Yandex.Money payment system is the largest and oldest electronic payment service in Russia. Founded in 2002, 5 years before the development of a similar service under the name QIWI.
Available operations
Yandex.Money (YAD) is a payment gateway through which users perform online transactions. You can work in the system without registration, but the number of available tools will decrease.
The basis of the whole system is online wallet... Users receive it only after registration. A wallet is an account that holds the owner's money. From the account such operations:
- Money transfers- incoming and outgoing;
- repayment of fines and payment of loan obligations;
- payment of taxes;
- shopping - in most online stores;
- settlements with counterparties - individuals, individual entrepreneurs, organizations;
- payment for services - Internet, telephony, television, utility bills, games, and much more.
The Yandex.Money electronic system allows its members to make instant transactions with each other, the default currency of which is the Russian ruble.
Transfers between two wallets are instant, even if their owners are in different countries... The received money can be withdrawn to the card or in any other acceptable way. It is convenient to transfer funds to the YAD wallet for a one-time payment.
Registration in Yandex.Money
To register in the Yandex Money system:
- On home page click on the "Create wallet" button.
- Enter the data in the registration fields (login, password, e-mail and phone number).
- Enter a valid phone number, one-time codes will be sent to it to confirm operations.
- After you will receive a letter by mail, follow the link in it to confirm the registration of the wallet.
If you have already been registered with Yandex services before, you can enter the old data without creating new ones.
Bank cards Yandex.Money
The service allows working with bank cards for all identification levels. Without a wallet in the system, without going through any registration, any bank card holder can make transactions through the YAD.
Also, YAD is an issuer of several types debit cards: with classic physical media and virtual ones. The cards are strictly debit, the system does not have the right to work in the direction of lending to the population.
For convenience, such a card can be linked to an electronic wallet so that they have one balance. After the funds are received on the wallet, there will be no need to withdraw them to the card and vice versa, when the card is replenished, the electronic wallet will also be automatically replenished.
Additional features on Yandex.Money
It is allowed to request an electronic receipt. Paying for goods and making other transactions are not all the features of the service. Yandex.Money system includes such tools:
- setting up auto payments - if there are funds on the account, the system independently (without the participation of the wallet owner) will make all the necessary payments and transfers;
- service for collecting money - service “I will collect”;
- charity - you can donate as much as you can, as well as organize your own fundraising;
- making incoming and outgoing transactions with the participation of such systems as Webmoney, PayPal, QIWI, and others;
- registration of quick microloans;
- YAMMI tools - for effective investment.
Partner stores provide targeted discounts and promotions. Cashback is credited to the account of the wallet from which the operation is performed. Refunds are provided for all types of wallets, with the exception of anonymous wallets that have not passed passport verification.
Commission in the Yandex.Money system
Any electronic payment system functions thanks to a commission that is charged from users for transactions. In the YD, a commission is also paid, which depends on the type of operation and the status of user identification. Amount of payment for operations:
- replenishment from the card - 1%.
- at ATMs of partner banks - no commission.
- repayment of loan obligations - 3% + 15 rubles.
- payment of taxes / fines - 2% + 30 rubles.
- transfer to the YAD wallet - 0.5%.
- transfer to wallets of third-party payment systems - 3%.
- payment mobile communications- no commission.
The service works technical support, which as quickly as possible resolves any disagreements and questions that arise in the process of using the wallet. User funds are protected by a fairly reliable security system: if you wish, you can connect SMS confirmation to be sure that no operation will be performed without its prior approval.
The Russian company Yandex is known to everyone, first of all, for its search engine, which in Russia confidently competes with such a giant as Google. Nevertheless, Yandex does not stand still and every year, and possibly more often, various platforms are created under this name - from the young Yandex.Toloka platform, which allows, one way or another, to make money on the Internet, to the Yandex.Music service, where you can search and listen to audio recordings of interest to you for free. Yandex at the moment is a fairly branched system, which includes numerous services, and one of them is payment system Yandex money, which we will talk about today.
The Yandex.Money payment system appeared in 2002 based on the technology PayCash, the basis of which is the storage and transmission of information over open networks. Yandex.Money conducts transactions with electronic money, while all wallets are provided with real bank accounts... The system operates only on the territory Russian Federation and operates exclusively Russian rubles... It can be both an advantage - a narrowly targeted system that does not require conversions; and a disadvantage - the inability to perform transactions at the international level (however, many other payment systems are suitable for this purpose).
Also, a controversial point is that the Yandex.Money wallet can be registered only on individual, which excludes the use of the system within the framework of a particular business or business project.
At the same time, the ability to connect the Yandex.Money system, for example, to an online store is potentially possible. True, the owner who wishes to do this will have to first submit an application, which will be considered and either approved or not.
You can register in the Yandex.Money system absolutely free, and it is better to do this if you have a Yandex mailbox, as this greatly facilitates the task. If you already have Yandex mail, you just need to activate your wallet (create a password and enter identification data). You are given an account number, you can see your balance and carry out the operations you need.
The Yandex.Money system has the ability to work as anonymously and in status identified the user, having previously provided their data, which will be verified. It is worth saying that the first category of users (anonymous) is forced to undergo some restrictions on the deposit and withdrawal of funds, as well as on some other points, which it is better to familiarize yourself with on the website of the system itself. Thus, if you have a long-term interaction with the Yandex.Money service in your plans, it is better to go through identification immediately and successfully exist in the system, without knowing the restrictions and without worrying about this.
If speak about the main problem, which worries any user of any payment system - deposit and withdrawal of funds, the Yandex.Money system provides a fairly rich range of opportunities in this area. Money can be entered through bank branches, through transfer and payment systems (Unistream, Anelik and others), through terminals, as well as through the exchange of electronic currency.
As for the withdrawal of money, this is, in general, a fairly hassle-free procedure and, moreover, the fastest possible, though you have to pay a commission. If the withdrawal is made to an Alfa Bank or Rosevrobank card, the commission will be 3%. If it is any other Russian bank, then you will have to pay the same 3% plus another 15 rubles and plus the commission to the bank itself, which depends exactly on this very bank. Moreover, what is important, when transactions from one wallet to another, within the system, a commission of 0.5% is also charged from the recipient.
In addition, currency can be entered and withdrawn from the Yandex.Money system through exchange offices, where you can exchange Yandex.Money for any other electronic currency. The commission for this operation will be 3%.
Yandex.Money is a fairly convenient and well-thought-out system with a friendly interface. For example, if you received a payment on your account that you want to return, you can simply press a special button, and the system will calculate the commission itself and display the required amount (which is not available, say, in the same WebMoney). Or, if you want to make a transfer, but at the last moment realize that you do not have enough money in your wallet. In this case, the system will postpone this payment and immediately after the receipt of coins on the account will make it automatically.
In terms of security, Yandex.Money is also a fairly solid system in which they use cryptographic RSA algorithm and hash function, as well as strong password access restriction. Offered paid services that strengthen authorization. It all depends on the user and his desire to secure his wallet.
The Yandex.Money payment system certainly has a number of advantages that attract potential users. This is both the level of security, and a very wide functionality and a wide range of options for depositing withdrawals and exchanging funds. Thus, despite the fact that the Yandex.Money system is not international, we can confidently speak of its positive prospects, at least in Russia. At the moment Yandex.Money is one of the three most popular payment systems in the Russian Federation and is not going to give up its positions.
So, Yandex.Money is a popular electronic payment service created by Russian company Yandex. Like most other payment systems, YAD provide its users with a fairly wide range of financial options, a balanced tariff scale and a list of necessary security and anonymity measures.
You can make payments in YD as follows:
- Anonymous user (after a simple registration that takes 1 minute).
- Partially identified user (after providing Yandex with electronic copies of their documents).
- Fully identified user (after complete identification through a Yandex representative or dealer):
Based on the receipt of one of the above statuses, users receive a less or wider range of possibilities for using this EPS, concerning the limits of the balance on the wallet and the amounts of one-time payments, restrictions and on the maximum amount of input-output, the balance on the account. However, even identified users receive a balance limit of no more than RUB 500,000. and the maximum amount of a one-time payment - no more than 250,000 rubles. This is explained by the requirements of the legislation of the Russian Federation, where Yandex.
"For global investment operations, the indicated amounts are small and Yandex.Money will most likely not be suitable for serious investors."
2 Registration in the YandexMoney system
Yandex wallet is associated with the user profile of the Yandex system, which is created by registering in this search engine your email. It is her address that will be your login to enter the poison. Also, as part of creating a wallet, Yandex will ask you to come up with a password to enter the system and provide a mobile phone number.
“There is an option to register a Yandex wallet by linking it to your account at mail.ru, Vkontakte, Google+ Twitter or Odnoklassniki. However, it is better to refuse this immediately, since in the future, this will complicate the process of verifying the account in the YaD and using the wallet itself "
After creating a Yandex wallet, you are automatically assigned the status of an anonymous user, which allows you to immediately start using Yandex.Money for your own purposes.
3 Possibilities of Yandex.Money
EPS Yandex.Money can be used to solve the following tasks:
- Sending and receiving electronic payments within the Yandex.Money system (direct sending of payments and payments with a protection code)
- Using the YAD service as a payment instrument for your own online store
- Making recurring payments (communication services, payment of municipal fines, etc.)
- Linking the YAD wallet to the MasterCard system card (through a fairly wide list of Russian partner banks)
- Using the capabilities of the poison through the mobile application
- Nominal issue MasterCard cards premium class, which is automatically tied to the poison (the card issuing bank is the Russian bank "Tinkoff")
- Bind the poison to your own wallets opened in other EPS (WebMoney, QIWI) - only for residents of the Russian Federation.
- Payment for goods and services on the Internet (in this regard, YAD surpassed most of their competitors, providing users with a huge selection of opportunities with fairly attractive discounts):
4 Security in the Yandex.Money system
It should be noted that in addition to the fact that the YD system is protected by modern SSL protocols, which prevent access to user accounts by third parties, the system uses such security measures as:
- Verifying the user's identity by verifying all financial transactions and operations to change wallet settings through one-time passwords sent to the user's phone.
- Two-factor authentication is a mechanism by which you can maximize the degree of protection of your funds on the YAD wallet. It assumes confirmation of all operations by means of a Yandex key (a special security program of the Yandex company).
5 Tariffs of the Yandex.Money system
The YAD tariff system cannot be called the most loyal. However, it is still quite competitive:
- Transfer of funds within the Yandex.Money system (between users) - 0.5% of the transfer amount
- Replenishment of the YAD purse - direct bank transfers, as well as through the VISA and MasterCard payment systems - from 0.5% to 2% of the replenishment amount
- Replenishment of the YAD wallet - through Internet exchangers from 1% to 3% of the replenishment amount
- Withdrawal of funds from poison - 3% for bank Visa cards and MasterCard
- Withdrawal of funds from poison through attached cards 3%
- Withdrawal of funds from poison to a YandexMoney card (MasterCard from Tinkoff bank) - 3%
6 All the pros and cons of Yandex.Money
- Let's highlight the following as advantages:
- Convenient payment system that allows you to link the YAD wallet to bank cards and issue a special premium YandexMoney card MasterCard systems.
- Good popularity and availability of poison in most online stores and financial (brokerage) companies.
- Sufficient level of security.
- The cons are as follows:
- Payment currency is exclusively Russian ruble.
- The limit on the balance is 500,000 rubles, the limit on a one-time transfer is 250,000 thousand.
- The commission for withdrawal operations from the wallet is not lower, and more often - higher than the market average.
7 Conclusions
The YandexMoney service was created with the expectation of a wide audience of Internet users who, using this electronic payment system, will be able to solve most everyday tasks in terms of making purchases on the Internet, replenishing an account on a mobile phone, etc. As for using the YandexMoney system in investment process, then it should be noted that the currency of payment in YD is exclusively the Russian ruble, and most investment products work in foreign currency (which means that when using YD, you will pay not only a commission for a financial transfer, but also for converting rubles into dollars or euro and back).
Also, let us recall the second feature of this system - the maximum limit for storing funds in Poison is the amount of 500,000 rubles, which makes YandexMoney unacceptable for serious investment operations.
The Yandex.Money service began its work in 2002, and today it is considered the main competitor to the international settlement system WebMoney. Most of the Russian-speaking users prefer the system of the IT company Yandex, or use it in parallel with WebMoney or QIWI.
To open a wallet, you need to create a Yandex mail.
Registering a mailbox in Yandex
If the user does not yet have an account in the service in question, then the first step is to go through a quick registration in the system, get username and password from email.
Then you can connect and use any Yandex services.
It is worth noting that when filling out a user profile, it is best to immediately link your account to your current mobile phone number.
This is necessary to further confirm the operations performed and restore access to the account. Since the system does not oblige the user to identify personal number phone, many users choose the "I don't have a phone" tab and indicate only the answer to the test question.
Opening an account in Yandex Money
For those users who already have a registered mail on Yandex, to open an account, you must:
Main features of a Yandex account holder and setting it up
E-wallet statuses
Anonymous
After registration, the wallet is assigned the "Anonymous" status. The owner of such a cash account has a very limited opportunities, in comparison with the owners of wallets with subsequent statuses. You can make payments from an account with unconfirmed personal data only in the territory of the Russian Federation with a issued virtual card (in online stores, replenish mobile accounts, make utility payments), or with a plastic MasterCard from Yandex ordered by mail in the country's terminals.
With the status "Anonymous" it is forbidden transfer money to other wallets or receive it from other users of the system, order withdrawal of money to current bank accounts or cards.
Nominal
If the user plans to use this money electronic system to withdraw money earned on the Internet to a bank card, you will have to change the status. To obtain the "Named" it will be enough enter your personal information(Full name, passport details, TIN). The activation of the new status is instant. Also, the owner of such a wallet has access to purchases in any online stores, even outside the Russian Federation, and money transfers within the system.
Identified
The most advanced status is "Identified". These are completely different limits and amounts of transfers, replenishment of any bank cards and cash withdrawals through ATMs and MasterCard Yandex.Money cards. In addition, it is possible to link your wallet to the WebMoney system.
To identify yourself in the service, you must submit a written application to receive the corresponding status in person or by mail to the office of the system, or to the office of one of the partners of Euroset or Contact.
Setting up a personal account
By going to the "Settings" section in your personal account the user will be able to:
- change the linked phone number;
- order emergency codes (needed in case of phone loss or number change);
- connect SMS confirmation of monetary transactions;
- subscribe to SMS notification (paid service);
- enable or disable email notifications;
- link the required bank card;
- order registration of a virtual or issue of a personal plastic card of the service.
Application "Payments Online"
Yandex.Money: Online Payments is a convenient application for mobile gadgets
Making payments and transferring funds is easy with this free app. Moreover, this software capable of generating one-time passwords for logging in to the system.
The program provides great opportunities for money management, which are no different from using a wallet through a familiar Internet browser. Here you can pay:
How to transfer Yandex money to a bank card?
The most popular way to withdraw money. To order a payment, a card does not even have to be linked to a wallet. Yandex service performs withdrawals to cards of the main payment systems Visa, MasterCard and Maestro. The minimum amount for making a transfer is 500 rubles. The commission is 3%. If the card is not tied to a wallet, then 45 rubles are additionally charged for each transfer.
To receive Yandex money on a bank card (debit, credit, salary), you must:
Virtual and plastic cards from the service
This is a fairly convenient service of the payment system in question. Any registered user, regardless of the status of the wallet, can issue both a virtual one and order the issue of a personal plastic card.
Virtual card
Features of the virtual map of the Yandex service:
- Issued free of charge in the user's personal account;
- Has no physical medium, but is tied to an account in the system;
- Has its own CVC2 code and a certain period actions that are sent via SMS to the owner;
- Easy and fast replenishment in many ways;
- With its help, you can quickly pay for goods and services on the Internet without commission;
- Any owner of an account in the Yandex system can register, regardless of the status of the wallet.
A plastic card
Features of a plastic card from Yandex:
- Issued for 3 years, at the end of the validity period, you must order new card;
- The cost of servicing a plastic card is 200 rubles (a one-time fee for three years);
- Issued and delivered by Russian post - free of charge;
- Shared account with a wallet - all money credited to the account is immediately available for use through the card;
- All owners (except for unconfirmed wallets) will be able to pay by card both in online stores and in supermarkets, shopping centers, cafes, restaurants. In other words, wherever you can pay with bank cards of the international payment system MasterCard. Owners of anonymous wallets can make monetary transactions only within the Russian Federation;
- This card is protected by a chip and a magnetic stripe, supports new technology MasterCard PayPass (you can pay without entering a pin code).
Yandex.Money is a popular payment system with a simple and intuitive interface, great opportunities, many partners throughout the country, which simplifies identification.
With the help of this system, you can easily withdraw money earned on the Internet to any bank card, or spend it directly from the account by ordering a virtual and plastic card of the system.
(storage and transmission of confidential information over open networks).
Yandex.Money is not a bank. When entering money into the system, the user receives the operator's impersonal monetary obligations signed by a digital analogue of his handwritten signature, that is, an electronic analogue of cash - digital money. All funds in the Yandex.Money system are secured by real bank accounts placed with the following banks:
- Alfa Bank;
- VTB 24;
- KB OPENING (RBR);
- Sberbank.
The Yandex.Money system is simple and easy to use. Some inconvenience is that it is intended only for residents of the Russian Federation and operates only in Russian rubles. In addition, the system can be used exclusively for personal, family, household and other needs not related to the implementation of entrepreneurial activities. Only an individual can be the owner of a wallet in the system.
For sellers of goods and services who want to connect accepting payments through this payment system in their online store, the Yandex.Checkout tool is offered.
Yandex.Money is widely used to securely pay for various services and buy goods online without commissions and queues.
GETTING STARTED IN THE SYSTEM
Registration in the system Yandex money free. To get your Yandex.Wallet you only need to register on Yandex. If you already have, for example, a mailbox on Yandex, you just need to log in and activate the wallet.
Wallet activation is a simple procedure, which consists in creating a payment password and providing personal data to identify the user. After that, you find yourself on the page of your Wallet, you can see your account number (highlighted in green, starts at 41001 and contains from 12 to 14 digits) and balance.
Attention! When registering a wallet, indicate only your real data (full name, passport data), this is in your interests: if you lose your password or even the wallet itself, the system will be able to return the money to you only if your identity can be verified.
User identification
The newly opened account in the system is anonymous. You can work with the system in anonymous mode, but in this case you will be subject to a number of restrictions on input and output. Money, as well as for the transfer of funds within the system. The limit on the balance in the wallet, one-time replenishment or money transfer is 15,000 rubles for anonymous users.
If you indicate your full name, passport data, phone number, as well as TIN or SNILS, then your wallet will acquire the status of a registered one and the limits will increase to 60,000 thousand rubles.
If you identify a wallet, then many restrictions will be removed from it, and the limits will increase significantly.
It is easier for an identified user to restore access to a lost wallet - it is enough just to present the documents specified in the identification procedure.
Unidentified users are not eligible for fundraising in charitable purposes... This measure was introduced because fraudsters often try to collect money, disguising themselves as benefactors.
If you plan to actively use your Yandex.Money wallet, often make or receive money transfers, publish your account number in the public domain, it is highly desirable for you to go through the identification procedure.
At the moment, the system offers a wide range of identification methods for every taste, perhaps the largest of all payment systems.
1.Personal contact to the Yandex.Money office with a completed application form and passport. It can take up to 7 business days to process an application received from you by an office worker. Available to residents of Moscow, St. Petersburg, Nizhny Novgorod, Novosibirsk and Yekaterinburg. In Belarus, Kazakhstan, Ukraine and other countries, you can identify a wallet from Yandex.Money agents.
2. Sending an application by mail. In this case, you certify your signature in the completed application form with a notary and send it to PS Yandex.Money LLC by registered mail to the address: 119021, Moscow, PO Box 57, NPO Yandex.Money LLC. A universal method, suitable for everyone regardless of place of residence, but has a drawback: you must pay for the services of a notary.
3. Identification through the CONTACT system... To go through the identification procedure in this way, you need to fill out an application on the website, print it and go to the nearest point of the Contact system, not forgetting to take your passport with you. You will be charged 250 rubles, but 100 of them will then be returned to your wallet; thus, the procedure will cost you 150 rubles. After making the payment, wait 1 business day, then go to the Yandex.Money website. A confirmation link will appear there. When you follow the link and confirm the entered data, how the wallet will become identified.
4. Identification in "Svyaznoy"... The procedure for passing identification in a liaison office is similar to the previous method. The difference is that you do not need to print any statements - just write down your wallet number or download the Yandex.Money mobile application, as well as in cost: in Svyaznoy, identification will cost you 300 rubles.
5. Identification payment in Euroset... This can be done in any Euroset store. You need to have your passport with you. The amount of the identification payment is 50 rubles. Of these, 1 rub. will be credited to your account (verification transaction). This type of identification can only be passed by adults, and it is impossible to make an identification payment for another person.
6. Identification in "Unistream"... Both Russians and foreigners who are in the Russian Federation can identify an electronic wallet in Unistream. The identification process takes only a few minutes: you need to go to the Unistream point, show your passport and say your Yandex.Money wallet number. To complete the identification, you need to go to the wallet on the website or in the Yandex.Money application, check and then confirm the provided data.
7. Identification in MegaFon... You can go through the Yandex.Money wallet identification in any Russian MegaFon store. This can be done by both Russian and foreign users of the payment system. To pass identification, you need to present documents to the cashier of the salon and pay for the procedure. At the moment, the cost of the operation is 200 rubles. The result will be in a few minutes. To complete the identification procedure, you need to confirm it by going to the mobile application or wallet on the website.
8. Through Sberbank. Available to those Sberbank customers who have a Sberbank card and are connected Mobile bank... Important: the Yandex.Money wallet and the Sberbank Mobile Bank must be connected to the same mobile number. To pass identification, you need to leave a request on the Yandex.Money website. After that, Sberbank will send an SMS from number 900. By answering it, the user will allow the bank to transfer his personal data to the payment service. The wallet will be identified within a few days.
9. Copy identification... If you already have an identified wallet, you can copy passport data from one of your wallets to another. The process will take no more than a minute: you need to specify your login or account number, then go to another wallet and confirm your identification by clicking on the link provided. Copying limit - 10 wallets.
Working with the system. System commission when making payments
A commission of 0.5% is charged to the recipient of funds upon receipt of payment to the Wallet from a user of another Wallet. The system has a limit on the amount of direct money transfer (from Wallet to Wallet): for registered wallets 60,000 rubles per transfer and 200,000 rubles per month; for identified wallets - the limit for one transfer is 400,000 rubles.
If you want to get rid of the commission for transfers within the system, use the Yandex.Money mobile application: transfers through it are carried out without commission.
Yandex.Money has a payment refund function. If you received money from another user of the system, then by clicking on the icon with the inscription "Refund money" in the payment history, you can easily and quickly return it to the sender. In this case, the system itself will calculate how much, taking into account the charged commission, you need to transfer so that the same amount of money is returned to the sender's account as it was debited from him.
For the convenience of its customers, Yandex.Money issues cards tied to a wallet. The balance of the card and wallet is the same. There are two types of cards: plastic and virtual.
To order a plastic card, you need to pay 200 rubles. The card will be valid for 3 years. Plastic card order on the site, it comes by regular mail. You can pay with it both offline and on the Internet, it is personal. You can replenish the card without commission through Sberbank, Euroset, Svyaznoy, payments are made without commission. But a transfer to another card or e-wallet will cost 3%, at least 100 rubles. Another important feature of Yandex.Card is the ability to pay via Apple Pay and Samsung Pay.
A virtual card, as its name suggests, has no physical medium. But still, it's real bank card with your details, which are stored on the Yandex.Money website. It is released in 3 seconds and is immediately ready for use. Valid for 1 year, then you can order a new one. You can withdraw cash from a virtual card through Google, Apple and Samsung Pay, the commission is 3%, the minimum for withdrawal is 100 rubles.
As mentioned at the very beginning, Yandex.Checkout services are offered for business. But besides this, Yandex.Money offers a wide range of tools for receiving money, for example, on a website, blog, or for collecting funds for specific purposes.
1. Each wallet user has his own business card. It's just a link that contains the wallet number, like money.yandex.ru/to/410011111111111. It can be sent to anyone, and if you open it, the person will see the form for translation.
To carry out exchange operations with Webmoney, you need to link your WebMoney wallet to your Yandex.Money account. This is possible only if you are verified in both systems, that is, you have gone through the identification procedure in Yandex.Money and have a passport at least formal in Webmoney. Your credentials must match on both systems. The final commission of the transfer in both directions is 4.5%.
Terms of enrollment depend on the specific operator.
You can withdraw money from Yandex.Money in several ways.
Money transfers, as well as the possibility of withdrawing funds, are available only to the owner of registered and identified wallets.
1. To the card. Commission - 3% + 45 rubles, minimum amount transfer - 100 rubles.
2. To the account natural person in any Russian bank... These transfers usually take 3-7 business days. The system commission for this method of withdrawing money is 3% + 15 rubles, and, in addition, you will have to pay a certain percentage to the bank. For some banks, the withdrawal conditions are different: commission for Alfa-Click, Promsvyazbank and Tinkoff Bank is 3%.
2. If you forgot your payment password
If you forgot your billing password, you will need to get a new one.
How it's done. On any page where a payment password is requested (for example, in the "Payment history" section), follow the link: "Remember payment password". An email will be sent to your email address with a link to follow. You will be taken to a page with a form for entering personal information and creating a new password. Fill in all the fields, and the data must correspond to those entered during registration. You will be given 3 attempts. If you entered your information incorrectly three times, the ability to automatically receive a password will be blocked for you. In this case, you will have to contact Yandex support, and the payment password will be restored only after personal review. If you fill in all the fields correctly, you will receive a new payment password.