Features of foreign payment systems. The best payment systems in the world Foreign payment systems on the Internet
The main difficulties began with the entry into the market of competitors: the Carte Blanche system (which was originally a private card of the Hilton Hotel Corporation, and was later sold to the Fest National City Bank) and the American Express card. Around the same time, the British Hotel and Restaurant Association began issuing the BHR credit card, which, while not a bank card, was still universal. This system teamed up with its Swedish competitor Rikskort to found Eurocard International * (Eurocard Internationa!), Headquartered in Sweden. The competition of American card associations continues to this day both in the United States and in Europe.
Currently, there are several types of international and Russian payment systems that are actually issuers and distributors of plastic bank cards.
International payment systems include the following: Eurocard (Euro Card), Visa (Visa),
Mastercard, Europay, Cirrus / Maestro, Diners Club, Union Card.
The first Soviet issuer of international cards was Vnesheconombank, which issued Eurocard gold cards in 1989. The issue of these plastic cards was very limited, and they were intended for a narrow circle of people. The first Russian commercial bank to issue its own Visa card in 1991 was Kredobank. But despite the fact that Kredobank joined the Eurocard / Mastercard association, he did not start issuing these cards along with Visa, explaining this by the ban on the part of the Eurocard / Mastercard association (later Evropeis),
Since 1993, Evrope has seriously changed its tactics in Russia. The company has stepped up the admission of Russian banks to the association; an office in Moscow was opened to work with them. The Association of Russian Members "Evrope" was created, which is currently helping to effectively solve general and technical issues for banks.
Expanding its cooperation with Mastercard, Eurocard entered into an agreement with the companies Cirrus and Maestro (Cirrus / Maestro), which made it possible to expand the range of services offered to customers by using cards for withdrawing cash from ATMs.
Until today, a significant part of the commercial network for accepting cards of international payment systems (except for American Express) is served by the United Credit Card Company (KOKK), for which the English abbreviation UCS (United Card Service) is often used.
In 1999-2000. the Russian association "Visa" is created. A notable event was the creation of the Diners Club Russia company, the Russian founder and later the settlement bank of which was Imperial Bank (now it is Slavyansky Bank),
Some banks took the path of signing agency agreements with foreign financial institutions, i.e. started offering their customers plastic cards issued by foreign banks. There are still doubts about the legality of such activities, primarily from the point of view of the internal rules of the "Visa" and "Europe" itself. This practice continues to this day.
Over the years since the first international card issued by a Russian bank appeared, the market has changed dramatically: the number of issued cards is approaching a million. Russia has become a full-fledged region in international card payment systems. Dozens of local, regional and interregional payment systems operate on the territory of Russia, not to mention the leading international ones. The number of cardholders of Russian payment systems is estimated at many hundreds of thousands. Tens of thousands of points of acceptance of cards throughout the country work with bank cards of national and international payment systems. The Visa Association, into which the first Russian bank (Sberbank of the Russian Federation) was admitted in 1988, currently cooperates with 45 Russian banks. Assessing the situation on the Russian domestic cards market, one can note a steady increase in the number of plastic cards and the balance of funds stored on them.
Currently, two groups of payment systems operate simultaneously on the Russian "plastic" market: foreign (international) and domestic. Moreover, Russian payment systems such as STB Kart, Union Card, Volga or Zolotaya Korona, due to the cheapness of their tariffs, are ahead of a number of international companies in terms of the number of cards issued in Russia.
Plastic cards as a type of payment have existed in international practice for a long time and are widely used. Their first users were foreign corporations (trading companies). The first card that was used for payments in restaurants and retail outlets was the Diners Club, which appeared in the United States in the late 1940s. She had contracts with 285 merchants and 35,000 cardholders who were charged $ 3 per year for using the card. Into the distance
The system then continued to develop both geographically and through a commercial network. Initially, commercial and service companies did not accept payment plastic cards very well, because, firstly, it undermined the position of their own branded cards, and secondly, because of the need to pay a commission to com pans and emits.
The main difficulties began with the entry into the market of competitors: the Carte Blanche system (which was originally a private card of the Hilton Hotel Corporation, and was later sold to the Fest National City Bank) and the American Express card. Around the same time, the British Hotel and Restaurant Association began issuing the BHR credit card, which, while not a bank card, was still universal. This system, teamed up with its Swedish competitor Rikskort, to establish Eurocard International * (Eurocard Internationa!) With headquarters in Sweden. The competition of American card associations continues to this day both in the USA and in Europe.
Currently, there are several types of international and Russian payment systems that are actually issuers and distributors of plastic bank cards.
International payment systems include the following; Eurocard,
Visa,
Mastercard (Master Card),
European (Europay),
Cirrus / Maestro,
Diners Club,
Union card (Union Card).
The first Soviet issuer of international cards was Vnesheconombank, which issued Eurocard gold cards in 1989. The issue of these plastic cards was very limited, and they were intended for a narrow circle of lindens. The first Russian commercial bank to issue its own Visa card in 1991 was Kredobank. But despite the fact that Kredobank joined the Eurocard / Mastercard association, he did not start issuing these cards along with Visa, explaining this by a ban on the part of the Eurocard / Mastercard association (later Evropeis),
Since 1993, Evrope has seriously changed its tactics in Russia, the Company has intensified the admission of Russian banks to the association; to work with them, an office was opened in Moscow, the Association of Russian members "Evrope" was created, which is currently helping to effectively solve general and technical issues for banks.
Expanding its cooperation with Mastercard, Eurocard entered into an agreement with the companies Cirrus and Maestro (Cirrus / Maestro), which made it possible to expand the range of services offered to customers by using cards for withdrawing cash from ATMs.
Until today, a significant part of the commercial network for accepting cards of international payment systems (except for American Express) is served by the United Credit Card Company (KOKK), for which the English abbreviation UCS (United Card Service) is often used.
In 1999-2000. the Russian association "Visa" is created. A notable event was the creation of the Diners Club Russia company, the Russian founder, and later the settlement bank of which became the Imperial Bank (now it is the Slavyansky Bank),
Some banks took the path of signing agency agreements with foreign financial institutions, i.e. started offering their customers plastic cards issued by foreign banks. There are still doubts about the legality of such activities, primarily from the point of view of the internal rules of the "Visa" and "Europe" itself. This practice continues to this day.
Over the years since the first international card issued by a Russian bank appeared, the market has changed dramatically: the number of issued cards is approaching a million. Russia has become a full-fledged region in international card payment systems. Dozens of local, regional and interregional payment systems operate on the territory of Russia, not to mention the leading international ones. The number of cardholders of Russian payment systems is estimated at many hundreds of thousands. Tens of thousands of points of acceptance of cards throughout the country work with bank cards of national and international payment systems. The Visa Association, into which the first Russian bank (Sberbank of the Russian Federation) was admitted in 1988, currently cooperates with 45 Russian banks. Assessing the situation on the Russian domestic cards market, one can note a steady increase in the number of plastic cards and the balance of funds stored on them.
Currently, two groups of payment systems operate simultaneously on the Russian "plastic" market: foreign (international) and domestic. Moreover, Russian payment systems such as STB Kart, Union Card, Volga or Zolotaya Korona, due to the cheapness of their tariffs, are ahead of a number of international companies in terms of the number of cards issued in Russia.
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Foreign. There are three of them. In fact, there are many more of them, but let's look at the main and most famous ones. The first is libertyreserve.com, an American payment system, which was originally written under the pyramids, which have successfully disappeared over time, but the system remained and lives on. closed by US authorities for pyramid activity and money laundering... The entire interface of the payment is in English, so when registering, use a translator, fill in all the data in English letters, taking into account transliteration. Registration takes place in two stages, where at the second stage your wallet number and password will be sent to your mailbox. Be sure to write down all the passwords, pin codes and master code given to you and do not lose it - the technical support in the system is only formal, to get an answer from it is like making a fish talk. I recommend writing your control phrase in Russian - you will see it yourself when you log into your account. Attention! If you do not see your welcome phrase when you log in, or it is cut off, or changed in some other way - do not continue login, otherwise you are very much at risk of giving all your login details (and with them your money) to scammers! They often use the fact that the payment site is in English, make fake sites that look exactly like the original and so collect data and money from gullible citizens. The system also never sends out emails asking you to log into your account for anything - remember this! Payments in the system are instant and irreversible! The commission (it is small - 0.5%) for the transfer is paid by the recipient of the money. Currency - dollar, euro and the equivalent of a gram of gold. It looks like a good payment, but for some reason it does not inspire confidence.
The second American payment system payza (former alertpay). Registration is also in English, so also fill in the data in English letters with transliteration. Your email is your login to the system. The system has the ability to link a plastic card to an account for withdrawing money. A big plus, and probably one that no other system has, is that payza protects its users from fraudsters, which many people use when playing with HYIPs. If you are "thrown" - write a letter to support (in English!) Indicating the amount, date, object of transfer and wait for the return of your funds. If the object is a fraud, then there is a high probability of getting your money back. The system works with the CIS countries.
The third paypal system is also American. Twin brother of payza, so there is not much to talk about. The only difference of the system is that there is a Russian-language interface of the site, but do not let this mislead you - when registering, you need to enter the data only in English letters! The principle of operation is the same as that of payza, with the difference that the payment system is more closed and “doesn’t like” (already likes) CIS citizens.
Electronic payment systems are gaining popularity every year. With their help, money transfers are made between their accounts, as well as transfers of funds to other users. All payments are made through them, which is extremely convenient and saves a lot of time. In addition to these services, foreign payment systems are very often used in Russia, which have a number of differences and peculiarities in comparison with the usual Russian systems.
In Russia, there are a large number of sites and services that are used by payment systems for individuals. All of them perform the same function - they transfer funds from the client's account to the account of the seller of goods or services. But each payment system has its own nuances and subtleties. Therefore, each user has the right to choose the most suitable money transfer service.
Foreign payment systems are used on foreign websites. In the event that the client decides to place an order from this site, he will be offered a choice of several methods of payment for his order. The choice is always up to the user. To make the right choice, gently familiarize yourself with all the features of the proposed payment resources.
The most popular foreign payment system
Doing business via the Internet online provides for cash settlement using a payment system. The most widespread foreign payment system in Russia is PayPal. This company has been around for almost two decades. During this time, it has successfully established itself as a reliable service for transferring funds via the Internet and has successfully consolidated its leading position.
During the existence of the service, millions of transactions and payments have been made. PayPal is used in 200 countries around the world, and in the United States, payment through this system is second only to direct payment using a bank card. This service works with 24 foreign currencies and has over 150 million registered users in Russia, the United States, Europe and Asia.
Over time, PayPal began to have competitors offering better terms for providing funds transfer services. The main reasons why 1/3 of customers began to use other payment systems are:
- Not applicable. The customer may, for certain reasons, refuse to use this payment system, therefore, for safety reasons, it is better to have another service for making payments.
- Blocking... There are often cases where PayPal blocks user accounts. In this case, the payment will fail. This can be a big problem if there is a need to urgently pay for the goods. You should always have a fallback with a different payment system.
- Safety of funds... PayPal is convenient and secure for small payments. If the amount is significant, then it is better to use a more reliable payment system.
- Benefit... PayPal fees are not the lowest. Therefore, the desire to save money encourages customers to use other services for transferring money payments.
In the days when eBay and PayPal were one entity, other payment systems could not compete with it. After the separation of the two giants, other payment services have an opportunity to declare themselves. Money transfer companies have been created, collaborating with many online services.
Stripe - payment system in Russia
Americans are considered the developers of the payment system in question. It is gaining more and more popularity every year, since it is a reliable system for transferring payments to more than 140 countries of the world in 20 different currencies. The service is constantly being improved, expanding not only the geography, but also its functionality.
Stripe has agreements to process and process payments from Alipay, Alibaba, and Apple Pay. The company introduced an additional service Connect for users, which is designed to process payments for small firms and companies. On Twitter and Facebook, it is possible to purchase goods from sponsored links through the Stripe Connect payment system.
Stripe is a payment system in Russia that allows you to accept credit and debit bank cards. It was originally designed as a developer-oriented system. But later it was integrated into various projects and sites to pay for ordered goods or services.
When using this payment system, a commission of 2.9% of the payment amount is charged. In addition, 30 cents are debited for the transaction to transfer funds.
Important! The most popular PayPal deducts the same fee, but does not provide free services for using a credit card, chargebacks or international payments, unlike Stripe.
You do not need an account to work with this payment system. This frees the user from having to go through the registration procedure and significantly saves time. In order to use the resource, it is enough to have a valid credit or debit card.
Skrill payment system
Leading European websites and online stores use the Skrill payment system for transactions and purchases. It is much more difficult to find such sites in the USA and Asian countries. A complete list of partners of this payment system can be found on its official website.
Interesting! On the official website of the payment system, you can find a list of stores that use it for money transfers, while sorting by language. This will allow us to filter out services that are not of interest to a given user.
In order to use the Skrill payment system, you do not need to install any programs or applications on your computer. You just need to open a browser and go to the website of the payment system, which contains the entire interface. The site is Russified, which is very convenient for users. Even a beginner can easily figure out all the intricacies of using the Skrill system.
Registering your account in this payment system is a simple process that will take the user a few minutes. You just need to enter all the personal data that the system will ask for during registration.
The Skrill payment system provides an opportunity to make transfers to those users who are not yet registered in this system. The money is sent to the client's e-mail, the system automatically creates an account for him. To receive money, he will only need to go through a simple registration procedure.
The Skrill payment system has one limitation regarding users - age. The client must be of legal age at the time of taking out the loan. In the event that during registration they are given inaccurate data, including age, then this account will not go through the registration procedure and will be blocked.
The security service carefully checks all registered users, so you should provide your own personal data. This will help avoid negative consequences and problems with the security service.
Conclusion
In Russia, about ten foreign payment systems for individuals are used. Various sites and services online offer their customers to use the payment systems with which they cooperate. Most often, the user is offered a choice of several foreign payment systems.
For ten years, the PayPal system was ranked first and had no competitors. Over time, payment systems began to appear that offered customers the most favorable and attractive conditions.
The main thing that users pay attention to when choosing a service for transferring funds is security. Such a system will reliably protect transfers, and the client can be sure that his personal data will be classified, and the funds will reach the addressee. In any case, the choice of the payment system remains with the client.
January 21, 2017 No comments
When choosing a foreign electronic payment system, you must have a good knowledge of English. The most popular services are Payoneer, PayPal, AlertPay. The main disadvantage of working with foreign systems is the complicated process of withdrawing funds.
Withdrawing income from foreign systems is quite difficult due to the lack of payment services used in our country. In Western countries, the most popular is the world famous electronic payment system PayPal, which is part of the eBay auction.
Foreign payment systems
The main task of any payment system is to make payments for goods and services purchased through the global network. First of all, you must have a personal PayPal account to receive your earnings.
The main difficulty lies in the absence of a procedure for withdrawing funds from PayPal in Russia. A bank card must be linked to your account, but it is used to replenish your account or make debit transactions.
Of course, Russian craftsmen have found a way out. There are sites in Runet that use not entirely clean methods for withdrawing funds from PayPal to one of the Russian electronic systems, for example, to Webmoney.
The amount of interest charged for such operations varies from 9 to 20, depending on the specific service. But it should be borne in mind that their activities are completely illegal and you are exposing your money to a rather serious risk.
A way out of this situation may be to open an account in a bank of the country in which the withdrawal of funds is possible.
But to make large monetary transactions, you must be a citizen of the specified country; for stateless users, the withdrawal limit of funds is set at 2,500 euros per calendar year.
At the same time, among the foreign electronic payment systems there are some, using which you can easily withdraw your income to Russian banks. Such a system is AlertPay, which works with MasterCard and VisaClassic cards.
However, it should be borne in mind that the account opened with the bank must be in dollars.
Another foreign service that allows you to withdraw money in Russia is Payoneer. This system uses a virtual account to which you can link your Payoneer MasterCard. This option is ideal for all users working on American exchanges.
If you know how to work well, then you can make money anywhere, but it is much easier to do it at home. Of course, Y has the right to make your own choice ...