How to get an electronic wallet. How to create an electronic wallet

Greetings, dear friend! I have not yet completely intimidated you with the forthcoming "superhuman" efforts to master copywriting skills, or the threats of almost gratuitous labor "for an idea"?

She promised that “school”, that is, a greenhouse, almost greenhouse conditions, but what is it really? - you have the right to think.

Calmly! You know that any seedlings or seedlings must be hardened before planting in the soil. This greatly increases the chances of young sprouts for survival. We will assume that the first two posts from the “School” section were these tempering procedures. And now it's time to prepare for landing on Freelance, that is, on text exchanges. But before that, some organizational issues need to be resolved.

When registering on any of the text exchanges, you, my friend, will be asked for the details of electronic payment systems for the withdrawal of earned money. Therefore, today we will deal with a very specific matter: we will learn how to get an electronic wallet, and which of the payment systems to use for this.

I recommend that you register with two electronic "banks" - Webmoney and Qiwi, because most of the copywriting exchanges cooperate with them. Why two at once? Because we live in a very unpredictable country, where there are various force majeure circumstances. Let one of the ways to withdraw money from the exchange be a reserve one. Among copywriters there are fans of both payment systems. And for me, it would be something to deduce ...

Let's take a closer look at the procedure for registering wallets for electronic money for each of the systems.

How to get a walletwebmoney?

To enter the official website of the system in search line type "webmoney" in your browser, it will be the first in the search results.

We make the transition and get to home page site. In the "Individuals" section there is information about what goods and services can be paid for with electronic money. Believe me, this is a very handy feature. It is worth reading it in detail. For example, I pay for electricity, communications and all utility bills through WebMoney. In addition, I use my e-wallet when buying goods in online stores, air tickets, booking and paying for hotels. On the same page there is information about ways to withdraw money from webmoney. But now we are interested in the yellow button in the upper right corner of the screen - "registration".

We begin the procedure by entering your number mobile phone. Not urban, mind you, only cellular - in the international format, that is, from +7. On the Internet, articles are still gathering dust that you can register without entering a phone number. This is outdated information. You will manage your finances using your mobile phone, so the number must be valid.

Click on the "continue" button and proceed to the input personal information. Here, too, everything must match the passport data. After all, you understand that you are not registering on some gaming portal - therefore, no “nicknames”. E-mail should not be from some box filled with spam, but one that you actively use. You will select a security question from the drop-down list. Whether to allow the service to flood your mail with news about promotions and other things is up to you. But without the last tick on the consent to the processing of personal data, it will not be possible to register. So agree and go to the third step.

At this stage, in a special field you will need to enter the code that you will receive from the SMS. Enter the code very carefully: the number of attempts is limited. I will no longer be able to show you screenshots of the screens, since I already have WebMoney wallets, and I can’t get them a second time. But everything is simple there.

Next, you will come up with a very complex password (preferably using lowercase and uppercase letters, as well as numbers and signs in upper case). Please note that you cannot use your common passwords from mail, classmates or VK. Let it be a special password only for WebMoney. And remember that it is possible and necessary to write it down for memory only on paper, and not in some Word file. You will use your phone number as your login to enter the system.

Registration is coming to an end. It remains to choose a currency. Start immediately WMR (ruble) and WMZ (dollar) wallets. If you work, for example, for Advego, then “green” ones are in use there. On the exchanges Text.ru and Miratext, authors pay in rubles. In this window, do not forget to tick your agreement with license agreement. And we move on.

The next screen will display both of your wallets and the twelve digit numbers below them. These are the bank details that you will have to indicate when you “enter” the content exchanges. It is convenient to link a bank card to electronic wallets - one or as many as you like. So you can withdraw cash from WebMoney.

QIWI payment system(qiwi)

Getting a qiwi wallet will not be difficult for you. It's even easier than in Webmoney. Registration is carried out by phone number. Nothing else is needed. More precisely, it is not required for the status of "anonymous", which is enough for you for the time being.

I will not show you screenshots with detailed explanations, because there you only need to enter your phone number and the number from the picture. At the next step, come up with a complex password, again not repeated on other Internet resources, and enter the code from the SMS message. And that's it! Do you have a qiwi wallet? His details are your phone number. And if you order a QIWI Visa Plastic card on the service (with free, by the way, service), then you will not need to rack your brains on how to cash out money from a Qiwi wallet.

This card is absolutely equivalent to any other Visa. It can be used to pay in Russia and abroad, withdraw cash from ATMs. I also really like the possibility of ordering additional cards (up to 5 pieces) linked to one account. That is, you can order a card for a child, put small amounts of pocket money there with the ability to control them.

That, in fact, is all. Now you are ready to “land” on Freelancing. In the next article, I will tell you more about the exchanges on which I recommend you register. In the meantime, get yourself wallets, get acquainted with the functionality of settlement systems in more detail. At first, very little money will “drip” there, so you don’t risk anything. You will have time to get comfortable in order to handle your finances with confidence.

And the last thing… Please write in the comments if the article helped you? Were you able to register wallets? There will be questions - ask here. I will definitely answer.

See you soon, GALANT.

Creating an electronic wallet in the WebMoney system will allow you to start working on the Internet. This can be compared to buying a wallet, because the money you earn needs to be put somewhere. IN real life we put them in our wallet, while working on the Internet you also need to put your salary somewhere. Next, we will take a step-by-step look at , write down your wallet number to deposit or withdraw money.

To create your wallet on the Internet you need:

1. Go to the website of the system webmoney.ru and register on it.

2. After successful registration, start creating your own electronic wallet.

How to register on the WebMoney site

To register, you will need to have (Email) and a mobile phone at hand. The registration process will take you no more than 10 minutes, then I will describe how to register on the WebMoney site correctly.

1. On the main page in the upper right corner, click the Register button.

2. After that, a new window will appear, you will be prompted to enter a phone number, do it. You will be sent an SMS with a confirmation code. Subsequently, the system will send you passwords to confirm the transfer of money and make payments. In general, the phone number is entered for security purposes so that no one can steal or spend your money without your knowledge. Enter your number and click continue.

3. A new page will appear again, on which you need to enter your personal data. If you are going seriously and for a long time, then I recommend that you indicate all the data as in your passport. Don't worry, no one but you will be able to see or somehow know this data. At the end you have to choose Security Question and give an answer to it, take it seriously, you never know the password, then this data will help you enter the site. After that click on the Continue button.

4. On the page that opens, you need to check whether you filled out the required form fields correctly, if everything is fine, click Continue, or go back and go back and correct what you need.

5. The next stage of registration is checking your Email, you have already been sent a letter with a code, you need to check your mail, copy the received code and enter it on the site in the appropriate window. Below you see an example of a letter to your email.

6. And now enter this long registration code on the WebMoney site page and click Continue.

7. We are almost done, it remains to check the mobile phone and come up with a password. Next, we check the phone. You will receive SMS, no need to send any messages, WebMoney system will send you a text message. Enter the received code in the required box and click Continue.

8. Well, that's all, come up with a good password so that no one can crack it and enter it in the window that appears. If later it seems to you that your password is too simple, you can change it as many times as you like. Click OK.

That's all, as you can see, there is nothing complicated. Now you are a full member of the WebMoney system. In order to start using electronic money, you need to create a wallet or several wallets for yourself.

Just a couple of clicks and you will have your own wallet on the Internet. It will expand your opportunities, allowing you to not only earn money without leaving your home, but also spend it paying for various goods and services, including Internet access and a mobile phone. So let's get started.

1. In the menu bar, select the Wallets section, and then click on the create button, as shown in the figure below.

2. After that, you need to select the type of wallet ( , WMR, etc.) that you want to create. I will say right away, I created everything for myself at once available wallets because you never know what currency you will need. Next, accept the terms of the agreement and click create.

3. If everything is done correctly, and it is difficult to make a mistake here, then you will see a screen like this.

Remember, the created wallets can no longer be deleted and they will remain with you forever, but, as they say, they don’t ask you to eat, so I think they won’t bother you. Beginners often ask where and. It can be seen below, under the name, wallet numbers consist of a letter and 12 numbers. For example Z250496547658 will be your dollar wallet number.

What's next? I recommend that you explore the possibilities of this payment system, because they are not limited only to storing money earned on the Internet and withdrawing it to real life, you can spend WebMoney directly on the Internet, and today you can buy almost everything for them.

An electronic money system is a system in which there is a circulation of certain virtual units that can be used for all kinds of payments on the Internet. Initially, Internet providers and mobile operators became interested in the electronic money market. Now almost every online store accepts electronic payments. Even utilities, fines, various fees can be paid via the Internet, since online payment services have been developed. Thus, customers are relieved of the need to waste time in queues while waiting.

What are web wallets for?

An electronic wallet is convenient for people who earn money on the Internet: these are freelancers, people working remotely, and citizens with disabilities. This is especially convenient in cases where the customer of the work is at a considerable distance from the performer. Alternative to electronic money - bank cards, but their design is a longer and more complex process. It is not uncommon for commercial companies to start e-wallets.

Absolutely anyone can open an electronic wallet. This does not require significant time costs, the collection of a package of documents, the conclusion of an agreement. It is enough to register on one of the sites offering services for the storage of electronic funds. Some of the most popular and in demand are Webmoney, Qiwi, PayPal, Yandex.Money.

The registration process is extremely simple and understandable even for a beginner on the Internet. It is worth paying attention to such a moment as indicating reliable contact information. This will allow in the future to link a bank card to the account and cash out funds through service offices. Another important nuance during registration is the most complex password to protect your funds from intruders. It would also be reasonable to link the account to the number cell phone. This will allow you to recover your password if it is lost.

Using a web wallet

Well, we decided how to create an electronic wallet, what's next? Funds for it can come from other wallets, a bank card. Or the account can be replenished through the payment terminal. Please note that there is a fee for any transaction. As a rule, it ranges from 1% to 5% of the transfer amount.

You can pay with electronic money for both goods and services. This is especially convenient if the seller is located in another city or even region. As a rule, payment is received within a few minutes. All transactions remain in the system's memory, so if necessary, it will always be easy to prove the fact of payment. When accumulating a certain amount on a web wallet, it may be necessary to cash out the funds. This can be done both through service offices and through a bank card, from where they can then be withdrawn through an ATM.

Security

Complete protection Money none payment system cannot guarantee. And although fraudulent activities are the exception rather than the rule, such cases do occur. Today, there are a number of tools that allow you to maximize the security of money transactions carried out on the Internet. Most payment systems use SMS confirmation. Due to this, it is impossible to use an electronic wallet without having access to a mobile phone that has been linked to the wallet. In the Webmoney system, you can register using fingerprints.

In addition to the existing algorithms of the system, you yourself need to take a number of measures to protect your electronic wallet. You can protect your web wallet on your own using the official version of the antivirus and regularly checking your computer for viruses. It is better not to save the login and password from your wallet in the browser history. It is advisable to choose the most complex password before creating an electronic wallet. You should not store your login and password from logging into the system in one file.

Wallet on Webmoney

Many novice freelancers are puzzled on how to create a Webmoney electronic wallet. Registering an e-wallet is completely free, as is its content. There is no annual subscription fee. Therefore, such a wallet can be created even just in case, if there are no plans to use it. To register for Webmoney, you need an electronic mailbox. Therefore, if there is none, you will have to start it. To manage your e-wallet, you will be offered a choice of 4 programs: Mini, Classic, Light, Mobile. It is better to choose Classic, as this option is the most convenient and full-featured compared to the others. Even if you choose Mini, then you still have to switch to Classic. The next stage of registration will be filling out the questionnaire. All items in the questionnaire that are highlighted in bold are mandatory.

Registration procedure

The data must be reliable in order to prove, if necessary, that the wallet belongs to you. After entering all the necessary data, the Webmoney system checks the specified email address and phone number. Then you need to download and install the selected program on your computer. Then you need to enter the code received by e-mail. As a result, the user is assigned a personal WMID. This is a unique number in the Webmoney system, consisting of 12 digits. Performs the login function when logging in. Registration in the system is completed, you can start creating a wallet.

The first step is to launch Keeper Classic. To enter the program, you need to enter your password and WMID. Then in the "Wallets" tab, you need to select the "Create" option. You will have to choose the type of wallet and come up with a name for it. To conduct transactions on the Internet, you will mainly need ruble and dollar wallets. Having figured out how to create a WebMoney electronic wallet, you need to take care of saving the necessary information. Data that must be saved or remembered: login and e-mail, as well as a password to enter the site, WMID, password to enter the program, numbers of electronic wallets.

qiwi wallet

Another equally popular site for registering an electronic wallet is Qiwi. How to create a Qiwi e-wallet? When you enter the site on the main page, you will be prompted to enter a phone number and password to enter the system. To the left of this field is a link to register a new user. You must enter your phone number and the symbols shown in the picture. After accepting the terms of the offer, you click the "Register" button. After entering a temporary password, you can change it to a more convenient and complex one. IN personal account You can pay for services and learn more about the functions of the payment system.

Payment transactions

After learning how to create a Qiwi electronic wallet, users are interested in how to make payments. You can make the necessary payments only if there are funds in the account.

You can top up your qiwi wallet through payment terminals or transfer money from a bank card. When depositing through the terminal amounts up to 500 rubles. commission is not charged. You can also use an e-wallet on your mobile phone and transfer funds to any recipient. There are also plenty of ways to withdraw money from an electronic wallet, but in this case there is already a commission.

Hello! In this article I will tell you how to create an electronic wallet.

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

What is an electronic wallet

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

With it you can:

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

And all this can be done in a few clicks without leaving your home. With the advent of bank cards, electronic wallets have become less necessary, because with the help of applications, plastic performs the same functions.

• Those who constantly buy something in online stores.
• to receive a salary.
• Owners of online stores and any sellers on the Internet.
• Owners of websites, blogs, groups in social networks and similar projects.
• Players in .
• Active gamers.

If you fall into one of these categories, it's time to think about how to get an electronic wallet.

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

Each user can create an electronic wallet for free.

Without e-wallets, all the commerce that exists on the Internet would not exist. Electronic transfers, payment for , for projects, for remote work- all this went and goes through electronic wallets.

Western e-wallet PayPal is generally tied to a bank card. Calculations within the system are instant. Most of the major players, even at industrial auctions, prefer to pay using this payment system for multimillion-dollar contracts.

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

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

How to create Yandex.Wallet

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

You can make a Yandex.Money e-wallet in 6 steps:

1. Registration of mail on Yandex.
2. Go to the "Money" section.
3. Select "Open Wallet".
4. We fill in all the data in the fields.
5. Confirm phone number via SMS.
6. We get money.

After you open a Yandex.Money wallet, only basic transfers will be available to you, such as topping up your phone, the Internet, and paying utility bills.

Yandex.Wallet has several levels:

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

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

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

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

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

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

• Through any payment terminals.
• With the help of bank cards.
• From mobile phone balance.
• With the help of other electronic wallets.
• Bank transaction.
• Through Russian mail, CONTACT, Unistream.

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

In the original Yandex.Money system, it is not possible to make payments in dollars and euros. But it is possible to create a virtual card that will act as a dollar wallet and use it to pay for purchases in foreign stores.

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

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

Upon registration, you will be given the option to create a permanent password. Approach this issue wisely. You need to choose a complex password that cannot be cracked. It is desirable that it consists of letters, numbers and symbols of different case.

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

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

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

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

Yandex.Map

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

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

The Yandex.Money bank card has its drawback - it is unprofitable to withdraw cash. For each payment you pay 3% and a minimum of 100 rubles for withdrawal. That is, you need to withdraw at least 3,000 rubles, and then the commission will be 3%. But in comparison with the same Sberbank, where there is no commission for withdrawal at all, this is inconvenient.

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

To be frank, this is just an addition to an electronic wallet. Few bonuses, cashback and no% on the balance make such a card uncompetitive.

How to create a Qiwi e-wallet

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

There are three ways to make a Qiwi wallet:

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

The easiest option is to register on the site.

To open Qiwi e-wallet, you need:

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

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

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

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

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

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

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

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

You can top up your Qiwi wallet in several ways:

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

You can transfer money from your wallet:

• Money transfer to the card.
• To another wallet.
• Get cash through Qiwi cards.
• Get cash through postal orders.

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

Security is also top notch. Internal protection on the site, which will not allow attackers to make money transfers, even having received a password. Operations are confirmed via SMS. Sometimes the system can fail, about once every few months, but problems are solved quickly, in a few hours.

Qiwi Map

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

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

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

How to create an electronic wallet Webmoney

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

Making a WebMoney wallet is more difficult. You will need:

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

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

You can replenish your Webmoney wallet:

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

You can withdraw money via Webmoney:

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

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

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

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

Additional cash withdrawal method

It is not always possible to cash out funds that have been transferred to certain wallets. Sometimes money is needed right now, but it is not possible to go through the confirmation procedure. For such cases, there are exchangers. These are companies that, for a fee, provide the opportunity to transfer funds from one payment system to another.

Exchangers charge a small fee for transfers. In order to choose a suitable exchanger, just go to the site bestchanges.org. This is a huge collection of all exchangers. You can choose "From" and "Where" you want to transfer money. You will be prompted by sites, commission and minimum restrictions on operations.

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

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

Which e-wallet is better to choose

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

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

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

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

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

System electronic payments These are online money transfers. Unlike bank cards VISA or MASTER CARD, these transfers are carried out outside the bank's control. To store this money, special identification cells are created - electronic wallets. In this article, we will talk about what e-wallets are, how to create them, how to deposit and withdraw money, and what is their essence.

What is an Electronic Wallet

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

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

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

The essence of electronic wallets

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

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

• The network has a huge number of those who receive income from freelance activities, which are paid remotely electronically.
• Someone earns on the exchange of money, for example, you need to transfer funds from WebMoney to Yandex.Money.
• If you start a website and earn money from advertising, then most likely the money will come to you on an electronic wallet that you yourself specify.

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

How and which e-wallet to choose

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

For many users, the best e-wallet is the one that registers quickly and clearly, and whose deposit / withdrawal functions are arranged in the most uncomplicated and accessible way.

What does prevalence mean?

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

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

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

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

Why do you need an e-wallet?

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How to create an electronic wallet

After being selected electronic system, you can proceed to register your wallet. To do this, you need a scan of your passport and a few minutes of your time.

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

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

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

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

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

How to replenish an electronic wallet

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

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

Payment by e-wallets

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

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

How to withdraw money from an electronic wallet

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

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

Reviews of the best electronic wallets

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

Electronic wallet QIWI

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

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

So, today the Qiwi e-wallet is a unique resource for instant payments. Its features and benefits include:

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

Registration in QIWI

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

Entering money to QIWI wallet

There are several ways to fund your account:

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

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

Withdrawal of money to QIWI wallet

• Transfer to a bank account or or Maestro. Commission 1.5 - to the account of the amount, but not less than 50 rubles, and 2% - to the card. The maximum amount for transfer is 15 thousand rubles.
• Cash can be withdrawn through Unistream, Privat Money, Contact, WesternUnion money transfer systems. The commission is also from 1.5 to 2%.
• Use the services of the Russian Post. Commission 2, 5% + 60 rubles.
• Issue a Visa plastic card linked to an account in the QIWI system. With its help, you can pay and withdraw money at any ATM that cooperates with VISA.

Electronic wallet WebMoney

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

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

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

Such identification makes it possible to carry out settlement and exchange operations. In addition, the system provides the ability to work simultaneously with several currencies.

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

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

How to withdraw money from WebMoney

You can withdraw funds from your wallet in several ways:

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

How to top up a WebMoney wallet

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

Electronic wallet Yandex.Money

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

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

Registration in Yandex.Money

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

Entering money from Yandex

You can deposit money into your wallet account using one of the following options:

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

Withdrawing money from Yandex

There are several ways to use the withdrawal feature:

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

PayPal e-wallet

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

The main functionality of the wallet:

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

registration

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

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

Instead of output

Summing up, we can say that for Russian users the most comfortable there will be a system Yandex.Money and WebMoney. The first is due to simplicity and small commissions, and the second is due to its prevalence and security. QIWI will also be in the leaderboard due to the variety of ways to deposit and withdraw funds. Well, it is suitable for active work at international venues.

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