How to Pay for Midjourney and Cursor from Russia

Designers need Midjourney, developers need Cursor and GitHub Copilot, and plenty of people keep Perplexity around for quick, sourced answers. All of them are subscriptions, and all of them decline cards from Russian banks. So a toolkit you can hardly work without comes down to a payment problem. The good news: the solution is the same for all four. You need a foreign card you can fund in dollars and a couple of minutes to set it up. Below is the general flow, the quirks of each service and an honest list of reasons a payment can fail.

Why Russian cards don't work

These services take payments through international processors. International services don't accept Mir, and Russian-issued Visa and Mastercard cards don't process international transactions, so checkout usually rejects them. You need a card issued outside Russia with 3‑D Secure and recurring billing support — subscriptions renew automatically.

Orris Universal is a virtual Visa Signature issued in Singapore (a Singapore BIN). It has a USD account, is valid for 3 years, with a monthly limit of $50,000. It's reusable: you can keep several subscriptions on one card or issue one card per service.

The general flow: from sign-up to payment

1. Sign up for Orris with email or Telegram.
2. Top up your balance with USDT on TRC-20, TON or ERC-20. The fee is 4%, and 1 USDT = $1.
3. Pay the card issue fee from your balance — 1,990 ₽ once, no monthly fee.
4. Get the card details in your dashboard — usually within seconds of paying the issue fee.
5. Move the total of your subscriptions plus a small buffer onto the card. Balance-to-card transfers are free.
6. Enter the card details on the service's checkout page and confirm via 3‑D Secure if asked.

What to check before paying

• The card balance. Put the subscription price plus a buffer on the card: yearly billing takes the whole amount at once, and tax may be added in some cases.
• Your profile details. The country in your service account shouldn't differ wildly from the card's country — some payment systems check this.
• Your browser. Extensions sometimes block the 3‑D Secure window, so pay in a regular browser without blockers.
• The service's terms. The card only solves the payment part. Where a service is available and on what terms is up to the service itself.

Midjourney

Midjourney turns text prompts into images and has long been the go-to for illustrations, concept art and mood boards. New users usually don't get free access, so you'll need a subscription. You set it up on the Midjourney website: sign in, open the subscription section, pick a plan and choose monthly or yearly billing. Yearly is usually cheaper but charged as one lump sum, so move the full amount onto the card beforehand.

Plans differ in the number of “fast” GPU hours and extra features. Check current prices on Midjourney's site — they change from time to time. If you run out of fast hours early, you can buy more separately, which is another card transaction.

Cursor

Cursor is a code editor with built-in AI that understands your whole project. The free tier is enough to try it out, but for daily work developers move to a paid plan. You pay in your Cursor account settings under Billing: choose a plan and enter the card details.

One thing to know about Cursor: beyond what your plan includes, you can allow usage-based charges. These come through separately and at different times. To keep them from being declined, keep a buffer on the card or set a spending limit in Cursor's settings.

GitHub Copilot

GitHub Copilot suggests code right in your editor and can work as an agent. There's a limited free tier and paid plans for individuals and teams. Payment goes through GitHub settings under Billing and licensing: add the card as a payment method and subscribe to Copilot.

GitHub uses a single payment method for all paid features on the account — Copilot, extra Actions minutes, storage and more. If you want to keep spending separate, use a dedicated Orris card for GitHub.

Perplexity

Perplexity is an AI search engine that answers with links to its sources. A paid subscription unlocks more queries to advanced models and extra features. You can subscribe in your account settings on the website: pick a plan and enter the card details. If you subscribe in the mobile app, payment goes through the App Store or Google Play — then your Apple ID or Google account country must match the card's country, which for Orris Universal is Singapore, and the price will be in SGD with a 3% conversion fee. The website is simpler: you manage the subscription right in Perplexity's settings.

One card or several

Orris lets you issue several cards, which is handy for a set of subscriptions:

• One card for everything is simpler: one balance, one set of details. It works if you have a few stable subscriptions.
• A card per service is more transparent: you see what each tool costs and can close one card without touching the others. Especially useful for usage-based billing like Cursor's.

Each card is paid for separately — 1,990 ₽ to issue, no monthly fee. You can close a card you no longer need: the remainder returns to your Orris balance minus a $5 fee, but not less than 3% of the remainder.

What it costs

• Card issue — 1,990 ₽ once.
• USDT balance top-up — 4%; balance-to-card transfer — 0%.
• Each successful payment — $0.50. The services in this article usually bill in US dollars, in which case there's no conversion. But the currency can depend on the card country and billing address — check it at checkout.
• Charges in another currency — 3% for conversion.
• Declined transaction — $0.60.

The full fee list is on the pricing page. Remember that the $0.50 fee applies per transaction: a yearly subscription is one transaction a year, while frequent small top-ups add up to many.

Why a payment might be declined

These services generally accept cards issued in many countries, Singapore included, but the merchant always has the final say. Common reasons for a decline:

• Not enough money on the card — especially with yearly billing or usage-based charges.
• 3‑D Secure wasn't completed — the confirmation window closed or didn't load.
• Region mismatch — some services compare the account country, IP and card country. A big mismatch can trigger fraud checks.
• Several attempts in a row — after a few declines the merchant may temporarily block payments. Take a break first.
• A typo in the details or address — copy the data from the dashboard and fill in the form carefully.

If the cause isn't obvious, contact support from your dashboard and we'll help. Using chatbots too? We have separate guides for ChatGPT Plus and Claude Pro.

Tips to keep subscriptions running

• Check your card balances in the dashboard once a month and top up ahead of time, not on renewal day.
• For usage-based services, set a spending limit in their settings.
• Cancel subscriptions you don't need in the service itself instead of just leaving the card empty — otherwise declined transactions at $0.60 each will pile up.

FAQ

Summary

Midjourney, Cursor, GitHub Copilot and Perplexity all work the same way: a foreign virtual card funded in dollars. Issue Orris Universal for 1,990 ₽, move your subscription total onto it and pay as usual. For services with usage-based charges, keep a buffer on the card, and if you want to see spending per tool, set up separate cards.