How to install and use an electronic wallet. How to create an electronic wallet

Hello! In this article, I will show you how to create an e-wallet.

Electronic money is a way to pay for goods and services via the Internet. You can buy things, pay for services and transfer funds to someone without leaving your home. E-wallets have been providing online commerce for more than 10 years, and now it is difficult to imagine how you can do without them. In this article, we will figure out how to create and use e-wallets and which one is better.

What is an electronic wallet

Electronic wallets - the place where you store electronic money for payments on the Internet. This is your virtual wallet, only it has many more functions.

With it you can:

• Buy goods from online stores.
• Make money transfers.
• Pay for cellular and Internet services.
• Make purchases in online games, etc.

And all this can be done in a few clicks from the comfort of your home. With the advent of bank cards, electronic wallets are not so necessary, because plastic performs the same functions with the help of applications.

• Those who constantly buy something in online stores.
• to get paid.
• Online store owners and any online sellers.
• Owners of websites, blogs, social media groups and similar projects.
• For players in.
• Active gamers.

If you fall into one of these categories, it is high time to think about how to start an electronic wallet.

Most active Internet users have a need for an electronic wallet. But despite the fact that bank cards have practically replaced them, it is much easier to open an electronic wallet, and it takes a couple of minutes.

Each user can create an electronic wallet for free.

Without e-wallets, all commerce on the Internet would not exist. Electronic transfers, payment for, for projects, for remote work - all this passed and is going through electronic wallets.

Western e-wallet PayPal is generally tied to a bank card. Calculations within the system are instantaneous. Most large players, even at industrial auctions, prefer to pay with this payment system for multi-million dollar contracts.

Despite the fact that the creators set out to completely change the system of world settlements, wallets are still actively used around the world. So there is no need to think that they will gradually become obsolete, turning into something useless.

Now let's move on to the questions of how to make an electronic wallet in the three most popular payment systems: Yandex.Money, Qiwi and Webmoney.

How to create a Yandex.Wallet

Yandex.Money is the most popular payment system in Russia. It is quite convenient, has been working steadily for 15 years and makes it possible to transfer funds in a few clicks.

You can create an electronic Yandex.Money wallet in 6 stages:

1. Registration of mail on Yandex.
2. Go to the "Money" section.
3. We select "Opening a wallet".
4. We fill in all the data in the fields.
5. We confirm the phone number via SMS.
6. We receive money.

After you open the Yandex.Money wallet, only basic transfers will be available to you, such as replenishing your phone, internet and utility bills.

Yandex.Wallet has several levels:

1. Anonymous- nothing needs to be confirmed. Available immediately after opening the Yandex.Money electronic wallet. You can store up to 15,000 rubles, payment limits - 15,000 rubles. Payments are only available in Russia. You cannot transfer to a bank card and transfer funds to other wallets without a direct request. You can withdraw funds exclusively through exchangers.
2. Nominal- you can store up to 60,000 rubles in your wallet. Payment limits - 60,000 rubles. You can transfer to bank cards and other wallets. In order to receive a personalized wallet, it is enough to send a copy of your passport to the service.
3. Identified- you can store 500,000 rubles on your wallet. The limit for payments is 250,000 rubles from a wallet and 100,000 rubles from a card. It is possible to transfer to a card, wallets, bank account and direct cash transfers through the Western Union system.

Identification can be obtained in a variety of ways. The simplest is Euroset and Svyaznoy salons. Come there, bring your passport, fill out the form and pay 50 rubles. After that, you receive a confirmation and an identified wallet.

If you have such an opportunity, I recommend getting identification immediately after you start a Yandex.Money wallet. This will save you the hassle of limiting money transfers and withdrawing money. Each level opens up additional opportunities, which once again suggests that you need to confirm your account as soon as possible.

Yandex makes it possible to transfer funds to a card from 100 rubles. But the service commission is huge: 3% + 45 rubles. When transferring 500 rubles - 60 rubles, when transferring 1,000 rubles - 75 rubles, when transferring 5,000 rubles - 195 rubles.

When transferring from wallet to wallet, no commission is charged. When paying for purchases on the Internet, the amount of the commission will depend on the service that Yandex works with.

You can top up Yandex.Money in the following ways:

• Through any payment terminals.
• Using bank cards.
• From mobile phone balance.
• Using other e-wallets.
• Bank transaction.
• Through the mail of Russia, CONTACT, Unistream.

Yandex.Money wallets can be linked to Webmoney and Qiwi. This will allow you to make transfers within these systems without using exchangers.

In the original Yandex.Money system, there is no way to make payments in dollars and euros. But there is an opportunity to create a virtual card, which will act as a dollar wallet, and pay with it for purchases in foreign stores.

A few words about the security of Yandex Wallet. You have two options for confirming transactions:

• With a permanent password.
• One-time passwords.

When registering, you will be given the opportunity to create a permanent password. Approach this issue wisely. You need to choose a complex password that cannot be hacked. It is desirable that it consist of letters, numbers and symbols of different case.

Don't forget your password. When I created the wallet, I didn't notice and automatically entered one of my permanent passwords into the form on the site. Then for a very long time I tried to restore the wallet and change the password, but after all the conversations with technical support I had to remember it myself.

If you try to log into your wallet from another device, even if you know the password, you will be asked to confirm via SMS. Therefore, it is best to immediately change the password to a one-time one. As soon as you change your password to a one-time password using your mobile phone, you will receive SMS with codes to confirm transactions. You will also receive 25 one-time codes with which you can confirm transactions if you do not have access to your mobile phone. Print out the password sheet and carry it with you.

You don't always need to confirm transfers in Yandex.Money. As soon as you make 1 - 2 identical transfers, subsequent ones can already be carried out without SMS. For example, I have been transferring money to a Sberbank card for a long time without password confirmation.

From personal experience, I can say that transfers to a Sberbank card through Yandex.Money come almost instantly. After 2 - 3 minutes, I receive a notification that my account has been replenished.

Yandex.Map

Yandex has released its own plastic card for cashless payments in real life. Card balance = the amount of money in your account. The card supports contactless payment, looks stylish and practical to use. Price - 200 rubles for 3 years of use.

You can order Yandex.Map directly from your wallet's personal account. It will come by mail within 5 - 7 days after the wallet has been identified.

The Yandex.Money bank card has its drawback - it is not profitable to withdraw cash. For each payment, you pay 3% and at least 100 rubles for withdrawal. That is, the minimum need to withdraw 3,000 rubles, and then the commission will be 3%. But in comparison with the same Sberbank, where there is no withdrawal commission at all, this is inconvenient.

In all other respects, Yandex.Map is a great addition to an e-wallet. With the help of an electronic card, you can make purchases on the Internet, and with the help of plastic you can pay in stores. A large number of promotions when paying for goods using the Yandex payment system allows you to receive additional bonuses.

Quite frankly, this is just an addition to your e-wallet. Few bonuses, cashback and lack of% on the balance make such a card uncompetitive.

How to create an electronic Qiwi wallet

Qiwi is an international payment system that is very popular in Russia. Before the active use of Yandex.Money, it was the leading electronic payment system. Many terminals in every city of the Russian Federation, convenient functionality and simple registration make this wallet very convenient for almost any user.

There are three ways to create a Qiwi wallet:

1. Using the terminal.
2. On the official site.
3. According to the message from the SMS.

The easiest option is to register on the site.

To open a Qiwi e-wallet, you need:

1. Go to the official website Qiwi.com.
2. Click on the "Create wallet" button.
3. Enter your phone number.
4. Enter the code that will come to your phone.
5. Come up with a complex password.

The registration procedure using the terminal is the same, only you need to go to the Qiwi terminal, choose to create a wallet and also go through the registration procedure.

1. Anonymous- access immediately after opening the Qiwi e-wallet. The balance on the balance sheet is 15,000 rubles. Payments - up to 40,000 rubles per month. Cash withdrawal via card - up to 5,000 rubles per day and 20,000 rubles per month.
2. Main... The balance on the balance is 60,000 rubles per month. Transfers and payments - up to 200,000 rubles per month. Cash withdrawal from the card - 5,000 rubles per day and 40,000 rubles per month.
3. Maximum... Up to 600,000 rubles on the wallet balance. The maximum amount of one transaction is 500,000 rubles. Withdrawals from cards - 100,000 rubles per day and 200,000 rubles per month.

To get the main wallet, you will need to go through simplified identification. You need to send the following data to the company:

• Full name of the owner of the wallet.
• Passport data.
• Date of birth.
• SNILS and INN.

After going through the simplified identification procedure, you get the main wallet and the ability to transfer funds to bank cards.

For foreign citizens, you will need to personally go through the basic identification procedure. You need to have a passport of a foreign citizen and its notarized translated copy.

To go through full registration, it is enough to come to the Euroset salon with a passport. The staff will help you fill in all the data and get the maximum confirmation.

There are several ways to top up your Qiwi wallet:

• Through the Qiwi payment terminal (no commission from 500 rubles, up to 500 - 3%).
• Bank transaction.
• From the balance of another wallet.
• From mobile (commission from 7.5 to 12%).
• By bank card (no commission from 3,000 rubles).

You can transfer money from your wallet:

• By money transfer to the card.
• To another wallet.
• Receive cash through Qiwi cards.
• Receive cash via postal orders.

In order to transfer money from one account to another, only the sender has a wallet. The recipient will receive an SMS to the phone number about the receipt of money. To receive them, it is enough to create an electronic Qiwi wallet in a few clicks.

Security is also top notch. Internal protection on the site, which will not allow intruders to make money transfers, even after receiving a password. Confirmation of transactions is carried out via SMS. Sometimes the system can fail, about 1 time in several months, but problems are solved quickly, in a few hours.

Qiwi Map

Qiwi, by analogy with Yandex, issued their own plastic cards. But they have a lot more options. It even has its own installment card. The minimum option is 150 rubles for 2 years. The commission for withdrawal from ATMs is the same everywhere - 2% + 50 rubles. For withdrawing 1,000 rubles, you will pay 70 rubles.

There is even a dedicated name card for gamers with a nickname and unique game design.

By analogy with Yandex, Qiwi cards are just an addition to your account. They do not have any special advantages over bank plastic.

How to create an electronic wallet Webmoney

Webmoney is a global payment system. Until the recent scandal with the Central Banks, she was in one of the leading positions in Russia, but after that she began to actively lose clients due to failures in transfers to bank cards. Now it is not as popular as Yandex.Money or Qiwi.

Making a WebMoney wallet more difficult. You will need:

1. Go to the official website Webmoney.
2. Click on the "Register" button.
3. Fill in the phone number.
4. Confirm it.
5. Enter a huge amount of information about yourself (it is better to enter it correctly or there will be problems with identification in the future).
6. Confirm your mail by following the links.
7. Select currency and account.

Just opening a Webmoney e-wallet is not enough. To access transactions, you need to issue a certificate of authenticity. To do this, you need to send passport data and a scan of the passport itself. Verification usually takes 1 to 3 days. But if the scans or photos are of poor quality, you will have to repeat the submission.

You can replenish your Webmoney wallet:

• Cash.
• From a bank account.
• Electronic money.
• Through terminals.
• Direct money transfers.

You can withdraw money through Webmoney:

• Cash.
• Transfer to a bank card.
• Transfer to a bank account.
• Electronic money (link Qiwi or Yandex wallet).
• Direct money transfer.

Webmoney has a very convenient functionality: an exchange of internal loans. This is where users issue short-term loans to each other. It is very difficult to make money, but with a good wallet status, you can get a small loan.

It should be understood that you will have to pay much more, even in comparison with loans from MFOs. Do not use this functionality unless absolutely necessary.

Security in WebMoney is also at a high level. Attackers will not be able to gain access to your funds, even if they manage to hack your account. Confirmation of transactions via SMS is quite convenient.

An additional way of cashing out funds

It is not always possible to cash out funds that have been transferred to certain wallets. Sometimes money is needed right now, but there is no way to go through the confirmation procedure. For such cases, there are exchangers. These are companies that, for a commission, provide the opportunity to transfer funds from one payment system to another.

Exchangers charge a small fee for transfers. In order to choose a suitable exchanger, just go to the site bestchanges.org. This is a huge collection of all exchangers. You can choose "From" and "Where" you want to transfer money. Websites, commission and minimum transaction limits will tell you.

This is an up-to-date way of receiving money from e-wallets for residents of Ukraine. Ukrainians have many difficulties for transfers through the Webmoney and Yandex Money systems, since most of them have opened these wallets for settlements with customers in freelance.

I myself have used exchangers several times, and I can say that they work fairly honestly. They take a small commission and send money almost instantly.

Which e-wallet is better to choose

Now let's compare the main indicators of e-wallets, which are presented in the article. I will rate it on a five-point scale based on my personal experience and opinion:

• Convenience- how convenient the functionality is for a new user.
• Security- how secure is your money.
• Commissions- how much the service requires for its operations (the lower the number, the more the wallet will require).
• Capabilities- functionality that is available after you have registered an electronic wallet.

	Yandex	Kiwi	WebMoney
Convenience	5	5	3
Security	5	5	5
Commissions	4	5	5
Capabilities	5	4	5

Do not forget that Webmoney and Yandex wallets are practically inaccessible for residents of Ukraine. WebMoney is simply blocked on the territory of the state. And Yandex.Money is available, but in order to go through the confirmation procedure, you will have to go to the company's office in Kiev, Simferopol or Odessa.

In my opinion, the most convenient of all wallets is Yandex.Money. It is ideal for residents of the Russian Federation. Simple functionality, many opportunities, including for doing business. The only drawback is the fees for transfers to bank cards. Kiwi and WebMoney have a lower figure.

Summarizing. Yandex is the best wallet for those who want simplicity, convenience, opportunities and are ready to overpay slightly. If you want to save money, your option is the Qiwi e-wallet.

Hello dear readers!

In this article, we will look at the most popular e-wallets, evaluate their advantages and disadvantages, and, ultimately, 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 are becoming more and more accessible every day. And, especially, this applies to 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 almost the same transmission speed. Now we can make a money transfer in just a couple of clicks. And the funds will instantly reach the recipient.

Why do you need an electronic wallet

Agree, it is very convenient to make financial transactions through an online account or a mobile application of your bank. It's simple and saves us time.

It is even more convenient to work through electronic payment systems. There are a number of reasons for this.

Firstly, you can create an electronic wallet very quickly and easily... In most cases, it is much easier than opening a bank account / card. In addition, everything is done online and there is no need to visit the office.

Secondly, commissions of payment systems are lower than banking... After all, banks need to feed a huge staff of employees, maintain offices, and bear administrative costs. And for electronic payment systems, these costs are scanty.

Third, 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.

Now about the main advantage of e-wallets. There are a lot of services on the Internet where you can pay with e-currency, but not with bank currency. This is especially true for investments.

At the same time, most electronic payment systems are in no way inferior to bank accounts. That is, we can create a wallet, order a plastic card and pay for it in stores, just like with a card issued by a bank. The card will use the same funds as in the wallet.

Okay. But there are several electronic payment ones. They all have their own characteristics, their own tariffs. So which wallet should you choose?

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 already popular and are actually used everywhere.

First of all, I will list the systems themselves and give a brief description. And then let's move on to the comparison.

This is the Russian system. It is very widespread in Runet, it is convenient and profitable enough to operate. Ideal for those who make money on the Internet. But there are also disadvantages. The system still works only with rubles, and investment projects rarely connect it.

Updated. Now internal transfers via Yandex.Money work without commission. But only if you make a transfer via a mobile application.

A fairly young, but very convenient and quickly gaining popularity system. Allows you to work with dollars, euros and rubles. The main advantage of AdvCash is the absence of commission for internal transfers.

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, which take time.

Convenient wallet that allows you to work in dollars, rubles and euros. The system is popular and widespread. But, the rates are slightly higher than those of competitors.

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 and very expensive in terms of exchange / withdrawal of funds. So, I propose not to consider it further.

Perhaps the most popular online investment system. Funds can be stored in dollars, euros and bitcoins. PM combines high speed of payments, good security and low tariffs. It is believed that this system is the most confidential: no government agencies control it and cannot track payments.

This is a system that is used almost exclusively, but only 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.

This is a publicized misunderstanding. An expensive, complex and inconvenient system leaves only due to the fact that it was one of the first and still controls part of the market. It reminds me of the Sberbank of 2008-2012, to which people went not because of favorable conditions, but out of old memory. 🙂

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

Domestic transfers are cheapest in AdvCash and QIWI (no commission). Yandex.Money and Perfect Money don't have a high commission either. Also, it is beneficial to use bitcoins, but not for small amounts.

All systems allow you to issue a payment card. But, in my opinion, Yandex.Money and QIWI have the best conditions. Their obvious advantage is both the 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 3D Secure security system.

Cards from other systems are expensive, denominated in dollars, and inconvenient by themselves. They cannot pay without contact, and online purchases in some cases will be difficult.

If we still talk about a dollar card, then the AdvCash card is the cheapest and most convenient. Both virtual and conventional.

Cash out dollars is about the same everywhere, both in terms of the exchange rate 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.

By the way, a good cash withdrawal scheme has recently appeared for Yandex.Money. If you have a bank card and a Yandex card, then you can make a transfer from card to card. This operation will cost 1.5%. So, let's say we can transfer money from a Yandex card to a Sberbank / VTV / your bank card and withdraw it from an ATM without any commission.

You can withdraw cash from any system using one of the electronic exchangers. To do this, we simply change the money to 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 changing in an elementary way and with minimal commissions. Moreover, in many cases, the exchange occurs instantly.

Yandex.Money + AdvCash - my favorite combination of payment systems

The most secure systems are Perfect Money, Advanced Cash, Bitcoin (where you can generally track and check every operation) and WebMoney. But in WebMoney, security is implemented extremely inconveniently and unsuccessfully. In general, the safety of other systems is also high.

Since I started talking badly about WebMoney, here's another stone in their garden. All considered systems, 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. 🙂

Ultimately, each of the systems has its own advantages. Therefore, I recommend opening 2-3 wallets at the same time.

In my opinion, taking into account the peculiarities and areas of distribution, it is optimal to create a Yandex.Money and Advanced Cash wallet. When paired, they achieve most goals. At the same time, both are economical and easy to maintain. What systems do you use?

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!

24.03.2017 07.04.2017

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An electronic payment system is money transfers over the Internet. Unlike bank cards VISA or MASTER CARD, these transfers are made outside of bank control. To store this money, special identification cells are created - electronic wallets. In this article we will talk about what e-wallets are, how to create them, how to replenish and withdraw money, and what is their essence.

What is an Electronic Wallet

Currently, an electronic wallet is the tool with which you can live fully without having a regular wallet. The only difference is that the unit of calculation is not real paper, but electronic money, which is placed on the balance sheet of certain organizations - electronic money operators. Within such a structure, a wallet with a unique identifier is created for each client, in which funds will be stored - real money, only in electronic form, like a VISA card.

Accounts in electronic payment systems ( EPS) open in any currencies ( rubles, dollars, euros, etc.), your account may have separate accounts in different currencies, and the conversion between them will take place at the bank rate. In fact, this is the same money, but only valid on the Internet, where all their turnover takes place. They can be expressed in different currencies and can be successfully exchanged for real money.

Any payment system has its own commission for carrying out certain operations. Actually, this is their main income.

The essence of e-wallets

The global electronic payment system has a breadth and functionality akin to banking, which is the basis of the economy of any state. Now the entire Internet business and online commerce works only thanks to such a service. The most popular representatives of this trend are QIWI, WebMoney, Yandex.Money, Skrill (Moneybookers), PayPal and some others.

The essence of electronic wallets is that they allow not only paying for a product or service, but also making money, receiving money and transferring it. The system of all EPS works according to the scheme of input / output of funds, which allows you to perform various settlement operations and turn electronic funds into tangible ones.

• There is a huge number of those on the network who receive income from freelance activities, which are paid remotely in electronic form.
• Someone makes money by exchanging money, for example, you need to transfer funds from WebMoney to Yandex.Money.
• If you start a website and earn on advertising, then most likely the money will come to you on an electronic wallet, which you yourself indicate.

Even if you do not work on the Internet, you may need an electronic wallet when shopping, for example, you can buy guitar courses through the Yandex.Money system.

How and which e-wallet to choose

Before choosing an electronic wallet of one or another provider of currency electronic services, you need to familiarize yourself with their capabilities and advantages. Each payment system is characterized by the degree of ease of use, functionality, and scale of application.

For many users, the best e-wallet is one that is quickly and easily registered, and the functions of depositing / withdrawing funds are arranged in the most straightforward and accessible way.

What does prevalence mean?

Here we are talking about the number of Internet resources that accept for payment the currency of a specific EPS, as well as payment terminals that work with it, in general, the more popular the EPS, the more ubiquitous you can use it.

Well, functionality, this includes everything related to a set of tools for working with a wallet and additional options. These are primarily methods of depositing / withdrawing funds, the possible currency of an electronic wallet, the operation of security systems, an active support service, commission, etc.

To determine which e-wallet is best, consider how and where you want to use it. In some cases, it is better to create a wallet in several payment systems.

Moreover, no fees are charged for its creation and maintenance.

Why do you need an electronic wallet?

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How to create an electronic wallet

After the electronic system is selected, you can proceed to registering the wallet. This will require a scan of your passport and a few minutes of time.

Each electronic payment service provider has its own website, QIWI has https://qiwi.com, WebMoney - https://www.webmoney.ru, PayPal - https://www.paypal.com/ru, for Yandex.Money, this is https://money.yandex.ru, etc. Actually, these are the most popular payment systems in the post-Soviet space.

Following the link, you will be taken to the main page, where you have access to the item " check in" or " create wallet". To get an electronic wallet, you need to register an account by entering all the required information about yourself in the form. Here, depending on the EPS, you may need your full name, passport data, phone number, e-mail address - it is important to enter real information, valid mail and phone number, since they will receive codes to confirm transfers, and this is also your safety.

If all the fields are filled in correctly, then it remains to press the button " to create", After which the system will ask you to confirm the operation with the code from the message or activate the link sent to your e-mail. After the final confirmation of all the information, the account is activated, and the owner receives a unique number for his wallet.

Even if the wallet has already been created, it will be useful to once again familiarize yourself with the EPS tariffs. As we have already said, maintenance and creation of a payment account is a free and unlimited procedure, but money transfers come with a percentage or a fixed commission.

We have already decided how to start an electronic wallet, and now we will analyze how to use it. Let's consider the main functionality for depositing and withdrawing money and transfers.

How to top up an electronic wallet

If the steps to create an electronic wallet were needed only to receive a reward for working on the Internet, then this item can be skipped. Although in this case, such information will not be superfluous. So, after the e-wallet has been opened, you can replenish it. For this, the following options are provided:

• Top up e-wallet with cash... It is necessary to reach the nearest payment acceptance point or terminal where formal currency exchange for electronic money will be carried out and credited to the wallet account.
• Top up e-wallet with a payment card... You need to buy at the nearest sales point ( kiosks, offices of mobile operators, shops, etc.) the card of the required e-service provider and activate it in your account following the prompts. But the seller's commission is added to the face value of the card when buying. Therefore, this is not the cheapest way and, frankly, inconvenient.
• Deposit funds to an electronic wallet with a card or Bank transaction ... Here you need to use the card in the terminal that performs this function and deposit money. Although you can trust the work of Internet banking, such as Sberbank online, and make a transfer on this site. Also, right on the website of your EPS, you can replenish money from the card online, simply by following the links of the instructions. If you need a bank transfer, then in your personal account you can take the details for replenishing your electronic account.
• You can use the services of another payment system through special exchangers, for example, bestchange.ru.

Payment by e-wallets

After the replenishment of the electronic wallet is made, these funds can be used. Websites of various online stores accept payment with virtual banknotes. They pay for mobile communications, loans, utilities and other services. Most users use EPS instead of bank accounts, accepting transfers for services rendered or goods sold. For example, you sold a matryoshka doll to Canada, the buyer paid you via PayPal - you did not need to show him your details, name, surname, phone number ... At the same time, the Canadian did not have to show you his bank card details.

In general, such functions provide the popularity of these payment systems, because it provides tremendous opportunities for mutual settlements on the network without leaving home.

How to withdraw money from an electronic wallet

Withdrawal of money from electronic wallets can be made "at zero" or partially. To do this, you can use the following methods:

• Withdraw money to a bank card. In order for this card to be able to withdraw money from an electronic wallet instantly, in your personal account of your EPS you need to add it to your account. Often, to confirm the authenticity of the card, the system charges it 1 cent with a note to the transfer, in which it sends a confirmation code. You can find out this data in your bank or through your Internet banking account.
• Withdraw funds by bank transfer. This item is more complicated, but the most economical in terms of commission (about 1%). You need to create a payment order indicating all the required account details. The disadvantage is the speed of withdrawal, since the application is processed within three days, and the bank transfer itself can take up to 7 days.
• Use the services of electronic payment points or a terminal. For this operation, you need to get a password in your account in advance. The commission will be about 3-5%.
• You can cash out at the EPS office itself, especially this will not be a problem for residents of large cities where such offices are concentrated. For example, on the WebMoney website, you can find out the addresses of certified withdrawal points in all cities around the world.

Reviews of the best e-wallets

When the raison d'être of an electronic payment system has become clear, before creating an electronic wallet, it's time to consider the most popular and best representatives of this service sector.

QIWI e-wallet

One of the best e-wallets is QIWI EPS. This international electronic payment system has been operating since 2007. In 2008, the brand was approved, which continues to this day. In 2010, the payment system was named “ QIWI Wallet", Which was previously referred to as" Mobile wallet". And after the adoption of the agreement on global cooperation in 2012 with VISA, this EPS was transformed into Visa QIWI Wallet... This is how we know her now.

Its popularity is associated with the ability to use an electronic wallet on the phone by installing a mobile application, and the login will be your phone number.

So, today the qiwi electronic wallet is a unique resource for instant payments. Among its features and advantages are such as:

• Payment for the services of Internet and TV providers, mobile operators, fixed telephones, housing and communal services and various online services.
• Opening your own bank card VISA QIWI Wallet linked to the wallet.
• The ability to create a wallet in 4 currencies. By default, the wallet during registration will be in rubles, but then you can make it simultaneously in dollars, euros and Kazakhstani tenge.
• The commission for most monetary transactions is minimal (1.5-2%).

Registration in QIWI

To start using the services through the QIWI electronic wallet, you need to open the main page of the EPS, enter the phone number and click the button " create wallet". An SMS with a code will be sent to the specified phone. The phone number will be the login to enter your account.

Depositing money to a QIWI wallet

There are several ways to fund your account:

• using a bank card;
• through payment terminals, both our own and partners;
• at ATMs of most Russian banks;
• using internet banking ( Sberbank online service);
• by making a bank transfer by creating a payment order;
• walk to any communication salon ( Euroset, Svyaznoy, Megafon, MTS, etc.);
• through wallets of other e-service providers ( Yandex, WebMoney, etc.);
• use the services of money transfer systems ( Unistream, Contact)
• make a transfer from your phone number.

In most cases, there is no commission, except for input from a mobile phone ( YOTA has a maximum of 6%) or money transfer ( on average 2%).

Money withdrawal to QIWI wallet

• Transfer to a bank account or or Maestro. Commission 1.5 - to the account of the amount, but not less than 50 rubles, and 2% - to the card. The maximum amount for a transfer is 15 thousand rubles.
• Cash can be withdrawn through the money transfer systems Unistream, Privat Money, Contact, WesternUnion. The commission is also from 1.5 to 2%.
• Use the services of the Russian post. Commission 2.5% + 60 rubles.
• Issue a plastic Visa card linked to an account in the QIWI system. With its help, you can pay and withdraw money at any ATM that cooperates with VISA.

Electronic wallet WebMoney

The best electronic payment system WebMoney was created in 1998, and the winking ant became its logo. To date, over 28 million wallets are registered in this system. It is known that a third of all electronic payment accounts in Russia use this particular system. Therefore, a Russian-speaking technical support service has been organized around the clock by phone +74957272007 or by mail [email protected].

A webmoney electronic wallet can be opened in several currencies, and each of them has its own currency - an identifier, the wallet number begins with a Latin letter, which means the account currency, for example, dollar wallets start with the letter Z, and ruble wallets with the letter R. On the Internet, these accounts are designated as WMZ, WMR and so on, which means WebMoney in dollars, rubles ...

• 1 WMR = 1 ruble
• 1 WMZ = 1 USD
• 1 WME = 1 euro
• 1 WMU = 1 hryvnia

Such identification allows for settlement and exchange transactions. In addition, the system provides the ability to work simultaneously with several currencies.

The main advantages due to which the WebMoney electronic wallet is so popular are:

• simple initial registration, allowing you to work with many services at once;
• huge functionality - the ability to work only from a browser, from a phone, from a computer;
• WebMoney issues its own bank cards;
• the opportunity to issue a loan to an electronic wallet!
• Complex systems for protecting passwords and personal data - keys in the form of files, connecting E-NUM security systems and other methods.

How to withdraw money from WebMoney

You can withdraw funds from the wallet in several ways:

• Withdraw money to a bank card. The commission will be 1%. But the conclusion can be made only of the currency in which the card is issued.
• Through the money transfer system ( Gold crown, Unistream, Contact, Leader, etc.). Withdrawals can only be made from ruble wallets on the territory of the Russian Federation. Commission 0.5-3%.
• With the help of exchange offices - offices in your city.
• Payment cards can be opened Cards... Maestro and MasterCard Standard operate on the territory of the Russian Federation. Commission 0.6 + 0.8%.

How to top up a WebMoney wallet

• by credit card (commission 2-2.5%);
• by mail (2.2%);
• through payment terminals (1%);
• from a mobile phone (6-12%);
• payment cards (0%);
• through ATMs (1-3%);
• in bank branches (1-6%);
• in exchange offices of webmoney (0-4%).

Yandex.Money electronic wallet

The Yandex.Money electronic payment system was created on the basis of the well-known Russian search engine in 2002. A very convenient and simple service for paying for services, exchanging and transferring virtual money. Like other systems, this one has a mobile application and a working website.

Yandex.Money was created to make instant payments between its users. And all users are residents of the Russian Federation, so the Russian ruble has become the only wallet currency. But on the other hand, the system does not take commissions for replenishing the account and paying for the services of the Internet resources cooperating with it. And when making a transfer, the commission will be only 0.5%. For users who prefer only rubles, this is the most profitable wallet.

Registration in Yandex.Money

To register, you need to have a Yandex account and click the "open wallet" button. Next, enter your username and password, specify the phone number and code that will come in the message. The wallet will automatically be anonymous. This means that no more than 15 thousand rubles can be stored on it. and make a payment no more than this amount. To get a broader functionality, you need to get a personalized status - you need to provide full passport data.

Depositing money from Yandex

You can deposit money to your wallet account in one of the following ways:

• using the payment terminal;
• via internet banking;
• make a payment through an ATM of a bank in cash or by card;
• prepaid cards (Yandex.Money or universal);
• make a money transfer through one of the systems Contact, Unistream, Anelic, etc .;
• make a payment from another user's wallet.

Withdrawing money from Yandex

You can use the withdrawal function in several ways:

• Make a transfer to a card of any bank. Here, a commission of 3% + 15 rubles is provided, and the money is received within 3 working days.
• Use one of the money transfer systems (Contact, Unistream, Western Union, etc.).
• Issue a Yandex.Money payment card, which will allow you to pay and withdraw cash at any ATM that has MasterCard support and a PayPass reader. The card is issued free of charge for a period of 3 years, and for the entire period the service will cost 149 rubles.
• Transfer to a bank account according to the details. Payment takes 3 business days.
• There is a function of expedited transfers through partner banks: Alfa Bank, Tinkoff, Promsvyazbank, Otkritie Bank. The transaction is completed within 5 minutes.

PayPal e-wallet

Is the largest electronic payment system. It began its work in 1998 thanks to its creators Peter Ciel and Max Levchin. In 2002, it became the property of eBay, by the way, thanks to which it gained massive popularity at the very beginning. It was first created as a payment system for purchases on the Internet. And now more than 4 billion transactions pass through it a year in more than 200 countries using 25 different currencies.

The main functionality of the wallet:

• making purchases on the Internet and paying for services;
• binding of Visa, MasterCard, American Express, Discover cards, incl. Russian banks;
• money transfer;
• deposit / withdrawal of money.

check in

You will be offered a choice of 2 account options, personal or corporate. The former is suitable for online purchases and payments, while the latter is suitable for running an internet business. If a personal account is selected, then information about yourself is filled in and the button "I agree and open an account" is pressed, if a corporate account is selected, then you will need to provide information about your company. The login and number of your wallet will be your email address.

• Deposit of funds carried out through bank cards or exchange offices.
• Output to MasterCard, Visa, Discover, American Express.

Instead of output

Summing up, we can say that for Russian users the most comfortable there will be a system Yandex.Money and WebMoney... The first is due to its simplicity and low fees, and the second is due to its prevalence and security. QIWI will also be on the leaderboard due to the variety of deposit and withdrawal methods. Well, it is suitable for vigorous activities at international venues.

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Electronic money is currently a very popular way to pay for goods, works or services ordered through. Every Russian who plans to make purchases on the World Wide Web must first open an electronic wallet in his name. To do this, he will have to choose the most suitable payment system and register in it.

Each modern payment system has both a lot of advantages and a number of disadvantages. Because of this, many Internet users face a rather difficult choice. To make such an important decision, people should consider what the main tasks and goals are set for a particular electronic payment system.

Attention! Today, electronic currency is widely used in virtual retail outlets. Internet users do not need to leave the walls of their home in order to pay for the purchase. It should be noted that, despite the simplicity and speed of transferring electronic money, the owner of the wallet will need to pay a commission.

What payment systems are popular among Russians

Currently, various payment systems operate on the territory of the Russian Federation. Among the local population are very popular:

• Rapida;
• QIWI;
• Yandex money;
• WebMoney.

By registering in one of these systems, individuals have the opportunity to pay for purchases from anywhere in the world.

Attention! The most popular payment systems are WebMoney and Yandex Money. Almost every citizen of the Russian Federation has such electronic wallets. Using these financial instruments, individuals were able not only to buy goods on the Internet, but also to pay for utilities, state duties, etc.

How to register an electronic wallet

To start making virtual payments to individuals, you must first register with the selected payment system. To do this, you will have to enter the following information into the form:

• personal data;
• bank card number (it will be tied to a specific wallet);
• passport data;
• email address (personal);
• identification tax number;
• the address that is indicated in the civil passport
• number, etc.

Attention! When entering personal information, each person should be careful not to make mistakes. Even one wrong letter or number can lead to the fact that the payment transaction will be refused.

How to make payments using e-wallets

To start making virtual payments, Russian citizens need to put on e-wallets an amount equivalent to the upcoming transfers. This can be done both at an ATM and at any terminal. Holders of banking plastic, who actively use Internet banking, can replenish their electronic wallet through a non-cash payment. Also, Federal legislation does not prohibit transferring money to virtual wallets from mobile phones.

Webmoney is the most popular electronic payment system

To make one electronic payment, you must pay the system a commission, which is calculated as a percentage of the transfer amount. Despite this, this method of payment for goods, works or services does not lose its relevance, but, on the contrary, is gaining an increasing number of adherents. Today, many Russian citizens work remotely. Performing a certain amount of work, they receive wages, which are transferred to electronic wallets.

Attention! The most popular payment system through which freelancers get their salaries is WebMoney. For many years it has been on the domestic financial market and during this time it has been able to recommend itself only from the good side.

What difficulties can arise when withdrawing electronic money?

If people use virtual wallets to receive money for work performed, services provided or goods sold, then sooner or later they will have to face the problem of their withdrawal. In order to be able to spend money earned on the Internet, Russian citizens need to perform a number of simple steps:

1. In the process of registering a virtual wallet, attach a bank card to it (this can be done later).
2. Make a scan of bank plastic, all completed pages of the civil passport and identification code. They need to be sent for authorization.
3. After receiving the certificate, the owners of electronic wallets will be able to start withdrawing virtual currency from them.

Attention! If an electronic wallet, for example, WebMoney, receives money in the currency of another state, its owner can convert it or withdraw it in the same form to the corresponding bank card.

Each owner of a virtual wallet can withdraw funds from it either to a bank card or to a mobile phone. If necessary, holders of electronic currency can pay for both utilities and other payments. Some Russian citizens use virtual payment systems to accumulate funds. With their help, you can engage in private investment by lending to members of the same virtual network.

If you study the WebMoney payment system, then you can highlight several positive points in it:

• the ability to open e-wallets in the currencies of different countries;
• acceptable commissions;
• the ability to conduct payment transactions while in any country;
• the ability to instantly withdraw funds;
• transparent system of virtual payments;
• electronic money can be transferred both to other holders of virtual wallets and to users of payment systems - competitors, etc.

How to choose an electronic payment system

Many Russian citizens plan to issue an electronic wallet, which one is better for them to choose can be suggested by the reviews left on the thematic sites. The ideal option would be to study commercial information posted on the official websites of such financial companies. It should be noted that some payment systems, in order to attract new customers, systematically reduce the amount of commission.

Before launching payment applications on their desktop, users of personal computers must install powerful ones on them. In the process of registering virtual wallets, they must come up with passwords that contain both English letters and numbers. By taking all security measures whenever possible, Russian citizens will be able to provide reliable protection for their savings.

Attention! Each e-wallet owner should not share his password with anyone. Otherwise, attackers, or dishonest friends, can take advantage of credulity and withdraw all virtual currency.

How to open a virtual wallet on Yandex Money?

To register a virtual wallet in this payment system, an individual needs to perform a number of actions:

1. Go to this address https://money.yandex.ru/index.xml.
2. Select the "open wallet" option in the menu that appears.
3. Going to the next section of the service, a Russian citizen needs to answer all the questions asked by the project moderators.
4. Choose a password for your virtual wallet. The more complicated it is, the more reliable electronic money can be protected. As a rule, it consists of a large number of characters and numbers (from 6 to 20 characters).
5. After that, the user's phone should receive an individual password, the numbers of which will need to be entered into the appropriate window.
6. If the owner of the virtual wallet has no questions or complaints about the payment system, he confirms his consent to participate by clicking on the "ready" button.

Attention! Owners of virtual wallets of this payment system, since 2012, have the opportunity to make non-cash payments, both in the Russian Federation and in the countries of near and far abroad. This money can be withdrawn to bank cards, or can be used for virtual payments.

When planning to open an electronic wallet, individuals should study all the available offers of virtual payment systems. In some cases, it will be advisable to issue two or more wallets at once, due to which effective work on the Internet will be organized. To minimize their costs, Russian citizens should carefully study all the proposals and choose the payment system in which either there is no commission at all, or it is reduced to a minimum.

Which electronic wallet to choose - video

Let's figure out, within the limits of computer literacy, what an electronic wallet is, how to purchase it and what it is used for.

The twenty-first century has long since arrived. New technologies have replaced old ones, computers work instead of people, and in some wallets there is no ordinary money, but there are plastic cards.

Now, not only in commercial, but also in budgetary organizations, salaries are paid on a plastic card.

Those who do not have time for shopping or are simply too lazy to get up from a computer monitor can carry out monetary transactions without leaving home. For this we need an electronic wallet.

If you use an e-commerce vocabulary, you get a very difficult definition:

an electronic wallet (electronic wallet) is a smart card, a microchip on which your account is electronically stored. Well, if it's simpler, it's virtual money.

E-wallet features

This is a very useful thing that makes it possible, without leaving work or home, to buy goods, pay for services and transfer money around the world. Electronic money can be:

• translated via the Internet:

• used to pay for utilities:

• products in online stores:

• mobile communication services:

• internet services:

• there is an opportunity to pay off loans (when you take someone else's money, you give it back - yours):

• etc.

All transactions are carried out anonymously. Nowadays, when people have very little free time, e-wallets are becoming more and more popular.

It doesn't take much skill and effort to purchase an e-wallet.

To get started, visit the website of the payment system you have chosen and go through the registration procedure. It doesn't always work out the first time. In some cases it is necessary to download additional software, it does not take too long and is completely free.

After downloading, installing and activating the desired program on your computer, go to the entry. Here you must indicate all the necessary information about the user, that is, about you.

And finally, the most important step for further use and successful operation of the card is to create a password. Do not use the date of birth as a password, or too light combinations of numbers, or a combination of favorite numbers, such as 12345, this will not work.

Your password should be easy for you, but at the same time difficult for computer fraudsters and robots to find. After confirming the password, the system will register you and display an identification number. Remember this as "Our Father", but it is better to make a copy and save it somewhere in a secluded corner of the computer or outside the computer. If you accidentally lose it, then you also lose money.

Now that the registration procedure has been completed successfully, fund your account and use your new e-wallet for its intended purpose.

How to top up an e-wallet?

The easiest way to top up your e-wallet is to buy a card. Some payment systems deliver cards home. But there are other options, such as a bank or postal order, through ATMs or terminals.

I talk about how to replenish an electronic wallet through terminals in the article "".

Of course, using an electronic wallet is very convenient, but, as elsewhere, certain security rules must be followed. Note: The account holder is responsible for the safety of the money. Of course, such a wallet on the tram will not be lost, but problems arise anyway.

When replacing your computer's operating system, be sure to save your passwords as well. This data cannot be restored by representatives of the payment system. And don't trust your passwords to anyone, not even your friends. Otherwise, you risk not only being left without money, but also without friends.

An electronic wallet is not only a place to store money, but also the ability to manage financial resources quickly, anywhere and anytime.

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