How to use an electronic wallet. What is an electronic wallet and what is it needed for? Loans on e-wallets via the Internet instantly

Hello, dear readers!

In this article, we will consider the most popular e-wallets, we will estimate their advantages and disadvantages and, ultimately, try to determine which wallet is better to choose.

Digital technology. Thanks to him, our life becomes more comfortable and comfortable. Elegant earlier things are increasingly accessible every day. And, in particular, it concerns communication and communications.

Do you know how before people talked? Wrote a letter and sent the messenger to the addressee. Especially "quickly" this process occurred, with international correspondence.

Practically, financial technologies reached the same transmission rate. Now we can make money transfer literally a couple of clicks. And the means will instantly reach the recipient.

Why do you need an electronic wallet

Agree, it is very convenient to make financial transactions through an online office or your bank's mobile application. It just saves our time.

It is even more convenient - to work through electronic payment systems. And there is a number of reasons.

Firstly, you can start the electronic wallet very quickly and just. In most cases, it is much easier than to open a bank account / card. In addition, everything is done online and do not need to visit the office.

Secondly, commission of payment systems below banking. After all, banks need to feed the huge staff of employees, keep offices, carry management costs. And in electronic payment systems, these costs are meager.

Thirdly, most electronic payment systems do not depend on political factors. Even the counterparties of the warring countries can freely pay among themselves, regardless of the mutual restrictions of their countries. There is an Internet, which means there are full access to calculations.

Now about the main advantage of electronic wallets. There is a lot of services on the Internet, where you can pay the e-currency, and the banking is impossible. In particular, it concerns investment.

At the same time, most electronic payment systems are not inferior to bank accounts. That is, we can create a wallet, order a plastic card and pay it in stores, just like a card released by the bank. The card will use the same tools that is on the wallet.

Okay. But the electronic payment is several. Everyone has its own features, their tariffs. So what kind of wallet to choose?

Comparison of electronic wallets

Wallets are really a lot. However, not all of them are distributed.

We simply can't pay exotic or unpopular electronic money. Accordingly, let's consider exactly those systems that are already popular and are actually used everywhere.

First of all, list the system and ladies themselves and a brief description. And then proceed to comparison.

This is the Russian system. It is very extensive distribution in the runet, convenient and sufficiently beneficial in operation. It is optimally suitable for those who earn on the Internet. But there are also disadvantages. The system is still working only with rubles, and the investment projects rarely plug it.

Updated. Now internal transfers through Yandex.Money work without commission. But only if you make a translation through a mobile application.

Young, but very comfortable and quickly gaining popularity system. Allows you to work with dollars, euros and rubles. The main plus advcash is the lack of commission for internal transfers.

This is the first and most common cryptocurrency. Used everywhere, and in price grows. Plus, the system is very transparent and safe. True, sometimes because of its features, the calculations of the Bitcoins are tightened. Each operation requires several independent confirmations that require time.

Comfortable wallet that allows you to work for dollars, rubles and euros. The system is popular and widespread. But the tariffs are slightly higher than that of competitors.

The system is used in the largest eBay type Internet auctions. The system is very convenient when making online shopping. Also, it will be perfect for sellers on eBay. But, for other situations, PayPal categorically does not fit. Outside the Internet auctions, it is absolutely not common, is not popular and very expensive in terms of exchange / output of funds. So, I propose not to consider it further.

Perhaps the most popular system for Internet investment. Funds can be stored in dollars, euros and bitcoins. "PM" combines high payments, good safety and low tariffs. It is believed that this system is most confidential: no government agencies control it and cannot track payments.

This is a system that is used almost monopoly, but only in gambling. And more anywhere. Therefore, I propose further not to consider it.

The payment system is once popular in Russia. Now, in my opinion, she is experiencing decline. In principle, the system is not bad. Works with rubles and dollars. Internal transfers are carried out without commission.

This is an advertised misunderstanding. Dear, complex and inconvenient system leaves only due to the fact that it was one of the first and still controls part of the market. Reminds me Sberbank sample 2008-2012, in which people walked not because of the favorable conditions, but by old memory. 🙂

Please note that creating a wallet and its service for all systems is free.

Features and tariffs of electronic wallets

We draw conclusions about wallets

Internal transfers are cheaper than ADVCASH and QIWI (without commission). Yandex.Money and Perfect Money Commission is also not high. Also, it is advantageous to use Bitcoins, but not for small amounts.

All systems allow you to release a payment card. But, on my halg, the best conditions for Yandex.Money and Qiwi. Their obvious plus is the low price and the ruble nominal card. In addition, both systems offer us modern premium cards with the possibility of contactless payments and the 3D Secure security system.

Maps of other systems are expensive, nominated in dollars and themselves - uncomfortable. They can not be paid to contactless, but online purchases in some cases will be difficult.

If you still talk about a dollar map, then the AdvCash Map is cheaper and most convenient. Both virtual and ordinary.

Cash through dollars everywhere approximately equally, both in terms of the course and in terms of commissions. But rubles, it is definitely more profitable to shoot through Yandex.Money and QIWI. First of all, due to the fact that it is not necessary to convert funds.

By the way, for Yandex.Money recently appeared a good cash withdrawal scheme. If you have a bank card and a Yandex map, then you can make a transfer from the card to the card. This operation will cost 1.5%. So, let's say we can transfer money from the Yandex card to the Sberbank card / VTV / Your Bank and remove them in ATM without commission.

You can withdraw cash of any system using one of the electronic exchangers. For this, just change money on the card of your bank and remove them in an ATM. Please note that changing Webmoney for a long time and is quite laborious. The remaining systems are elementary and with minimal commissions change. Moreover, in many cases, the exchange occurs instantly.

Yandex.Money + Advcash - My favorite combination of payment systems

PERFECT MONEY, ADVANCED CASH, BITCOIN Systems have the greatest security (there can be traced and check each operation) and WebMoney. But in Webmoney security is essential is extremely inconvenient and unsuccessful. In general, the safety of other systems is also high.

Since I began to speak bad about Webmoney, then here is another stone in their garden. All the systems under consideration, except WebMoney, are fully confidential. That is, the same tax service does not see them and will not check. And in WebMoney - easily. At the same time, I recommend everyone to independently exercise consciousness and pay taxes honestly. 🙂

Ultimately, each of the systems has its advantages. Therefore, I recommend to start a 2-3 wallet at the same time.

In my opinion, taking into account the peculiarities and spheres of distribution, optimally start the wallet Yandex.Money and Advanced Cash. Parabe, they allow you to achieve most goals. At the same time, both are economical and easy to maintain. And what systems do you use?

I will be grateful to your opinion, issues and comments on what electronic wallet is better to choose.

I wish all profitable investments!

24.03.2017 07.04.2017

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The electronic wallet is a special service for working with digital money.

Let us give an example. Today, almost everyone has a bank card. It stores money. The card can be paid in stores, on the Internet, at any time in an ATM you can remove cash.

The electronic wallet is an analogue of a bank card. Such you will not be able to pay in the supermarket, but on the Internet most shops accept this method of payment.

What do you need an electronic wallet

To protect the bank card. In order not to enter your card data on various Internet resources, you can replenish the wallet and carry out all operations with it. So you protect your card from Internet fraudsters.
For the convenience of payment on the Internet. To pay for the purchase or order of a bank card, you need to fill out all the payment form fields. If the user does not remember by heart the number, CVV code and validity period, and at hand did not turn out, make payment will not work. To use the e-wallet, it is enough to enter its number.
For convenient work in the global network. Remuneration is an optimal solution for. Customers are much more convenient to throw out funds on the wallet than to make a bank transfer. And again it is safer.
For operational operations. Bank transfers can take from several hours to several working days. Electronic cash operations are performed in minutes.

How to start an electronic wallet

It is necessary to register in one of the payment systems, create your wallet in it. To do this, specify personal and passport details. For convenience, you can bind a wallet to the telephone number: when performing each operation, an SMS message will receive a confirmation code.

Users are often interested in how to use an electronic wallet. First you need to replenish the wallet account. Further, the functionality is very simple, each payment system provides round-the-clock technical support and advises relative to one or another option.

How to replenish the electronic wallet

The method of replenishment depends on the selected service. The most common methods:

Buying a prepayment card.
Translation from a mobile phone.
Replenishment through special payment terminals or an ATM.
Through bank transfer.
Through Mobile.

For the implementation of various operations, the Commission is charged. Tariffs are determined by payment systems. Service is free.
To choose the most suitable "helper", appreciate the pros and cons of various payment systems.

Best electronic wallets for money output

QIWI

The QIWI system appeared in 2007, it offers users an easy-to-use QIWI Wallet. You can work through a computer, smartphone or another gadget, as well as through payment terminals (for sure you heard about Kiwi terminals).

Binding to the telephone number is a prerequisite when registering QIWI Wallet. This allows you to make the board with the means easier.

Benefits:

You can order a card issue with a binding to a wallet account for payment as a regular bank card.
You can work on four currencies: ruble, euro, dollar and tenge.
The Commission does not exceed 2% for any operations.
You can pay a wide range of services and goods.
It is convenient to replenish.

Yandex money

This is a system from the famous search engine Yandex, which started in 2002. You can work through a mobile application / official website from a computer or gadget. You can replenish the account by all the above methods. For the output of the following methods:

Translation to the card "" Free. Next, it is used to remove cash through ATMs or payments
Transfer to a bank account or card.
Translation with the help of special money transfers.

The system serves only ruble operations.

WebMoney

Functions since 1998. All operations here are made in virtual currency: WMR - Ros. Ruble, WMZ - US dollar. Main advantages:

You can work immediately with several world currencies.
Simplified identification system.
A wide selection of additional services, such as credit or debt service.
The functioning of several certificates, each of which provides its set of features and functions.

The selection of the wallet service depends on your goals and tasks. If you constantly live in Russia and do not work with other currencies - choose YandexDenga, if you work the freelancer - the best option, and for online purchases it is better than Qiwi Wallet.

This article will solve the questions " How to use payment systems?"And" What kind of electronic money to choose?". In Russia, there are 3 most popular payment systems:

"Yandex money"
QIWI Wallet

Electronic money exists for more than 10 years and during this period earned not only popularity, but also began to be very closely implemented in everyday life. They allow to produce rapid financial operations around the world, ranging from utility services and completing the services of telecom operators and providers, make purchases in online stores and much more.

Electronic payment systems have expanded the user's audience thanks to the release of mobile applications for tablets and smartphones. In the near future, the main prospects for the development of electronic payment systems will be closely related to the market of mobile gadgets and additional services, gradually expanding the functionality. Comparison of 3 types of electronic wallets: QIWI Wallet, Yandex Money and Web Mani, will help you determine the most convenient payment system.

Safety of operations and personalization of payment systems

Creating an account in payment systems occurs similarly to other online services, except that the mobile phone number is binding. The ability to make anonymous operations is, but very limited.

It is worth considering that the state has long been going to control the cash flow in the field of electronic payments and introduce the rules for the mandatory identification of electronic wallets owners. Identification is necessary if you:

often get cash electronic transfers or yourself often translate money;
planning to collect donations;
planning to post the account number in public affairs;
often cash electronic money;
get bank transfer from other people to your own account.

To create an individual WebMoney account you need to register on the site. When filling out personal data, be sure to introduce reliable information about yourself (surname, name, patronymic, passport data). Then the registration code will be sent to the specified email address, and also have to confirm the correctness of the specified mobile phone.

Next, you can start downloading and installing the WM Keeper Classic program from the developer's website, with which you and you will continue to make any operations with your online wallet.

In the online service Webmoney, the personalization of your account is obligatory, but at the same time, at the request of the user, it is possible to conduct anonymous payments. Any account owner can get a digital certificate that is called a certificate, the level of which will depend on the amount of information provided. At the same time, only the initial level certificate does not require instructions of passport data. For certificates of higher levels, you must inform your personal data and wait for them to check.

Yandex.Money do not force users to transfer their personal data to the system, but remind you that if you plan to perform operations on the total turnover of more than 15,000 rubles per day, then without the account personalization procedure you can not do. In order to obtain the confidence of other users who will be visible to your status, and the credibility of the payment system, you must write an application for the passage of identification and send a copy of the passport by mail or visit one of Yandex.Money offices.

Other ways to officially confirm their identity, unfortunately, until there is. The leaders of the payment system market with pleasure remotely identify users - for example, through video calls, but as long as the state does not allow the simplification of this procedure. It would also be convenient if the user who received a map in any bank (which means that he already who has already shown his personal data), and then attaching such a card to his e-bill, did not pass the procedure for the second time. But so far all these methods are not allowed to legally, payment systems identify their customers exclusively by offline methods, including through partners. Yandex.Money, for example, can be done by making identified payment through the CONTACT system (in this case, the procedure will take only 2-3 days) or through the online bureau of Equifax credit stories.

From June 17, the QIWI service began to actively work on identifying accounts for its users. At the moment, the service is available only to residents of Moscow and Moscow region. Everyone who wanted to personalize their e-wallets should be in one of the intercom salons and fill out a questionnaire there, specifying personal data and the phone number to which the account is tied. The company's partner, Intercom, which provides identification service, takes a commission of 10 rubles. Representatives of QIWI argue that in the near future integration with such systems should be completed. As "SPCR-Express" and Contact, which in their offices will be able to help identify user accounts throughout Russia. In addition, at the moment there is an opportunity for courier delivery of documents in Moscow and to the regions of Russia.

Mobile payment services applications

The times when the main and only means of exercising electronic payments was PC, remained behind, and now smartphones and tablets are increasingly used to solve these tasks.

Mobile applications turn a mobile device into a real wallet. They allow directly from the client program of the appropriate online service to make purchases using the electronic catalog of goods, as well as carry out various money transfers.

Mobile application "QIWI Wallet"

The QIWI Wallet Mobile Application version exists not only for popular Android and iOS - Windows Phone 7, Windows Phone Classic, BlackBerry, Bada and J2Me are also supported. In addition, special options for QIWI wallet are released for iPad tablets and BlackBerry PlayBook. All versions, in addition to specialized application stores, you can download from the site M.qiwi.ru. To enter the wallet, you must enter a mobile phone number and password to the appropriate fields (the same you use to login through the web interface) and adopt the offer contract. Subsequently, the authorization will be automatically implemented, and if you need to go to another wallet, it will be necessary to simply reset the settings through the corresponding item in the menu. Use the mobile "QIWI wallet" is even more convenient than through the web interface. There are only four tabs with which you can pay for goods and services, view the history of perfect operations, adjust the settings and contact the service of the payment system support.

WEBMONEY KEEPER MOBILE Mobile Application

The WebMoney Keeper Mobile application is not inferior to QIWI by the number of operating systems covered: Mobile clients are available for Android, iOS. Wiindows Mobile, Phone and J2Me. Here, traditionally for Webmoney, it will not be possible to get rid of login and password - you have to go through another wallets connection procedure. To add all available wallets under various types of currencies, you must click the "Add an existing wallet" button, enter the password that is used for the web interface, and then select the item "Add power of attorney". Next, you will need to fill out an application for establishing confidence and establish the necessary limits to enter and output funds if necessary. After that, it will be possible to start working with wallets. There are also 4 tabs, whose names correspond to their purpose. Unlike customers of other payment systems, there is a convenient QR codes scanner, which significantly simplifies the payment of some goods immediately after scanning, without finding the desired item in the menu.

Mobile client "Yandex.Money"

Mobile application Yandex.Money supports only Android and iOS OS. Users of other mobile OS at the moment nothing remains except to use the mobile version of the web interface of the payment system. Authorization take place with the help of a login and password, but here only 1 account can be tied to one account. For the establishment of a new account will have to take advantage of the full version of the site. The client menu also contains 4 tabs: with information on balance, as well as with the functions "Top", "Translate" and "Pay". It is convenient that the "Top" tab, opposite each bank, is indicated by the percentage charged for replenishment, in each case the individual and established by a specific bank. As for the option "Translate", then there are some inconveniences. If you need to transfer to another Yandex.Money client, its name cannot be selected from the address book - just enter manually.

Bank cards and "cash" in payment systems

Of course, electronic money is most often used for Internet payments and electronic calculations, but sooner or later before any user, especially those who receive money for their work at the expense of the electronic wallet, the question arises of a simple and safe output of funds.

Sometimes it is necessary to cash the electronic currency, in which case the most useful means are payment cards.

Virtual

All payment systems are offered to use virtual cards created specifically for secure Internet payments. They exist only in electronic form and have no physical media. A virtual card cannot be replenished, but you can purchase a card with any balance or use the CE for one-time purchase in the online store, ordering the card, the balance of which will be approximately equal to the sum of the upcoming purchase. The physical absence of the card does not affect its functionality - this is a full-fledged payment card with all relevant bank details (validity period, account number. CVC'2 code).

QIWI offers the instigant issue of a Qiwi Visa Virtual virtual card with a separate balance and a period of two months (purchased for the amount of the intended purchase + 2.5% of the cost (but not less than 25 rubles). Yandex.Money has such cards are issued by Intercommerce Bank and There are 1.99% of the nominal card, but not less than 19 rubles. Webmoney offers Virtual MasterCard System Cards issued by "Network Settlement Started *. MasterCard Virtual exists in the form of details: A unique number will be sent to you to the Webmoney Keeper client, and the card replenishment cost It is 10 rubles + 1% of the nominal.

Plastic

In addition to virtual cards, all payment systems are offered to bind a regular plastic card to an electronic account, with which it is convenient to pay for purchases in ordinary stores, as well as remove cash in ATMs.

Qiwi and Yandex.Money have such cards are available for free - to pay only for delivery by mail. The bill account is combined with an electronic score: Available for operation The amount on the map is equal to the account of your electronic wallet. The validity period of the Visa Qiwi Wallet card is 1 year. To one Visa Qiwi Wallet, you can release several plastic cards. Yandex.Money offer MasterCard Credit Credit Systems Card MasterCard for a period of three years, chip and magnetic stripe. At the same time, only identified system users can remove cash in ATMs - another reason to personalize your electronic account. Offline and online payments Both cards allow you to make no commission. The cost of the output of funds in both systems is also the same - 3% of the amount + 15 rubles (but not less than 100 rubles).

The Webmoney online service went even further and not only offers plastic payment cards attached to the balance of the electronic account, but also credits its customers to quite significant amounts in partnership with the "Opening" and Russian Standard banks.

When opening a card, an electronic account in WebMoney is instantly connected to it after which you can freely translate money from the card to the electronic wallet and back. Interestingly, with cashless payment of the bank "Opening" of goods and services in the electronic wallet, 1% of the purchase amount is returned each time. And the map of the Russian Standard Bank for each spent 100 rubles guarantees as a bonus accrual on the WebMoney Entra account 0.98 accounting units. The "Opening" bank provides a credit limit of up to 500,000 rubles, in the "Russian standard" it is 750,000 rubles.

Advantages and disadvantages of electronic payment systems

Benefits:

Reliability
Ideal for translations in different currencies
Makes it possible to conduct a commercial
activity
There is a lending

Disadvantages:

Safety Safety Settings System
The percentage of transfers within the system will be charged.
Very complicated certification procedure

"Yandex money"

Benefits:

Simple registration procedure
Easy authorization without additional confirmations
Payment of any services, purchases and fines
in three clicks

Disadvantages:

Works only with rubles
Prohibition of commercial activities
Low security level (high risk of hacking via mail)

QIWI Wallet

Benefits:

A huge network of terminals to replenish the account (more than 100,000)
No commission for payment for services and input
Possibility of holding payments through SMS
Integration with other popular payment systems

Disadvantages:

High percentage of the Commission in the withdrawal of funds
Limited cash cash opportunities
Lack of lending

How to use the internet wallet (on the example of QIWI wallet)

Online wallet - This is the information at the disposal of financial institutions of the financial resources that were translated into the electronic version.

Such a wallet can be both in the form of a plastic card, and simply installed application on a personal computer or mobile device.

Also, the electronic wallet can be viewed as a software that allows you to store and use money in the electronic system.

The electronic wallet is a device that helps keep funds in their memory, make purchases and perform various payments without leaving home.

Such e-wallets have recently gaining increasing development.

Through the concept of an electronic wallet, the development and concept of electronic money was developed.

- a system that allows you to keep money, both in rubles and in foreign currency any other country.

Simply put, such a system helps to keep money in electronic format.

Electronic wallets have recently gaining increasingly popular due to its facilities in use and storage. Such money is impossible to lose or steal them. On the other hand, such money is easy to remove.

Types of electronic wallets

The main purpose of the electronic wallet is online calculations that allow you to not pay personally.

You can define the following types of electronic wallets:

wallets capable of supporting only one currency;
wallets that support several different currencies at once;
wallets that can not only take different currencies to their account, but also make automatic payment.

Advantages and disadvantages of the electronic wallet

The main advantages of electronic wallets

Easy and accessibility in registering such a wallet. To register in the System, you just need to specify information on a particular form, in addition there are various registry instructions on the wallet.
Accounted to a minimum procedure for replenishing an account or deregulation. This can be done either through payment terminals or transfer from a bank card, or in the branches of the bank, which collaborate with a similar payment system.
The payment system for purchases and services through an electronic wallet is very widely distributed, so you can pay almost any purchases. You can pay for purchases without leaving home.
No commissions and fees are charged for servicing such wallets.
It makes it possible to exchange currency at the rate set by the payment system.
Makes it possible to perform instant operations.
The use of such a map is unlimited.

Disadvantages of electronic wallets

Nevertheless, with a large distribution of payment systems, in some stores there is still no possibility of payment in this way.
If your electronic wallet is not tied to a bank card, then you can use this wallet only subject to access to the Internet.
There is a chance of hacking such wallets by fraudsters.
There are difficulties in cash cash from such wallets.
It is difficult to restore the profile of the wallet with its loss.
Electronic money is easier to spend. It is at the psychological level. We do not hold in the hands of real money, do not feel their weight, so we break up with them without regret.

Commissions when using electronic wallets

It is worth saying that there are no electronic wallets that would not charge the commission.

However, all purchases made from such payment systems are not burdened with commissions. It is important to pay attention to the commission in the conclusion of cash or their translation.

The most common system for transferring funds is considered to be Visa, the Money RBC system refers itself to the same category. But there is a limit of translation in 100 thousand rubles.

The highest commission for cash transfers outside the Russian Federation charges the Yandex system. Money. It is 3% of the transfer amount plus another 15 rubles from each translation.

The rest of the electronic wallets has such a commission ranges from 1.5% to 2% of the transfer amount.

Very expensive and the withdrawal of cash from wallets through the CONTACT system. For example, when displaying money from the Yandex system. The money will be removed with the commission of 4.5% of the total amount from the Kiwi system - 3.5%.

Options for using electronic wallets and money removal

When you first use the electronic wallet, you must go through the registration procedure, download an application or program to use the electronic wallet and create a so-called payment drive.

To make money on the electronic wallet, you need to either buy a special card and through it to replenish the score, or by transferring funds from a bank card, you can send money through the post office or deposit them through the payment terminal.

You can remove money in one of the following ways:

translate them to your bank card;
translate through specialized organizations;
move to a bank account.

Register electronic wallets

Creating an electronic Wallet WebMoney

First you need to go to the official website of the e-wallet and enter your phone number.
Next, you must enter more detailed information about yourself.
Then a confirming letter with the code required for registration will come to your email.
This code will need to be entered on the site to confirm your data.
Then the mobile phone must come to the mobile phone.
Then it will be necessary to choose the currency with which you plan to work afterwards.

In order to start a full-fledged work through this wallet, you need to get a certificate. To do this, you need to download scans of your passport and specify some of your personal data. You can confirm operation of operations both through the SMS message and through captchas, or the way the answer is the answer.

Only the person who reached the 18th anniversary will be able to create such an electronic wallet.

Payments in such a system occur in conditional monetary units, such as: 1 WMZ corresponds to 1 US dollar, 1 WMU is 1 hryvnia, 1 corresponds to 1 ruble, 1 WME corresponds to 1 euro. Regardless of the type of operation, such an electronic wallet charges a commission in the amount of 0.8% of the amount of the operation.

Creating a kiwi e-wallet

First, it is also necessary to go to the official website of the electronic system. You need to familiarize yourself with the contract, accept its conditions and enter your current phone number, after which an SMS with a confirmation code will come to the mobile device. This register ends and you can replenish the wallet account.

The advantages of this system are quite simplified registration: just specify a mobile phone, after which you will receive a check password. You can replenish the balance of such a wallet without commission and all payments and translations are carried out very quickly.

The main advantage of such a system is the possibility of preserving complete anonymity when performing operations from such a wallet. However, anonymity is preserved if you take up to 40 thousand rubles from such a card monthly.

In general, the limit of operations is 100 thousand rubles to preserve anonymity. This means that another about 60 thousand rubles you can spend, paying through this card in stores.

Creating an e-wallet Yandex. Money

When you first use this system, you should also identify your identity. Come on the official website of the wallet and open an account. Then you will need to come up with a login and password for your wallet, as well as specify a mobile phone number. The phone will receive an SMS message with the check code. After entering it on the site, you need to get acquainted with the conditions for using the wallet, accept them. If desired, you can save complete anonymity. Wallet is ready to use.

Such a system does not charge commission fees for purchases through the Internet system and when replenishing a mobile phone balance.

If you make money transfer within the Russian Federation, you will be charged a commission of 0.5% of the total amount.

Creating a PayPal Electronic Wallet

This system is considered the largest payment system worldwide and the most widespread. It was created in the late 90s. In Russia, it is not so popular as in other countries of the world. PayPal must be sure to tie to its bank card. To do this, you inform the details of your account, within a few days you will come 2 enumerations in the region of 10 kopecks. After that, you finally tie your bank account with the system.

If you actively make purchases abroad, without this payment system, you definitely do not do. Creating an account is free, and the Commission is charged not from the sender, but from the recipient of funds, which is a very convenient way when paying for purchases via the Internet.

Creating a single e-wallet

This wallet allows you to pay for services online. You can use such a wallet from both a mobile device and through a personal computer or tablet.

To register, it is enough to specify your phone number to which you will be sms with your wallet number and password to it. A lot of payments through this system are carried out without charging the Commission. You can remove money from the account through any post office.

Wallet Beeline

The electronic wallet was created to make micropagles, the Transaction Commission is not charged, the system works together with Alpha Bank. It is possible to transfer funds to a bank card or on WebMoney wallet.

Electronic wallets are a popular and convenient tool for payment for services and transfer of funds. Therefore, more and more people use payment systems. The basics of their functioning are almost the same. Therefore, to replenish the wallet, translate or remove money will not be difficult for even novice users.

How to replenish the electronic wallet?

Replenish virtual wallets with real money with the help of bank box office, payment terminals or special cards. The simplest, and therefore the common method is to buy and initiate a card for payment in a specific payment system. This is done through the interfaces that the system offers (Russian and international sites, applications for smartphones, tablets, social networks).

You can also put in cash in special exchange offices, checks of outlets or through automata. Addresses are usually posted on the official websites of payment systems. The method is suitable for customers who have quick access to such items. For making large sums, it is better to use bank transfer, because The Commission in this case will be minimal. You can also transfer money from another payment system.

So, to replenish the balance of the electronic wallet, you need:

availability of an account in the payment system;
bank card / cash / wallet of another electronic system / prepayment card;
access online banking or terminal.

The transfer of money to the electronic wallet is produced in the Personal Account of the system participant using the function "Top up the account". There are 4 main ways how to do it:

1. Card for prepayment

This is a plastic card with a logo of the payment system and a certain denomination. How to use it?

Purchase in street kiosks, shops, offices of representative offices of mobile operators, other points of sale. Because of the partner's commission, the card price is a couple of percent more than the denomination. Cards without extra charges are sold in branches of settlement organizations or deliver couriers after ordering on the Internet.
Activate the map: Log in to the replenishment section on the system website, enter the card number and password located under the protective layer. For example, on "Webmoney", you need to find the "My WebMoney" section and follow the link "Replenish WM card".
Next, we must follow the advice of the site, which will make replenishment in a matter of minutes.

To replenish the wallet belonging to the Yandex system. Money, you need:

pass account authorization;
in the "Replenish Wallet" item, select the payment function of the card;
fill out the blank in the dialog box;
confirm operation.

Important moment: Prepayment cards - a convenient and simple method of replenishing the electronic wallet. But it is uneconomical, because We will have to pay the highest percentage of commission.

2. Bank card

Almost all payment systems have partners among banks that will be offered to the client to replenish the account without removing interest if the card is associated with the account. If you use other bank cards, the system will remove the commission. The replenishment of the electronic wallet is produced through an ATM having such a function. The Commission is charged for the provision of services.

3. Internet banking

Here everything is simple - the electronic account client replenishes on the bank's website, using protective codes. This requires registration in the Personal Account.

4. Cash

This method is available to almost everyone, so it is most popular. You can replenish the electronic portmother in cash:

through the payment terminal;
in sales offices;
in bank departments;
through transfers;
through Russian Post.

Electronic money exchange

Translation into electronic wallets is made by converting funds from other systems. By the way, the Commission is always charged for this service. There is another minus: in most electronic systems, the client status should be higher than anonymous.

Payment through the electronic wallet is used in online stores, to replenish the mobile, payment of loans, utilities, intranet services. It is easiest to make a payment from an e-wallet whose currency is taken by a specific seller. But you can exchange virtual rubles for dollars, euros, hryvnia, or vice versa. As in the exchange office, this will remove a certain percentage of the Commission.

To ensure the security of the payment, be sure to accompany it by the secret word, which is known only to the sender and the recipient of the money. It is so possible for 10 days to return to the fund, which by mistake sent not to that number of the electronic wallet.

Online wallet. How to make money?

To make money from a digital wallet, you need to resort to the help of a bank or use an ATM. This will require an open account and a map-tied to it. Another way: through an electronic payment or terminal. It is necessary to first list the required amount on the wallet and have a password to remove funds. When cashing electronic money, it is necessary to take into account that the cost of each service included commissions.

So, to bring money from the electronic wallet to the bank card, you need:

Be registered in the payment system.
Use a special program, such as WebMoney Keeper.
Have an approved formal certificate.

When the Bank's Security Service Compensates the data and approve a formal certificate, the client will be able to withdraw money from the wallet. There is also the opportunity to associate and wallet, then payments will come to the account immediately. You just need to pay the commission provided for by the system and provide detailed information about the owner of the card for a detailed clarification.

By the way, the electronic drive systems make it possible to bring money to any plastic card for 2-3% + fees established by the Company. It will take about 1 to 6 days. If the card is tied to the account, the Commission will be no more than 3%, and funds will come immediately.

You can make money and otherwise, using the services of instantaneous service services. The owner of the wallet will cost 3-5% of the amount and about 0.8% as a system commission. Money must come to the bill in a couple of minutes. You only need to specify the number of the plastic card and the name of its holder.

There is a slightly longer way that allows you to save on the Commission. It will help in this service electronic payment system.

Go to "Services" section from Personal Cabinet.
Select the Banking tab and the required wallet type.
Enter the login and password for authorization in the system.
Create a payment order with full data:

recipient bank;
identification bank code;
code Causes of Tax Accounting (organizations are assigned as an addition to the INN after registration in the tax authorities at the Registration Place of Jurlitsa);
correspondent and settlement accounts of the bank;
passport data.

Information must fully coincide with the formal certificate specified when the formal certificate is possible, otherwise the translation will not be possible.

5. Specify the sum of the translation, confirm the consent to the system conditions and go to the formation of the payment order.

6. Click the "Complete" button, and in the Account tab, confirm the consent of the transfer payment. The system will remove the commission of 0.8% of the amount. Another 1% is the Bank's Commission. Money will go to the account on time from 1 to 7 banking days. If the client has activated the mobile banking feature, the payment message will enroll on the phone.

In addition to the proposed methods, with the help of electronic money you can pay for relatives and friends cellular communication, Internet, purchases and services. They will be returned to the amount spent. This method is considered simple and least expensive. No need to pay the Commission of the Intermediary.
To translate virtual money to real, you can resort to the services of special exchange or intermediaries. Find exchangers in your city will help the website of the payment system. By selecting a dealer from the proposed list, specify all the conditions and details associated with the output of funds from the drive.
Do not forget about caution when you appeal to intermediaries. So as not to get on the hook to fraudsters, be sure to read customer feedback and do not forget to check the electronic wallet after completing the procedure.
Please note that the amount of funds that are displayed from the wallet is limited. For example, the client of the Yandex system. Money ", which was the identification, has the ability to withdraw no more than 500 thousand rubles one. And per month this amount should not exceed 3 million. Unidentified clients cannot receive more than 15 thousand rubles at a time. In the Webmoney system, the restrictions on the output of money are associated with the status of the participant's digital certificate. Maximum allowed amount - 2 million rubles per month.