. Network fees for the deposit are paid by the blockchain, and the payer is not specified by the company.

Sanctions and restricted countries. The terms bar payments to merchants linked to restricted countries, including Russia. The service “does not guarantee” payments to accounts with a Russia linkage. The card is built around niche international payments but is not a free pass for transactions tied to Russia.

Support hours. Support runs 09:00 to 21:00 MSK. The bot itself is 24/7, but the human layer is not. If you need help outside those hours, the bot is your only channel.

What to take instead

Three alternatives cover the most common reasons people look at Chocopay.

Azul Card, score 5.3 / 10. A virtual Mastercard in USD, with worldwide availability except a list of restricted countries (Russia, Belarus, North Korea, Iran, Syria, Cuba, Sudan, Venezuela, Ukraine, and the Crimea, Donetsk, Luhansk, Zaporizhzhia and Kherson regions). The card creation fee is $20 one-time, refunded after $2,000 in spending, with a $5 monthly maintenance. Crypto top-up is 4% plus $0.25 per transaction; FX fees are not stated. Top-ups run in Telegram, and the first one can take up to 10 minutes, with later top-ups taking 1 to 5 minutes. There is no cashback, but the referral programme pays up to 40% of the fees from every transaction made by your referrals. Azul is the more transparent of the three on cost, but the restricted-country list is long, so it is worth checking that your intended use is not on it.

Telecard, score 6.1 / 10. A virtual Mastercard, instant, in USD, with the site saying it is usable in over 150 countries wherever Mastercard is accepted. Identity check is “available in most major regions”, with no supported-country list published. The terms only bar users blocked or sanctioned by the United States. The basic plan is $5 one-time, with VIP at $49 setup and $19/month and VIP reissuance at $15. A $99 minimum deposit is required to activate, framed as “NOT a fee” because it stays in the wallet. Fees: 1.5% conversion on non-USD payments, 0.5 USDT gas per successful transaction, and FX and cross-border fees “up to 3% each”. Funding is USDT on Tron (TRC-20) or Ethereum (ERC-20), USDC on Ethereum (ERC-20), and the help page also lists ETH and TRX; Polygon is not supported. Bank transfers are listed as “coming soon”. The reward is in “Fiorini” (1 USDT = 100), with cashback paid when referred friends spend.

OnCards, score 4.6 / 10. A virtual Mastercard or Visa issued in Telegram (the network is not fixed), with no country list and no specific fees published beyond “Simple and clear fees — no hidden charges”. The only published funding method is USDT on BEP-20; bank transfers are not accepted. There is no cashback and no referral programme. The honest reading is that the company publishes the least, which is a feature for some users and a red flag for others.

If you are picking strictly on cost transparency, Telecard is the clearest. If you are picking on country availability, Azul and Telecard are more open than Chocopay. If you are picking on a Russian-language bot, Chocopay is the only one of the three that is built around that.

Who I would recommend it to

I would recommend Chocopay to a narrow user. You are an adult user, comfortable using only a Telegram bot, who needs a quick virtual Visa to pay for AI tools, streaming or other online subscriptions denominated in USD, who is willing to pay 3-9% on a crypto top-up, who does not need to pay in rubles or hryvnia, who does not need to pay sellers based in restricted countries, who does not need cash from an ATM, and who treats the card as a small working balance rather than a place to park funds. For that user, the product is fast and the experience matches the marketing.

I would not recommend Chocopay if any of the following applies. You need to spend in non-USD currencies often and want to see the conversion fee in writing. You need a physical card. You need an ATM. You want a card from a named, regulated bank. You need a cashback or rewards programme. You want a published complaint and chargeback procedure. You want to be able to recover your balance after a payment has gone through. You want to fund from a wide list of stablecoins on specific networks with a clear published map. Or you want a published daily or monthly limit so you can plan around it.

If you fall in the second group, the alternatives section above is a better starting point. If you fall in the first group, treat the card as a small, fast, narrowly useful tool, fund only what you intend to spend, and accept that the protections you would expect from a bank are not part of the package.

Frequently asked questions

What is the Chocopay card?

A virtual Visa denominated in USD, sold through a Telegram bot by CYPHER GOODS WHOLESALERS LLC, a Dubai-registered company. Three tariffs are offered: Subscriptions and AI, Universal and Travel, with no physical card and no Mastercard option.

How does the Chocopay card work?

You open the Telegram bot, choose a tariff, fund the card by Russian card, SBP or crypto, and the balance is held by the company. The card then pays online anywhere Visa is accepted, with the bot converting crypto to USD on top-up at a 3-9% commission.

Is Chocopay a bank?

No. The terms describe the product as a “virtual card for international purchases for a set period” and the company is a Dubai LLC, not a bank. The issuing bank and any licences are not named in the public documents.

Who owns Chocopay?

CYPHER GOODS WHOLESALERS LLC, registration number 1049902, Office No. 301A, Dubai Investment Properties (LLC), Al Raqqa, Dubai. The cards are described as “of foreign banks”, but the issuing bank is not named.

Where is the Chocopay card available?

The terms set no residency or citizenship rules. The restriction is on the merchant side: payments to sellers linked to restricted countries (including Russia) and payments in RUB or UAH are prohibited, regardless of where the cardholder lives.

How do I get a Chocopay card?

Open the Telegram bot, read the rules, pick a tariff, issue the card and top it up. The card is issued in a couple of minutes, and verification at issuance is described as minimal. The company can ask for documents later under Section 8, and KYC is required for a refund to a web account.

Does the Chocopay card require KYC?

Issuance does not, per the marketing. The terms reserve the right to ask for information within 2 calendar days, and automated checks can take up to 5 minutes while complex cases take 3-10 working days. Refunds to a web account require KYC.

How do I top up the Chocopay card?

Three routes: Russian bank cards, SBP (rubles) and cryptocurrency. Minimum $15 by ruble route, $30 by crypto. Crypto top-up commission is 3-9%, and ruble top-up is calculated at the bot’s own rate. The bot accepts “more than 100 coins” but does not publish the full list.

Is the Chocopay card safe to use?

The product is custodial, with liability capped at the last month’s commission and a $100 maximum. The company is a Dubai LLC with no named regulator and no named issuing bank. There is no Trustpilot page, and the only review-site rating I found is 3.8 from 25 reviews, marked as “not enough data”.

Can I get my money back from Chocopay?

Only in narrow conditions. Bot users can return the balance if the card was issued within 30 days, has no completed transactions and is not in use, and the issuance fee and commissions are excluded. Any successful payment blocks a return. Web-account users can refund to the original wallet minus network fees, with KYC. Refunds can be held up to 30 working days on fraud suspicion.

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