Money to e-wallet. Electronic wallet: which one is better to choose? Support one currency

With the development of trade via the Internet, a new type of payment unit has emerged - electronic money, which the user can store in a virtual wallet.

Online payments can be made using different systems. Today there are three most popular electronic wallets: Yandex.Money, WebMoney and Qiwi.

All of them have existed for more than one year, so there is no doubt about the reliability and security of the payments made. And to make it clearer to you what features each of them has, let’s look at which e-wallet is better to have.

Each platform offers its own rules for conducting financial transactions, so the fee for its use may also vary.

We will focus on only three criteria that are set for the payment system:

how easy and reliable it is to use such a wallet. User friendliness is the main point that people pay attention to. It is logical that difficulties with registration can scare away potential clients, and the illusion of insecurity when depositing or withdrawing funds can play a cruel joke;
popularity and liquidity of this type of electronic money. So, it will probably be more convenient for users from Russia to use Yandex, since with its help you can pay with a card in supermarkets, pay for utilities and much more without having to cash out your balance and pay a commission for it. In a number of other countries, another type of electronic money may be widespread; this currency is supported here, there are terminals, and most stores and services in the country accept, for example, WebMoney;
how functional the system is. The user may need a number of options, the presence of which in the payment system will determine its functionality and ease of use. It is generally accepted that the best wallet should have a simple personal account, confirmation of the operation using a code on a mobile phone, and several options for authorization in the system.

WebMoney payment system

When wondering which e-wallet is best to choose, people prefer WebMoney, since here you can create several wallets in different currencies and, if necessary, transfer funds from one to another at the conversion rate.

A separate virtual account is created for each monetary unit; the number of wallets that can be opened by one user is not limited.

Types of wallets

So you can only use ruble currency, but you can also create:

WMZ – dollar and WME – euro;
WMU – hryvnia;
WMB – Belarusian rubles;
And even WMX, on which you can store the bitcoin cryptocurrency.

If we talk about the prevalence of the system, then if an online store supports payment from an electronic wallet, then most likely you can pay with WebMoney here.

Banknotes can be exchanged between wallets and withdrawn to bank cards or accounts. The client can also pay for utilities directly from his personal account, replenish his mobile account and much more.

The functionality of the wallet will depend on what type of certificate the user receives. So, in order to become the owner of a personal and formal passport, you must provide scanned copies of the client’s identity documents.

Otherwise, you will have to be content with a pseudonym certificate, which imposes restrictions on the transactions performed.

It is difficult to say whether this is beneficial or not for the average user. On the one hand, the registration procedure is not that complicated, but you will have to wait 1-2 business days for the documents to be verified by the administration, and many people do not trust personal data to such services.

On the other hand, everything is done with the goal of protecting your money, so in this regard, extra precaution is justified. In terms of versatility, WebMoney is one step ahead compared to its competitors.

Only after verification will the client be able to perform various types of transactions with funds. Here you won’t be able to specify the details of a stranger. Otherwise, you cannot use a huge number of operations or withdraw funds.

By the way, the commission here is quite loyal - only 0.8% of the amount will be written off for the transaction. Therefore, many citizens believe that payments using this payment system are profitable.

Certificate system

As for limits, only those system participants who indicated their real mobile phone number are exempt from restrictions on depositing and withdrawing money. The maximum amount for a WMR wallet is:

for a pseudonym certificate 45,000 rubles;
formal – 200 thousand;
initial – 900 thousand;
personal – 9,000,000 rubles.

Transfer limits

Restrictions on other types of wallets can be found in the section wiki.webmoney.ru. By the way, there are daily limits (a threshold amount no more than which a user can send funds within a day). For an alias certificate:

per day 15,000;
per week 45,000
per day 90,000 (only with regards to WMR wallet).

For comparison, a user with a formal certificate must fit into the monthly ruble wallet limit of 200 thousand, 200 thousand and 60 thousand per week and per day, respectively.

What's the result? First of all, it will be beneficial for the client himself to go through the verification procedure in order to get rid of strict limits on transactions and fully use the electronic payment system.

Yandex service. Money

This service was created to work with individuals, but not commercial organizations, which is also worth considering when choosing which e-wallet is best to open in Russia. The base currency in this system is the Russian ruble.

To complete the registration procedure, you only need a Yandex email. The client can also order the issuance of a plastic card, which will be linked to a wallet and can easily be used to pay at the supermarket, pay for utilities, or simply cash out.

Integration with social media networks

Attention! You can transfer funds from card to card directly in your personal account, but only if both cards belong to Russian banks. The operation is carried out with a commission of 1.5% of the amount (min, 35 rubles). For transfers from wallet to wallet, a commission is debited in the amount of 0.5%.

Transfers have other limits, which will depend on the client’s status (anonymous can increase it and will not have to comply with the limits):

you can transfer 60 thousand rubles at a time from a wallet to a personal wallet, all 400 thousand are identified;
You are allowed to transfer 15 thousand from a wallet to a card for registered ones and 75 thousand for identified ones. Daily and monthly limits are 150 and 600 thousand, respectively.

An obvious advantage of the payment system is the ease of creating a wallet, because you only need a mailbox in Yandex mail. Much attention is paid to the security of wallets, but it cannot be said that the money is 100% safe and in any case there remains a risk of hacking and theft.

Therefore, it makes sense to set up user identification and ensure that notifications about all operations are sent to the wallet owner’s mobile phone.

In addition, users can download a mobile application, with which managing cash flows on their balance sheet becomes even easier and more convenient.

Payment service QIWI Wallet

With its help, you can also quickly pay bills or purchases in an online store, top up someone else’s wallet or bank card, and also withdraw funds.

As users themselves note, this is an ideal option that is suitable for people who want to periodically make small payments.

For 29 rubles a month, you can activate the SMS notification service to ensure that you protect your money from intruders and receive notifications about all transactions on your smartphone.

Advantages of Qiwi

The registration process is as simplified as possible; you do not need to go through personal identification and provide your passport details. The wallet number will be your mobile number, which was specified during registration. The benefits are obvious:

just a couple of minutes to create a wallet;
a lot of terminals to top up your account and you can download a mobile application to your smartphone;
it is possible to issue a plastic Visa QIWI Wallet card, which can be used to pay for purchases on the Internet, top up your account without paying a commission, and much more;
no need to go through authorization;
The interface is simple and convenient, with a minimum of complex settings.

One of the inconveniences is the fact that a large number of plastic cards from different banks of the Russian Federation simply cannot be topped up. It is worth talking in more detail about commissions and current restrictions.

Transfers from wallet to wallet in the system are carried out instantly, without the need to pay a commission, the minimum payment amount is a penny, and the maximum is 15 thousand rubles.

For transfers to a bank card in Russia and other countries, we pay 2% of the amount and an additional 50/100 rubles, respectively. You can transfer only 600 thousand rubles within Russia, and 150 thousand rubles per week abroad.

Cash withdrawal limits

If you want to get a Visa QIWI Wallet card, then depending on its tariff plan, rates and limits for cash withdrawals and transfers will change:

QIWI Visa Plastic – 5 thousand per day and 20 thousand per month for anonymous persons, 5 and 40 thousand respectively for standard identification. This simple classic card is delivered throughout Russia for 149 rubles.
QIWI Visa Plastic with a chip is issued under similar conditions, delivery costs 199 rubles, the user has the opportunity to pay by touch;
QIWI Visa Premium +− is an extended withdrawal limit of 5 thousand per day and 40 thousand rubles per month for anonymous and standard, as well as 600 thousand per day/month for the “Maximum” identification type.

It is recommended to complete identification in advance so as not to encounter the restrictions described above. As you can see, each wallet has its own strengths and weaknesses, rates for transfers and withdrawals vary, so you should choose the one that suits your needs.

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Hello, dear readers of the site. Today we will deal with the question - which electronic wallet is better to choose for storing and withdrawing money.

With the development of the global network, a new area in the economy has emerged. This area is called e-commerce. It includes financial transactions carried out using the Internet.

Electronic payment systems are an indispensable attribute for a person’s work online. Freelancers, Internet entrepreneurs and even ordinary users use electronic wallets to transfer, store and withdraw money to a bank card.

Online wallet convenient to use. After all, it is much easier to pay for purchases and orders on the Internet with an electronic wallet rather than with a card. In addition, some online earning projects do not transfer money to the card. In such cases, funds can only be withdrawn using an electronic payment system.

There are many such systems on the Internet. And it can be difficult to decide which e-wallet is best to choose.

In this article we will look at several of the most famous payment systems. Let's look at their features, the size of the commission and other characteristics. Through comparison and analysis, we will identify the pros and cons.

Wallet No. 1.

Is most famous payment system in the Russian Federation and CIS countries. Founded in 1998. According to some data, almost 35% of Runet users use.

The system has international status. WebMoney allows you to carry out financial transactions with various currencies: rubles, dollars, hryvnia, bitcoins, etc.

For each currency on the service you need to create a wallet. For example, for rubles this is a wallet WMR, for dollars – WMZ.

The registration process for the service is not complicated. After its completion, it is automatically issued pseudonym certificate . Such a certificate limits the possibilities for transactions. The user is only allowed to transfer funds from one wallet to another within the system.

To be able to withdraw money from wallets to a bank card, you must register formal certificate . The registration procedure consists of confirming your identity by uploading a scan of your passport to the WebMoney website.

Peculiarities:

for transferring money to another user to his WebMoney wallet, a commission of 0.8% is charged;
the commission for transferring money to a bank card is 2.5% plus 40 rubles;
for confirming a transaction via SMS, the fee is 1.5 rubles (free through the E-NUM application);
high user safety.

Wallet No. 2.

is an electronic payment service from the Yandex holding. Founded in 2002. As a result of the research, it was revealed that about 40% of Runet users use Yandex.Money to make financial transactions at least once a year.

Payment system Yandex.Money in contrast to WebMoney does not work with foreign currency. Transactions are carried out only in rubles.

To register for the service, it is enough to have an email from Yandex. New members are automatically assigned anonymous identifier . It allows you to move funds within the system, pay for purchases (no more than 15,000 rubles at a time) in online stores and other services.

Personal ID issued to participants who have confirmed their identity using a passport. It removes the restriction on the transfer of funds to the card and on the amount of money allocated for online purchases.

To open absolutely all the opportunities that the Yandex.Money service provides, you need to get identified status . You can go through identification online using the “Mobile Bank” option, provided that you have a Sberbank card. Or offline in Euroset and Svyaznoy salons upon presentation of your passport.

Peculiarities:

commission for transactions within the system: 0.5%;
for transfers to a bank card, the service charges 3% plus a fixed 45 rubles;
when withdrawing money from an ATM from a Yandex.Money card, the commission is 3% plus 15 rubles;
bonus cashback.

For Russian citizens, the Yandex.Money payment system is one of the best. It is simple and easy to use.

Wallet No. 3. Qiwi

Qiwi is a Russian payment system. Founded in 2007. It is inferior in popularity to two other domestic payment giants, WebMoney and Yandex.Money.

The main difference between Qiwi and other electronic payment services is that the Qiwi wallet linked to a mobile phone number. In addition, system participants do not need to confirm their identity by obtaining certificates and statuses.

The service works with the following currencies: rubles, dollars, euros, tenge. It is possible to order a special Qiwi card. It is useful for paying for purchases in everyday life.

Peculiarities:

commission for withdrawing funds to a card: 2% plus 50 rubles;
withdrawal up to 500,000 rubles;
bonus cashback.

Wallet No. 4.

Is the largest payment system in the world.

PayPal was developed in America in 1998.

This electronic payment system is more suitable for foreign citizens.

For a Russian person it is still a novelty. Not many of our compatriots use PayPal wallet.

To make transfers from a PayPal wallet to a bank card, you must link your bank account to it. This can be done in your personal account on the company website. Funds are transferred within a few days.

Peculiarities:

high level of security;
When paying for purchases in online stores, no commission is charged;
Internal transfers are not subject to commission;
transactions within one country are carried out without commission.

PayPal wallet is useful for those users who make international transfers and order goods in foreign online stores.

Wallet No. 5.

A relatively young electronic payment service. The system was launched in 2012. Payeer is an international system, transfers to almost anywhere in the world (more than 200 countries).

The peer allows you to make transactions without personal identification.

This option was especially liked by the owners of online investment pyramids disguised as economic games and financial projects.

In HYIPs, as you know, it is not the participants who earn money, but the creator of the pyramid himself. He cannot use a WebMoney or Yandex wallet. Money, since the identity of the fraudster will quickly be revealed. Therefore, he uses the Payeer wallet.

Peculiarities:

for transfers within the system the commission is 1%;
for withdrawing money to a card, the fee is 4% plus 45 rubles.

Payeer is a wallet for those who make money online on various sites.

Wallet No. 6.

The system announced itself on the e-commerce market in 2007. The company's head office is located in Austria. Legally, the company is registered in Panama.

The payment is used by the owners of financial pyramids and HYIP projects to receive money.

Perfect Money official website visually doesn't look very good.

Developers should pay more attention to this point, since the design of the site in the style of the 2000s scares off the lion's share of potential customers.

The Perfect Money e-wallet should be chosen among many others only when it is really necessary. After all, there are payment systems that are much more convenient and safer.

Wallet No. 7.

Advcash is a young, but rapidly growing payment system. The project especially attracted people who make money on the Internet. And this is no coincidence, because the service offers very favorable conditions.

One of them is that internal transfers occur absolutely for free. This means that users can make financial transactions with money without commission using third-party exchangers.

AdvCash invites participants to undergo identity verification. But you don’t have to do this. After all, in anonymous mode the limits are quite acceptable.

Conclusion

Let's summarize our conversation about payment systems. So, which e-wallet is better to choose? Each of us must find the answer to this question independently by analyzing electronic payment services.

Each payment system has its own pros and cons.

For some users, a high level of reliability and security is important. Therefore, they choose time-tested electronic wallets from WebMoney. For others, anonymity is important and they use the Payeer e-wallet.

It's good to have variety and choice. The main payment systems with which I cooperate are WebMoney and Yandex.Money.

WebMoney is a classic. I appreciate the system for its practicality, security, and multi-currency. Yandex.Money is a service that is perfect for ruble transactions.

That's all. Share in the comments what wallets you use.

Of course, everyone knows that the Internet is a virtual world. And, like any world, the Virtual one has its own currency - electronic money. And any resident of the vast expanse has endless freedom of action when using electronic money. But it is worth remembering that the World Wide Web is not only social networks, communication with family and friends, but also great opportunities provided by numerous electronic systems money

Today, almost no one will be surprised by such a simple action as ordering tickets through the World Wide Web or, say, purchases in online stores, paid from electronic wallets. However, one of the important conditions for such services is the availability of a special currency for the electronic money system on the Internet.

The topic of electronic money has become quite popular and often discussed. But many have not managed to fully understand what electronic currency is? What is it for? And how to properly manage such money.

So, electronic money is the newest form of money, used only on the Internet. In essence, this type of currency is no different from the paper money we are used to.

The forms of using electronic money are different. Today, this type of currency is successfully used on the Internet to pay for goods or utilities. Let's take a closer look at the main reasons that influenced the popularity of electronic currency on the Internet.

First of all, it's convenient. After all, knowing how to put money into an electronic wallet and how to withdraw money from it, you can make payments on the Internet.

How to put electronic money in your wallet?

One of the ways to deposit cash into an electronic wallet is to use payment terminals, they are available in many stores, communication shops, etc. Knowing your electronic wallet number, you select the electronic money system you need in the terminal and top up your wallet through the terminal.

Other way to top up your electronic wallet with cash- this is to print a receipt for replenishment by bank transfer, you can write out payment details if it is not possible to print the document. Then go to the nearest Sberbank branch and send a money transfer to your wallet.

Electronic money can be cashed out very quickly and withdrawn to a plastic card using any trusted “exchanger” or, on the contrary, money can be transferred from a bank card to an electronic account.

The main leaders of electronic money systems for several years have been: Webmoney, QIWI, Yandex.Money. Although electronic payment systems have different names, they perform the same role.

Fifthly, this is relevant. Payment with plastic cards on the Russian Internet has not yet received widespread use; cash on delivery is not used by all Internet services. Therefore, the only alternative for payment remains electronic currency. This is very convenient both for consumers and for sellers of online stores.

The relevance of virtual money today has increased so much that you can easily use even a mobile phone to make any payment.

Electronic wallets are gaining increasing popularity in the Russian Federation. There are currently several types of electronic payment systems operating in the country. Some allow you to buy in foreign online stores, others are combined with a mobile phone, and others only work with Russian rubles. You can choose the appropriate one based on functionality. The article describes some types of popular wallets.

Types of electronic wallets

The main purpose of electronic payment systems is online payments, which eliminate the need for users to transfer money in person. Different types of drives differ in interface, convenience, ease or complexity of use, set of functions and protection measures. According to these principles they are divided into:

Wallets that support one electronic currency (Yandex.Money);
Multicurrency electronic wallet systems (WebMoney, OKPAY);
Drives that contain not only electronic funds, but also make it possible to automatically accept payment for goods (RBK Money).

Unified electronic wallet

Unified Wallet W1 is an electronic payment system that provides services for making payments online. You can use the service through digital devices with Internet access: computers, laptops, mobile phones. To register, you need a valid cell phone number and access to the World Wide Web. After completing the procedure, the user will receive an SMS with the wallet number and password.

This virtual electronic wallet differs from similar ones in the large number of partners to whom you can transfer money without commission. Funds are also transferred between users within the system. They can:

pay utility bills and Internet service providers;
top up mobile operator accounts;
repay accounts payable.

You can cash out funds from a single wallet using postal transfers or the “Contact” payment system. The procedure takes no more than a minute.

Troika card. Online wallet

The Troika card is used to pay for travel on Moscow public transport. It was introduced in 2013, when tariffs for using public transport changed. The Troika electronic wallet is a plastic card for storing money for travel. That is, this is a transport electronic storage device.

Similar maps are available in most large cities with active traffic flow. The main goals of introducing the Troika in the Russian capital are:

Reduced queues due to the fact that there is no need to top up the card after each trip;
Creation of a general map for all types of transport.

The card can be obtained at any metro ticket office or at Mosgortrans kiosks. The buyer pays a deposit of 50 rubles and a fee that corresponds to the cost of one ride on public transport.

Then the card holder will be able to top up the account at ticket offices or automatic machines of the metro and Mosgortrans or return the card and receive the deposit amount back. The minimum contribution amount is 1 ruble, the maximum is 3000. Deposited funds do not expire for 5 years after the last replenishment. And after the first year, the card will become protected from loss or theft. To do this, the owner must undergo voluntary personalization.

Paypal e-wallet

This international payment system is called one of the most relevant for making purchases abroad. In addition, you can use this electronic storage device to pay for goods and services on the Internet. Paypal differs from similar electronic wallets in the following features:

Opening an account is free. The system does not charge interest when sending funds. The commission is taken by the bank where the applicant’s account is opened. They are charged for currency conversion during a transaction.
Payment for services in Paypal is calculated not from the sender, but from the recipient. The amount depends on the type of account (Personal, Premier, Business).
There are certain restrictions for residents of CIS countries. For example, in Russia, payments for purchases are made without hindrance. But until 2011, there were nuances associated with the movement of finances: it was possible to deposit money, but the money was withdrawn only to an American bank account. Now there is a limit of $500 for sending payments.

Beeline electronic wallet

Like other Big Three operators (MegaFon, Beeline, MTS), Beeline created its own micropayment system. To develop the mobile payments project, electronic wallets have been developed without commission for transactions. The service, called RURU, was created jointly with Alfa-Bank and allows you to:

Pay for goods and services using electronic and mobile commerce, electronic money and payment cards.
Pay for communication services or housing and communal services.
Buy air and train tickets.
Repay the loan to the bank.
Buy things from online stores.
Transfer money to a bank card and WebMoney.

Visa. Electronic wallet Qiwi Wallet

2 well-known payment systems created a joint product that combined an electronic storage account and a prepaid card account. As a result, buyers can use electronic money wallet on any website that accepts VISA cards. You can also top up your card with cash through an electronic wallet using a terminal.

The Visa Qiwi Wallet electronic wallet is considered one of the most popular in Russia. This is facilitated by:

The disadvantages of this system include a vulnerable security system. By restoring the mobile number, the scammers also gain access to the wallet. The phone number is used as is and will have to be disclosed for transactions.

Important point: this payment system is one of the few that charges a commission when replenishing a mobile account.

Before registering an electronic wallet, you need to determine the currency that will be used to pay for purchases or conduct business on the Internet. Universal payment system – WebMoney. It allows you to open more than one account and use not only rubles, but also dollars, euros, and other currencies.
The main advantage of any electronic wallet is the ability to transfer and receive virtual funds without waiting and anywhere. Within one system, sending money is not subject to commission; when transferring in different systems, a percentage of the amount is withdrawn.
The ease of use of electronic wallets attracts both law-abiding users and scammers. Therefore, be careful and follow safety precautions:

install antivirus;
use a complex password;
Do not tell your login and password to strangers.

The popularity of electronic payment systems is difficult to overestimate.

The ability to instantly pay for goods and services and make money transfers in real time and anywhere is convenient for both freelancers, businessmen, and ordinary users.

There are many payment systems that allow you to transfer money anywhere, anytime. Let's look at the most popular ones.

WebMoney payment system

The WebMoney system allows you to instantly make secure and anonymous payments for goods and services. The instrument of lending and payments in the system are conventional monetary units:

1 WMZ: equivalent to 1 US dollar.
1 WMU: equivalent to 1 hryvnia.
1 WMR: equivalent to 1 ruble.
1 WME: equivalent to 1 euro.

Regardless of the operation performed, the system charges a standard commission of 0.8%. Anyone who has reached the age of majority can become a full participant in the system. To do this, you must go through the registration procedure.

How to register in WebMoney

The next step will require you to enter your phone number. Please note that you need to enter a number that has not been used before in the system.

Fill in the empty fields in the window that opens and click “Continue.” Check again that the entered data is correct, then confirm it by clicking “Next”.

Go to the mailbox specified during registration to view the registration code, which is required to confirm your mailing address. Enter the registration code and click “Next” or click on the link in the letter. Enter the code sent to your smartphone, click “Continue”.

To complete registration, you should come up with a good password and enter it in the appropriate fields. Registration is completed. However, to fully use electronic money, you will need to create wallets.

To do this, you need to go to the “Wallets” tab in your personal account, select the desired monetary equivalent, agree to the terms of the user agreement and click the “Create” button.

The wallet has been successfully created. In my case, it was assigned a number - R525586508927, where R is the designation of the ruble (Russian rubles) equivalent. Now, by indicating this wallet number, you have the opportunity to pay for services, make transfers and perform other operations in the system. Wallets can be managed directly through the Webmoney wallet site itself or using specialized software (Keeper WinPro).

Please note that during the registration process you received an alias certificate. This is the lowest level of certificates in the system and does not inspire confidence among users. To obtain a formal certificate, you must upload data and color scans of your passport to the WebMoney Transfer Attestation Center. The system does not charge a fee for obtaining a formal certificate. Professional certificates are required to work in the system as an Arbitrator or Registrar.

Withdrawal methods:

1) using the WebMoney.Cards service.

You can order the issuance of new cards and instantly top them up using your webmoney wallet:

PaySpark USD MasterCard- dollar card (issue fee - $12, $10 - initial deposit, $6 - payment for the first month of service);

PaySpark EUR MasterCard- card for payment in euros (issue fee - $10, $10 - initial deposit, $6 - payment for the first month of service).

Using these cards you can pay in stores and withdraw cash from ATMs. Please note that when withdrawing funds, a commission of 0.6% is charged, plus the standard system commission of 0.8%. To open a card, you must have a certificate of at least a formal one.

Residents of the Russian Federation can open ruble cards: Maestro, MasterCard Standard. To apply for a card, you must leave an online application at https://wm-card.com/ and visit an authorized representative of the NPO “Network Clearing House” with an identification document;

2) withdrawal to any bank card(or to a savings book account).

The commission is 1%, and withdrawal conditions depend on the monetary equivalent. So, in order to withdraw rubles to a ruble card, you must first attach the card to WMID; to withdraw dollars, you just need to indicate the card number, its expiration date, and the amount to be topped up;

3) Money transfers in the systems “Contact”, “Unistream”, “Golden Crown”, “Leader”, Anelic, NPO SRP.

Only WMR can be transferred, and payments are available only in the Russian Federation. Commission size - from 0.5 to 3.5%;

4) at exchange offices. The commission amount is from 1%.

Replenishment methods:

1) using a plastic card (2.5%);
2) using payment terminals (1%);
3) from a mobile operator account (5.95–12.5%);
4) through bank branches (1–7%);
5) postal transfer (2.2%);
6) prepaid recharge cards (0%);
7) ATMs (1–3%);
8) WebMoney exchange points (0–4%).

Review of the Yandex.Money payment system

The Yandex.Money electronic payment system allows you to make instant payments between users. Initially, it was developed for mutual settlements between residents of the Russian Federation, so it uses only one monetary unit - the Russian ruble. The system uses modern Paycash information security technology.

Anyone can use Yandex.Money. To do this, you need to go through a simple registration procedure. Yandex.Money does not charge commissions for payments to connected stores and account top-ups. When transferring to another wallet, a commission of 0.5% of the payment amount is charged.

How to register in the Yandex.Money system:

Any wallet opened in the system is anonymous. This imposes restrictions on deposits and withdrawals of funds, as well as on internal transactions. Thus, an anonymous person cannot store more than 15 thousand rubles in his wallet; a one-time payment is limited to a similar limit.

Obtaining personal status for a citizen of the Russian Federation is quite simple. To do this you need to go through the identification procedure:

1) in the upper right corner under the wallet number, click the “Anonymous” link;

2) in the window that opens, click “Get personal status”;

3) enter your passport details.

Input methods:

1) transfers through the systems “Contact”, Anelic, “Unistream”, “City”;
2) in self-service terminals;
3) Yandex.Money prepaid card;
4) cash at the bank (Sberbank-online);
5) direct transfers to the wallet from other users.

Withdrawal methods:

1) using a Yandex.Money bank card. The card allows you to pay in hotels, restaurants, supermarkets, and withdraw cash from ATMs in any country where there is a reader with the MasterCard PayPass sign. You won’t have to pay anything for issuing the card and delivery; 3 years of card maintenance cost 149 rubles;
2) to a card of any bank. This withdrawal method involves a commission of 3% + 15 rubles (up to 3 business days);
3) to the bank account of individuals and legal entities (up to 3 working days);
4) expedited transfer to one of the following banks: Alfa Bank, Otkritie Bank, Promsvyazbank, Tinkoff Bank (within a few minutes);
5) through transfer systems: Western Union, Contact, RNKO RIB, Idram.

QIWI is a universal instant payment service that includes not only an Internet version and a mobile application, but also a large-scale network of terminals around the world.

By creating a wallet in the QIWI system, you can pay for goods and services, transfer money anywhere in the world directly from your phone, PC, laptop, tablet or through a terminal.

The QIWI service cooperates with the Visa payment system. At the same time, the main advantage of Qiwi is the ability to maintain complete anonymity. Through Qiwi cards you can withdraw up to 40 thousand rubles in cash every month without disclosing information about yourself.

The transaction limit for an unidentified user is 100 thousand rubles, which means the remaining 60 thousand rubles can be used for purchases in stores and other places where plastic cards are accepted.

How to register

The registration process is quite simple: to do this, you need to enter your mobile phone number by following the link https://qiwi.com/, and click the “Create wallet” button. At the next stage, you need to confirm the password and enter the code received in the SMS message.

Qiwi vouchers

A convenient way to transfer money to the recipient. Send any amount up to 15 thousand rubles by email. The recipient will receive a letter with a link to activate the transfer, and no information about the sender of the payment will be displayed. In some cases this is very convenient. Transfer fee – 0%.

Replenishment methods:

1) in cash at payment terminals, communication shops, and ATMs. Commission amount - 0%;
2) bank cards - commission 0%;
3) from your phone number. Commission of MTS - 9.9%, Megafon - 0%, Beeline - 7.95%, Tele 2 - 9.9%, Matrix - 3.9%;
4) transfers “Leader”, “Contact”, MASTERCARD MONEYSEND, Anelik, UNISTREAM, WesternUnion. Commission - 0%.

Conclusion:

1) to a Visa, Mastercard or Maestro bank card: commission 2% + 20 rubles, to other countries - 2% + 40 rubles;
2) to Russian Post Offices: commission 2.5% + 60 rubles;
3) transfers “Leader”, “Contact”, MASTERCARD MONEYSEND, Anelik, UNISTREAM, WesternUnion;
4) to an account opened in any bank: 1.6%, but not less than 50 rubles;
5) issuance of a Visa plastic card synchronized with your QIWI account. The card allows you to make payments in any servers that accept Visa cards, and withdraw money from any ATM in the world. Service and SMS notifications are free.

Review of the PayPal payment system

PayPal is a fast-growing payment system that gives users the ability to make payments using webmail, mobile phone, tablet or laptop.

System advantages:

Confidentiality;
the ability to send and receive payments anywhere in the world;
sending funds is carried out with a minimum commission;
a convenient means of payment on eBay auctions.

How to register

Go to link, select your country of residence, the language in which the information will be displayed, and your account. The system offers personal and corporate accounts. To open a business account, you will need to provide information about the business area, address and company name. There are no fees charged for online purchases or for accepting payments. Select “Personal Account” and click “Get Started”.

On the page that opens, you will need to fill out all the fields and click “I agree and open an account.” You are taken to your personal account page and have the opportunity to use all the functions of the service.

PayPal Features:

Sending payments to any user by email (as in Qiwi);
money transfers to a bank account;
request to receive payment. The tool allows you to send emails with a payment form;
tools for websites that allow you to place quick payment forms on third-party resources;
tools for trading at auctions.

About the commission

There is no commission for some services; in all other cases, its size ranges from 2.9% + 10 rubles to 3.9% + 10 rubles, depending on the amount sent.

Drawing conclusions

It is difficult to say which of the reviewed systems is better. If anonymity is important to you, choose Qiwi; for business and online work, WebMoney or PayPal are good options. If you are a citizen of the Russian Federation, take a closer look at the Yandex.Money system. Of course, no one forbids registering in all of the above systems and using them as needed.

(16 ratings, average: 5,00 out of 5)

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