Abstract: This invention relates to a universal financial product and enables to use it for managing money resources, e.g., sums being on a personal account. The housing of the pay card may be made of a precious or rare metal, bone, finewood; the elements of the features of a pay system and an issuing bank as well as those of protection and personalization are also made of the said materials, including precious stones, by engraving and inlaying. A place is provided for a standard electronic chip, which may be replaced. Periods of use of the pay card and the reliability of its level of protection against imitating and counterfeiting are increased.