The service was founded in 2023 and works for convenient use of international payments. The K13 service operates on the basis of an offer agreementat k13. world/oferta. K13 is not a bank or a representative of a bank, but is only an intermediary between users and a foreign provider. On the territory of the Russian Federation, the sale of offline cards is carried out by IP Kovalev Andrey Alexandrovich, but PayMu LTD, registered in Estonia at Läänemaa, Laiküla, is responsible for issuing cards and servicing them Pargi 90.