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In Russia, all country-local Visa and MasterCard payments are processed by country-owned NSPK system https://nspk.com

So all local payments will work, but no abroad payments (and no foreign cards to pay locally in Russia). Probably, I will lost most of my cloud data and compute resources incl. VPNs. Fortunately, some providers do accept SWIFT payments.

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Do the providers accept ruble? My understanding is that foreign currency transfers to outside was banned (capital control).

It is partially banned/restricted for companies only. Personal transactions do work well. However, there 12% tax on buying currencies on currency exchange for both companies and personal accounts

You can always ask to borrow someone's card who doesn't live in Russia...

Yeah, that's what I will probably do. However, this doesnt sound secure, and some providers do check if card holders equals to account owner

And how do you pay them back?

Work...

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