Quick answer
Мо́жно ка́ртой?
mózhno kártoy — two words that work in every shop
The options
Мо́жно ка́ртой?Can I pay by card?
Мо́жно нали́чными?Can I pay in cash?
Ка́ртой и́ли нали́чными?Card or cash? — what the cashier asks
Есть сда́ча?Do you have change?
Мо́жно чек?Can I have the receipt?
Why ка́ртой
The means of payment takes the bare instrumental: ка́ртой, нали́чными — with no preposition at all, exactly like е́хать авто́бусом.
Cashless Russia
Contactless payment is standard almost everywhere, including markets and small kiosks. Foreign cards, however, have not worked in Russia since 2022 — plan for cash if you travel there.
What you hear back
Да, коне́чно.Yes, of course.
То́лько нали́чными.Cash only.
Приложи́те ка́рту.Tap your card.
Typical mistakes
Мо́жно с ка́ртой?
Мо́жно ка́ртой?
No с — the bare instrumental carries “by”.
Мо́жно плати́ть ка́рту?
Мо́жно плати́ть ка́ртой?
Instrumental, not accusative.
Check yourself
Which is correct?
The means takes the bare instrumental: ка́ртой.