I have repeatedly talked about how important it is for a remote employee to have an electronic wallet (and what else you need to start working on the Internet, you can read). I myself have three wallets and today I will share with you information about which electronic wallet is better, and what features each has.
Consider:
Which electronic wallet is better: the main electronic payment systems
webmoney
It was the first wallet I got online. There were reasons for this - only with a Webmoney wallet, you can work on one very popular freelance exchange. So I didn’t even choose what to start then. 🙂
What is good. Webmoney has the ability to link multiple wallets in different currencies. Of course, the most popular ones are ruble and dollar (relevant for those who work with foreign customers).
You can receive transfers to your Webmoney account from other users of this system, replenish your account using a bank card (with a commission) or bank terminals, and also exchange currency (transfer money from your currency wallets to ruble wallets).
You can withdraw money from your account using a transfer (Russian Post, Zolotaya Korona, etc.) and to a card of any bank. But it is most convenient to link your wallet to the bank card that you use most often.
You can pay for various services without a commission: mobile communications, utilities, the Internet, fines, etc. There is also interesting opportunity- take out a loan.
What do not like. Long and complicated registration procedure. To make the most of the opportunities, you need to get a certificate (pass identification). To do this, you will have to contact the bank and make a transfer (100 rubles is enough) to your wallet account.
A commission is charged for transfers within the system. In addition, when you pay for purchases on other sites through a Webmoney wallet, you need to enter a verification code that comes to your phone number for 1.5 rubles.
It's also not a very user-friendly interface.
Yandex money
The most popular e-wallet among Russian users is Yandex.Money.
Registration is not very difficult, but, as in Webmoney, I recommend confirming your identity (for this you need to provide passport data - a scan of your passport).
The system is clear and easy to use.
You can replenish your account from other wallets (not only Yandex.Money), from a bank card, from a mobile balance, in cash (in Euroset, by bank transfer, at Sberbank terminals).
Top up account no commission You can only pay in cash or with a credit card. Other transfers are subject to a fee.
Most of the payments I receive on Yandex.Money, so I issued a card to pay from the account not only on the Internet, but also offline in stores. The cost of the card is 300 rubles, it is issued for 4 years.
The system works only with rubles.
QIWI Wallet
Getting a QIWI Wallet is as easy as shelling pears! The wallet is tied to a phone number, which means that this is your wallet number. Very convenient and easy to remember!
Topping up QIWI Wallet is also convenient - QIWI payment terminals are installed in almost every supermarket across the country.
In the same way, you can pay for any services without a commission. Just like Yadnex.Money, a card is issued. The card is issued for 2 years, will come to you by mail. The cost of the card is 150 rubles.
It should also be noted that all 3 payment systems have applications for mobile phone. WebMoney Applications and QIWI are available for all popular operating systems, Yandex.Money — only for iOS and Android.
On the whole, I do not see the need to single out best online wallet. Each of them has its pros and cons, which you will notice only when working with them directly.
But you can take your time with issuing cards until you are sure which wallet will receive most of the money.
What wallets do you have? And which one do you use the most?
Sincerely, Kazakova Ekaterina
Hello, dear readers of the site. Today we will deal with the question - which electronic wallet is better to choose for storing and withdrawing money.
With the development of the global network, a new sphere in the economy has emerged. This area is called e-commerce. It includes financial transactions made using the Internet.
Electronic payment systems are an indispensable attribute for the work of a person in the network. Freelancers, Internet entrepreneurs and even ordinary users use e-wallets to transfer, store and withdraw money to a bank card.
Online wallet convenient to use. After all, it is much easier to pay for purchases and orders on the Internet with an electronic wallet, and not with a card. In addition, some projects for online earnings do not transfer money to the card. In such cases, funds can only be withdrawn using an electronic payment system.
There are many such systems on the web. And it can be difficult to decide which e-wallet is better to choose.
In the article we will analyze some of the most famous payment systems. Consider their features, the size of the commission fee and other characteristics. Through comparison and analysis, we will identify the pros and cons.
Wallet #1.
Is an the most famous payment system on the territory of the Russian Federation and the CIS countries. Founded in 1998. According to some reports, almost 35% of Runet users use .
The system has international status. WebMoney allows you to carry out financial transactions with various currencies: rubles, dollars, hryvnias, bitcoins, etc.
For each currency on the service, you need to create a wallet. For example, for rubles - this is a wallet WMR, for dollars - WMZ.
The registration process for the service is not complicated. After its completion, automatically issued alias passport . Such a certificate limits the possibilities for transactions. The user is only allowed to transfer funds from one wallet to another within the system.
To be able to withdraw money from wallets to a bank card, you need to issue formal certificate . The registration procedure consists in confirming your identity by uploading a scan of your passport to the WebMoney website.
Peculiarities:
- for transferring money to another user on his WebMoney Wallet a commission of 0.8% is charged;
- the commission for transferring money to a bank card is 2.5% plus 40 rubles;
- for confirmation of a transaction by SMS, a fee of 1.5 rubles (free of charge through the E-NUM application);
- high user safety.
Wallet #2.
is an electronic payment service from the Yandex holding. Founded in 2002. As a result of the research, it was revealed that about 40% of Runet users use Yandex.Money to make financial transactions at least once a year.
Yandex.Money payment system, unlike WebMoney does not work with foreign currencies. Transactions are carried out only in rubles.
To register for the service, it is enough to have email from Yandex. New members are automatically assigned anonymous identifier . It allows you to move funds within the system, pay for purchases (no more than 15,000 rubles at a time) in online stores and other services.
personal identifier issued to participants who have confirmed their identity on the passport. It removes the restriction on the transfer of funds to the card and on the amount intended for online purchases.
To open absolutely all the opportunities that the Yandex.Money service provides, you need to get identified status . You can go through identification online using the option " Mobile bank", provided that there is a Sberbank card. Or offline in Euroset and Svyaznoy stores upon presentation of a passport.
Peculiarities:
- commission for transactions within the system: 0.5%;
- for a transfer to a bank card, the service takes 3% plus a fixed 45 rubles;
- when withdrawing money from an ATM from a Yandex.Money card, the commission is 3% plus 15 rubles;
- bonus cashback.
For Russian citizens, the Yandex.Money payment system is one of the best. It is simple and convenient to use.
Wallet #3. Qiwi
Qiwi is a Russian payment system. Founded in 2007. Inferior in popularity to two other domestic payment grants WebMoney and Yandex.Money.
The main difference between Qiwi and other electronic payment services is that Qiwi wallet linked to mobile phone number. In addition, system participants do not need to confirm their identity by obtaining certificates and statuses.
The service works with the following currencies: rubles, dollars, euros, tenge. It is possible to order a special Qiwi card. It is useful for paying for purchases in everyday life.
Peculiarities:
- commission for withdrawing funds to the card: 2% plus 50 rubles;
- withdrawal up to 500,000 rubles;
- bonus cashback.
Wallet #4.
Is an the largest payment system in the world.
PayPal was developed in America in 1998.
This electronic payment system is more suitable for foreign citizens.
For a Russian person, it is still a curiosity. Not many of our compatriots use a PayPal wallet.
To make transfers from a PayPal wallet to a bank card, you must link your bank account to it. This can be done in personal account on the company's website. The transfer of funds occurs within a few days.
Peculiarities:
- high level of security;
- when paying for purchases in online stores, no commission is charged;
- internal transfers are not subject to commission;
- transactions within one country are carried out without commission.
PayPal wallet is useful for those users who make international transfers, order goods in foreign online stores.
Wallet #5.
Relatively young service of electronic payments. The system was launched in 2012. payer- international system, transfers to almost anywhere in the world (more than 200 countries).
Payer allows you to make transactions without identification.
This option was especially liked by the owners of online investment pyramids disguised as economic games and financial projects.
In HYIPs, as you know, it is not the participants who earn, but the creator of the pyramid himself. He cannot use the WebMoney wallet or Yandex. Money, as the identity of the fraudster will quickly be revealed. Therefore, he uses a Payeer wallet.
Peculiarities:
- for transfers within the system, the commission is 1%;
- for withdrawing money to a card, the fee is 4% plus 45 rubles.
Payeer is a wallet for those who make money on the Internet on various sites.
Purse number 6.
The system announced itself in the e-commerce market in 2007. The main office of the company is located in Austria. The company is legally registered in Panama.
The payment is used by the owners of financial pyramids and HYIP projects to receive money.
Perfect Money official website visually doesn't look good.
Developers should pay more attention to this point, since the design of the site in the style of zero scares off the lion's share of potential customers.
The Perfect Money e-wallet should be chosen among many others only when it is really necessary. After all, there are payment systems much more convenient and safer.
Wallet number 7.
Advcash is a young, but rapidly growing payment system. The project was especially liked by people who make money on the Internet. And this is no coincidence, because the service offers very favorable conditions.
One of them is that internal transfers take place absolutely is free. And this means that users can make financial transactions with money without commission using third-party exchangers.
AdvCash invites members to complete identity verification. But, this may not be done. Indeed, in anonymous mode, the limits are quite acceptable.
Conclusion
Let's sum up our conversation about payment systems. So, which e-wallet is better to choose? The answer to this question should be found by each of us independently, having analyzed the services of electronic payments.
Each payment system has its pros and cons.
For some users, a high level of reliability and security is important. Therefore, they choose time-tested electronic wallets from WebMoney. For others, anonymity is important and they use the Payeer e-wallet.
It's good to have variety and choice. The main payment systems I work with are WebMoney and Yandex.Money.
WebMoney is a classic. I appreciate the system for practicality, security, multi-currency. Yandex.Money is a service that is perfect for ruble transactions.
That's all. Share in the comments what wallets you use.
All payment systems offer their customers approximately the same list of features. These are transfers between users of the system itself, payment for goods and services, replenishment of your electronic wallet with money from the real world and vice versa.
However, each Internet service has its own pronounced features and functional features. How to choose payment system right for you? When making this decision, several key criteria must be taken into account. However, we note right away: no one will stop you from acquiring two, three or even a dozen electronic wallets to perform specific tasks, because their registration is free, and the use of accounts is unlimited.
SCOPE OF APPLICATION
Criterion number one - for what purposes do you need an electronic wallet.
The operation of Russian electronic payment systems is usually limited to the territory of Russia and the CIS countries, and only the ruble is used as a currency. They allow you to pay from any mobile device or computer services of domestic operators cellular communication, television and the Internet, various receipts (including utilities and fines), household purchases, travel and entertainment in all regions of the country.
Carefully study what goods and services you can pay for using the payment system. To find the desired store or service, you can open the catalog on the system's website or use the search. The widest network of partners in Russia can boast such popular systems as Visa QIWI Wallet, Yandex.Money and WebMoney.
If your main goal is to make purchases in foreign online stores, then in this case you can’t do without registering with. This service is the most popular and, perhaps, the most convenient way sending and receiving payments for users of online stores and auctions, including eBay. More than 90% of online sellers worldwide accept payment for their goods only through Paypal.
REFILL
The electronic wallet of all payment systems, without exception, can be replenished using the Internet bank by transferring money from your current account or card. However, what if you are used to dealing with "live" money?
There are a number of alternative options for depositing cash, including transfer and payment systems (CONTACT, Unistream, Russian Post); self-service terminals; bank branches; communication salons.
In order to determine what options for replenishing electronic accounts exist near your place of residence, be sure to look at the payment system website for the items “find the nearest replenishment point”
WITHDRAWAL
You can transfer your electronic money to your bank account at any time or receive it in cash. However, it should be borne in mind that in the second case, you will definitely have to identify your identity - according to the law, you can withdraw electronic money in real only to the account of the person in whose name the account is registered in this payment system.
ANONYMITY
An important aspect when creating an e-wallet is whether you want to become an anonymous user or a personal user. All over the world, authorities are trying in various ways to stimulate the identification of owners electronic money and transactions with them (principle "know your customer"). Therefore, in Russia, payment systems limit the limits for anonymous wallets.
Anonymous wallet can open a common person for the purpose of using it for personal payments not related to business. According to the legislation of the Russian Federation, the maximum amount of a one-time money transfer is limited to 15,000 rubles (or the equivalent in another currency), and the entire turnover should not exceed 40,000 during the month. In case of violation of the limits, the wallet may be blocked.
Cons of an anonymous wallet
- Low trust from other users of the system (people are afraid to transfer money, because the anonymous person may turn out to be a scammer)
- The security service has the right to close access to the wallet at any time - before the presentation of documents
- Fewer ways to withdraw funds - you cannot cash them out, get them at any ATMs in the world, or, for example, transfer them to any foreign bank accounts.
- Exchange restrictions - while your account is anonymous, you can transfer no more than 15,000 rubles at a time through exchange offices, 60,000 rubles per day and 100,000 rubles per month.
A personalized electronic wallet is different in that when you open it, you are required to draw up and provide the payment system with a number of documents specified in the User Agreement. (for example, copies of the passport). For such users, the maximum transaction limit is much higher and amounts to 100,000 rubles (or the equivalent in another currency).
pros
- High level of trust from other users
- All ways to withdraw money are available (at any ATM, sending them to any account in a foreign bank).
- Fewer exchange restrictions - identified users can transfer 300,000 rubles per day through exchange offices.
- Note that anonymous wallets are widespread only in Russian electronic systems. Western services such as PayPal or Skrill require mandatory account holder identification, which can be done through credit card verification.
COMMISSION COST
Online purchases are always free of charge. You can also avoid commission when replenishing electronic wallets. Therefore, when choosing a payment system, you need to pay attention to two points - the cost of transfers between users and the withdrawal of funds (transferring electronic money to a bank account / card or cashing it out)
Translations
Visa QIWI Wallet, positioning itself as the number 1 electronic wallet in Russia, makes transfers between users of the system for free. RBC Money offers the same service, but the transaction limit is limited to 100,000 rubles per month.
Yandex.Money offers to send a transfer from your account or from a bank card linked to it for 0.5% of the amount, for VISA cards or MasterCard issued by any bank in the world, the fixed rate is 49 rubles. WebMoney takes a commission of 0.8% for each transfer of funds between the participants of the system,
Good day, dear readers!
Purchases and payments via the Internet, as well as making money online are increasingly becoming part of our lives, and therefore today it is difficult to meet an active Internet user without such a convenient means of remote payment.
What do you think is the most reliable e-wallet? To date, there are a great many of them, however, in order not to be left with nothing, it is worth approaching the choice with special attention.
Previously, the choice for a Russian user was much inferior to a foreign one, but today most operators operate in Russia, so it’s no wonder if their abundance at first glance dazzles.
Overview of options
One of the most common in Runet is Yandex Money. To the benefits this service can be attributed:
- Convenience of registration, the wallet is tied to your mailbox on Yandex.
- Maximum transparency of use: reports on all transactions come to .
- Reminders for recurring payments and other convenient options.
A possible disadvantage is that the only possible currency is the ruble. A commission is charged for transactions.
The most popular and widespread in the world is the WebMoney system, which has existed for over 15 years. It has a lot of advantages:
- The ability to work with different currencies, namely, to have wallets not only in rubles, but also in dollars and euros.
- Extremely high level of security. It can be said that this system uses the best authentication method: in order to use all the possibilities, you must not only enter your full data, but also attach a copy of your passport.
- An extensive certification system. If you do not need all the features of the system, you will not need a complex identification procedure.
The disadvantage of the system is a logical continuation of its advantages: the lost account password will be very difficult to recover. Well, transaction fees can be significant.
Another common payment system is QIWI, the advantages of which are:
- Ease of registration - the wallet is tied to a mobile phone
- Ample opportunities for withdrawing money and replenishing an account: in addition to the website and mobile application, you can use numerous terminals
- Minimum transaction fee
The disadvantage of the system is obvious to anyone who prefers not to give their mobile phone number to unfamiliar people - it is he who needs to be called in order to transfer money to you. The payment unit of the system is only the ruble.
If you often shop online in the United States, in particular on eBay or Aliexpress, then you should get a PayPal account - one of the largest in the world. In Russia, it is not yet so popular. The main characteristics of the system:
- Ability to work with different currencies
- You need to link a bank card or account to your account
Those who need a payment system for business, for example, to accept payments in an online store, can consider Sprypay, reviews of which indicate the convenience of its use for these purposes. Its advantages include:
- Convenience and speed of registration, which is very important if your store is already working and you need to accept payment right now
- Ability to work not only with rubles, but also with dollars and euros
- Convenient interface
The disadvantage can be called small delays in accepting payments, but technical support will help to quickly solve the problems that have arisen. You can learn more about the system at http://sprypay.ru
Can be used as z payment, which allows you to greatly expand its capabilities:
- Registration is quick and just a few clicks away.
- There are ready-made modules to add to
- Allows you to use the most various ways payments: from bank cards and electronic money to postal transfers and payments through terminals. The client himself chooses a convenient payment method
- No commission is charged for transactions within the system
The disadvantages include the fact that the commission for withdrawing funds can be slightly higher than other systems.
When answering the question about which wallet I personally consider the best, I proceed primarily from considerations of reliability and security. The leader in these indicators is undoubtedly WebMoney, which provides optimal protection for accounts.
The fact that this system is one of the most common in Runet confirms that these criteria are important not only for me.
I hope that, armed with this information, you can easily choose a safe and easy-to-use e-wallet for yourself. Moreover, it will not be difficult to find an option that meets your needs with such a choice.
Therefore, friends, do not miss interesting news, read the heading "", subscribe to updates. Good luck with your financial transactions and thanks for stopping by! Bye Bye.
Sincerely, Roman Chueshov
Read: 135 times
In recent years, electronic money and payment systems have begun to gain rapid popularity, but many Russians still continue to use cash as their main payment instrument. Meanwhile, among those who are not ready for progress, there is still a large proportion of those who simply have not yet fully understood how much easier the use of virtual money makes life. What is an e-wallet and what are this moment well-established electronic payment systems operate in Russia, this article.
Time does not stand still. With the advent of the Internet, people have been able to use world wide web", not only to receive necessary information, communicate and perform many other useful operations, but also pay for purchases and services. Now, in order to transfer money to someone, it is not at all necessary to go to a financial institution and humbly wait in line at the approach to a bank employee, now you can transfer your hard-earned money to someone using your electronic wallet, just sitting at home.
What is an electronic wallet
An electronic wallet is computer program, which allows the user to store electronic money and use it to make cashless payments on the Internet. An electronic wallet is essentially an analogue of a bank account.
Today, an electronic wallet is an ideal payment instrument for those who spend money on the Internet, making online purchases, and for those who earn money in it, being a freelancer (copywriter, translator, designer, programmer). With the help of such a wallet, you can make various kinds of calculations using virtual money, which can then be easily and simply turned into real tangible funds and withdrawn either to a bank account or to a plastic card.
Before installing an electronic wallet, you must first select a payment system. They differ from each other on a number of grounds, including, for example, such as: the ability of an electronic wallet to contain one type of electronic currency or several, the ability to automatically accept payment for goods, and others.
At the same time, each payment system offers its own set of options for replenishing the wallet and withdrawing money from it. For example, you can replenish your wallet, depending on the capabilities of the payment system, either
- by purchasing a special prepaid card;
- translating cash to a wallet from a mobile phone account;
- using mobile Internet banking;
- through an ATM;
- by making a postal or bank money transfer;
- using a payment terminal.
You also need to remember that a commission is provided for transferring money using an electronic wallet, and it is better to clarify the tariff for its implementation before choosing a payment system.
Meanwhile, unlike a bank card, you can use an electronic wallet for free.
Summing up, depending on how it is more convenient for you to replenish your electronic “assistant”, how to withdraw funds from it and a number of other factors, you should understand which electronic payment system will be more convenient for you.
Popular payment systems
There are many payment systems that allow you to create an electronic wallet. In Russia and most CIS countries, the following payment services are widely used: Yandex.Money, WebMoney and QIWI.
Yandex. Money
Yandex. Money is an electronic payment system from the Russian search engine of the same name, which was created specifically for Russians and was launched in 2002. It is a very convenient and easy to use service. You can receive, send and exchange electronic money with the help of your e-wallet.
When working with an electronic wallet from Yandex, you can use the web interface of the site and mobile app. You can replenish your wallet by all the methods listed above (in payment terminals, bank branches, offices mobile communications and so on), you can withdraw money
- by transferring them to a free Yandex.Money plastic card (you can withdraw funds to it for settlements in ordinary stores or withdrawals through ATMs within a few minutes, however, almost all transactions are carried out with a commission, the amount of which depends on the amount of the transaction;
- by transferring them to another bank card or account;
- by sending them somewhere through the money transfer system.
The only disadvantage of a wallet from a Russian search engine is that it can only be opened in Russian currency.
WebMoney
Perhaps the most popular system among those who prefer to make money on the Internet. Exists since 1998 and is international.
Unlike other payment services, WebMoney works with virtual rather than real monetary units that correspond to real currencies (for example, WMZ - US dollar, WMR - Russian ruble).
This payment system allows
- transfer money to any bank account, withdraw it to payment cards or receive it in cash;
- unlike Yandex.Money, work with several currencies at once, for which a separate electronic wallet is provided with the ability to exchange between them.
Also, the use of WebMoney has a number of advantages, including
- simple identification procedure: to pass it, you just need to send a scanned copy or just a photo of your passport without visiting the office;
- the possibility of obtaining a whole set additional features, including debt and credit services;
- the possibility of obtaining several types of certificates, which allow you to gradually increase your capabilities in the payment system.
In the international payment system QIWI, which appeared in 2007, you can create an electronic wallet QIWI Wallet. The main feature of this wallet is that you can work with it not only using the Internet, mobile phone, but also payment terminals, great amount which are installed in Russia.
As soon as you decide to register your QIWI e-wallet, you will need to bind your mobile phone number to it. It is this “feature” of the payment service that makes it possible to significantly simplify the process of financial management. In addition, QIWI has a number of other advantages, among which
- free creation of a wallet in four currencies at once (ruble, euro, dollar, Kazakhstani tenge);
- the ability to pay for a variety of services;
- the ability to order the issuance of a card that will be tied to your wallet (compare with the same opportunity from the Yandex.Money service;
- minimum commission for any monetary transactions (about 2%).
In addition, you can top up your QIWI e-wallet using any of the common methods: and bank card, and money transfer, and, of course, through the terminal and others.
Thus, you see that the answer to the question: which payment system to choose, as you see, depends entirely on your preferences and how you plan to use your e-wallet. So, for example, if you permanently live in Russia, then you can open a wallet in any of the indicated services - you will not have any problems with replenishing it, making payments, withdrawing funds. If you make money on the Internet, are a freelancer and often make online purchases, then it may be more convenient for you to use WebMoney.
Choose the most favorable conditions for yourself and share in the comments which wallet turned out to be the most convenient for you.
