How to create your own e-wallet? What is an e-wallet and how to use it How can I create an e-wallet

If you buy online, then you have probably already encountered or successfully use electronic wallets. This is a convenient way to pay and receive payments. But we noticed that people are afraid to use e-wallets because of their apparent complexity. In fact, there is nothing wrong with them. Let's analyze the features of the most popular electronic wallets. What's happened online wallet Wallets of trusted electronic payment systems are safe and convenient. They allow you to store money in different currencies, pay for purchases in foreign online stores, and transfer money. Electronic wallets can be useful for freelancers and those who often shop or, on the contrary, sell something on the Internet (for example, through classifieds sites).
Paying with an electronic wallet eliminates the need to leave bank card details on an unfamiliar site. Electronic wallets do not have an expiration date. Their use for personal purposes is free. Commissions may only be charged for the use of certain services, for example, when withdrawing cash.

Yandex money

Qiwi

WebMoney

PayPal

This article will address the questions How to use payment systems?" And " Which e-money service to choose?". There are 3 most popular payment systems in Russia:

• "Yandex money"
• "QIWI Wallet"

Electronic money has existed for more than 10 years and during this period not only gained popularity, but also began to be very closely introduced into everyday life. They allow you to make fast financial transactions around the world, ranging from utilities to the services of telecom operators and providers, make purchases in online stores and much, much more.

Electronic payment systems have expanded the audience of users through the release of mobile applications for tablets and smartphones. In the near future, the main prospects for the development of electronic payment systems will be closely related to the market of mobile gadgets and additional services, gradually expanding the functionality. Comparison of 3 types of electronic wallets: Qiwi Wallet, Yandex Money and Web Money, will help you determine the most convenient payment system.

Security of transactions and personalization of payment systems

Creating an account in payment systems is similar to other online services, except that the binding of a mobile phone number is a prerequisite. The ability to make anonymous transactions is, but very limited.

It is worth considering that the state has long been going to control the movement of funds in the field of electronic payments and introduce rules for the mandatory identification of owners of electronic wallets. Identification is required if you:

• often receive electronic money transfers or often transfer money yourself;
• planning to collect donations;
• plan to post the account number in the public domain;
• often cash out electronic money;
• receive bank transfers to your account from other people.

To create an individual WebMoney account, you must register on the site. When filling out personal data, be sure to enter reliable information about yourself (last name, first name, patronymic, passport data). Then to the specified address Email a registration code will be sent, and you will also have to confirm the correctness of the specified mobile phone.

Then you can start downloading and installing the WM Keeper Classic program from the developer's website, with the help of which you will continue to perform any operations with your online wallet.

In the WebMoney online service, personalization of your account is required, but at the same time, at the request of the user, it is possible to make anonymous payments. Any account holder can receive a digital certificate called a passport, the level of which will depend on the amount of information provided about themselves. However, only the certificate entry level does not require the indication of passport data. To obtain certificates of higher levels, you must provide your personal data and wait for their verification.

Yandex.Money does not force users to transfer their personal data to the system, but reminds that if you plan to make transactions with a total turnover of more than 15,000 rubles per day, then you can’t do without the account personalization procedure. In order to gain the trust of other users who will see your status, and trust payment system, you must write an application for identification and send a copy of your passport by mail or visit one of the Yandex.Money offices.

Unfortunately, there is no other way to officially confirm your identity. Market leaders in payment systems would be happy to remotely identify users - for example, through a video call, but so far the state does not allow the simplification of this procedure. It would also be convenient if a user who received a card from a bank (and, therefore, has already shown him his personal data), and then linked such a card to his electronic account, would not go through the procedure a second time. But while all these methods are not permitted by law, payment systems identify their customers exclusively by offline methods, including through partners. For Yandex.Money, for example, this can be done by making an identified payment through the CONTACT system (in this case, the procedure will take only 2-3 days) or through the Equifax online credit bureau.

On June 17, the QIWI service began active work on identifying the accounts of its users. At the moment, the service is available only to residents of Moscow and the Moscow region. Anyone wishing to personalize their e-wallets should come to one of the Intercom stores and fill out a questionnaire there, indicating personal data and the phone number to which the account is linked. The partner of the company, Intercom, which provides the identification service, takes a commission of 10 rubles. QIWI representatives claim that integration with such systems should be completed in the near future. like "SPSR-Express" and CONTACT, which in their offices will be able to help identify user accounts throughout Russia. In addition, at the moment there is a possibility of courier delivery of documents in Moscow and in the regions of Russia.

Mobile applications of payment services

The days when the PC was the main and only means of making electronic payments are behind us, and now smartphones and tablets are increasingly used to solve these problems.

Mobile applications turn a mobile device into a real wallet. They allow you to make purchases directly from the client program of the corresponding online service using electronic catalog goods, as well as to carry out various money transfers.

Mobile application "QIWI Wallet"

The version of the mobile application "QIWI Wallet" exists not only for popular Android and iOS - it is also supported Windows systems Phone 7, Windows Phone Classic, BlackBerry, Bada and J2ME. In addition, special versions of "QIWI Wallet" have been released for iPad tablets and the BlackBerry Playbook. All versions, in addition to specialized app stores, can be downloaded from m.qiwi.ru. To enter the wallet, you must enter your mobile phone number and password (the same one you use to log in through the web interface) in the appropriate fields and accept the offer agreement. Subsequently, authorization will be carried out automatically, and if you need to go to another wallet, you just need to reset the settings through the corresponding item in the menu. Using the mobile "QIWI Wallet" is even more convenient than using the web interface. There are only four tabs with which you can pay for goods and services, view the history of transactions, adjust settings and contact the support service of the payment system.

Application for mobile devices WebMoney Keeper Mobile

The WebMoney Keeper Mobile application is not inferior to QIWI in terms of the number of covered operating systems A: Mobile clients are available for Android, iOS. Windows Mobile, Phone and J2ME. Here, traditionally for WebMoney, you won’t be able to get away with entering a login and password - you will have to go through the procedure for connecting wallets. To add all available wallets for various types of currencies, you must click the "Add an existing wallet" button, enter the password that is used for the web interface, and then select the "Add power of attorney" item. Next, you will need to fill out an application for establishing trust and set the necessary limits for depositing and withdrawing funds, if necessary. After that, you can start working with wallets. There are also 4 tabs here, the names of which correspond to their purpose. Unlike clients of other payment systems, there is a convenient QR code scanner here, which greatly simplifies the payment for some goods immediately after scanning, without searching for the desired item in the menu.

Mobile client "Yandex.Money"

The Yandex.Money mobile app only supports Android and iOS operating systems. Users of other mobile operating systems currently have no choice but to use mobile version web interface of the payment system. Authorization occurs using a login and password, but here only 1 account can be linked to one account. To open a new account, you will need to use full version site. The client menu also contains 4 tabs: with information about the balance, as well as with the functions "Top up", "Transfer" and "Pay". It is convenient that on the "Top up" tab, opposite each bank, the percentage charged for replenishment is indicated, in each case it is individual and set by a specific bank. As for the “Translate” option, there are some inconveniences here. If you need to transfer to another Yandex.Money client, you cannot select his name from the address book - you can only enter it manually.

Bank cards and "cashing out" in payment systems

Of course, electronic money is most often used for Internet payments and electronic settlements, but sooner or later, any user, especially those who receive money for their work on an electronic wallet account, faces the question of a simple and safe withdrawal of funds.

Sometimes it is necessary to cash out electronic currency, in which case payment cards are the most useful tool.

Virtual

All payment systems offer to use virtual cards created specifically for secure online payments. They only exist in in electronic format and do not have a physical medium. A virtual card cannot be topped up, but you can purchase a card with any balance or use it for a one-time purchase in an online store by ordering a card whose balance will be approximately equal to the amount of the upcoming purchase. The physical absence of the card does not affect its functionality - it is a complete payment card with all relevant bank details (validity date, account number. CVC’2 code).

QIWI offers an instant issuance of a QIWI Visa Virtual virtual card with a separate balance and a validity period of two months (purchased for the amount of the proposed purchase + 2.5% of the cost (but not less than 25 rubles). Yandex.Money such cards are issued by Intercommerce Bank and cost 1.99% of the face value of the card, but not less than 19 rubles WebMoney offers virtual cards of the MasterCard system issued by the Network Settlement System* MasterCard Virtual exists in the form of details: a unique number will be sent to your WebMoney Keeper client, and the cost of replenishing the card is 10 rubles + 1% of the face value.

Plastic

In addition to virtual cards, all payment systems offer to link an ordinary plastic card to an electronic account, with which it is convenient to pay for purchases in regular stores, as well as withdraw cash from ATMs.

QIWI and Yandex.Money issue such cards for free - you only have to pay for delivery by mail. The card account is combined with the electronic account: the amount available for the operation on the card is equal to the account of your electronic wallet. Visa QIWI Wallet card is valid for 1 year. Several plastic cards can be issued to one Visa QIWI Wallet. Yandex.Money offers a MasterCard card from Tinkoff Credit Systems for a period of three years, with a chip and a magnetic stripe. At the same time, only identified users of the system can withdraw cash from ATMs - another reason to personalize your electronic account. Offline and online payments both cards allow you to make commission-free. The cost of withdrawing funds for both systems is also the same - 3% of the amount + 15 rubles (but not less than 100 rubles).

The WebMoney online service went even further and not only offers plastic payment cards linked to the balance of an electronic account, but also lends to its customers for quite significant amounts in partnership with Otkritie and Russian Standard banks.

When you open a card, an electronic account in WebMoney is instantly connected to it, after which you can freely transfer money from the card to the electronic wallet and back. It is interesting that in case of non-cash payment by the Otkritie bank card for goods and services, 1% of the purchase amount is returned to the electronic wallet each time. And the Russian Standard bank card for every 100 rubles spent guarantees the accrual of 0.98 accounting units to the WebMoney electronic account as a bonus. Otkritie Bank provides a credit limit of up to 500,000 rubles, for Russian Standard it is 750,000 rubles.

Advantages and disadvantages of electronic payment systems

Advantages:

• Reliability
• Ideal for transfers in different currencies
• Allows for commercial
• activity
• Possibility of lending

Flaws:

• Sophisticated security settings
• Interest is charged on transfers within the system
• Very complicated certification process

"Yandex money"

Advantages:

• Simple registration procedure
• Easy authorization without additional confirmations
• Payment for any services, purchases and fines
• in three clicks

Flaws:

• Works only with rubles
• Business Prohibition
• Low security (high risk of hacking via mail)

"QIWI WALLET"

Advantages:

• Huge network of terminals for account replenishment (more than 100,000)
• No commission for paying for services and depositing funds
• Ability to make payments via SMS
• Integration with other popular payment systems

Flaws:

• High percentage of commission when withdrawing funds
• Limited cash withdrawal options
• Lack of lending

How to use an Internet wallet (on the example of a QIWI wallet)

In recent years, electronic money and payment systems have begun to gain rapid popularity, but many Russians still continue to use cash as their main payment instrument. Meanwhile, among those who are not ready for progress, there is still a large proportion of those who simply have not yet fully understood how much easier the use of virtual money makes life. About what an electronic wallet is and what well-established electronic payment systems currently operate in Russia, this article.

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Time does not stand still. With the advent of the Internet, people got the opportunity, using the World Wide Web, not only to receive the necessary information, communicate and perform many other useful operations, but also pay for purchases and services. Now, in order to transfer money to someone, it is not at all necessary to go to a financial institution and humbly wait in line at the approach to a bank employee, now you can transfer your hard-earned money to someone using your electronic wallet, just sitting at home.

What is an electronic wallet

An electronic wallet is computer program, which allows the user to store electronic money and use it to make cashless payments on the Internet. An electronic wallet is essentially an analogue of a bank account.

Today, an electronic wallet is an ideal payment instrument for those who spend money on the Internet, making online purchases, and for those who earn money in it, being a freelancer (copywriter, translator, designer, programmer). With the help of such a wallet, you can make various kinds of calculations using virtual money, which can then be easily and simply turned into real tangible funds and withdrawn either to a bank account or to a plastic card.

Before installing an electronic wallet, you must first select a payment system. They differ among themselves on a number of grounds, including, for example, such as: the ability of an electronic wallet to contain one type of electronic currency or several, the ability to automatically accept payment for goods, and others.

At the same time, each payment system offers its own set of options for replenishing the wallet and withdrawing money from it. For example, you can replenish your wallet, depending on the capabilities of the payment system, either

• by purchasing a special prepaid card;
• by transferring funds to a wallet from a mobile phone account;
• using mobile Internet banking;
• through an ATM;
• by making a postal or bank money transfer;
• using a payment terminal.

You also need to remember that a commission is provided for transferring money using an electronic wallet, and it is better to clarify the tariff for its implementation before choosing a payment system.

Meanwhile, unlike a bank card, you can use an electronic wallet for free.

Summing up, depending on how it is more convenient for you to replenish your electronic “assistant”, how to withdraw funds from it and a number of other factors, you should understand which electronic payment system will be more convenient for you.

Popular payment systems

There are many payment systems that allow you to create an electronic wallet. In Russia and most of the CIS countries, such payment services: Yandex.Money, WebMoney and QIWI.

Yandex. Money

Yandex. Money is an electronic payment system from the Russian search engine of the same name, which was created specifically for Russians and was launched in 2002. It is a very convenient and easy to use service. You can receive, send and exchange electronic money with the help of your e-wallet.

When working with an electronic wallet from Yandex, you can use the site's web interface and mobile application. You can replenish your wallet by all the methods listed above (in payment terminals, bank branches, offices mobile communications and so on), you can withdraw money

• by transferring them to a free Yandex.Money plastic card (you can withdraw funds to it for settlements in ordinary stores or withdrawals through ATMs within a few minutes, however, almost all transactions are carried out with a commission, the amount of which depends on the amount of the transaction;
• by transferring them to another bank card or account;
• by sending them somewhere through the money transfer system.

The only disadvantage of a wallet from a Russian search engine is that it can only be opened in Russian currency.

WebMoney

Perhaps the most popular system among those who prefer to make money on the Internet. Exists since 1998 and is international.

Unlike other payment services, WebMoney works with virtual rather than real monetary units that correspond to real currencies (for example, WMZ - US dollar, WMR - Russian ruble).

This payment system allows

• transfer money to any bank account, withdraw it to payment cards or receive it in cash;
• unlike Yandex.Money, work with several currencies at once, for which a separate electronic wallet is provided with the ability to exchange between them.

Also, the use of WebMoney has a number of advantages, including

• simple identification procedure: to go through it, you just need to send a scanned copy or just a photo of your passport without visiting the office;
• the possibility of obtaining a whole set additional features, including debt and credit services;
• the possibility of obtaining several types of certificates, which allow you to gradually increase your capabilities in the payment system.

In the international payment system QIWI, which appeared in 2007, you can create an electronic wallet QIWI Wallet. The main feature of this wallet is that you can work with it not only using the Internet, mobile phone, but also payment terminals, a huge number of which are installed in Russia.

As soon as you decide to register your e-wallet from QIWI, you will need to link your mobile phone number to it. It is this “feature” of the payment service that makes it possible to significantly simplify the process of financial management. In addition, QIWI has a number of other advantages, among which

• free creation of a wallet in four currencies at once (ruble, euro, dollar, Kazakhstani tenge);
• the ability to pay for a variety of services;
• the ability to order the issuance of a card that will be tied to your wallet (compare with the same opportunity from the Yandex.Money service;
• minimum commission for any monetary transactions (about 2%).

In addition, you can replenish an electronic QIWI wallet by any common means: by bank card, and by money transfer, and, of course, through a terminal and others.

Thus, you see that the answer to the question: which payment system to choose, as you see, depends entirely on your preferences and how you plan to use your e-wallet. So, for example, if you constantly live in Russia, then you can open a wallet in any of the indicated services - you will not have any problems with replenishing it, making payments, withdrawing funds. If you make money on the Internet, are a freelancer and often make online purchases, then it may be more convenient for you to use WebMoney.

Choose for yourself the most profitable terms and share in the comments which wallet turned out to be the most convenient for you.

IN modern world the system of virtual money circulation is becoming more and more relevant. Today, all payments and transfers can be made via the Internet. It's fast, profitable, convenient. In this case, monetary transactions are carried out from any point where the subject is located and do not require visiting any institutions. In addition, the advantage of online settlement is that banks cannot exercise control over cash flow. unlike bank card transactions.

To store digital money, for all manipulations with them, there are virtual or electronic wallets. In fact, this is a record - a cell in a computer system where only numbers exist. But such money works in the same way as ordinary paper money.

The entire global system of money transactions on the Internet is defined by the abbreviation EPS.

What is an e-wallet for?

For financial transactions within world wide web there are special sites, in fact, these are digital cells that store information about all the user's monetary manipulations. When registering on such a resource, a person has the opportunity to create an electronic wallet that has his personal identification number. This purse is very similar to the usual. You can take money from it, you can put money into it, it is convenient to save money in it. Using this service, it is easy and convenient to make any payments and transfers. There is also the possibility of transforming virtual money into real money, if necessary.

The user has the ability to register several wallets, both in one system and in several. The choice of currency also remains with the citizen himself. Most often it is dollars, rubles or euros. All currency exchanges take place at the current exchange rate. Using electronic money, it is possible to pay for goods on the Internet, pay for the phone, utilities, pay loans and buy plane or train tickets.

Naturally, sites that provide such services take a certain commission. But as a rule, it is not too large, which makes the use of virtual wallets even more attractive.

Benefits of e-wallets

Today, the system of digital financial transactions covers the entire world community and includes, among other things, the traditional banking system. The bulk of money flows through the electronic system, which makes it increasingly necessary to have electronic wallets for ordinary users. The most commonly used services are Yandex.Money, QIWI, PayPal, WebMoney, Skrill.

The global network today provides a wide opportunity for remote work. A huge number of people around the world are engaged in freelancing. These are copywriters, site owners, bloggers, designers and models, Internet resource managers, programmers and stock players, brokers and bookmakers' clients. In all these cases, payment is made remotely, namely to an electronic wallet.

But the spread electronic ways cash transactions are expanding among those who have nothing to do with freelancing. Simply because in today's realities it is difficult to do without it. Convenience, simplicity and speed of Internet financial manipulations are increasingly attracting users.

Which e-wallet to choose

To decide which wallet is needed for a particular user, you should familiarize yourself with the main functionality of the most popular systems. Thus, having identified all the possibilities and advantages of each service, you can decide what an individual wallet will be like. When choosing, it is worth considering the volume of planned operations, the timing of the speed of withdrawal of funds.

For novice users, it is important, in addition to all of the above, the ease of registration and use, the clarity of the interface and the simplicity of the algorithm of actions. So that you can deposit and withdraw money in a couple of clicks.

It is also very important which sites a particular payment system is associated with. And is it possible to withdraw money to this wallet from this resource. So, freelancers working on the Advego website will be able to withdraw their earnings to QIWI or WebMoney, but not to Yandex.Money. Therefore, this category of citizens needs wallets in one of the first two systems.

There is also such a factor as terminals conducting operations with EPS, or rather, their presence or absence. The need for such terminals for a specific wallet holder.

And finally, it is recommended to familiarize yourself with the tools of the payment site: how convenient it is to work with the wallet, deposit or withdraw funds, in what currency the accounts exist, how secure the funds are, how quickly you can contact the site administration, what percentage and for what operations EPS charges.

Usually, as the system of electronic payments is mastered, a person has several wallets in different systems or in one. For example, in WebMoney, many people start two wallets at once: one for rubles, the second for currency. To begin with, it is worth determining for what purposes the wallet will be intended and, based on this, stop at one or another offer.

How to create an electronic wallet

So: the choice is stopped on a particular payment system. Next in search line any browser you need to type the name of the EPS, the very first site that the search engine will give out, and there will be a page of the official site. First you need to register. This is a simple and fast procedure.

Here are the addresses of the most popular payment systems:

• QIWI official website: www.qiwi.com
• WebMoney official site: www.webmoney.ru
• YandexMoney official website: money.yandex.ru
• PayPal official website: www.paypal.com/ru

You can just follow the link without going to the search engine, in any case, the user will be on home page desired site. This will open the "create wallet" or "registration" window. You just need to fill in all the fields, enter personal data. All data, including full name, residential address, email, passport data and phone number, must be entered real and reliable, as this is related to the security of funds. Phone numbers and email addresses it is also a way to contact the wallet holder. They will also receive messages on all monetary transactions.

After entering all the data required by the system, you should click the "register" or "create" button. On specified number phone or email address, you will receive a message with an activation code. This code is entered in the appropriate line and, thus, the authenticity of the data is confirmed and the account becomes active. The user receives an individual number of his wallet and a warning that his wallet data should not be disclosed to third parties.

You should also carefully read the terms of the user agreement and tariffs.

Registration, creating a wallet, maintaining a financial account - all this is absolutely free services, but many transfers have a percentage fee. Although, there are transactions without a commission. Here, each site has its own rules, which are better to know in advance.

How to use an e-wallet

Now that the creation of the wallet is over, it is worth taking a closer look at the functions of this payment resource. The main one here, of course, is the input and output of money.

• Deposit cash - for this you need a terminal that has a transfer function real money in digital form with their subsequent transfer to the specified wallet. For the same purpose, you can contact the points of reception of specific resources. But this method is not always and not convenient for everyone, since terminals with similar characteristics are still rare and there are not too many points. In addition, it takes time and movement from one point to another.
• Top up with a prepaid top-up card - to top up your wallet with a card, you need to purchase it. Such cards are sold at points of different operators, in mobile phone stores, etc. Then she activates through her account and the money goes to the account. But with this method, the card seller takes his commission and the cards themselves still need to be looked for. Therefore, this method is not particularly popular and not very common.
• Replenishment using a bank card - it is most convenient to replenish an electronic wallet virtually without leaving home, simply using the services of online banks, for example "" or electronic bank Post Bank. Today, all major banks have their own online applications that you just need to install on your smartphone. You can make such a transfer on the website of the bank itself and by going to your electronic wallet. Just click on the "replenish" button and enter your bank card details, as well as specify the transfer amount.
• You can also transfer money from a card to a digital account through the terminal. The main thing is that it supports such a function.
• Transferring money is possible not only from a card, but also from a bank account, for this it is enough to enter the details at the request of the resource.
• Funds are also deposited using exchange systems, for example, using.
• Receiving payment for work performed, goods sold and services rendered.

Electronic wallets are widely used to receive various kinds transfers from others. This includes paying for remote work, receiving lottery winnings, and simply receiving any funds on the Internet.

Electronic money is the main means of calculating buyers of online stores and, in general, any selling network resources. This is the purchase of goods and payment for the use of certain sites, and access to necessary information. Buy movie, download new book, pay for training course: any of these actions can be performed remotely. An electronic wallet is a way to pay for a loan, cellular communication, an apartment, for kindergarten child, for the Internet, without leaving home. When ordering food at home, paying for the delivery of flowers for my mother's birthday, buying a tourist package and traveling on a liner around the world, more and more people around the world use EPS.

Mutual settlements in the network provide the widest opportunities for users: transfers are easily carried out between countries and continents. The owner of the wallet will easily send the transfer to his son in Africa, even if he himself is in Yamal. Moreover, when making electronic payments, complete confidentiality is possible. When transferring money, you are not required to indicate your name and generally any data. Security under such conditions increases significantly. And this is very suitable for those who would not like to declassify their identity when conducting financial transactions.

How to withdraw money from an electronic wallet

You can withdraw money from the wallet in the amount of the entire existing amount or in a partial amount, depending on the need. There are several ways.

1. Withdrawal of funds to a card is a method in which funds are transferred to a bank card. To carry out such manipulations, the system asks to link the card by adding it to the account. For confirmation, many systems ask to make a transfer in the amount of one cent or ten rubles. This method of withdrawal is convenient because the operation is carried out almost instantly. Linking a card is very easy by entering the code from the received SMS, however, sometimes it takes several days for the wallet to receive the desired status.
2. Withdrawing money through a bank transfer - here you need to enter all the details of the account, and the recipient's bank itself. This is a rather long procedure, as you have to type a lot of characters and numbers. But at the same time, the system takes the smallest percentage (about 1%) and therefore, this method is the most profitable. However, this is not the most fast way withdrawal of funds, sometimes it takes several days to wait for money to the account.
3. Withdrawal through the terminal - in this case, you must enter a special password, which is requested in advance in your account. The fee in this case will be from 3 to 5%.
4. Cashing out through the office of the payment system - in all major cities there are specialized offices of specific EPS. For example, such as WebMoney or QIWI. Addresses of similar points in your city can be found on the official websites. This method is not suitable for residents of small towns and rural settlements, since such organizations are not available everywhere.

List of e-wallets

Now it is worth considering specific payment systems. Make a short overview of the most famous platforms presented in this service market.

Qiwi electronic wallet

The oldest system of financial settlements exists as an international service since 2007. Today it is considered one of the most reliable and easy to use. It got its name in 2008 and since then has become a brand known all over the world. QIWI Wallet entered into an agreement with VISA in 2012 and became a global financial settlement system. The full name of this EPS is "Visa QIWI Wallet"

This is the most user-friendly system. It connects directly to the phone. At the same time, it is not possible to forget your wallet number, since the login is a mobile phone number. This service is popular and loved all over the world.

Its main advantages are: a convenient mobile application, an easy number that repeats a phone number.

The service provides a wide range of services: the ability to pay for communication services, the Internet, housing and communal services, cable TV, home phone shopping in online stores. There is also the possibility of issuing a VISA QIWI Wallet card, which can be used in the usual way.

An important point for residents of the post-Soviet space was the fact that this service provides the ability to maintain an account in four currencies: Russian ruble, US dollar, euro and tenge of Kazakhstan.

Among other things, this wallet is quite economical, since for most transactions the percentage is very small, on average - from 1.5% to 2%.

To register on the site, just enter your phone number and click "create wallet". The site will send a message with a code to the specified number. The account is activated after dialing the code from SMS. Your phone number will be used to log into your account. Simple and clear system.

Replenishment of the QIWI wallet account is also not difficult. Money can be transferred from a bank card. The wallet can be replenished through the terminal. At the same time, the terminal is possible for this EPS itself, as well as for the terminal of partners. QIWI partners are the majority of domestic banks. You can deposit funds through their terminals.

You can withdraw money in this system in the same ways as you enter it: transfer from a bank card, deposit through a terminal (specialized or partner). It is convenient to do this using online services banks by making a transfer. In addition, you can receive funds in mobile phone stores, such an operation will be carried out by almost any network: Svyaznoy, MTS, Euroset, Megafon.

Money can be transferred to electronic wallets of other systems: (MTS-money, Yandex, WebMoney).

There are many withdrawal methods. A money transfer service (Unistrem, Contact) is also suitable. Finally, you can use your phone account and make a transfer.

As already mentioned. The commission in most cases is not large.

The QIWI service cooperates with many Internet platforms. True, in some cases it takes a long time to wait for money. For example, funds are withdrawn from the Advego website within 15 days. At the same time, withdrawals to other wallets are carried out much faster.

Commission charged for services:

• 1.5% - for a transfer to a bank account or for a transfer to a "Maestro", "Visa", "Mastercard" card, in this case, at least 50 rubles are withdrawn, even if the percentage of the transfer amount is a smaller amount. Limit - no more than fifteen thousand
• When cashing out funds through "Privat Money", "WesternUnion", "Contac", and other money transfer services, a fee of 1.5% to 2% is charged.
• The Russian Post will charge a decent fee for its services: 2.5% and on top + 60 rubles.

Many users come to the conclusion that it is more profitable and more convenient to order a "Visa" card linked to an electronic wallet and use their money in the usual, familiar manner.

This wallet can also be opened in different currencies. You can open two at once: one - in rubles, the other - in dollars. For each wallet, the system will issue an identifier. The first letter is the expression for the currency of the account in Latin. The number of the ruble wallet will begin with the letter "R", and the number of the dollar wallet - with the letter "Z". The letter "E" will open an account in euros, and "U" - in hryvnia. On the Internet, wallet identifiers have three initial letters (WMZ, WMR, WME, WMU). Since there is no tenge account here, it is better to choose QIWI for transactions with Kazakhstan. In Ukraine, this system is blocked for political reasons.

EPS WebMoney has the following designations of monetary units:

• 1 WMZ - 1 dollar
• 1 WME - 1 euro
• 1 WMR - 1 ruble
• 1 WMU - 1 hryvnia

In general, this system is most convenient for working with various currencies. Allows you to make transfers between your accounts, converting the currency at the established rate.

The system itself has a high degree of reliability. Passwords and user data are stored as files. Security is supported by the "E-NUM" system. This attracts those users who need to manage large cash flows in the network.

The wide popularity of this resource is also explained by the ease of registration, the ability to work with a huge number of online services, the ability to use any medium - phone, computer, tablet. It is also attractive that WebMoney issues its own cards.

How to withdraw money from WebMoney?

The following methods are used to withdraw funds:

1. Funds can be withdrawn to any bank card. But it is possible to withdraw funds to a ruble card only from a ruble account. And the funds are always withdrawn to the wallet currency card. The system will take 1% of the transfer amount during such an operation.
2. You can use the already mentioned money transfer platforms (Contact, Leader, Unistream, Zolotaya Korona). Within the limits of the Motherland, this is done only from ruble wallets. The system will take up to 3%.
3. Money, again, can be cashed in special exchangers.
4. Well, the most convenient is the payment card "WebMoney Cards".

How to top up a WebMoney wallet?

Commission rates for the main replenishment actions:

• 2% -2.5% - when replenishing a wallet from a bank card;
• 1% - when replenishing through the terminal;
• 2.2% - upon receipt of a postal order;
• 0% - from a payment card;
• 6% -12% - when transferring from a phone;
• 1% - from an ATM;
• 1%-4% - in WebMoney points;
• 1% -6% - in the bank.

The symbol and logo of this system is an ant, which diligently winks at the viewer. The financial resource has been around for a long time, since 1998. The largest network unites more than 28 million customers. The service is extremely popular in Russia. Specially for us there is technical support providing consultations in Russian. Help will be provided around the clock by phone +74957272007. You can contact the administrator by email: [email protected].

Electronic wallet Yandex Money

This payment system is a product of Yandex. Appeared in 2002 and since then the floor has been operating quite successfully. Willingly used for various financial actions: payment, transfers, exchange. Simple, convenient, understandable, fast.

The interface of the site is loved by many Russians due to its adaptation to local needs.

The site created for the Russian market has one currency - the Russian ruble. All users are in Russia and for intra-Russian needs, it is the most suitable. Payments are made instantly. The system does not withdraw funds for replenishing the account and for working with a variety of resources. For money transfers, the commission is minimal - 0.5%. For the implementation of ruble actions, this particular wallet seems to be the most profitable and convenient. Not to mention that using it looks patriotic.

Those wishing to purchase a wallet in Yandex, first need to register an account in the system itself. Then everything will go extremely simply. When you enter your own account, we find the "open wallet" button, click and enter the requested data, come up with a password and login, print the phone number. Next - SMS comes to the phone. It contains a code that should be specified in the request. Initially, the wallet receives the status "anonymous". It has a limit of up to 15 thousand rubles. All transactions are possible only within this amount. The next, higher status: "nominal". To receive it, you will need to send passport data. The possibilities of this status are much wider. Some online platforms agree to withdraw money only to the Name Wallet.

Entering money into Yandex.Money

You can top up your Yandex.Money account using the following steps:

• Through the terminal;
• Transfer through bank-online;
• Using an ATM;
• Yandex.Money card;
• Universal payment card:
• Transfer from another electronic wallet;
• Use one of the money transfer services.

How to withdraw money from Yandex?

Withdrawing funds from Yandex.Money is no more difficult than from any other wallet:

1. Transfer money to a card of any bank (it may take up to three days and a commission charge of 3% and another + 15 rubles);
2. Get a payment card of the system. Today, almost everywhere there are terminals with the function . The Yandex.Money card is used as a regular payment card. Issued free of charge for three years. Service for that period costs one hundred and forty-five rubles;
3. And again: use the money transfer system;
4. Make a bank transfer, which can take up to three days.

It should be said about the largest payment PayPal. Exists since 1998, Today belongs to eBay companies. This is the main service for shopping in online stores. This huge service uses 25 currencies.

A special feature during registration will be that the system offers "personal" and "corporate" accounts: for individuals, for firms and companies. After choosing, you can register by entering the required data. The login here will be the email address.

All card systems that are widely used, such as Visa, MasterCard, American Express, Discover, are linked to this financial portal.

In conclusion, I would like to say that no matter which wallet is chosen in the end, the electronic money system becomes the main one in the financial market.

Electronic money and payment systems have developed rapidly in recent years, but many people still continue to traditionally use ordinary cash. Mostly those who just have not yet encountered how easy it is to use an online wallet. In this article, we will consider in detail the question of what an electronic wallet is and how to create an electronic wallet.

Wallet types

The market has a huge number of different electronic systems, each web wallet has its own unique features. The integration of services with various payment systems occurs as certain legislative norms are adopted. For example, if at the dawn of the existence of virtual title units, no one could have thought that it would be possible to pay utility bills, telephony or, then today you will not surprise anyone with this.

The main difference between virtual title units and ordinary money is that they cannot be touched, they are abstract units, and the possibility of payment using services is guaranteed by the founding banks or institutions that support the services.

In the CIS, the most popular systems are:

1. webmoney.
2. Yandex money.
3. PayPal
4. QIWI wallet.
5. EasyPay.
6. perfect money.
7. Banking electronic money, for example, Sberbank Online.

Each electronic wallet has strengths and weaknesses, they must be taken into account before giving preference to one or another system. Now let's look at each service individually.

WebMoney

PayPal

QIWI wallet

EasyPay

perfect money

Can only be used by people who have an account or card with this bank. There are also a huge number of similar services from other banks.

What is an electronic wallet: Video

Using Wallets

Now let's look at how to use an online wallet. In each case, the algorithm is different. For example, to make a transfer of funds from one module to another, you must enter a special identifier-number and confirm the operation. The number can be found on the main page of the wallet or in the "Settings" menu. In PayPal, for example, the user's email box acts as an identifier.

Replenishment of wallets

An important question is how to replenish an electronic wallet. The procedure and algorithm for this again depends on the service used, as a rule, replenishment is done using a linked card or bank account.

In the case of a QIWI wallet and some other services, you can transfer money to an electronic wallet through the terminal.

Cash conversion

It is also important to understand how to withdraw money from the wallet. For this, it is most convenient to use exchangers, and a special resource works to monitor the most profitable rates. In the first column, an electronic wallet is selected, in the second, all possible ways exchange. Almost all of the above services are presented in the system (except for PayPal, through which it is better to make a withdrawal directly to the linked bank account)

It is often possible to cash out money from an electronic wallet directly - through a bank card or account, or by transferring it into the currency of another payment system and then converting it into cash.

Withdrawing money from an electronic wallet is easiest and fastest with the help of exchange offices.
You can also put money into an electronic wallet through the above service. Only in the first column, the source of funds is selected, and in the second, the services where this money can be deposited will be highlighted.

How to use an internet wallet: Video