Zarub is a service for convenient payments for international online services and subscriptions when standard bank cards do not work. Users can issue virtual Visa or Mastercard cards, including Apple Pay support, and use them for payments on global platforms.    The service supports top-ups in rubles via the Faster Payments System (SBP), as well as payments using cryptocurrency. The cards are suitable for paying for popular digital services, educational platforms, design tools, and AI services.    Zarub does not require a passport or linkage to Russian banks, works in multiple countries, and supports 3-D Secure. Additional features include a referral program, eSIM services, and digital product payments within a sin