Cards are widely accepted in shops in major Russian cities, as are contactless payment options such as Visa payWave or Mastercard PayPass. But these options may not be available at smaller shops, so do carry cash with you at all times. Another incentive to opt for cash payment is that many restaurants and shops will have their own currency exchange rates. These rates are higher than what you would find at the banks and will cost you extra money. It is also a good idea to only use your credit card at trusted, well-established shops. Cyber crime is on the rise in Russia ahead of the World Cup and is expected to get worse during the tournament.