Hi...
If you purchase iClone 7 you will get "Character Creator 3 For iClone" FREE. This versions will allow you to create characters for use in iClone 7 but lacks any export capability and doesn't allow Daz character import using Transformer. You can however use Headshot with it as well as other plug-ins like SkinGen Premium.
Regarding your payment question, I don't know what a ruble card is so I can't advise you about that. If you have any payment questions it will be better to contact
Customer Support who will be able to help you.
Peter
Forum Administrator
www.reallusion.com