If your card's payment isn't going through, try creating virtual cards from other banks. We are not aware of any banks that charge for creating their own virtual card, but in most cases creating a virtual card is free. If you are not residing in Russia and if your card's payment isn't going through, try using your wife's/parents'/brother's/sister's card, if their cards are from another bank or another card from the same bank as yours, and if it still doesn't go through, try creating virtual cards from other banks.
From user messages:
Belarus
Ukraine