The best payment systems, electronic money and crypto-currencies. Electronic payment systems and wallets for depositing and withdrawing money from the Internet Russian electronic payment systems
Payment service LiqPay is a universal payment system, with its help you can transfer money to a Visa card or send money to another user knowing only his mobile phone number. LiqPay allows you to make instant payouts(withdrawal of funds) using Visa and MasterCard bank cards. For instant payments, you only need mobile phone and bank card. This payment system is well suited for online business (websites, applications, online stores, and so on).
Registration in LiqPay is not required separate account, LiqPay account is your mobile phone number, and confirmation of payments is made via free SMS.
Registration in the payment system is very simple. You just need to enter a number cell phone, then enter the password sent via SMS (free of charge).
The Payza payment system is the former Alertpay, it was renamed due to a change in ownership. Payza - does not work at the moment, because it is already closed, cases have been initiated against the owners. Those who somehow suffered from the actions of this system or had money in the account before it was closed can write to the address: [email protected], in the letter you must indicate your email used when registering with Payza, as well as the amount on the account. The letter, of course, must be sent in English.
RBK Money allows you to make purchases and pay for services with personal computer or mobile phone using electronic money, bank cards, mobile payments or online banking services. Very convenient payment system. The system provides 2 main directions - for business and for individuals. For business, in turn, 6 tariffs are provided, which makes it possible to choose the best option for cooperation. For individual two types of wallets are defined: standard and extended (a scan of the passport is required to obtain an extended one). For owners of extended wallets, there is additional features, such as:
1. Lower rates for payments within the system.
2. Increasing the limit for replenishing the wallet from a bank card.
3. The function of the return of unused funds.
4. Exchange service electronic currencies.
5. Withdrawal of funds up to 100 thousand rubles.
Withdrawal methods:
1. Bank card.
2. By transfer (exchange) from another electronic payment system..
3. Bank payment.
5. Through systems money transfers.
6. RBK Money card.
7. Through communication salons.
Ways to replenish the wallet:
More than 30 ways to replenish the wallet, which do not make much sense to list, because this information is indicated on the website of the payment system.
yeah, everyone would be so free and mind their own business
many times transferred money from payment system to payment system and there is always a commission, if only they would cancel it
you will always pay a commission, why will they just work and maintain their services
When transferring from paypal to webmoney, will there be a commission for the transfer?
it’s very good that wmr was never closed, everything works and you can use it
yeah, but they said that it would be eliminated. why again I finally xs
and wmr works on webmoney, it was not closed and all sites start displaying it again by malech
And how to withdraw money from webmoney now if wallets have been changed there, although wmr has remained as it was
now like 15 thousand have already made the maximum limit
Yandex has one minus - you can cash out only 10,000 maximum. otherwise normal card
Is it worth ordering a card on Yandex money? does anyone already have one? feedback needed
what about webmoney? everyone who used to pay for wmr was quietly dumped from him
the fact of the matter is that I have to continue to work, only now all the funds go to dollar and euro wallets and I pay various fees that were not previously available when transferring them to a ruble wallet
everything stops working with webmoney after changing the wallet to R, I can imagine what losses they have now
Now there are a lot of them, the main thing is to choose those where less interest is lost on transfers and cashing out.
Already made a replacement. Now this new wallet is hanging idle, while the old one is still working. When wmr is canceled, everyone will be fucked up
On WebMoney, wmr wallets want to cancel and make wmp, but why is not clear
How to transfer money from WebMoney to your phone? Lies 1000r. must be dropped!
Nothing needs to be done here - it's just info about payment systems.
So far I don't know what to do????
What kind of nonsense? How can I earn money by transferring %%%? Well, how in more detail comrade xx tell us all
you can also earn money on this - withdraw from one to another and earn on%
It is dangerous to withdraw money or transfer money through exchangers! They can throw money at grandmas and you don’t do anything to them!
Ordered 10000r. from Yandex money to a Sberbank card through the exchange system and silence for a week. what to do then?
you can withdraw to the phone and then from the phone to the card, but the commission will be both there and there
Through payment systems withdrew the prize money. Now there is an amount on WebMoney and I don’t understand what to do with it? You need to transfer it to the card, but some kind of certificate does not fit me. What to do?
If in rubles, then there is no problem. You just need to add a card account and confirm it. Withdrawal in rubles without commission will pass
How to withdraw money from Pay Pal without commission to a Sberbank card?
It’s better not to use payment systems on the Internet if possible, since by cashing out money from them, you will give back % anyway
No, there is no more than 3% transfer fee. You need to ask the payment support
Withdrawed money from webmoney to Yandex money and they came minus 10% is this normal at all?
there you kind of make the binding of wallets to each other and you can transfer everything you want between them. but there will be a commission
how to withdraw money from Yandex to webmoney and then another half of the amount is needed on the card?
what kind of earnings do you offer on payment systems? reeks of divorce. there is no such income! I don’t know exactly what I’m talking about, but most likely you will come to the conclusion that at first you will need to pay something to your “companion” with this money, you will be safely thrown! here on the site there is an article "deception on the Internet" (at the very top of the site), read it first ..
Hello everyone, thanks to everyone who answers questions without any show off like "everything is simple" and if you are a fool there is nothing to ask. Well, not everyone is as smart as some, someone is just starting, someone decided to try it for the first time and immediately ran into a problem. Why show that you are smarter and know everything, well, if you don’t want to answer, don’t answer for you, others will answer. Forgive me if I offended someone. Now help me. It's not difficult for me. I was offered such a salary, they promised to help me for the first time while I learned, but for this they asked for 10% of my profit. I read your comments here and realized that the commission is decent anyway, and even 10% to unfasten someone, what will I have left then? So tell me please. is this practiced at all? Or I can do it myself without any intermediaries. As I understand it, the most difficult thing is to find profitable payment systems? I will be very grateful for the answer.
webmoney does not give me money to the card, they say send us two pages of passport. Why do I have to show my passport to everyone?
some irrelevant payments are described. where pay fell for example? where is the kiwi? withdrawing money from webmoney is the easiest of all of these
How can I transfer money from Yandex money to a Sberbank card? thanks for the answer
I make money on the Internet and I have to use these money transfer systems. No choice
why do you even use payment systems on the Internet when you can immediately withdraw or transfer money to a bank card? this is an extra link that eats%
Now, from any payment system on the Internet, you can easily withdraw money to cards. but the commission will be, about 3-5%
And through which payment systems is it better to withdraw money from earnings on the Internet to a Sberbank card?
How to start working?
What is the use of writing about these payment systems on the net? Everything is clear there anyway, since everything is simple, except that webmoney certificates are a little tricky, otherwise everything is very simple
I really liked this site, it is not only relevant but also very promising
I WANT TO WITHDRAW MONEY FROM WEBMONEY TO VTB CARD HOW TO DO IT? TO HAVE A MINIMUM OF EXCEPTIONS?
Buyers do not use payment systems on the Internet when shopping, everyone practices cards! This is my opinion, because. I often pay online
Such that buyers, that is, all existing ones, need. At least one payment will not be - lost profit
What are the best payment systems to use when you have an online store? Yandex Money apparently YES?
I have already worked with all the payments until I found better than paypal, ours are generally trashed payments such as Yandex
I use Qiwi wallet, there is no way to withdraw money on the card. Very simple!
Now everything is calmly withdrawn from any payment system to another or to any card. It's just that people are too lazy to read the rules on the sites once again.
I don’t know how to withdraw money from Yandex to a card. do you need to bind like a card or something?
Now you can transfer from any payment to another. If not directly, then through exchangers. Expensive but nothing more
Can I transfer money from the WebMoney payment system to the likpay payment system?
VERY GOOD!
how to withdraw money from a pioneer to a Sberbank card? did someone take it out? How is it done and what is the percentage of the commission? thanks in advance
Very simple!)
Qiwi is the best of all payment systems, everything is fast and high quality!!!
how to transfer from webmoney i yandex money to a qiwi wallet with minimal commissions and so that it passes quickly?
And what is the maximum amount that can be withdrawn from webmoney to a Sberbank card?
you go to the section withdrawal to bank cards and withdraw. there you just need to enter the card number and an application is made. there is nothing complicated
how to transfer money from webmoney to a sberbank visa card? thanks
As needed, I use payment cards on the network, but this is so for me, not an obligation. It's easier to pay by card. More profitable and more reliable at times
I don’t know which one is better, but they should send me money en webmoney. I don't have a wallet. Now I will try to open it. I hope everything is simple. I'm only good at YouTube on the Internet))))
Qiwi wallet payment system is not described, but it is actually better than all these combined payments
What kind of people are strange. Well, if you Maria have problems with the financial operation, then it’s probably obvious that you need to solve the problem with the topic with whom you performed the operation. Is not it?))
Tell me what to do - I sent money to a Sberbank card from Yandex Money, but they never came. It's been a week already. What is the normal time frame for such an operation? Thanks.
So they tell you in Russian - that everyone uses payment systems to make money on the network. So no one really needs them.
For me, in general, all Internet payment systems are in last place in terms of operation. At the most extreme need, I can use Yandex Money. But if I don’t feel like it, then I won’t. What for?
I downloaded only qiwi wallet, I have been using it for a long time. It is very convenient, I have already transferred money to my qiwi wallet many times
All payment systems on the Internet are not created for our convenience, but to earn money on commissions. All this needs to be banned. Use banks for transfers and purchases.
I use Qiwi often, WebMoney rarely. Yanndex Money never and the rest of the payments, too, never. How easier themes the best and easiest Qiwi wallet to have! But for some reason he's not here.
That's what people don't understand at all. Well, it’s not difficult to withdraw money from both Yandex money and webmoney to any card. What might not be clear there?
How can I transfer money to a card from Yandex money? I can't figure it out myself.
Qiwi is a scam for money laundering on the net! They don't need anything but a phone number! That's not how it's done!
What are the payment systems with minimum commissions? Here, let's say, answering the last post, I will say that Qiwi is better than WebMoney in all respects!
which payment system is better? Qiwi or WebMoney? And why is one better than the other?
the best payment systems are kiwi and paypal, everything else is either stupid or commissions are tin! and still work slowly, many payment systems are online
I generally think that all payments on the Internet were created by the USA in order to manage our financial flows as tightly as possible! no, really, this suggests itself when you see what is happening around
I actually have been using Qiwi for several years and the flight is normal, but here I had to work with Yandex with money ... crap through the roof - confirm this to them, the passport came, tell me the phone ... doakanali already
Interestingly, information for reflection: many times withdrew money from WebMoney to a Sberbank card and they went for a day. And then the card was gone, I made it from Raiffeisen - now the money comes instantly. Sber sucks!
I ordered money from webmoney to the card account and now the day has passed and there is no money. how long to wait then?
WebMoney would not say that it is a convenient payment system. There are still a lot of all sorts of nuances and other tricks for a quiet work with them. For safety, it hurts too much "shaking"
Should I soon transfer a rather large amount to the WebMoney ru site? You will also need to withdraw this money to the card. thanks for the information
Look for a better one, there is a conclusion to the cards. Left in your office. money comes in a day! commissions around 3%
I don’t understand how to withdraw money on WebMoney to a Sberbank card? where is this option located?
I wouldn’t have thought that I would also have to work with Internet payment systems - I had to! At first everything seemed very incomprehensible, but I figured it out quickly, it's something like a Sberbank online ...
For some reason, everyone hangs out on WebMoney and Yandex money, although there are a lot of other payments - more convenient and modest in%%
there is on webmoney and it depends on your level (called a certificate), you need to get an initial certificate, then there is a limit of up to 300 thousand per day! and the initial one can be obtained by sending passport screenshots
Are there any restrictions on the amount of amounts that can be turned over per day on these payment systems? More interested in webmoney and Yandex money
Sberbank has a fairly large percentage of the state's shares, perhaps even a package, which is why people trust him more than others. Nothing strange, it always has been and always will be.
why did he suddenly become a state? do not confuse anything? ps I have been using webmoney for about 6 years, there are no complaints and extortions are tolerable
So Sberbank is a state bank, that's all, and they trust it more than other commercial ones. There is nothing surprising.
Yes, just like that. But when you withdraw money to the cards of another bank, for some reason they come earlier. It’s just that I also withdrawn to Sberbank and to other cards. in general, the savings bank is stupid, I don’t know why everyone is “sitting” on it
And on the cards of other banks, the same commission and delivery time? Not everyone has this savings bank in favorites)))
now they take 2.8%, or rather 2%! 0.8% is the funds for the transfer, well, in general, the total charge is 2.8% of the amount. money on the Sberbank card appears in about a day!
Tell me how much WebMoney now takes a commission for withdrawing money to a Sberbank card?
Kiwi only suckers use. Here, pay attention if some kind of financial pyramid is sure to work with a Qiwi wallet! You can take a normal project, well, let’s say there’s some kind of freelance exchange there, there’s no Qiwi at all !!!
How about Qiwi Wallet? Why wasn't it described? A lot of people use it, I'm one of them!
They keep everything, that's why they are Internet payment systems. Everyone has their own wallet on the Internet. Some have this number, another cell number, another e-mail
And which of the existing payment systems, how do you store wallets on your computer?
how about the payment systems operating in Kazakhstan? I’m going there for 2 months, and as I already understood with payments, I strained there!
Duck like no one says that webmoney is the best. it's just that when you make money online, ALMOST ALL SITES pay on webmoney! I have to use it not from a good life, if anything)))
The best payment is PAYEER. It is simpler than WebMoney, it does not need a phone and a passport, it has a single wallet, but why HorseMoney*?! Why is it considered the best? Because of the certificate? Phone?! PASSPORT?!?! Or is it the oldest? Answer me!
* HorseradishMoney is WebMoney
If a person is not very experienced in terms of handling the Internet, then anything can happen! You need to carefully work with online money, predators for this prey during world wide web so many!
My funds from WebMoney disappeared today! I wrote to their technical support and now I think how could this happen at all.? did someone get access, could it be?
Everything is more than reliable, but why didn’t you understand? Money must be kept in a bank account. And online payments are required for money transactions - received, transferred, paid, etc. They don't store money!
Hello. Tell me - how safe is it to store funds on such payment systems as WebMoney and Yandex Money?
WebMoney is a very convenient payment system. Everything works quickly without any complaints. Of course there are commissions. where without them. But against the background of other payments on the Internet, here they are not even very high.
When they need it, they calmly transfer any amount, so to speak - to support someone ... But don’t transfer 100 bucks to an ordinary person ... give us a commission of 20 dollars, brother, unfasten us ...
Apparently, a tranche from the USA with a lower commission is not profitable. It all depends on many things, it’s not just transferring money from the USA at all)))
They should, but not like this pause, a terrible desk, do not work with it! To withdraw 100 dollars to a bank account, I am offered to pay a commission of 20 dollars! Is this normal at all?
I would not say that the commissions are just so "draconian". They are normal, although it depends on the type of operation. On the other hand, payment systems on the Internet are also made for a reason, they must also have some return on their activities.
all these online payments were created not for our convenience, but for stuffing our pockets at the expense of us! wherever you spit everywhere the draconian commission! zadolbali!
And how to start then? Your blog or website, if only to create, and this is not for everyone at the right time! Knowledge is needed what's what in the field.
Duck you Angela did not understand anything! Here, start earning something online and then payment systems will go with you always and everywhere! of course, replenishing the same Yandex Money from a card in order to pay later on the Internet is stupid! So no one does.
What is there to wrap? If I need to purchase something via the Internet, then I quite calmly use the card. Does it make sense for me to first replenish the electronic wallet of the payment system, so that later I can pay from this wallet online when I can immediately do it with a card?
on WebMoney can be stored under%. but it's better in a bank, and with state support, it's better, more profitable and more reliable! payments purely for turnover on the network, back and forth
But payment systems on the Internet, it seems, were not invented for storing money. Rather, they are needed for the convenience of paying for goods on the Internet. Why keep money on them?
The electronic version of storing money is certainly attractive in some ways, but there is also a fear. Suddenly, the funds from the account disappear. In a bank, when you store it there, at least with a piece of paper, you can confirm that there was such and such an amount, but here it’s a different matter. Therefore, I do not yet trust Internet payment systems.
Payment systems are needed, in fact, only for those who earn something on the Internet. Otherwise, yes, they are, as it were, not needed by a person. I lived happily without them. As soon as I started working with the Internet, they were needed.
I don’t understand one thing - why do I need a payment system if I have a bank card and I can use it to pay for anything on the Internet without commissions?
Paypal is still a good payment system in terms of paying with cards in stores. Look who's interested. As I switched to it, I completely forgot about Yandex money.
Thanks for the story. I understand that the leader in terms of convenience and interaction with stores are WebMoney and Yandex Money payments. Here's where I'll sign up to get started.
Maybe it is so, but when I pay with a card on the network, I have zero commission! - and through payment systems, not everything is so rosy!
How can you live in modern world without showing anyone your passport? Are you kidding me? I am still a beginner, just yesterday I registered in the Yandex money payment system. I already see a lot of conveniences, you can pay here and there directly through the computer without risking a bank card.
I don't give my passport to anyone! Even then he came to the bank for a loan, but give me a passport - I sent them and said - I give my passport to whomever I want. Didn't get a loan!
Okay, send a passport to WebMoney, here I still trust. But I certainly won’t send a passport to some incomprehensible recently appeared payment system!
What is the problem to send a scan of the passport. After all, you are not afraid to present it at the bank, are you? Not! Payment systems are the same banks, well, in theory so ((
How do they not require documents then? This is if the turnover is small, yes, they don’t require it, but if you want to increase the limits, send the document first!
By the way, PayPal is one of the most convenient payments - registration is simple, no documents are asked, input and output without problems and instantly! It is a pity that it is not very common with us, WebMoney is everywhere ...
There is not much to write about the PayPal payment system! Attach a card to it and that's it! To withdraw funds, you need an account, to replenish a card. A PayPal account is not some number of numbers, but your email address. mail. That's it, I described everything myself ... And one more thing! When funds are received in one currency, it is automatically converted into the one that you have set as the main one.
Please - describe, please, the PayPal payment system in the same way. How to withdraw money from it to the card, how to replenish and other possibilities. Some people don't understand this so much (like me) that it's even difficult for them to register... Thank you.
Great article! With data on commissions and more! I have never used payment systems, this is my first experience. I'm just getting into it! Your site is my faithful assistant in this!
A question for payment system specialists. I am in Donetsk, as you know, we have a war, because there are no banks, no mail. Which payment system to choose completely autonomous. To do everything from registration to work with payments without leaving your computer. We have a business here for transferring and replenishing the account of money (dangle through the front), but it's expensive.
For a formal certificate, nothing is needed, no passport, no age. If you do not plan to turn more than 15 thousand per month, then none of this is required of you.
And what is there to send a passport to WebMoney? They won't let you go without it? And from what age then you can rush there? It's just that I'm 16, but maybe from 18 only?
Certificates in the WebMoney payment system are levels. The more you want to work with, the higher the certificate you need. Everything is very logical and correct, so ...
I didn’t figure out what these webmoney certificates mean and why am I being asked to upgrade them? moreover, each time more and more information is required to be reported about oneself. already reached the point of having to send them a screen of the passport. what the heck?
I've been working with them for a long time and never had any problems. People themselves do something dishonest on the Internet with the help of payment systems, then they are blocked there, and they blame WebMoney for everything)))
What other baths? I have been working with WebMoney for 6 years, and maybe 7! Haven't experienced any bans. Do you know why they get banned? You deceived someone and he complained about you in the arbitration of the payment system, provided evidence. You are being banned! Everything is legal and fair.
Yes, webmoney does not now withdraw money to cards at all! Say thanks to our every inspection body. There was such a cool payment and that's what they turned it into ...
Hello)) And what about the WebMoney payment system in terms of withdrawing funds to bank cards? Is it making payments or has it not worked? Is it costly or within reason?
Even they are already rolling a barrel on Kiwi. Either they want to block the payment, or they are trying to achieve something else. And so a pancake is not fun to live, but they complicate their own life))
Most likely it is Sberbank brake. He has never been quick. You can even see it in online banking. so I know that the money is already on the card, but on the Internet it starts to be displayed only after a day. Is it really impossible to somehow speed up these essentially simple processes ...
and when you replenish WebMoney from a Sberbank card and the money does not come for a long time, is the bank or the payment system to blame?
And what is there to write about Kiwi? It is better to write more about WebMoney - how to display on the card and so on. Or they no longer display on the cards?
good review payment systems. There are not enough QIWI and PLPAL, they are also well used by many. Especially the Qiwi payment!
WebMoney is not to blame, it is the main bank of the country that checks it and therefore there are difficulties that we, users, ordinary people endure. I'll see what happens next with this payment system, maybe I'll look for an alternative.
Withdraw money from Rapida to WebMoney. Usually they came within 3 days, but here they went for two weeks. I don’t even know if it’s worth working with WebMoney after this ...
And it’s always like this in Russia - people already have a hell of a life, but that’s not enough, let’s complicate their life and send the central bank to check WebMoney so that everyone’s payments get up ..
But I attached the card to the WebMoney wallet and the next day payments from wallet to card were closed. What the hell? Now I have to withdraw and pay 3% commission via cellular!!
Wondering how we can help you? Can you still write this question in those support of the payment system?
Unable to register on the website of the WebMoney payment system? Who can help?
Rather, such an exchanger is a brake. I also withdraw through the exchanger (the link does not work) and I receive money within 3 working days. Just try another exchanger, it will probably be faster.
With a pause, I withdraw money through an exchange office - they came in 2 weeks. Is this a normal practice in general, or just such an exchanger got caught?
And I don’t understand WebMoney at all, I use only Yandex Money. Very convenient and most importantly - understandable. Other payment systems are somehow difficult in terms of perception. Everything is easier with Yandex.
I don't know about legal. persons and how it is with payments, but everything comes and goes for me. I have been using WebMoney for a very long time, I buy mostly goods via the Internet, I pay. I have no particular complaints.
and payments from legal entities just as they didn’t come to webmoney, they don’t come ...
I don’t get it either, they’re probably thinking something, such as how to do it to please the Central Bank. How this will all end is not clear, but I think it will definitely be to the detriment of us.
They say WebMoney Bank of Russia is checking, which has led to a temporary halt in the possibility of receiving transfers from legal entities. Who thinks about this? I have 80 percent just translations from legal entities. persons. Everything stands still, I do not receive transfers.
Qiwi is used only by scammers, because the requirements there are not large compared to WebMoney. Therefore, make a choice with whom you work. I am for WebMoney!
Why so many wallets? Someone works with the euro, and someone with the dollar. On the contrary, it is very convenient and webmoney in this regard is an offset !!!
As for WebMoney, I will say that it is a complex system. They have their own arbitration through which ill-wishers can block your account and cause quite a few problems. Qiwi is a good easy payment system, it is very easy to link a card. Everything is tied to phone number easy to use because you won’t forget your phone number, if you lose your SIM card, then calmly restore it, you can block the SIM card and you will be sure that no one will withdraw money. In addition, the application was conveniently installed in the smartphone and everything was set with a pin code and you can make payments without SMS. There are a lot of Qiwi terminals in Kazakhstan, I don’t know how it is in other countries. It’s also convenient just tell the person the qiwi wallet number and you don’t have to rack your brains send in rubles will receive to a ruble wallet send in tenge will receive in tenge, if in dollars then in dollars (I don’t know why there are so many different currency wallets in WebMoney)
I don’t understand why even use these foreign payments like Peiza? Then various problems as a result occur - with translations that have not reached, and so on. What do you think webmoney is not enough???
Tehran, how were the funds sent to you? Was the addressee correct? Where were they sent from? Maybe just wait a little and they will come? Pause itself is hardly the culprit here, rather something else is confused here.
I was sent money from Payza but the money did not reach what could be the problem?
for no reason such services as payment systems, the more webmoney is not banned. probably there were a lot of complaints against you in the arbitration - that's why the account was blocked.
Say what you like, but the WebMoney payment system is natural cattle!!! taken and banned for nothing!!! how to work with these?
With a pause, I withdraw money without problems through exchangers. Thank you for thinking up to use exchangers not just anyhow, but those that the payment system itself offers. By the way, the commission was 5%, withdrew to WebMoney.
You baha probably exaggerate a little. Is there a WMK wallet in WebMoney, which corresponds to Kazakh tenge, or is it no longer the case? In vain you only slander, everything works for you and everything can be displayed and entered.
It's easy to say, but to do... There is nothing in Kazakhstan. There are no exchange offices or ATMs. We live in a fairyland without payment systems...
Everything can be, I'm from Russia and I have no problems with WebMoney. I attached the card - I withdraw / replenish all the buzzing! And if someone is not from the Russian Federation, then you should use those payment systems that are supported on your territory and that's it.
There is a very big minus in webmoney, if you are not a citizen of the Russian Federation, although the mastercard card was issued exclusively in my name ... then, unfortunately, it cannot be tied to the R wallet. and there is no way to transfer money from the wallet to this card .. I don’t know, of course, how it is in other payment systems .. like this ((
With the initial certificate on WebMoney, everything becomes much easier. Not only do the limits increase tenfold, but the cards are attached at the moment. I have just withdrawn from WebMoney 2000r. on a Sberbank card - a commission of 50 rubles, but there, as for commissions, there is from 1.8% of the transfer amount + 25 rubles. That is, if I had withdrawn 4,000 rubles, then the commission would not have been 100 rubles, but about 61 rubles.
that is, when I have an initial passport, can I connect any card, or will it be easier to connect only those that WebMoney itself sells?
here in the comments they write about the fact that you need to scan a bank card in order to connect it to the WebMoney payment system, but you just need to get an initial passport and adding cards will take 1 minute
There is no need to describe the Qiwi payment system. There was a case with them and not a good one. they took and blocked my wallet with money and the amount was not small, I could not return the money - goats in short, do not work with this payment system - a scam!!!
Thank you, basically all payment systems are described and so on, but no, for example, kiwi and paypal - also payment systems are very popular.
webmoney is a normal payment system. not a sharashka of some kind of qiwi wallet, but also with its drawbacks, for example, ordering a card from them is something,% are simply unrealistic.
What did you all pounce on WebMoney? What exactly is there in your opinion? I have been working with this payment system for 4 years, the flight is normal :-)
I use Qiwi wallet to withdraw online earnings. It is convenient and according to the rules of projects, you need to store money on it. WebMoney practically do not use, tricky.
These bills are essentially the same, they belong to the same owner. If covered, then both. You need to use the local system if available :-)
which payment system to choose visa or mastercard? it's just that now everyone is afraid that this or that will be closed. and where I live, only these two work. maybe they will close it, maybe not, but I need to withdraw what I have earned on the Internet
ooo Encod System what is this payment system
After all, you can send money directly when you have earned it on the Internet, i.e. bypassing payment systems. Or am I not understanding something properly?
Without payment systems on the Internet you will not earn. Let's not look at them sideways and discuss the topic of their commissions.
but it has always been and will be so with us, i.e. through w. use WebMoney and do not torture yourself with unnecessary problems.
So it is) Yandex money then had to immediately set and announce such tariffs, that is, initially. Since there were no fees for years, it is now natural for many that this introduction is not to their liking.
subscription fee due to the payment system is normal. when you have an account in a bank, do not prevent them from charging you a certain amount for maintaining an account? the payment system is essentially the same bank account, so you are still not quite right)
webmoney works well! in the course of my work, I had to work nose to nose with all payment systems - webmoney is the most normal of all! Yandex money was also nothing, but after their innovation - subscription fee for inactive users, somehow lost interest ...
From payment WebMoney system there were all sorts of problems, but never at the expense of personal data! Don't worry about this.
I don’t know for sure, but if you use the most famous payment systems, then I think everything is fine in this sense. you need to be careful in the sense that you do not enter your data on some left site, and so, with the same WebMoney, there were no problems of this kind.
But what about the storage of personal data in payment systems? Where do they keep them? Is it reliable and so on? For example, the same WebMoney requires you to send a scan of your passport, and if you don’t want, then a maximum of 15,000 turnover of funds on your wallet. How to deal with this issue? Help someone who knows, I beg you)))
It is also necessary to describe the Qiwi payment system, otherwise RBC Money was described which no one needs, but Qiwi, which every second one does not use, is a mess.
yes, the safety of my money is more important to me than the ease of working with money
Damn people, and when your money disappears from your account, you will like it more. Payment systems do all this for our own safety. So do not roll a barrel on WebMoney, everything is normal and reliable there, and this is the main thing!
how to say, not so easy. For example, I sent a photo of the card itself to WebMoney, the card needs to be confirmed.
to withdraw to a card from WebMoney you need formal certificate, the card is tied to the wallet and you're done, it's still simple, what's not clear there?
Hello. I can’t figure out how to withdraw money from WebMoney to a card. There is a ruble wallet on this payment card, I receive money on it, I have a Sberbank card, how to transfer ???
Why dream? take it and run it, just counting on passive income is stupid. What do you think the payment system is a small site that works by itself and it is unnecessary to touch it? This is a large system that requires a large investment in servers and staff.
I wish I had my own payment system) set it up and get passive income, and the income seems to be huge ... it’s not harmful to dream)))
it wasn’t enough for them to get on the Internet with their stupid laws. personally, I don’t mind paying taxes from my blog, but seeing how this money is stolen in our country, I don’t feel like it at all
I wonder how our legislation allows payment systems to work at all. After all, there is so much "black" money spinning there)) After all, almost all site owners, earning their money, withdraw them through WebMoney - there are millions of monthly turnover, if not billions ..))) And who pays taxes from this ??? no more than 30%
all these "difficulties" because there are laws that any payment system must follow. if you want to turn more than 15,000 rubles a month - please provide passport data (get a certificate), it's not WebMoney itself that invents everything, but our legislation.
and by the way, WebMoney has a lot of problems. why complicate things so much? so I wanted to withdraw money from WebMoney to a bank card - figs will figure out what needs to be done for this. you go from page to page and the further the wiser, why I don’t understand all these difficulties ...
The paycash payment system is a complete trash. If you need a payment, then use WebMoney. They also have their own troubles, but the reliability is good, I have been working with it for a long time.
Has anyone seen the advantages and disadvantages of the paycash payment system? where can i read about it?
Well, if you can make money on a three-wheeler ... you can earn money for a house, you need experience, a sober mind and an understanding of how it works.
Dear Ramis!!!, better drop this idea, what kind of program do you want to download there? don't even think about it!!! ask your parents for a bike, you can’t earn money on it on the Internet !!!
I just started reading today and was looking for articles on how to make money for schoolchildren on the Internet, but I found this page and now I want to make money on the Internet. I don’t know where they will send money to me and what program to download to receive Money. Please help me, I don't understand very well. I want to buy a bicycle.
How can I withdraw money on webmoney? I need a Sberbank card, I read their rules but did not understand how to do it?
Thank you, the main payment systems are described in the kratia, which is what I was looking for ...
Big problems with the WebMoney system arise when you lose access to your mobile and do not remember the answer to the security question. Restoring access is almost impossible... They promise to send a verification code by regular mail, but it never arrives. The only thing left is to go to the office, which is located in Moscow...
In general, I spent a lot of nerves on correspondence with the support service. He waved his hand, forgot about the personal certificate and 5000 rubles on the account, and vowed not to mess with this system for life !!!
Tell me, what payment systems for the online store will be the best option? I plan to open an online store, so I'm looking for information about the most convenient payment system.
and what are the problems on WebMoney password recovery? what's so difficult? the link comes to the mail, I switched - I changed the password and it's ready, how many times I changed it and didn't take a steam bath.
I do not wish anyone to lose the password from the WebMoney payment system. Now restored, it was "fun" ...
Boris, yes, just about her
Are you talking about a single checkout?
Semyon, in my opinion valetvan is an international system, no?
Eugene is absolutely right! PayPal is not to blame, no one asks them! Have you heard about Valetvan, does it work in Crimea??
the fact that the paypal payment system has ceased to operate in the territory of the Crimea, then this is not her idea, this is obedience to the law of the country in which she is registered, what is her fault here?
It was also necessary to describe this terrible paypal service. They took it and stopped working in Crimea, used this payment system for several years, and here, for those gentlemen, get it ..
I found the information of interest about the payment system, thank you, if you also describe other payment systems, it will finally be super!
Look carefully, there you can receive a free SMS code via e-num. Well, certificates in WebMoney are really annoying, but on the other hand, I understand what they are for ..))
well, additional commissions from webmoney have begun, now lay out + 1.5 for SMS with a payment confirmation code, and customers will all scatter,
Personally, I have nothing against the commissions of payment systems. In my humble opinion, this is quite natural. This is a big business and without commissions it is not feasible.
Ivan, yes, with such money that we pay WebMoney, you can overeat. Not the right word, but we don’t have enough for bread. As a result, we do not pay 13% of income, but all 50%. Complicated the withdrawal system. And those who
works on the Internet is it profitable? No. There are huge commissions. Well, that's too much.
Thank you, the article is good, all common payments are described. The answer to the previous one is yes. you need to pay for webmoney, they also want to eat.
Tell me, did I understand correctly that you need to pay to get an initial passport in WebMoney? I got the formal one without any problems, but there is some kind of stupid turnover limit of 15 thousand. I don’t understand why I have to pay the payment system for certificates, if it already earns % from my transactions on me?
Thanks a lot. Very informative article about payment services.
Even I did not understand these certificates on WebMoney. Somehow everything is confused and confused that they cannot in simple terms write what's what, otherwise you'll understand where to go.
I agree 100% about Peiza. You have to take advantage of hopelessness, this is a pipets, it is not for Russia.
My friends, why don't problems ever arise with WebMoney? Of course, there will be problems from time to time, these are electronic systems that will fail sooner or later.
And I have no problems with Qiwi payment, on the contrary, I don’t perceive WebMoney, they are too smart there.
There were also problems with Qiwi, but it is more convenient than WebMoney, so you can work.
There is also the Qiwi payment system, I used it normally for more than two years, and here on you - they just stole 3500 rubles from me, I have been trying to somehow resolve the situation for a month, it looks like my money was crying, do not mess with Qiwi !!!
It sucks that all projects on the network work only with WebMoney, I'm talking about those projects that make money. It’s impossible to really withdraw their pancake from this payment anywhere, and even these all sorts of certificates are there.
Something I'm a little confused with WebMoney, some certificates there, what for all these difficulties?
Yes ... it is written correctly, Pause is a terrible payment system, there is almost no way to withdraw funds in Russia.
Thanks, good compilation payment systems.
Liqpay, aka a single wallet - hellish trash. Every third payment hangs. If we are talking about freelancing, no matter how scary, the customer will pay one way or another. But if you have your own business and need a payment gateway, getting stuck in working with a single wallet (liqpay) is a big mistake.
Capacious and useful article, found what I was looking for in one place. Thanks to the author.
Few people can imagine life without electronic money. With their help, you can make purchases in online stores, pay bills, purchase tickets, transfer funds from one card to another with a lower percentage. What are the most popular payment systems? A list of them is presented below.
List of payment systems
Many liked the idea of paying their expenses with electronic money. The main goal that payment systems fulfill (the list will be presented later) is an instant settlement with a bank or a merchant. Now there are many electronic resources, but not all of them inspire enthusiasm and trust among the majority of citizens. So, here are the most popular domestic and international payment systems:
- "Yandex money";
- "Mail.ru.Money";
- webmoney;
- PayPal;
- Visa;
- Mastercard;
- "Peace";
- perfect money;
- money mail;
- "PRO100";
- qiwi;
- Alipay.
This is not a complete list of services for calculating electronic money. But they are most often used by clients. Below is the TOP-5 systems that have won the trust of consumers.
"Yandex money"
In the Russian Federation it is considered the most famous. The main currency is the ruble, but this did not affect the great popularity among the population. It is distressing that Yandex.Money does not allow its customers to pay for goods and services abroad. However, Russian online stores prefer domestic electronic payment systems. According to statistics, Yandex.Money occupies a leading position in terms of payment for services and goods in World Wide Web in the vastness of the homeland.
The advantages of this system include the possibility of replenishing the account by transferring funds from an individual. In addition, the undoubted advantage is a simple and intuitive functionality.
webmoney
International payment systems, such as Webmoney, are also in demand. Such a service offers to make payments in various currencies. However, the high reliability of the system does not compensate for the difficulties in registration. That is why many beginners prefer to turn to another service “for help”. High security for customers - important aspect when making financial transactions. This is exactly what Webmoney guarantees.
Let the service have many advantages, but popularity abroad is not as high as in Russia and the CIS countries. According to many users who refused to use this system, here is a very inconvenient currency exchange process. Safe payment systems, the list of which is presented and which includes Webmoney, must sacrifice convenience in the name of the reliability of money transactions.
PayPal
The oldest one has also entered the most popular electronic payment systems. This is PayPal. It was founded in 1998. The advantages of the service include a variety of currencies with which you can conduct monetary transactions. In total there are about 24 species. According to experts, PayPal is used in 190 countries around the world. By the way, it is this service that customers prefer to use when paying for orders in foreign online stores. In addition, it is rare that a virtual auction is complete without payment by PayPal.
Why is this system so popular? Its high reliability and convenient functionality won the hearts of millions of users. The disadvantages of customers include the impossibility of entering their personal data. Also, not all countries accept electronic money from PayPal.
"Peace"
In 2014, the government of the Russian Federation decided to create a service completely independent of Visa and MasterCard. The reason for this decision was the imposition of sanctions on domestic enterprises and banks. This is how the national payment system "Mir" (NPS) appeared. It has been carefully designed to provide convenience, accessibility and reliability for transactions for all residents of Russia. The service belongs to the Central Bank of the country. NPS developers guarantee the uninterrupted and secure conduct of various types of transactions on bank cards. Thanks to the Mir service, you can perform typical operations, namely:
- cash withdrawal;
- making mobile and contactless payments;
- payment for purchases in retail chains.
The main advantage of the NPS is the impossibility of the situation in the international arena to influence the current state of affairs. Accordingly, Russian citizens need not worry about access to their savings and funds to pay for services and goods.
Visa
Visa is a payment system widely used in America and Australia. If you try to pay with this card in Europe, then sometimes there may be problems with the terminal, since here they prefer to use a direct competitor of MasterCard. However, according to statistics, 70% of customers use Visa's service, while only 30% use its "rival".
To date this card accepted in 166,000 locations throughout Russia and 36,000 ATMs. In 200 countries around the world are ready to accept Visa for payment. This service indeed considered the largest and most famous.
Clients of the system can order one of the types (or all types) of Visa:
- Visa Electron;
- Visa Classic;
- Visa Gold;
- Visa Platinum.
The presence of so many types of cards allows us to attribute this fact to the indisputable advantages of the system. Thanks to this, you can quickly make purchases, order tickets and immediately pay for them.
As already mentioned, the payment systems, the list of which was presented in this article, are very convenient for carrying out typical financial transactions. However, experts recommend not to keep all the savings in electronic form, since now there are a lot of scammers on the Internet.
Electronic payment systems are becoming an increasingly popular financial instrument. The ability to manage your payments and expenses from any device and make any payments online is far from full list functions of electronic wallets.
Today, the list of payment systems includes several dozen items, but only a few are recognized as the most reliable and convenient. Those who have decided to open an account in such a service for active use should first familiarize themselves with the features of each wallet.
Visa Qiwi Wallet
Opens the list of payment systems Qiwi wallet. The electronic service Qiwi Wallet is not in vain in the first place - it is a convenient and functional multi-platform tool. The Qiwi group was formed in 2007 in Moscow. Since then, the company has managed to acquire its own bank, went international and launched co-branded products with Visa.
Today, the Qiwi payment system has tens of millions of users around the world. Qiwi wallet holders can make utility and other types of payments, repay loans, make transfers and pay for purchases on the Internet and applications. This is not all the possibilities of the wallet! At the same time, the account in Visa Qiwi Wallet matches the owner's phone number, and the level of payment security allows you to be sure of the safety of funds.
WebMoney Transfer
Wallet WebMoney does not lead the list of electronic payment systems, but firmly holds leading positions in some individual articles. First of all, this is the most popular way to make currency transactions on the network. IN WebMoney Keeper available for opening an account in US dollars, euros, hryvnias and other monetary units.
To open an account, it is enough to install a special keeper on a computer or on a mobile device. The developers guarantee compliance with all security requirements, and therefore some calculations require passport data, and each operation is confirmed by a password.
It offers users numerous features and services, partnerships between large companies and a user-friendly interface. The specificity of this wallet is the ability to exchange currencies. The course, of course, is not the most profitable, but sometimes such a service is very useful.
"Yandex money"
In 2002, the Russian browser "Yandex" released its next product - a system electronic payments"Yandex money". In the same year, the project received an official bank certificate as a service for electronic payments and bank transfers, overtaking other payment systems in this matter. The list of users of "Yandex.Money" has 18 million people, and every day this figure is replenished by 12 thousand.
Users can install a payment system wallet on a mobile device, on a computer in the form of a program, or use the service online. Wallet owners can pay for purchases, receipts and bills. At the same time, funds are debited at the user's choice either from an account in the payment system or from a bank card. In payment terminals using Yandex.Money, you can select the desired provider and complete the transaction using cash.
One of the features of the Yandex service is the ability to make payments to unregistered users. Official wallet owners can order a plastic card linked to the Yandex.Money system and set up reminders.
All of the above sites are included in the list of payment systems in Russia. Often, Internet users have to resort to the services of international systems for settlements. As a rule, most foreign online stores and applications work with PayPal.
PayPal
This is the undisputed leader, which bypasses other electronic payment systems in world rankings. List of owners PayPal wallets is more than 170 million people. The system is recognized as very convenient and safe. But the electronic service is not very hospitable to the inhabitants of Russia and a number of countries of the former Union.
Some operations are still not available to a resident of our country. And if we take into account the list of available currencies for settlements in the system, then a rather strange fact was the long absence of the ruble, but the presence of 18 other currencies, including the Hong Kong dollar or the Polish zloty.
Nobody concealed the reasons for such measures in PayPal. The point is distrust of the inhabitants of Russia and an attempt to protect the system from scammers and violators, who, according to the creators of the service, live in abundance in the Russian Federation and the CIS countries.
Payment systems are a convenient modern service. The vast majority of users believe that the future is behind such technologies. The list of payment systems is constantly updated, and existing projects are evolving and improving. If someone still does not have a wallet in electronic service payment system, then they must be acquired.
1. What trends in the use and development of payment instruments could you note in recent years?
Marat Abasaliev, pay online
Before the crisis, we experienced a steady growth in card payments - buyers began to trust online shopping more and finally appreciated the convenience and benefits of online shopping.
One of the fundamentally new technologies is the introduction of contactless payments. International payment systems have introduced Visa payWave and MasterCard PayPass, which allow one-touch payments in POS-terminals in supermarkets and shops. Also, one cannot fail to note the first confident steps of world payment systems in the field of electronic wallets - V.ME from Visa, MasterPass from MasterCard. They allow you to combine several payment instruments under one "pay" button.
Do not forget about the growth of payments from mobile devices (smartphones and tablets). According to PayOnline, in 2015, almost 40% of online shoppers made purchases from mobile devices, and in 2016, judging by the trend, more than half of payments will be made on smartphones and tablets.
P2p transfers continue to gain popularity, including through social networks and instant messengers. Many users still have doubts about the security of transferring money through messages, but data encryption is coming to the fore. new level- instant messengers are starting to fight for the title of the "most secure" method of communication, so we can expect that soon this method of money transfer will become quite commonplace.
Sergey Belyaev, RFI Bank
There are not so many main trends. Firstly, business goes online: communication with customers in a language they understand and on a platform they are used to. Moreover, offline does not die, but is integrated into this process. Secondly, the growth in the use of contactless payments, especially in super- and hypermarkets. Not only is it fashionable, it cuts down on cash registers by a few seconds. And a second on one client is already a big plus. Thirdly, the spread of mobile card readers, pinpads and other things. A small device allows you to accept a card wherever a smartphone can go online!
Igor Nazarov, Shopolog
In recent years, a number of trends have been stably maintained: the growth of sales via mobile phones, the increase in the share of non-cash payments, the entry into the electronic payment market of companies that have never provided financial services before, and the simplification of tariff scales.
Among the latest trends, one can single out an increased demand for customization (niche solutions) of payment services for various online stores (small, medium, large; with a call center, offline representation, subscription sales, etc.).
Maria Mikhailova, National Payments Council
Using payment cards for settlements, not for cash withdrawals. In 2015, people were 41.5% more likely to use a card to pay for goods and services than in 2014 (according to the Bank of Russia). An increasing role in the development of infrastructure is played not by its traditional components that provide offline interaction, but by online payments: on the Internet and using mobile phones. There is currently no independent data that would allow seeing not only the state of the national payment system at the macro level, but also tracking consumer payment behavior.
Dmitry Spiridonov, Cloud Payments
The trend is everything related to mobile phones. Recurring and recurrent payments, an adaptive form for any device, linking a card to NFC technology, custom solutions for online business, without dependence on payment systems and PCI DSS.
Vyacheslav Fedorov e-MoneyNews
Over the past 2 years, there have been investments in payment technologies related to QR codes, mobile payment through NFC solutions, using an account with a telecom operator as a source of payment for small amounts of transactions both online and offline.
Vitaly Tsigulev, Digital Finance
Firstly, the entry of many fintech startups into the market, their confrontation and partnership with traditional banks. For example, in the field of accepting payments on websites, banks have long lost ground to Internet companies. According to some studies, only 10% of merchants have direct access to payments through a bank, while the rest work with payment gateways or payment aggregators. But in the Russian realities of very careful regulation of all processes related to money, it is rather difficult for startups to develop without being an independent bank, part of it, or an NPO. Secondly, perhaps the main trend is the blockchain (a chain of connected blocks, each of which contains a hash of the previous one and is processed on distributed servers). One of the first large-scale implementations of this technology on the Russian market was recently launched by the National Settlement Depository: the organization switched to the blockchain system of electronic voting of bond holders. So far, not everyone fully understands the technology of a distributed ledger, and how exactly it should be applied in each specific case, but listening to experts and following Western colleagues, more and more large financial organizations are starting to invest in this area.
2. What, in your opinion, are the most promising areas for further development of mobile payments? For what purposes will they be used? Who will be the main user?
Marat Abasaliev, pay online
Mobile operators will continue to try to "hook" subscribers to use the SIM-card as a payment instrument. Here we foresee serious competition with Apple Pay, a technology that allows wearable devices and smartphones to be used as a full-fledged means of payment for both online and offline payments. In pursuit of Apple, players appear that provide a similar opportunity to pay via NFC together with Internet payments. In terms of functionality, Apple devices and their competitors are on the same level. The choice of users will depend on additional options, price segment and, of course, the brand.
Another notable trend is e-commerce in social networks and instant messengers. You won’t surprise anyone with an online store on Vkontakte or Instagram, and until recently, these social networks acted exclusively as a showcase and a channel for communication between the seller and the buyer. Now we see solutions to turn a public or community into social network in a full-fledged online store. This is a great solution for those who have gained a customer base from subscribers over the years and can now conveniently convert it into sales without redirecting customers to the online store page.
Igor Nazarov, Shopolog
The idea of messenger applications, where you can chat, get all the necessary information and make a purchase, looks quite interesting and promising. Most recently, the chairman of the board of directors of Yulmart, Dmitry Kostygin, announced the creation of a similar messenger for the purchase of goods. With world development mobile technologies and messengers, it is quite possible to expect soon the integration of payment instruments into popular apps WhatsApp, Facebook, Viber, Telegram and others.
More comprehensively, mobile payments should be used in conjunction with other important elements of e-commerce - loyalty, special offers and rewards.
Maria Mikhailova, National Payments Council
First of all, the mobile phone will replace self-service bank terminals. Secondly, the phone becomes a material carrier for a bank card. The less effort required from a person to “turn” a payment card into a “phone”, the more likely it is that payments for small amounts and made in a “rush” will be made by a “phone”. This is payment for business lunches, taxis, everyday purchases. The third is payments using funds on the account of the telecom operator. mobile connection, parking, p2p transfers.
Dmitry Spiridonov, Cloud Payments
The tourist segment, air tickets, carsharing, medical services is gaining momentum.
Vyacheslav Fedorov e-MoneyNews
Mobile payments are different from each other, and each type is promising in its own market segment. Firstly, mobile payments, which allow payers to operate a subscriber account with a telecom operator, and are used for payments both on various sites (games, online cinemas, online stores) and offline (vending machines, TV shows, paid parking etc.). Secondly, mobile payments, which use a bank account as a source of money, and an NFC chip as a payment interface. The latter allows you to use a fairly extensive payment network of Visa and MasterCard, built thanks to the banking network for receiving payments (shops, transport, vending machines, etc.).
Largely mobile tools now used by "innovators", and in some segments by the so-called "early adopters". The main increase in demand from the "early majority" will be later. One of the growth drivers will be betting companies that have been allowed to collect bets via the Internet, providing their services online.
Vitaly Tsigulev, Digital Finance
An important trend is the emergence of mobile payment systems such as Apple Pay, Android Pay, Samsung Pay. I would not write about this if it were not for three events that took place one after the other with approximately equal intervals. First, Samsung announced the launch of its payment service in Russia in the middle of this year, then information was leaked that Apple was in talks with leading Russian banks to launch its wallet at the end of 2016, and then Yandex.Money announced that now you can pay using NFC, using MasterCard Cloud-Based Payments (MCBP) technology directly from mobile application and accounts in your Yandex.Money account.
3. What are the main restraining factors for the growth of the payment instruments market and possible ways fight them?
Marat Abasaliev, pay online
All attention is now riveted to the banking sector. Acquiring banks, direct participants in processing, processing payments, in currently experience more severe influence of the regulator represented by the Central Bank of Russia. Those processors and payment aggregators who, in pursuit of profit, have chosen less reliable banks as partners, giving more “interesting” commission rates, today risk being left without acquiring banks at all. At the moment when the bank loses its license, the payment aggregator rushes in search of a new partner, but even a week-long downtime leads to an outflow of customers. The concentration of players is growing, the market is monopolizing, and online stores are the first to suffer - they go to new payment partners on different terms and again spend time and money connecting to a new partner. The current crisis is causing the e-commerce market to take a step back - merchants are leaning back in favor of cash payments, reducing their costs.
The solution that will be most effective at the moment is a constructive dialogue between the Central Bank, the Electronic Money Association and professional market participants. The market of payment instruments still has a long way to go - it is necessary to simplify and optimize many processes, but due to the influence of many third-party factors, this is not as fast and easy as everyone would like.
Sergey Belyaev, RFI Bank
The main limiting factor in the growth of the quantity and quality of tools is the incomplete understanding of these tools on the part of users. It is indicative that the majority of Russians withdraw money from salary card on the first day they are charged. And we should rather not fight this, but work with the population in order to help, remove objections and explain all the advantages.
Igor Nazarov, Shopolog
Currently, there are no particular deterrents that can fundamentally affect the payment instruments industry. Retail and payment solutions go hand in hand, the development of the former necessarily affects the latter. The desire to provide a quality product and service is always rewarded with a sale. The same applies to payment solutions - how convenient, understandable, profitable the service is, so it is in demand.
Maria Mikhailova, National Payments Council
It is more correct to speak about the growth of non-cash turnover. The concept of the market is redundant in relation to payment instruments. A payment tool is just a way to initiate a payment and, by and large, it doesn’t matter how exactly this happens: a person inserts a card into a POS terminal or a kettle itself generates debits of funds to pay for the energy they consumed according to a given algorithm.
Non-cash turnover should be recognized as a priority of economic policy. Only then will it be possible to use the obvious advantage of non-cash payment: the electronic nature, ensuring its full transparency, which is not used today. A cashless payment will become economically beneficial due to paperless interaction with the buyer and regulatory authorities, reducing the cost of administering payments, and other things. This will give impetus to the development of all forms of payment instruments. The payment instruments segment must be extremely competitive. Only tough market competition in this area will provide the consumer with the quality and security of payment services. And the third important component - it is necessary to build a modern infrastructure for identifying payers. Anonymous payments will quickly become a thing of the past.
Dmitry Spiridonov, Cloud Payments
First, payment technologies with innovative solutions are difficult for small and medium-sized e-commerce businesses. Large, historically established players in the payment market do not undertake to solve the needs of newly created projects, start-ups, small and medium-sized companies, especially without a confirmed turnover. Or solve them not fully and for an additional fee.
Secondly, at big business e-commerce no simple solution, which allows you to independently manage the payment infrastructure without obtaining a PCI DSS security certificate. At the same time, any need to change the payment solution (customization, design, placement, field adjustment, etc.) requires the execution of a separate TOR, followed by labor-intensive implementation on the side of the payment service.
Thirdly, the low conversion rate of payments. The reason lies in many details, including cumbersome anti-fraud protection settings, rules on the side of the payment service itself, as well as an outdated and incorrect payment process algorithm: with extra fields, steps, transitions, etc.
Fourthly, the lack of a complete set of payment instruments in one solution for accepting bank cards online, with 100% confirmed working cases. Often, the technical capabilities declared by existing payment services are not implemented in practice, or are only at the development stage.
Finally, existing processing centers do not have modern technologies fault tolerance, while abroad they are constantly being developed and implemented, in world experience this is a constant trend.
Vyacheslav Fedorov e-MoneyNews
The limiting factor is the unpreparedness a large number business (retail) players to switch to full transparency of their activities. They continue to evade taxes by accepting cash.
Over the past 1.5 years, the Central Bank and Rosfinmonitoring have greatly reduced the level of "cashing out", which stimulated the growth of non-cash mutual settlements. In addition, the Central Bank, the banking sector, Visa, MasterCard and NSPK payment systems, as well as telecom operators are actively popularizing electronic payment instruments, both by engaging in educational activities and marketing activities, and by introducing legislative restrictions on working with cash.
4. Are there any difficulties with changing the consumer habits of users when introducing new technological solutions to payment instruments, and if so, which ones? What methods are used to influence the end user to change his habits?
Marat Abasaliev, pay online
While understanding the technology is getting easier - new solutions involve intuitive interfaces, then trust can still be a problem. UX has become one of the “pillars” on which payment innovations are based, sometimes it is enough to press one button to make a purchase. But the security of data and its protection from intruders and not only are questioned.
In order to convince the buyer to make a payment in one way or another, it is necessary, firstly, to give him as much information as possible about what protects him, and secondly, to enlist the support of partners - well-known brands. If a customer sees their favorite world-famous store offering a new payment method that has been tried by many other customers, their confidence will likely grow. In addition, technology dictates its own terms, for example, if you trust biometric data (fingerprints) when locking your smartphone, then you are more likely to be ready to pay in the same way.
Igor Nazarov, Shopolog
The habit of using one or another payment instrument can be developed only with frequent positive experience, both one's own and the user's close circle of communication. Wide distribution of the solution, confidence in a successful transaction, high-quality support - all this contributes to a change in user preferences.
Another important factor is the channels and formats for delivering information about new technological solutions. Statistics show that young people aged 18–25 are most actively trying out new services and solutions. This factor must be taken into account when promoting the service.
Maria Mikhailova, National Payments Council
They arise, but they do not carry any special marketing specifics. The peculiarity of payment services lies in a slightly different plane. Cashless payment competes with cash payment not only at the level of consumer choice, but also at the “corporate” level. What benefit will the store receive from accepting new payment instruments for payment? What benefit will the company receive if the accountable funds are transferred to cards, and not issued in cash? As soon as the real economic feasibility is found - and these can be a variety of motives, from strategic and image to reducing the cost of document management - solving the problem of consumer habits becomes a matter of competent marketing.
Dmitry Spiridonov, Cloud Payments
This question should be asked to online stores. They make a management decision on any implementation of anything because it is their user audience. She trusts, first of all, the online store, and they know how to communicate with her.
Vyacheslav Fedorov e-MoneyNews
According to the indicators of the Central Bank, it can be seen that consumers are increasingly using cards as a means of payment and transfer. This indicates a gradual change in the minds of the consumer and a decrease in distrust in this payment instrument.
The growth rate of non-cash payments is reduced by fraudsters who open one-day companies (travel industry, Forex market players, builders of financial pyramids, etc.), collect payments through their websites and disappear. Cybercriminals also cause very irreparable damage to trust in electronic means payment.
5. In your opinion, will biometric authentication methods be developed and, if so, in what time frame? What are the main obstacles to this?
Marat Abasaliev, pay online
Biometric authentication methods are already being developed. A few decades ago, such technologies were more of a fantasy than a way of life, but today we quietly hand over fingerprints when applying for tourist visas, and schoolchildren pay for lunch using Ladoshka, a Sberbank biometric service launched last year.
The main obstacles to biometrics are defensive psychology and outdated technology. First, users do not want their biometric data to end up in common databases. Even those who do not plan to become an international criminal and hide from intelligence agencies do not like the idea of getting into a corporate database and losing the ability to maintain privacy, because changing prints or capillary patterns is much more difficult than changing a SIM card or a servicing bank.
Outdated technology is also a challenge in the small and medium b2c segment. Great example mass market transition to new technologies is how American retail outlets have been switching to chipped card-enabled merchant terminals for many years. So it is too early to talk about the mass transition of users to biometrics. But we are confident that projects will appear one after another, with increasing frequency, and the biometric authentication technology itself will become commonplace within 5-7 years.
Sergey Belyaev, RFI Bank
Will receive. Undoubtedly. For example, what is a bank card? It is a way of identifying a person. It is natural to expect that identification should be simplified. Why do I need crutches in the form of a card, passport or other identifier for the identification process? Perhaps soon it will be possible to pay for purchases by blinking, shaking electronic hand or something else. What prevents this? Technology and habit.
Igor Nazarov, Shopolog
Paying with an Alibaba selfie) or a fingerprint (Samsung) and so on are still technologies that require serious improvements. Transaction security is the main condition for a payment instrument. So far, these technologies can be considered as some kind of prototypes, on the basis of which, in the future, the infrastructure for biometric authentication when making online payments may be built.
Maria Mikhailova, National Payments Council
This is an obvious trend in the development of the institution of identification and authentication. The main barriers are in the socio-cultural plane. This is the area in which, in no case, it is impossible to allow the advance development of technologies in relation to the “mental” or “social” readiness to use them. The implementation process should proceed carefully and gradually. It is important that both the methods of contesting the results of identification and the methods of protecting the individual develop in parallel. But, apparently, the necessary methods will be developed first in areas not related to payments, perhaps, for example, in medicine.
Dmitry Spiridonov, Cloud Payments
Yes. There is a very cool technology created by Sberbank. Palm payment. By the end of 2017, it will be distributed in the same way as PayPass.
Vyacheslav Fedorov e-MoneyNews
Now different kinds biometric authentication (fingerprint, face, voice, palm capillary pattern recognition) are being implemented around the world, and examples of these projects can be found. These are investment projects. And only market leaders with sufficient funds to develop and implement these technologies can afford to implement these solutions during a crisis. As with cards, the market will have to get used to new ways of accessing finance or information.
6. How do you assess the influence of the state on the market of payment instruments?
Marat Abasaliev, pay online
First, it is the regulator of the Central Bank of Russia. Secondly, this is the influence of the Ministry of Telecom and Mass Communications - the requirement to place servers on the territory of the Russian Federation has greatly influenced e-commerce in our country. Thirdly, do not forget about the state initiative aimed at protecting Russian buyers from the so-called "sanctions" from international payment systems, namely the introduction national system payment cards "Mir". As a result, we can see the global influence of the state on the market of payment instruments, although many nuances and minor points are still in question and can be interpreted in two ways from the point of view of the law.
Igor Nazarov, Shopolog
In the last year, Internet business and online payments have received close attention from the state: a lot of initiatives and bills, some of which are seriously worrying industry representatives. For example, a bill on new rules that apply to cash registers(transition to online checkout). At the same time, the authorities are planning to seriously toughen the responsibility for trading without cash registers. I don't think it's just a coincidence.
During the first quarter of 2016, the Central Bank revoked licenses from 37 banks. Naturally, this fact makes entrepreneurs play it safe by connecting two or more payment solutions, choose partners more carefully, study the market, because, as practice shows, even the most well-known solution can have problems.
Maria Mikhailova, National Payments Council
The influence of the state on the level of non-cash payments and the payment services market is always great. The state is one of the main beneficiaries of the high share of non-cash payments.
If we are talking specifically about payment instruments, then the legislatively fixed division of payment instruments into nationally significant and all the rest does not seem to be the most effective tool for the development of the Russian payment industry.
Dmitry Spiridonov, Cloud Payments
Not at all. I do not see any positive involvement of the state in e-commerce, as, for example, it is done in the USA. I also do not see any participation that is harmful.
7. What positive and negative consequences can the introduction of a wide circulation of cryptocurrency entail? What are the prospects for the development of blockchain technologies?
Marat Abasaliev, pay online
As German Gref noted several years ago, “cryptocurrencies are a very interesting international experiment that breaks the paradigm of currency emission.” Nevertheless, today Russia is one of the most unfavorable jurisdictions for users of cryptocurrencies in the world: in addition to a ban on their use, the possibility of introducing criminal liability for the use of cryptocurrencies is being discussed.
From the point of view of the state and society, the possible negative consequences of using cryptocurrencies are the risk of their use in the trade in drugs, weapons, forged documents and other criminal activities, as well as for the legalization of proceeds from crime, the financing of terrorism and the uncontrolled cross-border transfer of funds and their subsequent cashing out. Strengths cryptocurrencies are obvious: complete decentralization, independence from the political and economic situation in the world, unprecedented security of payments, system stability due to the growing distribution of capacities. It is also worth noting that bitcoins are just handy tool payments in the modern world. And use it for good or for evil this tool decides for himself.
Blockchain is a very interesting and promising technology, which could help solve a number of problems relevant to Russian fintech. But due to the ban on the issue and use of cryptocurrencies in Russia, it is also impossible to create Russian products built using this technology. This limitation is due to the fact that today only the Bitcoin blockchain is truly secure, having both huge computing power and a relatively even distribution of “miners” who are responsible for calculating complex keys.
Igor Nazarov, Shopolog
With the widespread adoption of blockchain technologies, the traditional financial services market may undergo major changes. Moreover, the question of the expediency of the existence of banks and other services will be raised.
The Central Bank unequivocally voiced its position regarding the blockchain: “We are for the technology with all hands, but against money surrogates.” However, the introduction of technology requires a deep study of all the details and the creation legislative framework. At the moment, there is still a lot of work to be done to make this vision a reality.
As for cryptocurrency, the market is adjusting to the consumer, and the consumer is now looking with interest towards everything new. With a positive decision of the regulator, for the wide popularization of cryptocurrency, a serious impetus is needed, associated not only with its introduction as a payment method, but also with extensive information support.
Dmitry Spiridonov, Cloud Payments
Cryptocurrency will have an impulse life. In Russia, it will definitely never be introduced. Blockchain technology is cool. In some form, they will definitely be applied.
Vyacheslav Fedorov e-MoneyNews
Now they are trying not only to consider the use of blockchain technology, but also to actively implement it in many projects. Blockchain technology avoids the inconspicuous change of information and documents, and this will help many industries when working with information online.
Records in the blockchain are decentralized, stored on different computers and are verified by the network participants, and not by the controlling body.
Vitaly Tsigulev, Digital Finance
Blockchain, Bitcoin and smart contracts are by far one of the most promising areas in modern payment technologies. It would be more correct for Russian legislators to regulate the circulation of cryptocurrencies instead of a ban, the implementation of which cannot be controlled. Moreover, cryptocurrencies and blockchain are very interconnected, and often any blockchain project has its own internal currency for settlements. And it is not yet clear how to deal with the position of the Central Bank in this situation, according to which the blockchain is good, and cryptocurrencies (money surrogates) are bad.
8. Are you aware of upcoming mergers/acquisitions of players in this market? Are radical changes in the current market situation possible? What could be the external reasons for this?
Marat Abasaliev, pay online
It is unlikely that we will see radical changes in the next couple of years. Competition from banks is too strong, there are several really large players on the market, and there are many small ones that have appeared due to low entry thresholds. There is a trend towards dumping - only the leaders can afford to go for it, so, perhaps, the market will thin out - hold on for a long time low prices during the crisis, small businesses are unlikely to be able to. Of course, consolidation is needed. Most likely, in the struggle for market share for the purpose of synergy, it will take place among large players, and this is justified.
Igor Nazarov, Shopolog
There is a high probability that there will be mergers and acquisitions. The market is aggressive and forces to develop, sometimes faster than the company can afford. If this happens, then a choice arises - to go into niche solutions or continue development, but already, perhaps, in the team of a former competitor.
The situation is also fueled by competition between payment systems and acquiring banks, which are now actively developing their client divisions and are starting to connect large companies directly.
Dmitry Spiridonov, Cloud Payments
There will always be changes. The most dynamic ones, working for high quality service, will set the trend and keep the “old men” of the market from relaxing.
Vyacheslav Fedorov e-MoneyNews
Some mergers / acquisitions are now taking place as a result of the strengthening of the positions of banks in new niches for them. In some cases, the situation has developed in such a way that the payment system was left without an institutional foundation (the license was revoked / reorganization of the bank) and was forced to look for a strong partner and promptly conduct a transaction so as not to lose market share.
9. How does the Russian market reflect the changes taking place on the world market?
Marat Abasaliev, pay online
In terms of technology, the Russian market is not lagging behind, and often ahead of, the developed markets of Europe and North America. So we can confidently say that Runet responds to the technological challenges of the global fintech quickly and with dignity.
But there are issues that business does not have the opportunity to influence - this is state regulation and financial conditions of international payment systems. We have already talked about the regulation of cryptocurrencies, so we will not dwell on this issue.
An important difference Russian market are the financial policies of international payment systems. Unlike Europe, where the size of the interchange fee [interchange fee] is gradually decreasing, in Russia it “hung” at the same level. Today, we do not yet have data on the conditions that the Russian payment system Mir will offer players in the Russian e-commerce market, but we assume that the pricing logic itself will differ from the logic of VISA and MasterCard, and the cost for business is unlikely to be significantly lower.
Igor Nazarov, Shopolog
The devaluation of the ruble and the rise in price of most goods in 2015 gave a new round of development for cross-border trade. Large Chinese companies are gaining a foothold in the Russian market, thereby forcing out intermediaries. Regular mass discount promotions provide them with high consumer demand and wide media coverage.
Maria Mikhailova, National Payments Council
One of the global trends is finding the right balance between the global nature of payments and the need to maintain local control over them. This trend is also relevant for the Russian market. The bottom line is finding the right balance. It is important not to reflect the changes taking place in the world market, but to be a part of this market and a source of change.
Dmitry Spiridonov, Cloud Payments
We have an amazing country, and this does not allow 100% to talk about the reflection and application of something new from the world market. A lot of things don't stick. A simple example - 3D-secure is not used in America the way it is done in 99% of cases in Russia.
Vyacheslav Fedorov e-MoneyNews
The Internet and the current situation with the ruble exchange rate allow us to enter global sales markets and sell goods or provide services while being in the Russian Federation. Now is the time to seize the opportunity that has arisen.
10. Is it possible, in your opinion, to significantly reduce the share of cash use due to the transition to cashless payments? What are the main deterrents to this?
Marat Abasaliev, pay online
Now the crisis is still playing against non-cash payments, so we cannot talk about a really significant decrease in the share of using cash. Yes, there is certainly an increase in online payments, but in the next couple of years it will be rather inorganic due to an increase in cardholders and an increase in Internet penetration in the country. In addition, the implementation of the Mir payment system requires technical improvements to payment systems, which will take time. Most likely, Mir’s functionality in the first year will be limited to cash withdrawals, and this will also become a deterrent to the development of online payments.
Sergey Belyaev, RFI Bank
Cash will someday almost completely disappear or be reborn, as is the case with paper books. With the rapid development of the Internet and technology, they predicted the death of the book, but death did not happen. Books have become more expensive, more beautiful, more prestigious. Paper and metal money will also be reborn.
Igor Nazarov, Shopolog
The increase in the share of cashless payments on the Internet occurs every year. This process is slow, but growth is stable. Moreover, the growth occurs not only in bank cards, but also in the use of mobile devices for payment, and payment systems. There is a high probability that in large cities cashless payments will dominate over cash in a few years.
However, there are a number of factors that slow down growth: low levels of financial literacy, fear of losing control over spending, fear of fraud. As a rule, these factors are most noticeable in small and medium-sized cities.
Maria Mikhailova, National Payments Council
Cashless payment should have obvious advantages over cash. Like a mobile phone before a landline. Due to its nature, non-cash payment is a hostage of indirect regulation, those barriers that arise at the junctions of regulation, both in various industries and in various spheres of economic life. If the level of cashless payments is not a direct priority public policy, then there is only one way to remove these barriers: industry analysis, the formation of an industrial position on each key constraining factor, making changes.
Felix Muchnik, soft key
A decrease in shopping activity leads to a search for more economical and budget-friendly places to shop. And such places quite reasonably become online stores, where digital content is the very inexpensive, but necessary product for the consumer. What we see: there is a product, there is money to purchase it, but there is no education for the mass consumption of legal digital content and the use of non-cash payment methods when buying goods and services in online stores. Yes, a lot of work in the field of introducing buyers to plastic cards already done, but there is still a very wide stratum of those who choose cash. And this very education should be done by banks and small businesses, creating special conditions for the transition to cashless payments and making payments as convenient and inconspicuous as possible for the user, thereby developing in him the habit of precisely this method of payment.
A good example of creating such conditions is the Yandex.Taxi application. In it, we simply link our card through a mobile device and use taxi services, and we do it on more favorable terms than those who choose cash. Thanks to such a system, we can talk about an increase in the number of payments for plastic. A person begins to understand how convenient such a system is, and eventually uses it automatically. In addition, the application has an excellent service - the ability to pay tips for the driver also using a cashless payment. This is an amazingly simple and incredibly convenient thing, which, in my opinion, should be implemented in any service industry. And first of all - in cash receipts of restaurants. Why has this practice become the norm around the world for a long time, and we are still engaged in the promotion of cash? After all, non-cash payments are easier to control, and they calmly move into the taxable zone.
Another excellent and relatively recent example is that of Utkonos. As soon as banks were allowed to hold money on cards, Utkonos provided its couriers with devices - terminals for instant payment on the spot using cards. And this immediately significantly reduced all sorts of inconveniences that could arise for both the buyer and the seller: a variable amount of payment when paying for the goods, the lack of cash for payment, the lack of change from the courier, the lack of the temptation to “not deliver” the received cash, etc. The more opportunities there are to pay with plastic or any other non-cash payment method, the faster the refusal of cash will be carried out. And this growth should be ensured, as mentioned above, by banks and small enterprises. Yes, portal public services accustoms the inhabitants of our country to non-cash payments, the percentage is undoubtedly growing, but the process would develop much more dynamically if, along with this, security from banks and enterprises would also develop.
Let's not go far and remember the example of buying air tickets, which became the first serious purchases by non-cash payment. People, having tried it once, began to actively use this method in the future. As soon as Russian Railways introduced the possibility of purchasing tickets using non-cash payments, people actively began to purchase tickets in this way. Aeroexpress, in general, acted wonderfully, in my opinion: it offered customers to purchase tickets using non-cash payments on more favorable terms, making the cost of tickets lower than at the box office of the station.
Thus, we can state the fact that the state and consumers are the least to blame for the lack of a rapid growth in non-cash payments and plastic payments. And most of all, this should be facilitated by the enterprises themselves, introducing additional conditions for stimulation, and banks, which should stimulate non-cash payments at enterprises.
Dmitry Spiridonov, Cloud Payments
There are no limiting factors. There is a problem in the mentality of our population. The cache will die. If Central Russia pays quietly on the Internet, then the population to the right of the Ural Mountains is only learning not to withdraw cash from an ATM, but to buy something in a store using their bank card.
Good afternoon dear friends. After analyzing the information that you can see on our website, we came to the conclusion that one extremely important aspect of successful financial activity in international markets has previously remained beyond our attention.
We are talking about such things as electronic payment systems on which traders store funds and to which they withdraw profits received from trading. What is the best system to use? Where are the highest security and reliability scores and where are the fees acceptable? Let's figure it out.
So, before proceeding to the consideration of specific services and systems, I propose to give them general characteristics and say a few words about the mechanism of their work.
So, the utterly simplified process of the electronic payment system fits into the following algorithm:
- Client, i.e. you, me and another 90% of Internet users transfer a certain amount of money in real currency to the account of the issuer (payment system), receiving virtual currency for this in an amount equivalent to the amount of the transfer. The act of exchanging real currency for virtual currency fixes the debt obligations of the issuer to the client.
- With virtual currency, the client replenishes his trading or investment account in personal account a trading broker (you can find a list of their best representatives on our website). Thus, receiving "real money" that can be increased by conducting speculative or investment operations in Forex and the stock market.
- The broker returns the electronic currency to its issuer, receiving real money for this.
In the end, everyone benefits. Clients receive a fast and safe way to replenish the deposit, the broker - a new client, and the payment system - their commission, which is paid by both the client and the broker (more on them later).
I think there is no need to name the advantages of electronic currencies, such as simplicity and ease of use, high speed of payment transactions, unlimited service life, etc. Everyone already knows them, it’s better to pay attention to the criteria that should be followed when choosing a payment system, not to get lost in the sea of offers and choose a really reliable option.
Criteria for selecting payment systems
I will list them briefly detailed description, because it is obvious.
- Year of foundation and work experience. Naturally, the larger it is, the higher the level of trust is often.
- Types of contracts, i.e. connectivity for individuals and legal entities, residents and non-residents of the country where the company is registered. Pay special attention to the latter, companies do not always offer the same conditions to citizens of different countries.
- Transfer rates, limits and commissions.
- Security (binding to a phone number, email address, full name, etc.).
- Online reviews.
In principle, nothing complicated. Usually all this information is on the official website of the company and the registration agreement. And reviews are easy to find online.
Technological development of the payment industry places great emphasis on innovation, convenience, as well as improving the efficiency of processes. Both small businesses (online stores) and large brokerage companies are faced with the need to accept payments. It is important to get a reliable partner that will ensure effective competition in the current e-commerce market conditions.
Neteller
Recently, Skrill has not been inferior in popularity. It has been operating in more than 200 countries for 10 years.
It differs from the previous one in a slightly smaller number of currencies (23) and much higher fees for transferring to other payment systems, for example, in order to transfer money from Neteller to Qiwi, you will have to pay about 8% of the amount. There are also commissions inside the system, but they are small and set at tenths of a percent.
Among the advantages it is worth noting:
- the opportunity to get VIP status immediately upon registration;
- Net + MasterCard card available for all CIS countries and allowing you to withdraw money from all ATMs in the world;
- increased limits on money transfers and withdrawals;
- high security.
As for cooperation with brokers, we can say that almost all companies accept payments from Neteller, and with minimal (and sometimes absent) commissions.
The security of the system is also at a decent level, all payments require confirmation. But, verification is necessary, without it it will not be possible to work normally.
PayPal
Probably the most famous payment system in the world, which currently has more than 200 million active accounts. Works all over the world, most popular in the USA. But in Russia, for some reason, it is not as popular as the previous two.
Accounts can be opened in 25 currencies, and there is nothing to say about the level of PayPal security, the highest performance, the account is almost impossible to hack. Transfer fees are low.
But, due to the relatively low popularity of this system in post-Soviet countries, sometimes a problem arises that is the opposite of the one that was with Qiwi and WebMoney, when foreign brokers accept payments in PayPal, but domestic ones do not. And this happens quite often. Even, where everything seems to be there, PayPal introduced calculations relatively recently, and it broke such commissions that it is simply unprofitable to use it.
Results
In general, summing up, we can say that all the payment systems mentioned in this article are reliable and safe. The conditions for working with them are also, in general, similar, with the exception of the issue of limits and an error of 1-2% in transfer fees. Well, decide which option to choose by consulting with representatives of your trading broker, or by looking at the list of systems supported by him on the official website. That's all for now, until we meet again.
Sincerely, Nikita Mikhailov
