Which VCCs issue with zero docs, what each one really caps at, what it costs, and which six are just marketing
Which VCCs issue with zero docs, what each one really caps at, what it costs, and which six are just marketing€150 HELD 
€150 A MONTH €50 IN ONE GO
That’s the hard ceiling on any card with no ID attached, written into EU law, so nobody sells past it.[1] Everything below is what’s left standing after that.
No passport, no selfie
Swiss Post Visa Prepaid Basic — CHF 33/yr · CHF 1,000 a payment · needs a Swiss address
Full spec: the six things it still collects, top-up route, 3DS, and what Basic can't do
Collects anyway: name · date of birth · gender · verified email · verified mobile · Swiss home address · app PIN.
Money in: free bank transfer to your own IBAN in the app, minimum CHF 25.
Costs: CHF 33 a year · 2% on foreign currency.
Ceilings: CHF 1,000 per payment · CHF 5,000 top-up.
3DS: one-time code by SMS or in-app.[2]
Subscriptions: supported.
Cash out: none on Basic. ID upgrade unlocks it at 4%, min CHF 10.
Refunds: not documented anywhere.
Activation flow · FAQ
PayInRussia — a phone number and nothing else · 15,000 ₽ cap · spends inside Russia
Full spec: limits, what funds it, the ID trigger, and the real cost
Signup: a phone number. No documents, their words.
Money in: international Visa and Mastercard.
Ceilings: 15,000 ₽ balance · 40,000 ₽ a month.
Spends at: Russian QR in shops, online, contactless on Android.
ID trigger: the 600,000 ₽ tier — passport and selfie.
Cash out: no ATM withdrawals.
Real cost: unpublished, and buried in the exchange rate at roughly 10%.[3]
Vanilla Virtual Account — no account at all · $20–$500 · US merchants only
Full spec: what you get, the three hard stops, and the one thing it does right
What you get: real open-loop PAN, expiry, security code. Visa or Mastercard, issued by Sutton Bank.[4]
Enrolment: none. Nothing to sign up for.
Stop one: US merchants only — foreign online merchants barred in the agreement.
Stop two: subscriptions explicitly prohibited.
Stop three: never redeemable for cash.
Refunds: a merchant credit does post back — allow a few days.
Cost: an activation fee at purchase.
Show the passport, get more
KWIKPAY — refunds return to balance, redeemable to bank or cash after 30 days. The only published refund rule in the whole sweep.[5] Russia-domestic.
Skrill virtual Mastercard — EEA · $10/yr · up to 3.99% FX · $5/mo after 12 months idle. Fees
NETELLER Net+ Virtual — free once verified · card, bank and voucher top-up · bank withdrawal out.
Swiss Bankers — worldwide acceptance · several ordinary top-up methods.
Take the check
Twelve boxes. Tick them against anything anyone sells you.
countries that actually pass signup
asked at signup
asked when you load
asked when you spend
the number that triggers ID
funding: PayPal · own card · bank · voucher
real PAN + expiry + CVV, or a voucher in a costume
how many BINs, which types, who chooses
fees: create · monthly · load % · FX · idle · closure
3-D Secure, and where the code lands
subscriptions, or declined as cash
refund arrives — back on the card, spendable, withdrawable
⛔ Dead, or never what they looked like — one line each
Dupay — dead. Its own site reads Service terminated, down 30 Nov 2025.
Moon — crypto purchase only, and cancelled cards plus ID demanded for off-platform refunds.
paysafecard — a code merchants accept, not a card number you own.
CASHlib — same, and its own FAQ lists ID, selfie and proof of address on verification.
Flexepin — cash top-up rail. Instant, irreversible, no card, no refund path.
YooMoney traveller card — free MIR card, but foreign-card funding wants passport, visa and migration card.
Revolut · Wise · Payoneer · GCash · Maya · Pyypl · Privacy.com · Crypto.com — all run verified identity. “Free virtual card” on a homepage is not no KYC.
Shelf’s open. Take what fits and go.
Article 12, Directive (EU) 2018/843 — also requires an anonymous card to be non-reloadable or usable in one member state only. Text here. ↩︎
YAPEAL card terms — YAPEAL is the issuer, under Visa licence. ↩︎
Independent teardown — identifies it as a MIR card issued by PSHB. ↩︎
Terms and the full issuer agreement: cardholder agreement PDF. ↩︎
In writing here: KWIKPAY card terms of service. ↩︎
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