A few words about plastic cards. It's a VERY BIG delusion to think that Russians don't have/use them. Most of Russian have VISA/MC cards. First of all, in many regions of Russia ATM is the only way to receive your salary, so when you get a job, you automatically get VISA or MC card to cache your earning.
Whose who don't work are receiving social and pension cards. For example, my parents are pensioners and they are getting their pension from ATM only.
In Moscow even schoolboys like my son have a so-called social card of Moscow citizen which looks like one of these:
As you can see, all these cards are VISAS and they are linked to the real bank accounts. So everyone, even a schoolboy can use it in ATM or any shop/cafe etc.
But only a small % of Russians use their plastic cards online.