Where better to start an electronic wallet. Which electronic wallet is better to choose? Which web webman's wallet should start
Online wallet - This is a system that allows you to store cash in electronic form and exercise with such a wallet any payment transactions.
In general, the concept of an electronic wallet is just starting to gain popularity.
Types of electronic wallets
Nowadays, there are quite a lot of such electronic wallets, they are all in great demand.
Webmoney (Webmoney)
This online wallet was created in the late 90s. The symbol of this system is an ant. With the help of it, you can make both payment transactions and transfers to current accounts, or bank cards.
When transferring money to bank cards or the settlement account, the Commission will be charged, which will depend on the amount you enumerate.
In order for the webmoney's wallet, there are constantly with you, special applications are created on both 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 certificate. To do this, you need to download scans of your passport and specify your personal data. You can confirm operation of operations both through the SMS message and through captchas, or the way the answer is the answer.
WebMoney is currently the leader in popularity in Russia. In general, this system is registered in London, but the center of certification is located in Russia. But in Germany, this system is prohibited.
Yandex money
Yandex money appeared in the early 2000s. Using the web interface, this system has become possible to work in 2005. It can be called the minus the fact that it does not work with foreign currency, only rubles. However, these rubles can be translated into anywhere in the world. The plus you can call the fact that the Commission on many operations is not charged at all.
To make money from such a wallet, you can tie it with your bank card or make a separate Yandex Money card. It is free in manufacturing. When you first use this system, you should also identify your identity.
It can be said that this wallet is adapted to work in Russian Federationwhy they do not use everything.
At the moment, the main shareholder of this system is Sberbank of Russia.
Visa.
Such a wallet can be easily replenished through the terminals, which are sufficient in any city. This service is popular in Russia, primarily due to a very simple registration, the popularity of the brand of this wallet, the lack of commissions for internal transfers and the possibility of receiving a map with a binding to the electronic wallet.
But there is a huge minus of this system - the Commission for Mobile Services Payments is charged. Another minus is the low degree of security of such a wallet.
QIWI
The advantages of this system are quite simplified registration: just specify a mobile phone, after which you will receive a check password. You can replenish the balance of such a wallet without commission and all payments and translations are carried out very quickly.
As in the Yandex Money system, you can order plastic card And it is paid to her when making purchases, or just to make money in ATMs. The shelf life of such a card is one year.
You can make the binding of this wallet with the WebMoney system and translate funds from one wallet to another.
It should be remembered by the Commission, which is charged when using the WebMoney system.
PayPal.
PayPal is the largest payment system worldwide and the most common. It was created in the late 90s. In Russia, it is not so popular as in other countries of the world. Such a system must be bonded to your bank card. To do this, you inform the details of your account, within a few days you will come 2 enumerations in the region of 10 kopecks. After that, you finally give your bank account with PayPal.
If you actively make purchases abroad, without this payment system, you definitely do not do. Until recently, the Russians had no opportunity to use this system, but then they first made it possible to pay for purchases, and then replenish and make money from this card.
Limit on removal money Russia is 500 dollars. Creating an account is free, and the Commission is charged not from the sender, but from the Recipient of Cash, which is very in a convenient way When paying purchases via the Internet.
Liqpay.com.
LiqPay.com has been operating since 2008. It has the greatest popularity in Ukraine. Account number This system will be your number. mobile phone. Confirmation of operations occurs using SMS messages.
In LiqPay you can work with any currency. With the help of it you can make a variety of payment transactions. You can withdraw funds from the account to the card or cash through ATMs.
Rapida Online
This system is not popular. Most often it is used corporate clients. She works on the basis of Google.
Perfekt Money.
Most often it is used for any investment projects, either in financial Pyramids. Payments can be performed in foreign currency and gold equivalent.
Okpay.
This system is positioned as world. Payments are made with various currencies. It is possible to get a map. The advantage is the fact that if you attract other people in it, much more opportunities are opened for you.
PAYEER
The system is very easy to use, makes it easy to transfer money 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 specify unreliable information about yourself than very often the fraudsters are used. Money can be translated to anywhere in the world. The system is very well protected. Works with two currencies: euro and dollar.
E-GOLD.
This system works with metals, such as gold, silver, platinum, etc. The main advantage is that it does not depend on currency courses different countries. But while in the use of E-Gold there are a number of problems that are in the process of refinement.
Single electronic wallet
This wallet allows you to pay for services online. You can use such a wallet as with mobile deviceand through a personal computer or tablet. To register, it is enough to specify your phone number to which you will be sms with your wallet number and password to it. Many payments through this system carried out without charging the Commission. You can remove money from the account through any post office.
Electronic wallet Bilain
The electronic wallet was created to make micropagles, the Transaction Commission is not charged, the system works together with Alpha Bank. It is possible to transfer funds to bank card or in the WebMoney wallet.
Electronic wallets common in the Republic of Belarus
Immediately it is worth saying that in the Republic of Belarus for a long time refused to take electronic variant Money. They entered only in early 2013.
It can be said that at present there are about ten electronic systems in Belarus.
- Of course, in the first place, as in the whole world, there is a payment system WebMoney.
- The next system can be called Belqi.. This system is very young and works on the basis of the Qiwi system known to us. All operations are carried out similarly.
- Wallet One.. This is the youngest system operating in the Republic of Belarus. You can connect both through a mobile phone and through PC. The balance is replenished both through the terminals and through the Bank Interpebank. Commission for payments through this system has either the minimum value or is not charged at all. You can also withdraw money from the account through the bank or translate them to the card.
- Easypay.. Before use, it is also necessary to go through the registration procedure. Commission for payments is charged in the amount of 2%.
- iPay.. Very simple to use the payment system, however, the Commission may be charged from 0% to 4%, depending on the purpose of payment.
- Berlio. It is designed to make payments for fuel both in the Republic of Belarus and around the world.
- There are also such systems as Prepaid cards. They are used as standard maps, but they are still to electronic wallet.
Electronic wallets in Ukraine
- How and everywhere most popular is the payment system WebMoney.
- Yandex money also used quite actively, despite the fact that this system is focused on russian ruble. This system is used in calculations for the goods purchased in the ruble equivalent. The Commission is charged in the amount of 0.5%.
- RBK Money.. Replenish the balance of such a wallet can be the most different waysHowever, ATMs are available only in Russia. The Commission is charged from 0.3% to 0.5%.
- Ukr Money.. This is a purely Ukrainian system was created quite recently. It actively cooperates with PrivatBank, which allows users of such a system to carry out all calculations through this bank. You can use your account with PC. You are opening accounts in rubles, hryvnias, dollars and euros.
- The Internet. Money. Through this system you can make any purchases and pay them. To use it is enough to install the application or go through the official website from any PC. The Commission may be up to 0.5%, or not to be charged at all.
- E-GOLD.. As already wrote, used all over the world. She is good because she keeps the full privacy of the payer, it is because of this that it is very popular among the scammers. For the account itself will need to pay 1% every year.
- Also in Ukraine is popular system PayPal.which we have already spoken above.
Electronic wallets in Kazakhstan
- The most commonly used electronic wallet in Kazakhstan is QIWI. He appeared in this territory in 2011. He earned his prevalence in connection with simplified registration, the ability to replenish the balance from numerous ATMs, payments from this system take almost any online stores and of course the reduced commission.
- WebMoney. In Kazakhstan, it is considered one of the safest systems.
- Yandex. Money. As we have talked above, it is focused on the Russian currency, so it is often used in calculations in rubles.
- Well, of course, PayPal. It is also actively used in Kazakhstan, especially when calculating in the online stores of America.
It is worth noting that there is still a huge number of various electronic wallets. For example, in Moscow, the tripler system uses popularity, with which you can pay for public transport. She was introduced in 2013.
In the Moscow region, such a system is called the arrow, and in St. Petersburg - the plantain. There are such cards in many cities of Russia with a developed transport system. Such cards allow you to reduce the minimum of the queue for payment of transport, and allows you to create unified system payment of transport services. This card can be obtained directly at the checkout or kiosks. You can also replenish such a card through the ticket office.
Cash is stored on the account within five years after the last use of the map. You can put no more than 3000 rubles on this card.
In conclusion, I would like to say that before starting an electronic wallet, choose a currency with which you plan to make calculations and only then choose a comfortable wallet, it is important not to forget about the security of such payments.
Payments on the Internet, as well as electronic money, have become quite ordinary phenomenon for good half of users of personal computers and mobile gadgets. "Cash", of course, also in the go, but slowly goes to the background.
With the help of electronic money you can perform almost any cash operations: Buy bread, pay a loan, repay the penalty in the traffic police, give a debt and much more. The popularity of similar monetary systems, and sometimes the sharp need for them causes many questions from some users. What electronic wallet is better? How to start it? What is needed for this? Instructions in payment systems, to put it mildly, dry, and the possibilities described in them are rather similar to the diffilaments in their honor. We will try to place everything around the shelves and push the popular LBA payment services to identify the most optimal option.
So, we will understand which electronic wallet is better why, what is needed to open it and how it will help in one situation or another. For a start, find out what it is at all.
Online wallet
The electronic wallet or payment system is a service that allows you to store the financial savings of the user on individual account And if necessary, pay them in the network or in real life. In essence, such systems are an analogue of a regular bank account, only with richest functionality.
The good half of those who know how to use the electronic wallet, consider it an ideal tool for online shopping and other settlements on the network. Working on the Internet with copywriter, designer, webmaster or programmer, you will definitely encounter payment systems. Earn money can be used not only in the World Wide Web, but also to derive them to tangible bills using bank cards that are also issued in the payment services.
There are quite a lot of opportunities for such systems, it remains only to decide which electronic wallet to choose.
Popular payment systems
The list of payment systems is not so big. To be called, you need to get a license, to have a rather rather large capital to guarantee payments and perform a lot of other, no less serious requirements.
To answer the question "What an electronic wallet is better", we will look at the three most popular payment systems that are perfectly suitable for any domestic user. And in 90% of cases, one service can completely replace the other. By and large, the critical difference between systems as such and no, but only small differencesthat will help you decide anyone and solve for yourself which electronic wallet is better.
"Yandex money"
This payment system from a well-known domestic search engine was launched in 2002 and was created specifically for the Russian user. With the help of the Yandex.Money Wallet, you can take, pay and exchange virtual currency.
The service has a convenient web interface for personal computers and a mobile version for gadgets on the Android and IOS platform. You can replenish your account in terminals, banks, communication salons and other places where the company's logo of the Yandex.Money e-wallet is indicated.
Features of the service
For offline calculations, you can arrange a plastic card in the service. The latter is accepted everywhere and without restrictions, as if they ordered the same in any bank. It can be paid in stores, shop online, as well as remove cash.
Yandex.Money is optimal option For the average user. It is convenient, the interface is understandable and without unnecessary problems. To open all the available functionality, identification is needed: passport and personal presence in the nearest branch of the service. The only minus system is only russian currency Appeals. You can replenish the balance in dollars, and in euros, but the account will always be the amount in the ruble equivalent. So have this moment in mind, before you have an electronic wallet in the Yandex service.
"WebMoney"
This is one of the most serious payment systems operating since 1998. One of the most remarkable merits of this service is versatility in terms of currency. Here you can start a bill in dollars, in euros, brands, pounds, and even the electronic wallet for cryptocurrencies, that is, in almost any monetary standard. For some users, this is a critical moment when choosing a payment system.
It is also worth noting that the internal appeal and conversion of the currency occurs instantly: it is not necessary to contact third-party intermediaries and exchange items - everything can be done quickly in the service interface. The latter, by the way, is distinguished by the confusion, so it will not be able to figure it out. To the specificity of the menu branches and not intuitive functionality will have to get used to, especially if you switched from Yandex.Money.
Distinctive features of the payment system
To access the full system functionality, multistage identification is required. The sent scan of the passport removes some limitations in terms of transfers and gives an initial certificate. A certified copy of the notary allows you to issue a bank card, and the account is assigned the status of personal, where funds can be converted with almost no limit. There are other identification certificates designed for serious business projects, but also to get them much more difficult.
In general, it can be said that "WebMoney" is a whole complex for working with virtual money. The system has its own local client, multi-level protection and the ability to work with various currency standards, that is, everything that is in ordinary offline banks. Webmani will be a useful tool for those who have dedicated themselves to earnings in the network and works with foreign counterparties. In addition, the possibility of registration of the current electronic wallet for cryptocurrency makes the system even more universal and attractive for advanced business users.
"Kiwi"
The Kiwi service appeared in 2007 and, along with Yandex.Money, attracts its simplicity and convenience of ordinary users. The payment system works through a web interface in case of a personal computer or as mobile applicationIf you use a smartphone or tablet for these purposes.
As a personal accounting, the service is used by the tied phone number with the subsequent identification, which is very convenient: the cherished figure in eleven characters is always in the gadget record or in memory, so problems with "where you throw money", as a rule, does not happen.
Another remarkable feature of the service is the possibility of working with euro, dollar and Kazakhstan tenge. In this regard, the wallet is more versatile, unlike Yandex.Money. But as a spoon, the Commission serve here. Not that the latter differed high percentJust they are almost everywhere, even where they should not be in principle.
It may be not so noticeable when it comes to small sumsBut when you work with five or six-digit numbers, you feel collapsed. So for serious business projects, this service is not the best option, even if it is distinguished by universality, convenience and pleasant interface. So have this moment in mind, before you have an electronic wallet in the Kiwi payment system.
Summarizing
What system to choose, depends only on you and your needs. If you are called, turning millions, then the best option Will be webmani. It has the most reliable protection, financial guarantees and a large selection of foreign currency wallets.
Freelancers and other users middle Hand There is no need to bother with a large and serious "webmoney", and it is better to pay attention to more friendly services in terms of usability from Yandex and Kiwi. It also has the opportunity to issue a bank card and work (or spend money) in his pleasure.
What electronic wallet is better?.
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I have repeatedly said about how important the remote employee has an electronic wallet (and what else needs to start working on the Internet, you can read). I have three wallet and today I will share with you information about which electronic wallet is better, and what features everyone has.
Consider:
What electronic wallet is better: basic electronic payment systems
WebMoney
It was the first wallet that I started on the Internet. The reasons for that were - only having a WebMoney wallet, you can work on one very popular freelance stock exchange. So I didn't even choose what to start. 🙂
What is good. Webmoney has the opportunity to tie a few wallets in different currencies. Of course, the most popular - ruble and dollar (relevant for those who work with foreign customers).
On the account of Webmoney, you can receive translations from other users of this system, replenish your account using a bank card (with the Commission) or banking terminals, And even exchange currency (translate money from your currency wallets to ruble).
You can withdraw money from the account by transferring (Russian Post, gold Crown etc.) and on the map of any bank. But the most convenient to tie your wallet to the bank card, which you use most often.
You can pay for various services without commission: mobile communications, utilities, Internet, penalties, etc. There is also an interesting opportunity - to take a loan.
What do not like. Long and complex registration procedure. To use the maximum to use the capabilities, you need to get a certificate (to pass identification). To do this, you will have to contact the bank and make a translation (100 rubles enough) at the expense of your wallet.
Commission for transfers within the system is charged. In addition, when you pay purchases on other sites through Webmoney wallet, you need to enter a check code that comes to your phone number for 1.5 rubles.
And not a very convenient interface.
Yandex money
The most popular e-mail with the Russian user - Yandex.Money.
Registration is not very difficult, but as well as in WebMoney I recommend confirming my identity (for this you need to provide passport data - SCAN passport).
The system is understandable and easy to use.
You can replenish your account from other wallets (not only Yandex.Money), from a bank card, from the balance of mobile, cash (in Euroset, bank transaction, in Sberbank Terminals).
Top up account without commission You can only in cash or from a bank card. For the rest of the translations charge is charged.
I get most of the payments exactly on Yandex.Money, so I released the card to pay from the account not only on the Internet, but also offline in stores. The cost of the card is 300 rubles, issued for 4 years.
The system only works with rubles.
Qiwi wallet
Take a QIWI wallet - easier than a simple! The wallet is tied to the phone number, and, it means that this is the number of your wallet. Very convenient and just remember!
To replenish QIWI wallet is also convenient - QIWI payment terminals are installed in almost every supermarket throughout the country.
Similarly, you can pay any services without commission. Also like Yadnex.Money has a card issue. The card is produced for 2 years, will come by mail. Cost card - 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 do not see the need to allocate best online wallet. Each of them has its pros and cons that you notice only if you directly work with them.
But you can not hurry with the release of cards until you are sure to go to which wallet to do most
And what are your wallets? And how do you use most often?)
Regards, Kazakova Ekaterina
In this step-by-step instruction on the site we will continue the topic of finances and learn how to create a wide variety of wallets in the webmoney system. But for beginnings, consider our potential opportunities and mandatory initial conditions.
To start a webman's wallet, you need:
1. Register on WebMoney - See step-by-step instructions "" (Better to open in a new window through the right mouse button).
2. Authorized (Log in) In your webmoney's personal account using a secret login and password, and, sometimes, a personal mobile phone number registered on the last step (see previous instructions of our site).
What webmoney wallet should you start?
The answer to this question each user gives individually. Someone needs a dollar WMZ wallet to work with foreign sites, someone needs a ruble WMR wallet to pay for goods and services in RuNet, well, and someone cannot do without euro - WME or hryvnia - WMU accounts.
In particular, almost all the online stores of the Russian-speaking Internet take Webmoney, so it is better to immediately create several different wallets that will be useful in the future.
At the moment, the following webmoney wallets are available to the creation:
WMZ - USD Equivalent (Dollar);
WMR - Equivalent RUB (ruble);
WME - EUR equivalent (euro);
WMU - Equivalent UAH (hryvnia);
WMB - Equivalent BYR;
WMG - 1GG equivalent;
WMX - Equivalent 0.001 BTC (Bitcoin).
How to start a webman's wallet: step by step instructions
To begin with, recall the direct address to go to webmoney - http://webmoney.ru/
1. Go to the "Wallets" section (the very first Icon / Link in the Personal Account):
3. Select from the drop-down list the equivalent of that wallet to be created (see the table of options above), we put a tick, agreeing with the rules of the system - "I accept the terms of this agreement", click "Create".
4. We are thrown on the main section personal Cabinetwhere the green inscription is already banging that: "WM wallet was successfully created!"
5. To continue the creation of additional wallets for other currency equivalents, it is necessary to go again to the "Wallets" section and do the same actions in the same order. The only nuance - with already created wallets you have to choose the function "+ add more"
Webmoney, Yandex.Money and QIWI, it can be understood that the difference between them exists, and significant.
Safety
The most reliable protection of WebMoney., especially if using the classic version - special programwhich is installed on a separate computer and persistently reacts to a device change or IP. Also to enhance the WebMoney account protection exist: a key file, disposable passwords sent to SMS-messages during transactions, as well as the E-NUM service for storing confidential data.
Quite decent protection Yandex.Money. In addition to the password to enter the service, there is also a separate payment password, which can be both permanent and disposable, sent in an SMS message with each payment operation. If you do not inform the address of the Yandex-mail to anyone, which is registered by Yandex-Wallet, and not use this e-mail to correspond or register on other resources, then the risk of hacking an account, and with it payment service significantly decreases. Explanation - the address of the electronic Yandex-Mail is half the information to enter Yandex-Account.
Causes some fraction of criticism safety QIWI WALLET. . Login to enter the service - phone number. Password is permanent. The presence of a phone to enter the wallet is not needed. However, each payment transaction is protected by disposable SMS passwords.
Convenience and simplicity
First place can be given QIWI WALLET..
- No authorization and confirmation of your data are needed.
- Own plastic and virtual cards.
- Many methods of instant and free replenishment, but mainly with cash through the terminals.
What swinging cards and Internet banking, there are some limitations. You can replenish your account using any debit or credit card, It is enough to register it on the site. If the transfer of money is going to make a party that does not have access to the recipient account, the list of cards is strictly limited.
The main inconvenience is the maps of little-known small banks. For example, to replenish someone else's qiwi account, using the map of the most popular Russian issuer - Sberbank, there is no possibility. But there is an opportunity to replenish through Alfa-Bank.
- A very convenient interface with a minimum settings.
- A fairly large limit of funds for transfers - up to 15,000 rubles at a time and up to 40,000 rubles for storage in the wallet.
- A low commission for the output of money is about 2%. The ability to get cash without having a bank account, payment card, without identification.
Second place in terms of convenience you can give PS Yandex money.
- A fairly large list of operations without identification, that is, having an anonymous account.
- Release your own plastic and virtual card.
- Output features are quite limited - only the bank card and the invoice, the output to the card takes too much time - up to 6 business days, but it works without identifying the user.
- A single tariff for the withdrawal of Yandex.Money is 3%, regardless of the output method. This is one of the few payment systemswhere there are no complex tariff nets to cash output operations.
It is difficult to inexperienced users with the system WebMoney..
- There is a complex scheme of user gradations - with proven passport data and without identification. Many operational operations cannot be performed from an anonymous account. And verification of passport data - long-term in time and not a free procedure.
- For an operation of the output of funds to a bank card, it must be tied to the account, which also requires certain actions (how to translate Webmoney to the Sberbank card, the withdrawal of webmoney to the bank card - where it is more profitable).
- As compensation, for WebMoney spending on the network there is a huge selection among online stores that take these electronic money, regardless of the type of payer's certificate.
- Webmoney does not produce own plastic or virtual mapswhich could be regarded as traditional Visa or Master Card.
- The lack of automatic conversion of one WebMoney currency to another, the user makes sharing independently.
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