Due to the fact that for some time now, when registering in the WM system, WM Keeper Mini becomes the default method of managing WMID, many users confuse the concepts of 'Creating WMID' and 'Creating a wallet'. Let's clarify this issue ...
Only after registering in the system, users immediately receive a WebMoney identifier (WMID), which will serve to identify a specific user in the system, but users still cannot carry out transactions in the WM system, since they do not yet have their own wallets for these purposes. So, after registering in the system, you immediately create yourself only a WMID, and you have yet to create the purses you need for operations in the WM system, because without them it is impossible to carry out transactions.
The system supports several types of title units stored on the corresponding electronic WebMoney wallets:
WMZ- the equivalent of US dollars (wallet type Z),
WMR- the equivalent of Russian rubles (purse type R),
WMU- equivalent Ukrainian hryvnia(U-type wallet),
WME- Euro equivalent (type E purse),
WMB- equivalent of Belarusian rubles (type B wallet),
WMG- gold equivalent (type G wallet),
WMC and WMD- WMZ equivalent for credit transactions on C- and D-purses (users with a passport from initial and higher can create).
In 2013, a new type of title units was introduced in the WebMoney system and, accordingly, a new type of electronic wallet:
Wmx- the equivalent of 0.001 Bitcoin (type X wallet).
You can create any WebMoney wallets for your needs, just advice right away - do not create unnecessary ones, you can no longer delete them!
In the Keeper Mini, wallets are created as follows - on the main tab in the Keeper, click the ‘Wallets’ tab:
A page with your wallets opens, there you click the ADD MORE link:
Your attention will be presented to the page for creating a wallet, on which you should select the required equivalent, for example, WMR - Russian rubles, study the agreement for using your wallet, be sure to agree with it if you have not changed your mind about using the WebMoney system by checking the appropriate box and clicking the CREATE button:
After successful completion of this operation, you will have a WMR-type wallet, which will immediately be displayed in the Keeper's Mini WALLETS tab. In the same way, you need to do it again with other wallets in order to create yourself the equivalents of WMZ, WMU, WME or any others that you think you will need for operations in the system. Only one wallet can be created in the MINI keeper different types! If you need more wallets of the same type, then you need to connect another method of managing wallets, for example, the Classic keeper.
For WM Keeper Classic, the process is similar, only it looks different:
go to the keeper on the tab WALLETS, there you click in the field with the right mouse button and select CREATE in the menu that appears, a window opens and in it you choose which one WM wallet you want to create, and also enter a name for the future wallet, which can later be changed:
Or, immediately under the tabs, click the CREATE button and you will see the same window for creating a wallet:
You can also create several WebMoney purses of the same type, for example, a WMZ purse, but for different purposes. The main thing is that you yourself do not get confused in them. To do this, any WebMoney wallet can be renamed for your convenience. WMZ wallet is the most popular in the system, so you just need to create it - almost all services and shops work through a WMZ wallet, as one of the options.
Operations with WebMoney wallets.
To replenish WebMoney purses with title units such as WMR and WMU through terminals, which are now huge for your convenience, you need to authorize these purses on the site. We immediately note that WMR wallets, created after May 2009, you do not need to authorize, this already happens automatically when creating a wallet, and WMZ purse cannot be replenished through terminals!
Also, immediately study the requirements and limits of the Guarantors for certificates and keepers of various types, so that later there will be no unpleasant situations when working with the system!
There are 3 ways to send money from your keeper:
1. Direct payment from wallet to wallet, for example, from your wallet to our… oh sorry - another wallet. To do this, you need to first find out the number of another wallet. Next, right-click on the desired wallet in the keeper, select the ‘Transfer WM’ item in the menu that opens, select ‘To WebMoney wallet’ and fill in the window that appears ...
It is worth noting that for the safety of your transfers, there is a safety option in the system - transfer with a trade protection code.
The protection code in the WebMoney system is used quite often, so I will inform you that there are even 2 types of transfers with a protection code - by time and by code.
At the first translations, if you are afraid of something, I advise you not to be lazy and use this option.
Also, for the safety of transactions in the WM system, there is the Escrow service, which acts as a trusted party between sellers and buyers and is integrated directly into the keeper, so you can insure any transfer of funds through pledges:
2. The second method is implemented as a function in electronic stores - (interfaces for automated receipt of funds). You choose a product or service on some website in an electronic store and click PAY, then one by one you perform the actions that are offered to you on the monitor screen, but not stupidly pressing all the offered buttons in a row, but after reading and understanding what you are doing ... Of course, the keeper must first be activated.
In the process, you can also check some data, for example, his certificate or reviews about the Seller on his page in the Arbitration, so that you do not receive it so that you paid for the service, and then looked in the reviews that 50 WM users have already written claims that the service is of poor quality or not at all.
3. The third way is to pay a bill sent to you from someone. You can immediately click the PAY button and the money will be transferred after entering the captcha, or you can postpone this invoice and pay later, if you see fit.
Here you need to be especially careful, because some scammers or beggars can send invoices from their keeper to anyone, for this they only need to know the correspondent's WMID, so I advise you to carefully study the invoices that come to you before clicking the payment button!
Transactions in the WebMoney system are carried out between wallets of the same type, i.e. you cannot send title units, for example, WMZ to a WMU-type wallet, but you can only, for example, WMR => WMR or WME => WME. To convert WM title units into the currency you need, there are various exchange services, for example, one of the reliable and well-proven ones -
About nonsense when dealing with money.
The Internet is simply full of crooks and scammers of various breeds, I think that many are well aware of this and I did not say anything new. But each of us used to be honest here, at least once, fell for various tricks of swindlers, maybe in personal correspondence, and maybe on the websites of scammers (newcomers can do a lot of stupid things out of inexperience), as a result of which, he simply parted with money , acquired by hard work.
Therefore, you should NEVER pay to ‘magic wallets’, someone you don’t know, or someone from whom you CANNOT get an invoice for payment. Also, you shouldn't pay for WebMoney passports for Yandex.Money in order to work as an ‘WebMoney operator’, and you should NOT make money fortunes in a day in ‘profitable exchangers’ of electronic currencies, even using exchange rate monitoring services. All this, to put it mildly, from the evil one. Remember that crooks, in the desire for easy money, sometimes work wonders and their invention is limitless, therefore, before making any transfer of your money in a keeper (especially an imposed transfer), first analyze the situation, or, as they say, ask the 'elders comrades'.
If, nevertheless, you still have unanswered questions, then feel free to ask them by clicking on the link in the left panel of the site. Any question will be answered by experienced users, many of whom are registered consultants of the system.
Hello everyone, my dear friends. Many are tormented by the question of which e-wallet is better to choose for withdrawing money and receiving it. Today, thank God, there are no problems with web wallets, and everyone can get their own, and for free. Personally, I have several of them, for all occasions. So I would like to do small reviews and maybe something to recommend. But the choice will always be yours alone.
Webmoney
Probably, this is one of the most popular and reliable Internet wallets, which has proven itself for a very long time. True, not everyone likes him for some reason. But personally, I like it. It has the ability to store and receive money in various currencies, be it rubles, dollars, euros, hryvnia and others.
It is not difficult to register in the system, Only initially you will be given a pseudonym certificate, because of which you will not be able to withdraw money, but only make internal transfers from one webmoney wallet to another. To obtain a formal certificate and the possibility of withdrawal Money fill in all personal data, attaching a scan of your passport.
If you want to transfer funds to another webmoney user, an additional 0.8% will be charged from you. And in fact, this is one of the most expensive fees in our review today.
When withdrawing funds to a bank card, a commission of 2.5% is charged, as well as a fixed 40 rubles. That is, if I want to withdraw 10,000 rubles, then I will have to pay an additional 290 rubles. But in general, I am satisfied with the system. All transfers take place instantly and you don't have to wait for anything. Some partnership programs they send me a reward exactly on the web money. Yes, and we must not forget that for each withdrawal to a bank card, you will additionally be ripped off by 1.5 rubles for confirmation by SMS.
But you can save on this if you install the mobile application. Then you can confirm transactions free of charge through the E-NUM system.
In addition, you can install a separate Webmoney Keeper program on your computer and use it directly from your computer. A special secret key will be used to protect the keeper.
Yandex money
The Yandex wallet has also become famous in our country for a long time and is in great demand, despite the fact that it only works with Russian rubles. Money from this wallet can be used to pay on almost any website that accepts these electronic means... Registration is nowhere easier. As soon as you create a mail on Yandex, it automatically becomes an account for all Yandex services.
With regular registration, you will receive an anonymous identifier. With it, you can only make internal transfers, and you can pay for purchases no more than 15,000 at a time. But if you keep your passport data, you will receive a personal identifier, thanks to which you can pay for more expensive purchases and withdraw funds to bank cards. Personally, I didn’t bother and went to the Euroset salon, where I was immediately given an identified status. That is, I can use all the features of the wallet to the maximum. Doesn't this catavasia with statuses remind you of anything? Yes, it is WebMoney certificates. Someone likes to plagiarize, but we will not blame them.
Internal transfers are taxed here at a rate of 0.5% of the amount. But if you want to withdraw funds to a bank card, you will have to pay a commission of 3% and 45 rubles in fixed form. That is, if you withdraw 10,000 rubles, then 10,345 rubles will be removed from you. Of course, you can save a little. If you are Yandex money, then you will be charged a commission of 3% and 15 rubles for withdrawing cash from an ATM. 30 rubles savings.
To be honest, when asked which electronic wallet is better to choose, I will answer that it is Yandex money. As for me, it is the most convenient and the most comfortable for me to use. But this is my personal opinion. As I said earlier, the final choice is yours. Therefore, most of my affiliate programs are tied to it.
Naturally, on Playmarket you can find a mobile application for Android, thanks to which Yandex money will become convenient to use from anywhere.
Qiwi
A fairly ancient electronic shovel. For some reason, many people think that it was named after the kiwi fruit and is sometimes even called the fruit wallet. I hasten to disappoint everyone who thinks so. The system is named after the flightless bird, which is even featured in the logo. Anyway. This is not the point.
The wallet is linked to your mobile phone. The undoubted advantage of the system is that in order to withdraw money to the card, you do not need to receive different passports and identifiers. After registration, this opportunity appears automatically. Moreover, unlike other systems, you can withdraw up to 500 thousand rubles. When transferring to a bank card, you will be charged a commission of 2% and 50 rubles. That is, when withdrawing 10,000 wooden ones, you will have to pay 10,250 rubles, which is the smallest commission on our list so far. Isn't this a reason to start an electronic Qiwi wallet?
Due to the fact that there is no need to confirm and send anything, this system has found immense popularity. Most of the administrators of the telegram channels from whom I ordered advertising were asked to transfer money to Qiwi. Money comes to the card instantly.
Also, as in the above systems, there is the possibility of issuing a card, as well as translation installation mobile application for Android or IOS.
PayPal
In fact, PayPal is the most popular payment system in the world, but it causes a whole bunch of inconveniences for Russian users. For a long time, it was impossible to withdraw money from it to your bank card, but you could tie it so that when paying for purchases in the system, it was debited from the card.
Of course, there is a definite plus, namely the security of payments. If you paid through PayPal, and the goods were delivered of inadequate quality, then it will not be difficult for you to get your money back.
Among other things, some Yandex services cooperate with PayPal. For example, money earned in or Toloka can be withdrawn not only to Yandex wallet, but also to Pay Pal.
Despite all its advantages, I don't use it at all. Only a couple of times I bought some plugins and cryptocurrency on foreign sites using this service.
Payeer
Quite a good wallet, especially for those who work in anonymous mode. Therefore, it was he who was so fond of HYIP projects that hide their identities. But naturally, it was created not only for HYIPs. In fact, the system is a universal tool, as it allows you to transfer money to any payment system with an acceptable commission.
In general, all registered ones connect it, since not only does the system work quickly and reliably, but also the withdrawal of money from various sites for making money takes place on favorable terms... For example, in Cashbury(more), if you withdraw money through Payeer, the withdrawal commission will be 0%. This is the most profitable system withdrawal (although transfers to the card are not at all profitable, but more on that below). Therefore, if you are engaged in investments, then I recommend you register to myself such a wallet.
Even the scam game Rich Birds gives bonuses to those who poured their hard-earned money through Payeer. More about the scam financial game you can read.
For withdrawing funds to well-known wallets and payment systems, a 2.9% commission is charged, which, in principle, is about the same compared to other systems. But for an internal transfer, a fairly high commission of 0.95% is taken. But withdrawal to bank cards is very expensive here.
In other cases, I don't need it. Therefore, if you are not engaged in making money on the Internet, then most likely you will not be interested in it. For example, to withdraw funds to VISA card, you will need to pay a commission of 3.9% of the transfer amount, as well as 45 rubles as a fixed fee. This means that if you want to withdraw 10,000 rubles, you will have to pay as much as 10,435 rubles. Already somehow quite significant.
Perfect money
At one time, this system was an excellent competitor to the payment service "Liberty Reserve", until it was closed. This wallet is also actively used by people involved in HYIP or investment projects. HYIPs also love him for their anonymity, as no proof of identity is needed at all.
The most important thing is that the headquarters of the payment system is located in Panama and it obeys only the laws of this country. Therefore, scammers are not afraid to use this payment system.
But the most interesting thing is that interest will be automatically accrued on the funds in your account, namely 4% per annum. Although this is not enough, but this is practically not found on wallets.
But their interface is wildly lame. It feels like the design is from the early 2000s. Therefore, it is already somehow even unusual to look at this.
OKPay
Another system that has some popularity in narrow circles associated with earning on HYIPs, gambling and investment. A rather small commission is charged for payment transactions. It is also possible to release debit card, with which you can pay in stores.
Also, as in Perfect Money, there is an opportunity to accumulate interest on the amount that is in your account. True, unlike the above wallet, it will be charged 3, not 4 percent per annum.
AdvCash
Abroad, the AdvCash payment system is very popular, but here it is much less common. An unconditional advantage is that internal transfers take place without commission, unlike the same Yandex money, where you will be charged 0.5% for a transfer.
With AdvaCash, you can transfer money to any electronic money depository, including cryptocurrency. Also, here you can connect various types of currencies, such as rubles, tenge, hryvnia, etc. Also, an undoubted advantage is the Russian-language interface, as well as the ability to contact technical support in Russian.
conclusions
Of course, these are not all electronic shovels. There are a great many of them. But they are all secondary, or they are responsible for the cryptocurrency, and this is a separate topic.
Naturally, you decide which wallet is better to choose for receiving and withdrawing money, but I still recommend that you first create the first two and confirm your data so that you can withdraw to a bank card. And take the rest in addition, since despite their advantages, they have quite a few disadvantages. Also look at the table below (click on it to enlarge) and compare the capabilities of these wallets. I think you will be able to draw the right conclusions. 
From this table, we can see that only QIWI and AdvCash carry out internal transfers without commission. At the same time, the most profitable transfer to the card is in Perfect money and it is only 2% without additional fixed commission.
Well, this is where I end my article today. Hope you like it. Necessarily subscribe to my blog, so as not to miss the release of a new article. I look forward to seeing you again. Good luck to you. Bye Bye!
Best regards, Dmitry Kostin.
Online wallet Is a system that allows you to store funds in electronic form and carry out any payment transactions using such a wallet.
In general, the concept of an electronic wallet is just starting to gain popularity.
Types of e-wallets
Nowadays, there are quite a few such electronic wallets, all of them are in great demand.
WebMoney
This e-wallet was created in the late 90s. The ant is the symbol of this system. With it, you can make both payment transactions and transfers to settlement accounts, or bank cards.
When transferring money to bank cards or a current account, a commission is charged, which will depend on the amount you transfer.
In order for the WebMoney wallet to be constantly with you, special applications have been created, both for a mobile device and a computer. There is an option not to install applications, but simply go to the site and enter your username and password.
In order to start working through webmoney, you need to get a passport. To do this, you need to upload scans of your passport and enter your personal data. Operations can be confirmed both via SMS and captchas, or by question-and-answer method.
WebMoney is currently the leader in popularity in Russia. In general, this system is registered in London, but the certification center is located in Russia. But in Germany, this system is banned.
Yandex money
Yandex Money appeared in the early 2000s. With the help of the web interface, this system became possible to work in 2005. Its downside is the fact that it does not work with foreign currency, only rubles. However, these rubles can be transferred anywhere in the world. A plus is the fact that the commission for many transactions is not charged at all.
To withdraw money from such a wallet, you can link it to your bank card or make a separate Yandex Money card. It is free to manufacture. When using this system for the first time, you must also identify yourself.
We can say that this wallet is adapted specifically to work in Russian Federation so not everyone uses it.
At the moment, the main shareholder of this system is Sberbank of Russia.
Visa
Such a wallet can be easily replenished through terminals, of which there are a sufficient number in any city. This service is popular in Russia, primarily due to the very simple registration, the popularity of the brand of this wallet, the absence of commissions for internal transfers and the ability to receive a card linked to an electronic wallet.
But there is a huge disadvantage of this system - a commission is charged on payments for mobile services. Another disadvantage is the low security of such a wallet.
Qiwi
The advantages of this system is a rather simplified registration: just indicate your mobile phone, after which you will receive a verification password. You can replenish the balance of such a wallet without a commission, and all payments and transfers are carried out very quickly.
As in the Yandex Money system, you can order plastic card and pay her when making purchases, or simply withdraw money from ATMs. The validity period of such a card is one year.
You can link this wallet with the webmoney system and transfer funds from one wallet to another.
In this case, you should remember about the commission that is charged when using the webmoney system.
PayPal
PayPal is the largest payment system worldwide and the most widely used. It was created in the late 90s. In Russia, it is not as popular as in other countries of the world. Such a system must be tied to your bank card. To do this, you provide the details of your account, within a few days you will receive 2 transfers in the region of 10 kopecks. After that, you will finally link your bank account with PayPal.
If you are actively shopping abroad, you definitely cannot do without this payment system. Until recently, Russians did not have the opportunity to use this system, but then they first made it possible to pay for purchases, and then replenish and withdraw funds from this card.
The withdrawal limit in Russia is $ 500. The creation of an account is free, and the commission is charged not from the sender, but from the recipient of the funds, which is very in a convenient way when paying for purchases via the Internet.
Liqpay.com
Liqpay.com has been operating since 2008. It is most popular in Ukraine. The account number in this system will be your mobile phone number. Operations are confirmed via SMS messages.
You can work with any currency in Liqpay. With it, you can make a variety of payment transactions. You can withdraw funds from your account to a card or in cash through ATMs.
Rapida online
This system is not popular. Most often it is used by corporate clients. It works on the basis of Google.
Perfekt Money
Most often it is used for any investment projects, either in financial pyramids... Payments can be made in foreign currency and gold equivalent.
Okpay
This system is positioned as a global one. Payments are made with different currencies. It is possible to get a card. The plus is the fact that if you attract other people to it, much more opportunities open up for you.
Payeer
The system is very easy to use, it makes it easy to transfer funds from one wallet to another.
RBK Money
RBK Money - appeared in Ukraine in the early 2000s.
Liberty reserve
This wallet belongs to Costa Rica. For registration, you can enter false information about yourself, which is very often used by scammers. Money can be transferred anywhere in the world. The system is very well protected. Works with two currencies: euro and dollar.
E-gold
This system works with metals like gold, silver, platinum, etc. The main advantage is that it does not depend on the exchange rates of different countries. But so far there are a number of problems in the use of E-gold that are in the process of being finalized.
Single e-wallet
This wallet allows you to pay for services online. You can use such a wallet both from a mobile device and through a personal computer or tablet. To register, it is enough to indicate your phone number, to which you will receive an SMS with your wallet number and password to it. Many payments through this system are carried out without charging a commission. You can withdraw money from your account through any post office.
Beeline e-wallet
The electronic wallet was created for making micropayments, no transaction fee is charged, the system works in conjunction with Alfa-Bank. It is possible to transfer funds to a bank card or to a Webmoney wallet.
Electronic wallets common in the Republic of Belarus
It should be said right away that the Republic of Belarus refused to accept the electronic version of funds for a long time. They came into use only at the beginning of 2013.
We can say that at present about ten electronic systems operate in Belarus.
- Of course, in the first place, as in the whole world, is the payment system Webmoney.
- The next system can be called Belqi... This system is very young and operates on the basis of the well-known QIWI system. All operations are carried out in the same way.
- Wallet one... This is the youngest system operating in the Republic of Belarus. You can connect either through a mobile phone or a PC. The balance is replenished both through terminals and through InterPayBank. The commission for payments through this system is either minimal or not charged at all. You can also withdraw money from your account through a bank or transfer it to a card.
- EasyPay... Before using it, you also need to go through the registration procedure. Payment commission is charged at 2%.
- iPay... A very easy to use payment system, however, the commission can be charged from 0% to 4%, depending on the purpose of the payment.
- Berlio... Designed to make payments for fuel both in the Republic of Belarus and around the world.
- There are also systems such as Prepaid cards... They are used as standard cards, but they are still classified as electronic wallets.
Electronic wallets in Ukraine
- As elsewhere, the most popular is the payment system Webmoney.
- Yandex money are also used quite actively, despite the fact that this system is focused on Russian ruble... This system is used when paying for goods purchased in ruble terms. The commission is charged at the rate of 0.5%.
- RBK Money... You can replenish the balance of such a wallet in a variety of ways, but ATMs are available only in Russia. The commission is charged from 0.3% to 0.5%.
- Ukr money... This purely Ukrainian system was created quite recently. She actively cooperates with PrivatBank, which allows users of such a system to carry out all settlements through this bank... You can use your account from a PC. Accounts are opened for you in rubles, hryvnias, dollars and euros.
- Internet. Money... Through this system, you can make any purchases and pay for them. To use it, it is enough to install the application or go through the official website from any PC. The commission can be up to 0.5%, or not charged at all.
- E-gold... As already mentioned, it is used all over the world. It is good because it maintains complete confidentiality to the payer, which is why it is very popular among scammers. At the expense itself, you will need to pay 1% every year.
- Also in Ukraine, the system is popular PayPal, which we have already discussed above.
Electronic wallets in Kazakhstan
- The most used e-wallet in Kazakhstan is QIWI... He appeared in this territory in 2011. It earned its popularity due to simplified registration, the ability to replenish the balance from numerous ATMs, payments from this system are accepted by almost any online store and, of course, a reduced commission.
- Webmoney... In Kazakhstan, it is considered one of the safest systems.
- Yandex. Money... As we said above, it is guided by the Russian currency, so it is often used for payments in rubles.
- And, of course, PayPal It is also actively used in Kazakhstan, especially when making payments in America's online stores.
It is worth noting that there are still a huge number of various electronic wallets. For example, in Moscow, the Troika system is popular, with which you can pay for travel on public transport... It was launched in 2013.
In the Moscow region, such a system is called Strelka, and in St. Petersburg - plantain. The same cards are available in many cities of Russia with a developed transport system. Such cards allow you to reduce to a minimum the queues for paying for transport, and allows you to create unified system payment for transport services. Such a card can be obtained directly at the box office or kiosks. You can also replenish such a card through cash desks.
The funds are kept in the account for five years after the last use of the card. You can put no more than 3000 rubles on such a card.
In conclusion, I would like to say that before starting an electronic wallet, choose the currency with which you plan to make payments and only after that choose convenient wallet, it is important not to forget about the safety of such payments.
I have already repeatedly said how important it is for a remote employee to have an electronic wallet (and what else is needed to start working on the Internet, you can read). I myself have three wallets and today I will share with you information about which e-wallet is better, and what features each has.
Consider:
Which e-wallet is better: major e-payment systems
Webmoney
This was the first wallet I started on the Internet. There were reasons for that - only with a Webmoney wallet, you can work at one very popular freelance exchange. So then I didn't even choose what to start. 🙂
What is good. Webmoney has the ability to link several wallets in different currencies. Of course, the most popular are ruble and dollar (relevant for those who work with foreign customers).
You can receive transfers from other users of this system to your Webmoney account, top up your account using bank card(with a commission) or bank terminals, and also exchange currency (transfer money from your currency wallets to ruble ones).
You can withdraw money from your account using a transfer (Russian Post, Zolotaya Korona, etc.) and to a card of any bank. But the most convenient way is to link your wallet to the bank card that you use most often.
You can pay for various services without commission: mobile communication, utilities, internet, fines, etc. There is also interesting opportunity- take out a loan.
Than not to like. Long and complicated registration procedure. To make the most of the opportunities, you need to get a certificate (pass identification). To do this, you will have to contact the bank and make a transfer (100 rubles is enough) to your wallet account.
A commission is charged for transfers within the system. In addition, when you pay for purchases on other sites through the Webmoney wallet, you need to enter a verification code that comes to your phone number for 1.5 rubles.
And also not a very user-friendly interface.
Yandex money
The most popular electronic wallet among Russian users is Yandex.Money.
Registration is not very difficult, but as in Webmoney, I recommend confirming your identity (for this you need to provide passport data - passport scan).
The system is clear and easy to use.
You can replenish your account from other wallets (not only Yandex.Money), from a bank card, from a mobile balance, in cash (in Euroset, by bank transfer, in Sberbank terminals).
Top up account no commission you can only in cash or from a bank card. For other transfers, a commission is charged.
Most of the payments I receive on Yandex.Money, so I issued a card to pay from my account not only on the Internet, but also offline in stores. The cost of the card is 300 rubles, it is issued for 4 years.
The system works only with rubles.
QIWI Wallet
Getting a QIWI Wallet is as easy as shelling pears! The wallet is tied to a phone number, which means that this is your wallet number. Very convenient and easy to remember!
Replenishing QIWI Wallet is also convenient - QIWI payment terminals are installed in almost every supermarket throughout the country.
Likewise, you can pay for any services without a commission. Just like in Yadnex.Money, the issue of a card is provided. The card is issued for 2 years and will be sent to you by mail. The cost of the card is 150 rubles.
It should also be noted that all 3 payment systems have applications for a mobile phone. Webmoney and QIWI applications are available for all popular operating systems, Yandex.Money - only for iOS and Android.
In general, I see no need to highlight best online wallet... Each of them has its pros and cons, which you will only notice when working directly with them.
But you can not rush to issue cards until you are sure which wallet will receive the most
What wallets do you have? And which one do you use most often?)
Best regards, Kazakova Ekaterina
Hello dear readers!
In this article, we will look at the most popular e-wallets and evaluate their advantages and disadvantages. And, in the end, we will try to determine which wallet is better to choose.
Digital technologies. Thanks to them, our life becomes more and more convenient and comfortable. Things that were previously unthinkable turn out to be more and more real every day. This is especially true for communication and communication.
Do you know how people used to communicate? They wrote a letter and sent a messenger to the addressee. This process took place especially “quickly” during international correspondence.
Financial technologies have achieved the same instant transmission speed today. Now we can do remittance in just a couple of clicks. And, the funds will reach the recipient. Instantly!
Why do you need an electronic wallet
To save time. Almost any payments / transfers today can be made from a mobile device. Or from a computer. After all, it is much more convenient than going to the bank the old fashioned way. Wait in line.
It is even more convenient to work through electronic payment systems... There are a number of reasons for this.
- you can create an electronic wallet very quickly and easily... In most cases, it is much easier than opening a bank account. In addition, everything is done online and there is no need to visit the office.
- commission payment systems below banking... After all, banks need to feed a huge staff of employees. Maintain offices. Bear administrative expenses. Pay premiums. And for electronic payment systems, these costs are scanty.
- most electronic payment systems do not depend on political factors... Even the counterparties of the warring countries can freely settle accounts among themselves, regardless of the mutual restrictions of their countries. There is Internet, which means there is full access to calculations.
- Another advantage of e-wallets is versatility... Today, there are a lot of services where you can pay with e-currency, but not with banking. In particular, this applies to and.
Most e-wallets are just as convenient as bank accounts. That is, we can create a wallet, order a plastic card and pay with it in stores. Exactly the same as usual bank card... The card will use the funds on the e-wallet.
Good. But there are several electronic payment ones. They all have their own characteristics, their own tariffs. So which wallet is more profitable?
Comparison of e-wallets
There are really a lot of wallets. However, not all of them are common.
We simply cannot pay off with exotic or unpopular electronic money. Accordingly, let's look at exactly those systems that are the most popular and widespread.
First of all, I will list the electronic wallets themselves and give a brief description of them. And then let's move on to the comparison.
This is a Russian payment system. It is widely used in RuNet, it is convenient and profitable to use. Ideal for those who make money on the Internet.
This wallet is multi-currency. We . Including the most common currencies and currencies of Russia's neighbors.
That is, we can get a Y.Money card and pay for it in stores around the world. We can go, for example, to the most beautiful Ukrainian city of Lviv. And, calmly pay in local stores in hryvnia. Or, go to Turkey in the summer. Almost all shops there accept dollars or euros. The calculations are available through Yandex.Money.
And, by the way, you don't even have to take your card with you on your trip. Yandex.Money works with Apple Pay, Samsung Pay and Android Pay. This means that you can link the card to your phone and pay with your phone. As if you were paying by card. Leaning it against the terminal in stores. This function is supported by about half of the phones. Even in the budget segment.
Another plus of Yandex is the absence of commissions for transfers within the system. But only if you make a transfer via a mobile application.
A fairly young, but very convenient system. Allows you to work with dollars, euros and rubles. The main advantage of AdvCash is the absence of commission for internal transfers.
The main disadvantage is that it is not always possible to issue a plastic card for this system.
It is the first and most widely used cryptocurrency. It is used everywhere, and even grows in price. Plus, the system is very transparent and secure. True, sometimes due to its peculiarities, bitcoin payments are delayed. Each transaction requires several independent confirmations. Confirmations may not come immediately. And, this is the main disadvantage of bitcoins.
Convenient wallet that allows you to work in dollars, rubles and euros. The system is popular and widespread. Tariffs are slightly higher than those of competitors. On the other hand, the system is very versatile and secure.
Second echelon
The system is used in the largest online auctions such as eBay. The system is very convenient when making online purchases. It is also ideal for eBay sellers. But, for other situations, PayPal is categorically not suitable. Outside of online auctions, it is absolutely not widespread, not popular. In addition, it is very expensive in terms of exchange / withdrawal of funds. So, I propose not to consider it further.
One of the most popular payment systems in the world. Funds can be stored in dollars, euros and bitcoins. PM combines high speed of payments, good security and low tariffs. This system is considered to be the most confidential. No state. the organs do not control it. Can't track payments.
This is a system that is only used in gambling. And nowhere else. Therefore, I suggest not even considering it further.
Payment system that was once popular in Russia. Now, in my opinion, it is in decline. In principle, the system is not bad. Works with rubles and dollars. Internal transfers are commission-free.
Please note that the creation and maintenance of a wallet is free for all systems.
Features and rates of e-wallets
Drawing conclusions about wallets
Internal transfers are cheapest in AdvCash and QIWI and Yandex.Money. Perfect Money and Payeer have low fees either. It is also beneficial to use bitcoins. But not for small amounts.
All systems allow you to issue a payment card. In my opinion, Yandex.Money and QIWI have the best conditions. Their obvious plus is low price and the ruble denomination of the card. In addition, both systems offer us modern premium cards. With the possibility of contactless payments and the security system 3D Secure.
Cards from other systems are expensive, denominated in dollars, and inconvenient by themselves. They cannot be used to pay off contactlessly. And online shopping will be difficult in some cases.
If we still talk about a dollar card, then the Payeer card is the cheapest and most convenient. Both virtual and conventional.
Cash out dollars is about the same everywhere. Both in terms of the course and in terms of commissions. But rubles, it is definitely more profitable to withdraw through Yandex.Money and QIWI. First of all, due to the fact that there is no need to convert funds.
Also, you can withdraw money from any electronic wallet using. To do this, we simply change money from an electronic wallet to money on your bank card and withdraw it from an ATM. Please note that changing WebMoney is long and time consuming. The rest of the systems are exchanged. Moreover, in many cases, the exchange occurs instantly.
Disadvantages of wallets
The most secure systems are Perfect Money, Advanced Cash, Bitcoin (where you can track and check every operation) and WebMoney. But in WebMoney, security is implemented extremely inconveniently. In general, the safety of other systems is also high.
Yandex.Money + AdvCash - my favorite combination of payment systems Since I started talking badly about WebMoney, here's another stone in their garden. Almost all systems under consideration, except WebMoney, are completely confidential. That is, the same tax service does not see them and will not check them. And in WebMoney it's easy. At the same time, I recommend that everyone be self-conscious and pay taxes honestly.
If you use Yandex.Money, you will also be under the hood. Oddly enough, this system, for the most part, does not belong to Yandex, but to Sberbank. That is, the largest state bank Russia. Naturally, the tax authorities simply fire up all transactions in Yandex.Money. If you want privacy, use a different wallet. If you have nothing to hide - feel free to choose Ya.Dengi. It's a cool and easy to use system.
Which e-wallet is better?
Ultimately, each of the e-wallets has its own advantages. Therefore, I recommend opening two or three wallets at the same time.
So which e-wallet should you choose? In my opinion, it is optimal to create a Yandex.Money and Adv Cash (or Payeer) wallet. When paired, they achieve most goals. At the same time, both are economical and easy to maintain.
Which e-wallets are closer to you?
I would be grateful for your opinion, questions and comments on which e-wallet is better to choose.
I wish you all a profitable investment!
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