Which electronic wallet is better to choose for withdrawal. What are the types of e-wallets and which one is better to choose - useful tips and tricks. Single e-wallet

Due to the fact that for some time now, when registering in the WM system, WM Keeper Mini becomes the default method of managing WMIDs, many users confuse the concepts ‘Create WMID’ and ‘Create wallet’. Let's clarify this issue ...

Only after registering in the system, users immediately receive a WebMoney identifier (WMID), which will serve to identify a specific user in the system, but users still cannot carry out transactions in the WM system, since they do not yet have their own wallets for these purposes. So, having registered in the system, you immediately create for yourself only a WMID, and you have yet to create the purses you need for transactions in the WM system, because without them it is impossible to carry out transactions.

The system supports several types of title units stored on the corresponding electronic WebMoney wallets:

WMZ- the equivalent of US dollars (wallet type Z),
WMR- the equivalent of Russian rubles (purse type R),
WMU- the equivalent of the Ukrainian hryvnia (U-type purse),
WME- Euro equivalent (type E purse),
WMB- equivalent of Belarusian rubles (type B wallet),
WMG- gold equivalent (type G wallet),
WMC and WMD- WMZ equivalent for credit transactions on C- and D-purses (users with a passport from initial and higher can create).

In 2013, a new type of title units was introduced in the WebMoney system and, accordingly, a new type of electronic wallet:
Wmx- the equivalent of 0.001 Bitcoin (type X wallet).

You can create any WebMoney wallets for your needs, just advice right away - do not create unnecessary ones, you can no longer delete them!

In the Keeper Mini, wallets are created as follows - on the main tab in the Keeper, click the ‘Wallets’ tab:

A page with your wallets opens, there you click the ADD MORE link:

Your attention will be presented to the page for creating a wallet, on which you should select the required equivalent, for example, WMR - Russian rubles, study the agreement for using your wallet, be sure to agree with it if you have not changed your mind about using the WebMoney system by checking the appropriate box and clicking the CREATE button:

After successful completion of this operation, you will have a WMR-type wallet, which will immediately be displayed in the Keeper's Mini WALLETS tab. In the same way, you need to do it again with other wallets in order to create yourself the equivalents of WMZ, WMU, WME or any others that you think you will need for operations in the system. Only one wallet can be created in the MINI keeper different types! If you need more wallets of the same type, then you need to connect another method of managing wallets, for example, the Classic keeper.

For WM Keeper Classic, the process is similar, only it looks different:
go to the keeper on the tab WALLETS, there you click in the field with the right mouse button and in the menu that appears, select CREATE, a window opens and in it you choose which one WM wallet you want to create, and also enter a name for the future wallet, which can later be changed:

Or, immediately under the tabs, click the CREATE button and you will see the same window for creating a wallet:

You can also create several WebMoney purses of the same type, for example, a WMZ purse, but for different purposes. The main thing is that you yourself do not get confused in them. To do this, any WebMoney wallet can be renamed for your convenience. WMZ wallet is the most popular in the system, so you just need to create it - almost all services and shops work through a WMZ wallet, as one of the options.

Operations with WebMoney wallets.

To replenish WebMoney purses with title units such as WMR and WMU through terminals, which are now huge for your convenience, you need to authorize these purses on the site. We immediately note that WMR wallets, created after May 2009, you do not need to authorize, this already happens automatically when creating a wallet, and WMZ purse cannot be replenished through terminals!

Also, immediately study the requirements and limits of the Guarantors for certificates and keepers of various types, so that later there will be no unpleasant situations when working with the system!

There are 3 ways to send money from your keeper:

1. Direct payment from wallet to wallet, for example, from your wallet to our… oh sorry - another wallet. To do this, you need to first find out the number of another wallet. Next, right-click on the desired wallet in the keeper, select the ‘Transfer WM’ item in the menu that opens, select ‘To WebMoney wallet’ and fill in the window that appears ...

It is worth noting that for the safety of your transfers, there is a safety net in the system - transfer with a trade protection code.

The protection code in the WebMoney system is used quite often, so I will inform you that there are even 2 types of transfers with a protection code - by time and by code.

At the first translations, if you are afraid of something, I advise you not to be lazy and use this option.

Also, for the safety of transactions in the WM system, there is the Escrow service, which acts as a trusted party between sellers and buyers and is integrated directly into the keeper, so you can insure any transfer of funds through pledges:

2. The second method is implemented as a function in electronic stores - (interfaces for automated receipt of funds). You select a product or service on some website in an electronic store, and click PAY, then one by one you perform the actions that are offered to you on the monitor screen, but not stupidly pressing all the offered buttons in a row, but after reading and understanding what you are doing ... Of course, the keeper must first be activated.

In the process, you can also check some data, for example, his certificate or reviews about the Seller on his page in the Arbitration, so that you do not receive it so that you paid for the service, and then looked in the reviews that 50 WM users have already written claims that the service is of poor quality or not at all.

3. The third way is to pay a bill sent to you from someone. You can immediately click the PAY button and the money will be transferred after entering the captcha, or you can postpone this invoice and pay later, if you see fit.

Here you need to be especially careful, because some scammers or beggars can send invoices from their keeper to anyone, for this they only need to know the correspondent's WMID, so I advise you to carefully study the invoices that come to you before clicking the payment button!

Transactions in the WebMoney system are carried out between wallets of the same type, i.e. you cannot send title units, for example, WMZ to a WMU-type wallet, but you can only, for example, WMR => WMR or WME => WME. To convert WM title units into the currency you need, there are various exchange services, for example, one of the reliable and well-proven ones -

About nonsense when dealing with money.

The Internet is simply full of crooks and scammers of various breeds, I think that many are well aware of this and I did not say anything new. But each of us, sometimes, let's be honest here, at least once, fell for various tricks of swindlers, maybe in personal correspondence, and maybe on the websites of scammers (newcomers can do a lot of stupid things due to inexperience), as a result of which, he simply parted with money , acquired by hard work.

Therefore, you should NEVER pay to ‘magic wallets’, someone you don’t know, or someone from whom you CANNOT get an invoice for payment. Also, you shouldn't pay for WebMoney passports for Yandex.Money in order to work as an ‘WebMoney operator’, and you ought NOT to make money fortunes in a day in ‘profitable exchangers’ of electronic currencies, even using exchange rate monitoring services. All this, to put it mildly, from the evil one. Remember that swindlers, in a desire for easy money, sometimes work wonders and their invention is limitless, therefore, before making any transfer of your money in a keeper (especially an imposed transfer), first analyze the situation, or, as they say, ask the 'elders comrades'.

If, nevertheless, you still have unanswered questions, then feel free to ask them by clicking on the link in the left panel of the site. Any question will be answered by experienced users, many of whom are registered consultants of the system.

Online wallet Is a system that allows you to store cash v in electronic format and carry out any payment transactions using such a wallet.

In general, the concept of an electronic wallet is just starting to gain popularity.

Types of e-wallets

Nowadays, there are quite a few such electronic wallets, all of them are in great demand.

WebMoney

This online wallet was created in the late 90s. The ant is the symbol of this system. With it, you can make both payment transactions and transfers to current accounts or bank cards.

When transferring money to bank cards or a current account, a commission is charged, which will depend on the amount you transfer.

In order for the WebMoney wallet to be constantly with you, special applications have been created both for a mobile device and a computer. There is an option not to install applications, but simply go to the site and enter your username and password.

In order to start working through webmoney, you need to get a passport. To do this, you need to upload scans of your passport and enter your personal data. Operations can be confirmed both via SMS and captchas, or by question-and-answer method.

WebMoney is currently the leader in popularity in Russia. In general, this system is registered in London, but the certification center is located in Russia. But in Germany, this system is banned.

Yandex money

Yandex Money appeared in the early 2000s. With the help of the web interface, this system became possible to work in 2005. Its downside is the fact that it does not work with foreign currency, only rubles. However, these rubles can be transferred anywhere in the world. A plus is the fact that the commission for many transactions is not charged at all.

To withdraw money from such a wallet, you can link it to your bank card or make a separate Yandex Money card. It is free to manufacture. When using this system for the first time, you must also identify yourself.

We can say that this wallet is adapted specifically to work in Russian Federation so not everyone uses it.

On this moment the main shareholder of this system is Sberbank of Russia.

Visa

Such a wallet can be easily replenished through terminals, of which there are a sufficient number in any city. This service is popular in Russia, primarily due to the very simple registration, the popularity of the brand of this wallet, the absence of commissions for internal transfers and the ability to receive a card linked to an electronic wallet.

But there is a huge disadvantage of this system - a commission is charged on payments for mobile services. Another disadvantage is the low security of such a wallet.

Qiwi

The advantages of this system is a rather simplified registration: just indicate your mobile phone, after which you will receive a verification password. You can replenish the balance of such a wallet without a commission, and all payments and transfers are carried out very quickly.

As in the Yandex Money system, you can order plastic card and pay her when making purchases, or simply withdraw money from ATMs. The validity period of such a card is one year.

You can link this wallet with the webmoney system and transfer funds from one wallet to another.

In this case, you should remember about the commission that is charged when using the webmoney system.

PayPal

PayPal is the largest payment system worldwide and the most widely used. It was created in the late 90s. In Russia, it is not as popular as in other countries of the world. Such a system must be tied to your bank card. To do this, you provide the details of your account, within a few days you will receive 2 transfers in the region of 10 kopecks. After that, you will finally link your bank account with PayPal.

If you are actively shopping abroad, you definitely cannot do without this payment system. Until recently, Russians did not have the opportunity to use this system, but then they first made it possible to pay for purchases, and then replenish and withdraw funds from this card.

The withdrawal limit in Russia is $ 500. The creation of an account is free, and the commission is charged not from the sender, but from the recipient of the funds, which is very in a convenient way when paying for purchases via the Internet.

Liqpay.com

Liqpay.com has been operating since 2008. It is most popular in Ukraine. The account number in this system will be your number mobile phone... Operations are confirmed via SMS messages.

You can work with any currency in Liqpay. With it, you can make a variety of payment transactions. You can withdraw funds from your account to a card or in cash through ATMs.

Rapida online

This system is not popular. Most often it is used corporate clients... It works on the basis of Google.

Perfekt Money

Most often it is used for any investment projects, either in financial pyramids... Payments can be made in foreign currency and a gold equivalent.

Okpay

This system is positioned as a global one. Payments are made with different currencies. It is possible to get a card. The plus is the fact that if you attract other people to it, much more opportunities open up for you.

Payeer

The system is very easy to use, it makes it easy to transfer funds from one wallet to another.

RBK Money

RBK Money - appeared in Ukraine in the early 2000s.

Liberty reserve

This wallet belongs to Costa Rica. For registration, you can specify false information about yourself, which is very often used by scammers. Money can be transferred anywhere in the world. The system is very well protected. Works with two currencies: euro and dollar.

E-gold

This system works with metals like gold, silver, platinum, etc. The main advantage is that it does not depend on exchange rates. different countries... But so far there are a number of problems in the use of E-gold that are in the process of being finalized.

Single e-wallet

This wallet allows you to pay for services online. You can use such a wallet both from a mobile device and through a personal computer or tablet. To register, it is enough to indicate your phone number, to which you will receive an SMS with your wallet number and password to it. Many payments through this system are carried out without charging a commission. You can withdraw money from your account through any post office.

Beeline e-wallet

The electronic wallet was created for making micropayments, no transaction fee is charged, the system works in conjunction with Alfa-Bank. It is possible to transfer funds to bank card or to a Webmoney wallet.

Electronic wallets common in the Republic of Belarus

It should be said right away that the Republic of Belarus refused to accept the electronic version of funds for a long time. They came into use only at the beginning of 2013.

We can say that at present there are about ten electronic systems in Belarus.

• Of course, in the first place, as in the whole world, is the payment system Webmoney.
• The next system can be called Belqi... This system is very young and operates on the basis of the well-known QIWI system. All operations are carried out in the same way.
• Wallet one... This is the youngest system operating in the Republic of Belarus. You can connect via a mobile phone or a PC. The balance is replenished both through terminals and through InterPayBank. The commission for payments through this system is either minimal or not charged at all. You can also withdraw money from your account through a bank or transfer it to a card.
• EasyPay... Before using it, you also need to go through the registration procedure. Payment commission is charged at a rate of 2%.
• iPay... A very easy to use payment system, however, the commission can be charged from 0% to 4%, depending on the purpose of the payment.
• Berlio... Designed to make payments for fuel both in the Republic of Belarus and around the world.
• There are also systems such as Prepaid cards... They are used as standard cards, but they are still classified as electronic wallets.

Electronic wallets in Ukraine

• As elsewhere, the most popular is the payment system Webmoney.
• Yandex money are also used quite actively, despite the fact that this system is focused on the Russian ruble. This system is used when paying for goods purchased in ruble terms. The commission is charged at the rate of 0.5%.
• RBK Money... You can replenish the balance of such a wallet with the most different ways however ATMs are only available in Russia. The commission is charged from 0.3% to 0.5%.
• Ukr money... This purely Ukrainian system was created quite recently. She actively cooperates with PrivatBank, which allows users of such a system to carry out all settlements through this bank... You can use your account from a PC. Accounts are opened for you in rubles, hryvnias, dollars and euros.
• Internet. Money... Through this system, you can make any purchases and pay for them. To use it, just install the application or go through the official website from any PC. The commission can be up to 0.5%, or not charged at all.
• E-gold... As already mentioned, it is used all over the world. It is good because it maintains complete confidentiality to the payer, which is why it is very popular among scammers. At the expense itself, you will need to pay 1% every year.
• Also in Ukraine, the system is popular PayPal, which we have already discussed above.

Electronic wallets in Kazakhstan

• The most used e-wallet in Kazakhstan is QIWI... He appeared in this territory in 2011. It earned its popularity due to simplified registration, the ability to replenish the balance from numerous ATMs, payments from this system are accepted by almost any online store and, of course, a reduced commission.
• Webmoney... In Kazakhstan, it is considered one of the safest systems.
• Yandex. Money... As we said above, it is guided by the Russian currency, so it is often used for payments in rubles.
• And, of course, PayPal It is also actively used in Kazakhstan, especially when making payments in America's online stores.

It is worth noting that there are still a huge number of various electronic wallets. For example, in Moscow, the Troika system is popular, with which you can pay for travel on public transport. It was launched in 2013.

In the Moscow region, such a system is called Strelka, and in St. Petersburg - plantain. The same cards are available in many cities of Russia with a developed transport system. Such cards allow you to reduce to a minimum the queues for paying for transport, and allows you to create unified system payment for transport services. Such a card can be obtained directly at the box office or kiosks. You can also replenish such a card through cash desks.

The funds are kept in the account for five years after the last use of the card. You can put no more than 3000 rubles on such a card.

In conclusion, I would like to say that before starting an electronic wallet, choose the currency with which you plan to make payments and only after that choose a convenient wallet, it is important not to forget about the safety of such payments.

Just some 10 years ago, the concept electronic money was little known to the inhabitants of Russia. On the territory of the country, it fully worked, perhaps, a payment WebMoney system Yes, Yandex.Money was gradually entering the market. Today, there are so many payment systems available to Russians that it's time to get confused. Novice network users often have a question about which e-wallet is better to choose. Our article will help you figure it out.

Things to consider when choosing a wallet

First of all, when choosing where to start an electronic wallet, you should decide on the purpose of this event. Roughly speaking, there are three goals:

• receive money in a wallet;
• spend money from your wallet;
• receive and spend money.

Let's start with the second point. Many people start an email account. payment system to make purchases in online stores, but not to reveal your bank card details. If virtual card from your bank, for some reason, is inconvenient for you, this is a completely reasonable way out. In this case, you should evaluate the properties of each of the wallets, such as:

• the prevalence of the payment system;
• the ability to pay in your usual online stores;
• ways to replenish the wallet;
• commissions for replenishment.

For example, the popular Aliexpress today accepts payment through the Yandex.Money system, while on eBay you can pay only with a PayPal account, neither WebMoney nor Yandex.Money is accepted by this site. Consequently, these wallets will be absolutely useless for regular users of this auction.

The next option is if you want to open a wallet to receive funds. For example, to list you wages from the employer (relevant for freelancers), making payments for purchases (for those who earn a craft activity) or collecting donations. Here, oddly enough, you will have to focus primarily on the preferences of those who will transfer funds to you. Should be assessed:

• the number of ways to replenish the wallet;
• the possibility of replenishing from a bank card;
• the presence of a commission for replenishment of the account;
• the degree of prevalence of the payment system.

For example, if you plan to sell your goods only to buyers from Russia, you can pay attention only to payment systems popular in our country. If you want to enter the global handmade / freelance market, etc., you should find out which payment methods are most popular in the region of your interest. For settlements with America and European countries, PayPal is best suited. It is more familiar to residents of foreign countries, and also provides protection for the buyer. And, of course, you should analyze the possibilities of withdrawing funds from the system, their cost and assortment.

Tip: when working with one or two employers, choose the wallet that suits their interests. Also, when working on services that allow you to make money through the network, choose the payment system with which these services cooperate.

Electronic wallet instead of a bank card

Consider the latter option - if you plan to use an internet wallet as an alternative to your regular wallet. That is, it is not easy to withdraw the funds received into it to a bank card, but to pay for basic needs directly with its participation. It's worth finding out here:

• what features are built into the payment system;
• what is the amount of spending limits;
• can the system provide physical remedy wallet management;
• how you can cash out and how much it costs.

For example, with using WebMoney and Yandex.Money can be paid without problems, not only mobile communication, but also utilities, taxes and fines, internet and television and many other bills. But the Qiwi payment system provides its users with a plastic card tied to a wallet, with which they can make purchases in offline stores. However, Yandex also has such a service.

In short, before making the final choice, carefully analyze your capabilities, needs and plans for the payment service. An incorrectly chosen wallet can not only add inconvenience to daily life, but also lead to financial losses, due to the large size of commissions for operations or the churn of clients / employers, for whom it will be inconvenient as a means of payment. And having formulated a list of requirements, you can start studying the proposals of payment systems. We will tell you about the most popular ones.

The most popular wallets in Russia

Today in our country the following electronic payment systems are the most common:

• WebMoney;
• Yandex money;
• Qiwi;
• PayPal.

Each of them, in addition to a large number ways to replenish the wallet and withdraw funds, there are Russian service customer support. This can help if you encounter difficulties both in the process of creating an account in the payment system and in the course of using it. Let's talk about the main features of each of the wallets.

Payment system WebMoney

For a long time, those who needed a wallet to work via the Internet could only use an account in the Webamni system. This company was one of the first, if not the very first, to provide an electronic money service on the territory of the Russian Federation. Over the years, the payment system has acquired a solid infrastructure. Today, using her wallet, you can:

• make purchases at most online stores;
• pay bills and receipts (including fines and taxes);
• pay for Internet services, cellular communication, satellite TV, etc .;
• make transfers all over the world.

The undoubted advantage of WebMoney is its multicurrency. You can link several wallets to one account, each of which will be designed for its own currency. In the Russian Federation, ruble and dollar wallets are most often in demand. In total, the system provides 10 types of currency, including not only the euro and Belorussian rubles, but also recently popular bitcoin. You can replenish your wallet in different ways:

• from a bank card - through an ATM or an Internet bank, depending on the issuer;
• from a bank account;
• from another electronic wallet (including one that does not belong to the system);
• from the balance of the mobile phone;
• by postal order;
• cash - through terminals.

Important! The timing of crediting funds and commissions for replenishment will depend on the type of wallet.

WebMoney has a cooperation agreement with some banks. For example, transactions between any of the wallets of the system and the card / account of Alfa-Bank will be carried out instantly and will cost the user only 1% of the transferred amount. For comparison, when replenishing a wallet from a bank card that is not included in the list of system partners, in the amount of up to 2800 rubles, a commission of 50 rubles will be deducted from you, plus the bank's commission.

Yandex.Money payment system

If you search the Internet for an answer to the question of which e-wallet is better to start in Russia, user reviews will most often recommend Yandex.Money. This system has been operating in our country since the mid-90s, and also managed to acquire a wide infrastructure. Wallets in it can only be created in rubles. And largely due to this, working with the system is simple and intuitive.

Any system user who has registered a wallet can receive funds. But in order to make transfers, pay bills or withdraw money from the system, you will need to go through identification. There are several ways to do this:

• using Mobile Bank Sberbank;
• by transferring funds to a wallet account through Euroset salons, Svyaznoy or the Contact system;
• by sending an application and notarized copies of personal documents to the address of the payment system.

Important! The identification procedure is paid, its cost depends on the chosen method.

Having passed identification, the owner of the wallet gets the opportunity with its help:

• pay for purchases on the Internet;
• pay taxes and make other contributions to the budget;
• pay for utilities, use of cellular communications, the Internet, etc .;
• make money transfers both within the system and to bank cards of third parties;
• withdraw money from the wallet to cards and accounts of any banks.

Important! The payment system has partnership agreements with a number of banks (Alfa-Bank, Promsvyazbank, Sberbank, etc.), allowing you to withdraw funds to their accounts instantly and without additional fees.

In addition, Yandex.Money provides its customers with the opportunity to receive a plastic card, the balance of which will be shared with the wallet. Thus, you can pay with electronic money in regular stores, cafes, service centers, etc. Such a card can also be linked to systems contactless payment- ApplePay or SamsungPay. The cost of the card is 200 rubles for three years, no commissions are charged when making payments through terminals.

Qiwi payment system

This payment system allows you to create a wallet using only a mobile phone number. The specified number comes one-time password, which acts as an analogue of user identification for the system. Using the wallet, the user can:

• pay for cellular and Internet services;
• make payments for loans from a number of banks;
• pay fines to the traffic police;
• top up parking accounts;
• pay for apps, gifts and voices on social networks;
• pay for utilities (in some UK).

The system also allows you to make money transfers between different wallets, send money to bank accounts and cards, send finances through money transfer systems (postal, Contact, American Express, etc.).

Important! The currency of the wallet in Qiwi can only be Russian rubles.

To replenish your wallet, you can use one of the terminals of the system, which are abundant in almost any city. In addition, replenishment is possible through Internet banking systems, from a bank card account through ATMs, and even from a mobile phone balance. Qiwi cooperates with many micro-credit companies, so that wallet owners can receive loans online to accounts established in the system.

Important! Also, any client can get a Qiwi plastic card, the balance of which will be shared with the wallet. The card is accepted for payments in most stores.

PayPal payment system

For those who are going to sell goods over the Internet, or, on the contrary, make purchases in foreign online stores and from individuals, the best electronic wallet is PayPal. This system created specifically for settlements between sellers and buyers. The wallet identifier in it is the address Email client. This allows you to secure your personal data, including information about accounts, cards and other means of payment.

Important! PayPal account is opened in the currency of the country of its owner. For international payments, funds are converted automatically at the internal rate of the system.

You can replenish your wallet using a bank card of any bank. But the further use of the credited funds is very limited:

• transfer to another account with PayPal;
• withdrawal of funds from the system (to a bank card linked to the wallet).

That is, it will not be possible to make any payments to third-party bills using this service. But for shopping, it is very convenient. PayPal has a very strict buyer protection program. When paying for the goods, the funds are credited to the seller's account, but are blocked on it until the buyer confirms the receipt of the goods and the absence of claims for it. Otherwise, the money spent can be returned, and all commissions for transfers will be borne by the seller.

The system operates both abroad and in Russia. But in our country, it is not yet very common. For transactions within the Russian Federation, it is more convenient to use Yandex.Money or WebMoney.

Hello dear readers!

In this article, we will look at the most popular e-wallets and evaluate their advantages and disadvantages. And, in the end, we will 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 turn out to be more and more real every day. This is especially true for 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 the same instant transfer rate today. Now we can do remittance in just a couple of clicks. And, the funds will reach the recipient. Instantly!

Why do you need an electronic wallet

To save time. Almost any payments / transfers today can be made from a mobile device. Or from a computer. After all, it is much more convenient than going to the bank the old fashioned way. Wait in line.

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

• you can create an electronic wallet very quickly and easily... In most cases, it is much easier than opening a bank account. In addition, everything is done online and there is no need to visit the office.
• commissions of payment systems are lower than banking... After all, banks need to feed a huge staff of employees. Maintain offices. Bear administrative expenses. Pay premiums. And for electronic payment systems, these costs are scanty.
• 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.
• Another advantage of e-wallets is versatility... Today, there are a lot of services where you can pay with e-currency, but not with banking. In particular, this applies to and.

Most e-wallets are just as convenient as bank accounts. That is, we can create a wallet, order a plastic card and pay with it in stores. Exactly the same as usual bank card... The card will use the funds on the e-wallet.

Good. But there are several electronic payment ones. They all have their own characteristics, their own tariffs. So which wallet is more profitable?

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 the most popular and widespread.

First of all, I will list the e-wallets themselves and ladies brief description them. And then let's move on to the comparison.

This is a Russian payment system. It is widely used in RuNet, it is convenient and profitable to use. Ideal for those who make money on the Internet.

This wallet is multi-currency. We . Including the most common currencies and currencies of Russia's neighbors.

That is, we can get an I.Money card and pay for it in shops of the most different countries the world. We can go, for example, to the most beautiful Ukrainian city of Lviv. And, calmly pay in local stores in hryvnia. Or, go to Turkey in the summer. Almost all shops there accept dollars or euros. The calculations are available through Yandex.Money.

And, by the way, you don't even have to take your card with you on your trip. Yandex.Money works with Apple Pay, Samsung Pay and Android Pay... This means that you can link the card to your phone and pay with your phone. As if you were paying by card. Leaning it against the terminal in stores. This function is supported by about half of the phones. Even in the budget segment.

Another plus of Yandex is the absence of commissions for transfers within the system. But only if you make a transfer via a mobile application.

Young enough, but very convenient system... Allows you to work with dollars, euros and rubles. The main advantage of AdvCash is the absence of commission for internal transfers.

The main disadvantage is that it is not always possible to issue a plastic card for this system.

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. Confirmations may not come immediately. And, this is the main disadvantage of bitcoins.

Convenient wallet that allows you to work in dollars, rubles and euros. The system is popular and widespread. Tariffs are slightly higher than those of competitors. On the other hand, the system is very versatile and secure.

Second echelon

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

One of the most popular payment systems in the world. Funds can be stored in dollars, euros and bitcoins. "PM" combines high speed payments, good security and low rates. This system is considered to be the most confidential. No state. the organs do not control it. Can't track payments.

This is a system that is only used 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. Basically, the system is not bad. Works with rubles and dollars. Internal transfers are commission-free.

Please note that creating a wallet and maintaining it is free for all systems.

Features and rates of e-wallets

Drawing conclusions about wallets

Internal transfers are cheapest in AdvCash and QIWI and Yandex.Money. Perfect Money and Payeer have low fees either. It is also beneficial to use bitcoins. But not for small amounts.

All systems allow you to issue a payment card. In my opinion, the most better conditions from Yandex.Money and QIWI. Their obvious plus is 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 security system 3D Secure.

Cards from other systems are expensive, denominated in dollars, and inconvenient by themselves. They cannot be used to pay off contactlessly. And online shopping will be difficult in some cases.

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

Cash out dollars is about the same everywhere. Both in terms of the course 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.

Also, you can withdraw money from any electronic wallet using. To do this, we simply change money from an electronic wallet to money on 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 exchanged. Moreover, in many cases, the exchange occurs instantly.

Disadvantages of wallets

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. In general, the safety of other systems is also high.

Since I started talking badly about WebMoney, here's another stone in their garden. Almost all systems under consideration, except WebMoney, are completely confidential. That is, the same tax office 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.

If you use Yandex.Money, you will also be under the hood. Oddly enough, this system, for the most part, does not belong to Yandex, but to Sberbank. That is, the largest state bank Russia. Naturally, the tax authorities simply fire up all transactions in Yandex.Money. If you want privacy, use a different wallet. If you have nothing to hide - feel free to choose Ya.Dengi. It's a cool and easy to use system.

Which e-wallet is better?

Ultimately, each of the e-wallets has its own advantages. Therefore, I recommend opening two or three wallets at the same time.

So which e-wallet should you choose? In my opinion, it is optimal to create a Yandex.Money and Adv Cash (or Payeer) wallet. When paired, they achieve most goals. At the same time, both are economical and easy to maintain.

Which e-wallets are closer to you?

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!

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Payments on the Internet, as well as electronic money, have become quite commonplace for a good half of users of personal computers and mobile gadgets. "Cash", of course, is also in use, but slowly fades into the background.

With the help of electronic money, almost any cash transactions: buy bread, pay off a loan, pay a fine to the traffic police, lend and much more. The popularity of similar monetary systems, and sometimes the urgent need for them raises many questions from some users. Which e-wallet is better? How to start it? What is needed for this? The instructions in payment systems are dryish, to put it mildly, and the features described in them are more like praises in their honor. We will try to put everything on the shelves and push the popular payment services head-on in order to identify the best option.

So, let's figure out which electronic wallet is better, why, what is needed to open it and how it will help in a given situation. First, let's find out what it is all about.

Online wallet

An electronic wallet or payment system is a service that allows you to store the user's financial savings on individual account and, if necessary, pay with them online or in real life. In fact, such systems are analogous to a regular bank account, only with richer functionality.

A good half of those who know how to use an electronic wallet consider it an ideal tool for online purchases and other payments on the Web. Working on the Internet as a copywriter, designer, webmaster or programmer, you will certainly come across payment systems. The money earned can be used not only on the World Wide Web, but also to be withdrawn into tangible bills using bank cards, which are also issued in payment services.

There are quite a few opportunities for such systems, it remains only to decide which electronic wallet is better to choose.

Popular payment systems

The list of payment systems is not that long. To be called such, you need to get a license, get a lot of capital to guarantee payments and fulfill a lot of other, no less serious requirements.

To answer the question "which e-wallet is better", we will consider the three most popular payment systems that are perfect for any domestic user. Moreover, in 90% of cases, one service can completely replace another. By by and large, there is no critical difference between the systems as such, but there are only small differences that will help everyone decide and decide for themselves which e-wallet is better.

"Yandex money"

This payment system from a well-known domestic search engine was launched in 2002 and was created specifically for a Russian user. Using the Yandex.Money electronic wallet, you can accept, pay and exchange virtual currency.

The service has a convenient web interface for personal computers and a mobile version for gadgets on the Android and iOS platforms. You can replenish your account in terminals, banks, communication shops and other places where the corporate logo of the Yandex.Money e-wallet is indicated.

Service features

For offline payments, you can issue a plastic card in the service. The latter is accepted everywhere and without restrictions, as if ordered the same in any bank. You can use it to pay in stores, shop online, and also withdraw cash.

Yandex.Money is the best option for the average user. It is convenient, the interface is clear and without unnecessary troubles. To open all the available functionality, you need identification: a passport and personal presence at the nearest branch of the service. The only drawback of the system is only Russian currency treatment. You can top up the balance in both dollars and euros, but the account will always have an amount in rubles. So keep this point in mind before starting an electronic wallet in the Yandex service.

"WebMoney"

It is one of the most serious payment systems operating since 1998. One of the most notable advantages of this service is its versatility in terms of currency. Here you can open an account in dollars, euros, marks, pounds and even an electronic wallet for cryptocurrency, that is, in almost any monetary standard... For some users, this is a critical moment when choosing a payment system.

It is also worth noting that internal circulation and currency conversion occurs instantly: you do not need to contact third-party intermediaries and exchange offices - everything can be done quickly in the service interface. The latter, by the way, is notable for its intricacy, so the rally will not be able to deal with it. You will have to get used to the specificity of the menu branches and far from intuitive functionality, especially if you switched from Yandex.Money.

Distinctive features of the payment system

To access the full functionality of the system, multi-stage identification is required. The sent scan of the passport removes some restrictions on the volume of transfers and gives an initial certificate. A certified copy by a notary allows you to issue a bank card, and the account is assigned the status of a personal account, where funds can be converted with almost no restrictions. There are other ID certificates that are already designed for serious business projects, but they are much more difficult to obtain.

In general, we can say that WebMoney is a whole complex for working with virtual money. The system has its own local client, multilevel protection and the ability to work with various currency standards, that is, everything that is in ordinary offline banks. "WebMoney" will be a useful tool for those who are dedicated to making money on the Internet and working with foreign counterparties. In addition, the ability to design the now popular electronic wallet for cryptocurrency makes the system even more versatile and attractive for advanced business users.

"Kiwi"

The Qiwi service appeared in 2007 and, along with Yandex.Money, attracts ordinary users with its simplicity and convenience. The payment system works through the web interface in the case of personal computer or as mobile application if you use a smartphone or tablet for these purposes.

As a personalization of the account, the service uses a linked phone number with subsequent identification, which is very convenient: the coveted eleven-digit number is always in the gadget's notebook or in memory, therefore, as a rule, there are no problems with “where to throw your money”.

Another remarkable feature of the service is the ability to work with euros, dollars and Kazakhstani tenge. In this regard, the wallet is more versatile than Yandex.Money. But commissions act as a fly in the ointment. Not that the latter are different high percentage, it's just that they are almost everywhere, even where they should not be in principle.

This may not be so noticeable when it comes to small amounts but when you work with five- or six-digit numbers, you feel ripped off. So for serious business projects, this service is not the best option, even if it is distinguished by its versatility, convenience and a pleasant interface. So keep this point in mind before starting an electronic wallet in the Qiwi payment system.

Summarizing

Which system to choose depends only on you and your needs. If you, as they say, turn around in millions, then the best option will become "WebMoney". It has the most reliable protection, financial guarantees and a large selection of currency wallets.

Freelancers and other average users do not need to bother with a large and serious "WebMoney", but it is better to pay attention to more friendly services in terms of usability from Yandex and Qiwi. Here you also have the opportunity to get a bank card and work (or spend money) for your own pleasure.