Used onpay.ru,-> a yandex money account, -> and my local bank account--no credit cards involved whatsoever--
First, I opened a yandex money account(it's free) which was associated to my already existing yandex email account.
I put some money (tested with 10 GBP) by choosing a international bank transfer which in Europe means 0%transfer fee -since the transfer is made to a local bank in the same country where your normal bank account is located.
The local bank account here is handled by Earthport plc which later (three days) transfered the money to the Russian bank (yandex) again free of charge to me.
So at the end for the 10 GBP deposited online from my bank to a Lloyds bank, I ended up with 578 rubles in yandex money
==not bad exchange rate==
Then I went on to payment system, chose onpay.ru, calculated that approx 14.89USD were equivalent to 577.83 rubles (the closest to my 578) and chose option "online money" in onpay.ru which has "yandex money" as one of the choices, confirmed payment, received in yandex money a notification of payment, confirmed and that's it, 14.89USD credited to my balance.
Hope this helps any1
(although apparently a better/suitable for all way of payment is to be introduced later)