Your first payment, step by step.
Four short parts: sign up, verify, top up and pay. About ten minutes from opening the app to your first coffee. No Russian bank account, no local SIM card.
Create your account
Open pay.kulturapay.com on your phone. You only need a phone number that can receive SMS and an email address.
Enter your phone numberType it with the country code and tap Continue. Already have an account? Tap Log in.
Type the 6‑digit codeWe text it within seconds. No code? Resend becomes available after 60 seconds.
Add email and a password8+ characters, upper and lower case, a number. You'll use them to sign in on any other device.
Roaming SMS is enough. You don't need a Russian SIM card at any point.
Your account is tied to your verified identity, so keep it personal.
Verify your identity
Required once before your first top‑up. Have your passport, ID card or driver's licence ready and find a well‑lit spot.
Tap StartYou can also tap Later and verify when you're ready to top up.
Pick country and documentPassport is the fastest. ID cards and driver's licences work for most countries.
Photograph the documentFit the photo page in the frame, hold still, avoid glare. You can also upload a photo.
Take a quick selfieLook at the camera, then slowly turn your head left and right. It scans automatically.
We check itUsually minutes, at most 24 hours. Explore the app while you wait, we'll notify you.
You're inLevel 1 lets you hold and spend up to €15,000 a month. Time to top up.
Daylight from a window is ideal. Take off glasses and hats for the selfie.
Documents are checked by a regulated partner and encrypted end‑to‑end. See the Privacy Policy.
Most rejections are blurry photos. Retake in better light or write to hello@kulturapay.com.
Top up your balance
Two ways: send USDT with no fee, or use any Visa / MasterCard for 1.5%. Card top‑ups land in your US Dollar account, USDT goes to Tether.
Tap Top up on the home screenYour USD, EUR and USDT accounts live here. The card at the bottom shows today's rate for the city you're in.
Choose a methodUSDT is free and takes about two minutes. Cards are instant with a 1.5% fee.
Enter the amountPick a preset or type any sum. The fee and the total you pay are shown before you continue.
Add your cardVisa or MasterCard issued anywhere in the world. Save it to skip this step next time.
Send USDT to your addressPick TRC‑20 or ERC‑20, copy the address or scan the QR from your wallet. Minimum 10 USDT.
DoneThe new balance is ready to spend. Tap Scan QR to pay straight away.
Other tokens or networks cannot be recovered. Double‑check TRC‑20 vs ERC‑20 in your wallet.
Some banks block first‑time foreign payments. Approve it in your banking app and try again.
Balances stay in USD, EUR or USDT until you pay. Nothing is converted in advance.
Pay by QR
Every merchant that shows a payment QR takes Kultura: metro, shops, cafés, museums, taxis. You see the rate and the fee before anything moves.
Tap Scan and point at the QRChoose which account to pay from. You can also upload a QR from your gallery.
Check the detailsMerchant, amount in rubles, the rate and our 0.5% fee. The rate is locked for 60 seconds while you decide.
ConfirmWe reserve the amount, convert at the locked rate and confirm with the merchant in a couple of seconds.
Keep the receiptEvery payment has an ID for disputes. Share it or tap Scan again for the next one.
Scan the QR on the turnstile or the ticket machine. Payment confirms in seconds, the gate opens.
Just tap the amount again. You get a fresh 60‑second lock at the current rate.
Refunds are arranged with the merchant. Show them the payment ID from your receipt.
Ready when you are.
Ten minutes now, and every QR in the country works for you.