Creating an electronic wallet in Belarus. Electronic wallet in Belarus

10:00 20.11.2013

Following the global trend of leaving the medium real on Wednesday virtual, money has become electronic. What edies eaten in Belarus, found out

Electronic money - new for the financial market the concept that is today at the stage of formation. As a rule, under the "virtual currency" it is customary to understand the issuer's monetary obligations in in electronic formatThe electronic media at the disposal of the user.

In Belarus OT electronic money Long died. Their legalization occurred only in early 2013, when a new edition of the banking code came into force.

In accordance with the letter of the law, electronic money is characterized as a unit of value stored in electronic form, issued in exchange for cash or non-cash money and received as a means of payment in the implementation of calculations both with the person who released data of the value of the value and with other legal entities and individuals, as well as expressing the amount of the obligations of this person on return money Any legal or physical face upon presentation of data units.
The release of electronic money issues (emission) is carried out by the bank on the basis of a banking license.
The procedure for issuing an electronic money to appeal (emissions) is established by the National Bank.
At absolutely legal grounds today in Belarus there are about ten different types of electronic money.

WebMoney - electronic money tested

In November 2013, the largest and most common online electronic payment system Webmoney Transfer celebrates its 15th anniversary.
You can pay through WebMoney, you can all your soul wishes (well, or almost everything!). Services of telecom operators, providers, online shopping stores are only the top of the iceberg.

The first step in working with Webmoney will be the creation of an electronic wallet. Subsequently, it will be possible to replenish it in several ways, however, with any of them you pay a commission of 3% of the amount:

In cash in the branches of Belgazprombank;
- through payment cards issued by the Bank;
- through the "ERIP" system at any points of banking services (commission 2% of the amount).

You can cash the electronic money in this system in the offices of Belgazprombank. The Commission will be 2% of the amount.

iPay - Pay via Mobile Account

IPay's electronic money issuer is paritesBank.

Through the iPay, the client can pay for goods and services on the Internet, acquire tickets to the theater and concerts, repay loans, pay utility services for the means of a positive balance sheet on mobile phone.

Working with iPay is easier than with most other Belarusian electronic money systems, if only because it does not require the creation of an electronic wallet, additional check-in and a separate account replenishment. Payment for services is made either by sending SMS or through a personal account on the payment system website.

When making payments in the iPay system, the following commissions apply:

4% - when making payments under Paritetbank loan agreements;
. 4% (minimum 800 rubles) - when making payments performed on arbitrary bank details;
. 3% - when paying services through the system of the ERIP;
. from 0% to 3% (depending on the paid service) - when paying other services available in the iPay system

Do you like to ride, love Berlio

Through the electronic money system, Berlio, you can make calculations for automotive fuel in Belarus and abroad. The System Provider is Belgazprombank.

You can become owner of the electronic money card "Berlio" by visiting the Belgazprombank office at ul. Dombrovskaya, 9.
To activate the map, you will have to visit one of the offices of Berlio in Minsk on the street. Bykhovskaya, 55.

The purchase of electronic money is carried out by contribution of cash to the RCC of the Head Office of Belgazprombank (the commission is 0%), or by transferring to the account specified in the Service Treaty (the Commission - according to the Tariffs of the Cash Sender Bank).

MTS is not only the operator!

MTS Money is another virtual currency system created by Belgazprombank. MTS Money provides the opportunity to carry out payments with their subscribers using the mobile phone account (being within the MTS coverage area). At the same time there is no need to open an account in the bank.

Prepaid cards

If we talk about the definition that is in the concept of electronic money invests the National Bank, then you need to mention the prepaid electronic money cards that emit Belarusbank, Belinvestbank and Priorbank.

These card products can be used as a conventional payment card, but, nevertheless, they are customary to relate to electronic money.

Despite the fact that the average Belarusian will not soon receive salary by electronic money, the further evolution of electronic money systems in Belarus is important and inevitable.

Transfers from maps on a map, cashless payment has already become familiar to us. What prospects open further before Belarusians? Note that today it is possible to pay for purchases and services without cash, and digital means. What kind of fruit is and how they came across our country, we will tell you more.

Consider the main concept

The world has a mass of electronic money systems. They are international or local. Did you ever heard about the Russian instrument or American PayPal? What about Chinese Alipay and Tenpay? If these systems are eagerly used in the West, then the penetration into the lifeguards of citizens of the CIS countries is gradually. Including our compatriots look at the achievements of a virtual financial reality, with caution you will have such a thing as.

Legalization of such money in our territories happened more than 5 years ago. What is the phrase "electronic money"? As the bank code says, it is stored in electronic form a unit of value. They are published in exchange for cash or cashless money either by the bank or NKFO.

What is the classification?

What are the types of electronic money? Separate them into two large groups.First, those that are produced on the basis of smart cards (this is a bank plastic with chip). Simply put, these are electronic wallets. An equivalent of money is recorded on the chip, a map issued by the client. Operations are manufactured within the enrolled amount.

Secondly, network money that is based on networks. They work on the basis software system or network resource. The latter are most common, comfortable and reliable. Their diversity and discussed in this publication.

Electronic money in Belarus

How do electronic money feel? As noted above, digital money in our state also found a corner. You can already meet about a dozen names of such systems.What email wallets are in Belarus for today? As of April 2018, the banks of Moscow-Minsk (MTS MTS) bank are released, the Bank's decision (Qiwibel, iPay), BPS Sberbank (EPAY), Paritetbank (iPay), Priorbank (OSMP, IPAY, Belqi), Technobank (Webmoney). And the access to electronic money Belarusbank and Priorbank is carried out through the Card mastercard. Even in the list turns on Belgazprombank (MTS Money, V-Coin, Berlio), he also assumed obligations to repay electronic funds produced by non-residents: Euroberlio, Rosberlio-cards. Alfa-Bank and BPS Sberbank also distribute and repaid digital money for non-residents, Ekard and Yandex.Money, respectively.

For comparison, we brought into one table of information about the most popular services in our country. Here it is mentioned about how to create electronic money, how to make money from an electronic wallet and where they can be spent with the smallest loss. For comparison, took Webmoney, iPay, Belqi and MTS.Money.

Via electronic systems You can often pay without commission mobile communications, Internet, communal service, shopping in online stores, fines, or just to engage in charity. And this is only the top of the iceberg, with them except that you can not redeem the soul at the devil. It is allowed to remove funds to the bank account or, transfers, but this is already with the Commission. For the convenience of users are offered mobile applications And other services.

Digital Money Systems in Belarus

System and service bank	Identification (identity confirmation)	How to replenish (Commission from the amount)	How to display (Commission from the amount)
WebMoney ()	In the bank branch: the initial certificate - 30 BYN, personal - 40 BYN, and for the business entity - 600 BYN.	Translation between wallets - up to 1%. Commission 3% at the bank's office, in ATMs or infokioski, by mail, to notice in the cash desks of Belarusian banks or translation.	- through the bank's office - 2%, - transfer to another bank account of 3% or 10% commission, - Transfer to a payment converting card or on a Webmoney card.
()	- visiting the office of the company or sending certified papers by mail to Russia; - visiting the Yandex.Money agent in Minsk (paid); - In Sberbank online for 5 BYN, if not a bank client, then pay in the office of 20 BYN.	- free of charge through Sberbank online; - transfer from one wallet to another (0.5%); - with a payment card visa, mastercard or maestro in an Internet bank (from 1%); - transfer from the Mobile MTS account (10.3% + 10 RUB); - Cash through the PAYNET terminals (5%).	- through the Yandex.Money card (3%); - Translation abroad through Unistream, Webmoney, Western Union, Idram, Contact (up to 5%).
iPay (Paritetbank, Priorbank, Bank Decision)	Not required. Binding to the balance sheet of mobile phone.	Without replenishment	For Life subscribers: 10% of the payment of services for Life and MTS; 4.5% of payments by; from 3.5% to 4.5% - when paying services through the ERIP; For MTS subscribers: 4% of payments by; 4% of payments on bank details; 3% of the payment in the ERIP; up to 3% in other cases. (For subscribers Velk, the services temporarily do not work)
Belqi ()	In the bank for free	Free of charge with a debit card of Priorbank and transfer from another wallet; - Cash enrollment - 1.7% in other cases - 1.5%.	Getting cash in priorbank at the rate of 1 "protein" \u003d 1 BYN. Commission 2%.
MTS money (,)	Not required	Through jerp without commission	It is impossible

What is not included in the review? International System Berlioit is useful for payment for fuel and other related services. They work more often with legal entities, for individuals conditions are not so profitable. Electronic money v-coin - This is a tool for subscribers Velk, who is more like a delay. It is given up to 100 rubles to pay through the ERIP. But the money must be returned to a certain date. epay.- Portal for payment only on a payment card without interest, it is impossible to rent money. Now it is clear what electronic wallets work in Belarus now? :)

Create a digital purse

As you understand online wallet In Belarus, this is not a rare bird. The principle of operation of these systems, in general, the same. It looks like this:

• - pass free registration on the official website of the electronic system.
• - sometimes it is recommended to verify verification / identification . Here the tasks are more complicated. Most likely, you will need to come to the office to confirm the person. But after passing this procedure, more options for using the account will open.
• -Dischers are supposed to replenish the wallet with cash and direct work With a purse.

The question of which electronic wallet is better to have to withdraw money on the map, everyone comes with cashing. The endless commissions for replenishment and transfers eat some of the blood-earned funds. But you should not choose the service on the principle of "where cheaper". Consider popular sites on three criteria:

• easy interface and accessibility;
• liquidity (ability to instantly exchange cash or any asset);
• safety.

Do not leave without attention and regional features. Each country has its own national systems. However, the times of the "cold curtain" in the past. Therefore, from all options, we choose only universal.

• QIWI WALLET. - it is distinguished by an abundance of payment terminals and ease of use;
• WebMoney - the safest platform with a large selection of currencies;
• Yandex money - Plastic card will be sent to any country, there is no commission for non-cash payments;
• Advcash - Provides profitable internal transfers;
• Visa. - simplicity of registration and compatibility with all terminals;
• PAYEER - Popular worldwide for work without confirmation of the person.

Of the six platforms common in the Russian Federation, the minimum commission and the most friendly interface in Kiwi. But better defense From fraud guarantees webmoney. Accounts of both payment systems are associated with each other. This makes tandem convenient and economical.

In RB, virtual services appeared relatively recently. Among them are greater popularity of the following:

• WebMoney - as in Russia, the site ranks first due to its multitude;
• Yandex money - plastic card active in almost all payment terminals;
• Belqi. - works on the basis of QIWI, because all operations are similar;
• Easypay. - One of the first services.

The most convenient showed myself Yandex Money. You can pay the inner card at any store with a terminal. Available and cash withdrawal, but commission leaves much to be desired. Pii is convenient when paying through the calculation system. With webmoney it is easy to pay for the Jerip and withdraw funds to a bank account (although the Commission sometimes comes to 8%). An indisputable advantage is multicurrency.

Now the country has a ban on the work of a part of Russian services. Therefore, it is possible to use them only bypassing the locks, which is not entirely legal.

• WebMoney – optimal choice for freelancers;
• PayPal. - Used to pay for purchases abroad;
• Ukrmoney. - cooperates with PrivatBank, supports different currencies;
• Liqpay. - a convenient acceptance of payments, cooperates with most large companies in Ukraine, Europe and America;
• iPay..ua - instantly transfers funds anywhere in the world;
• Payoneer. - beneficial for remote people who work with foreign customers.

The last system has fallen into trends in Ukraine in 2018. It allows you to quickly and safely receive money from any corner of the planet. Differs the minimum commission. But if the payment comes only from customers from the CIS countries, the most convenient turns out to be the good old webmoney (so it is much easier to cash rubles).

Top 3 best resources - detailed summary

After examining which electronic wallets there are in Russia, Belarus and Ukraine allocate three popular:

• . It occupies a leading position in the Russian Federation and the CIS countries. Its unique dignity is multicurrency and internal exchanger.
• . Funds on the inner plastic card are available in bank payment terminals and ATMs around the world. And this means that you can pay in cash and non-cash.
• For registration need only a mobile number. A simple and understandable interface. You can make a plastic card in rubles and dollars.

Now consider the tariffs and functionality in more detail to determine which electronic wallet is better to choose to derive money:

	WebMoney.	QIWI	Yandex Money.
check in	telephone e-mail personal data	cellular telephone	email
Currencies	rubles; dollars; euro; hryvnia; belorussian rubles; vietnamese dongs; gold; crypotomold	rubles; dollars; euro; tenge	ruble
Release card	dollar or Euro - 10 cu virtual - free	ruble - 199 p. (only residents of the Russian Federation are available) virtual - free	ruble - 199 p. virtual - free
Total Account Card and Wallet	+ (WMZ or WME)	+	+
Transfer inside the system	0,8%	0%	0,5%
Refill	depends on the sum	0% bank transfer	Sberbank - 0%, others - 1%
Card	2.5% + 40 p.	2% + 50 p.	3% + 45 p.
Cash withdrawal	2.5% in dollars	2% + 50 p.	3% + 15 p.
Withdrawal	depends on the sum	bank account - 1.6% card - 2%	bank account - 3% card - 3% + 45 p.
Payment of goods and services	0%	0%	0%

Important! Qiwi and Webmoney accounts can to tiebetween themselves!

If one of the sites fits you on a number of parameters, it is better to release a map to it. So you do not have to pay a commission for transferring money to plastic. We summarize the data of the table:

1. Kiwi It is advantageous to cash up large sums and translate funds inside the system.
2. Yandex. It is convenient for payment for goods and services in the terminal.
3. WebMoney saves only on transactions with foreign currency.

Conclusion to the card

For clarity, let's look at how to transfer money from the e-wallet to the Sberbank card.

The mechanism is similar for all online services:

1. We enter B. personal Area via e-mail or social networks.
2. Click the Translate tab (the name may differ slightly).
3. We choose the method "on the bank card".
4. Indicate the card number and the amount.
5. Confirm the operation using an SMS code (E-NUM for WebMoney).

The main difference between different platforms is the amount of commission when transferring funds to third-party accounts:

• Qiwi - 2% + 50 r.;
• WebMoney - 2.5% + 40 p. - An additional conversion commission may be charged;
• Yandex Money - 3% + 45 p.

I hope my feedback and arguments help to decide which electronic wallet is better to start for use in Russia, Belarus and the CIS countries. And the main thing is to take into account regional features.

After all, flexibility in receiving payments is one of the most important qualities of a successful freelancer. Therefore, I recommend to register all three payment systems and use them according to the following scheme:

1. Bind webmoney to kiwi.
2. Make plastic cards for QIWI and Yandex Money.

So you get the opportunity to accept any payments and freely translate funds between accounts. In this case, the losses are minimal. Yandex You pay in stores, and with kiwi take cash.

However, you can only solve you. Personally, I use WebMoney (mainly due to its multicurially) for more than 6 years to work with customers from Russia and Belarus.

In detail how to create an electronic wallet in each of the services, read on the blog.

Let all your financial transactions be profitable and safe!

Online wallet - It is possible to determine as a combination of information available from financial institutions, indicating the right of a certain person to own and dispose of a certain amount of funds. Electronic wallets can be tied to any electronic media or to be protected only by password.

The electronic wallet can be in the form of a smart card, or electronic media With a built-in chip for reading information. With the help of an electronic wallet, the following operations can be carried out:

• keep money in electronic form;
• replenish and shoot electronic money;
• perform various kinds of payments;
• keep the history of monetary operations;
• store electronic applications (electronic certificate (passport), digital ticket, social insurance card).

Under the term "electronic wallet" can imply different softwareallowing to carry out operations on storage, replenishment and transfer of electronic money.

In turn, electronic money began to be actively used with development computer technology and networks through electronic wallets.

Electronic money is a system for storing and transferring money, both in national currency and currency of any other country. In other words, electronic money is no different from real monetary signs in the form of banknotes and coins, only stored in the pocket, or a handbag, but in electronic form on the server. For simplicity, you can draw an analogy with the balance of money on your mobile phone, or the Internet.

The popularity of electronic money is growing with each day. The reason for this is the convenience of using an electronic wallet and money in electronic form, as well as the very idea. It is no secret that among users of electronic money a lot of people closely related to computer technologies.

However, the difference between electronic and real money is still there. So, electronic money can not be lost, as well as steal. Although electronic fraud also gains momentum. In addition, money in electronic form does not have a real value, despite the fact that they can be easily credited into real money.

How to create an electronic wallet in Belarus

The electronic wallet in Belarus has long been not a wonder and is increasingly used as a convenient tool for storing electronic money and pay for various services.

In our country are legally used. Let us dwell in more detail on how to make a webmoney e-wallet.

First of all, you need to enter the WebMoney.ru portal and click the "Registration" button. On the page that opens, enter a mobile phone number, and then click the "Continue" button. On the page that opens, you need to fill out a standard questionnaire. An alias is introduced for the system, as well as the name, date of birth, actual place of residence, contact information (email, or personal site).

For security purposes, an access restore function is provided. To activate, enter the control question and answer to it. And then click on the "Continue" button. After that, you need to enter personal passport data ( personal numberWhen and by anyone issued). And press the "Continue" button again.

On the registration electronic drawer The registration code is sent. You should go to mail, open the letter and copy the registration code that is entered in the appropriate site field and press the "Continue" button. On the mobile phone A SMS message in which the code is written. You should enter it in the field and click the "Continue" button.

It remains to make final operations. To do this, you must come up with a password to enter the WebMoney website. It is advisable to choose a difficult password that will reduce the likelihood hacker attack. By confirming the password, you need to enter numbers from the picture and click "OK". Account in the WebMoney system is ready.

Now it remains to create a wallet. To do this, the wallet currency is selected (RUB, WMZ, WMB) and the "Create" button is pressed. Wallet created.

To replenish the wallet, you can use any in a convenient way, for example, use the mail services, or replenish the wallet from another electronic wallet. You can check the balance of the wallet on the WebMoney site page, where it is enough to enter the number of the created wallet.

Making payments with the help of an electronic wallet

To produce a payment of funds from an electronic wallet, you must click on the "Pass WM" button. In the column "to" you need to specify the wallet number. Next, specify the amount, translation type and method of confirming the transaction and click the "OK" button. After a confirmation code for a mobile phone, which must be entered in the appropriate graph and again press "OK".

Register an EasyPay electronic wallet is even easier. To do this, again, you need to go to the official website of EasyPay.by. The registration procedure does not take more than five minutes.

On the main page You must go to the "Register Wallet" section and similarly fill out all the proposed forms, followed by the code confirmation.

If you notice a mistake in the text, please select it and press Ctrl + Enter

The emergence of a new player in the market puts new questions before the lovers of online calculations. Still, now in Belarus there are already four electronic money operators, and each has its own characteristics. Therefore, let's consider in more detail in what system Belarusians are most advantageous to start a virtual wallet.

Pros. Perhaps the most important advantage of the system is the simplicity of registration. Just just addresses email To open an account. Personal data are used exclusively for returning access to the wallet to which access details were lost.

Another advantage is a very profitable account replenishment. In the branches of "Belpochta" replenishment of the wallet occurs interestful, that is, for nothing. Such a profitable making of money is no longer any Belarusian payment system. In addition, you can replenish EasyPay with plastic card: free of charge for holders of the "Belgazprombank" cards and the commission of 2% for other banks, which is also quite profitable. There are other ways to make money: Terminals, SMS, etc.

This currency is convenient and in terms of popularity. If the online store takes electronic money and has many buyers from Belarus, you can be sure among possible methods Payment will be EasyPay. Also using the system wallet, you can pay most of the Belarusian services - telephone communications, service providers and many others.

Minuses. The main disadvantage of the system is the very low security of the service compared to the rest. Authentication is carried out only by login and password, and to confirm the payment, a control code of four digits is used. Everything. Opportunities to use SMS identification, tie a wallet to ip or "iron".

In addition, EasyPay is not suitable for shopping on foreign sites. In online stores, where Belarusians are infrequent guests, you will most likely not be able to pay the currency of this system.

Another minus of the operator is a fairly high commission for the output of money. At best, you will withtreate 2% of the summary amount. Other systems offer more favorable tariffs.

Output. EasyPay is perfectly suitable if the electronic wallet is needed to pay for rent, Internet, telephony and other services, as well as making small purchases in the online stores of Belarus. However, it is not worth using this system for the turnover of large money due to the insufficient security of the service. Also, EasyPay will not suit you if you are planning to make purchases abroad.

Pros. If you used to use Yandex services, then to get a wallet you will not have to register anything in general - it is already there. For new users will have to start new mail on Yandex. Without it, it is impossible to access payment service.

A new wallet can be very easy to replenish - it is enough to have only a Visa or MasterCard map. The feature of the system is a fixed commission that makes up 49 Russian rubles, regardless of the amount made. At the same time, you can also replenish the bill from another payment system.

Service is well protected. Users who have started a wallet for a long time and still use a permanent payable password can go to any new way Disposable confirmation of operations (including SMS passwords). It has already done most of the users of the service. In any case, Yandex.Money has two-factor authentication and in order to make a payment, you need to know not only the password from the entrance, but also a password from the payment transaction.

In addition, it is worth noting the high popularity of the service - almost in any store of the CIS, which takes electronic money, one of the payment options allows you to use Yandex.Money. In addition, it is possible to order a real MasterCard card tied to the wallet account, which will pay it to it anywhere in the world.

Minuses. The most serious lack of Yandex.Money is a very high commission for the withdrawal of funds. It is 3% + 15 Russian rubles from the amount of payment. It will still be necessary to pay the tax in the bank for international translation. And since it is possible to withdraw money only in dollars or euros, then the losses will also be on the difference of courses.

Uncomfortable and way output. He is only one - to a bank account. There are no other options.

Output. Use Yandex.Money is beneficial in two cases. First, the payment system is convenient for making major online purchases in most CIS stores at the expense of a fixed commission. Secondly, the service will have to taste if your work is paid by an e-currency - if you have a map of Yandex.Money, there will be no problems with the conclusion and use of accumulated funds.

Pros. PayPal is not just a payment system in the usual understanding. The service will be more correct to call the payment service. That is why, when registering, one of the mandatory requirements is to specify the delivery address. Also, the operator provides an opportunity to set claims to the seller if the goods delivered differs from the ordered or not brought at all. And most importantly, usually all controversial situations are allowed in favor of the victim.

From other amenities of the system - interest-free account replenishment and making all purchase transactions. The Commission is charged only if you receive money for the goods sold or accept or send a money transfer.

Do not forget that PayPal is one of the oldest electronic money operators and enjoys enormous confidence in most countries of the world.

Minuses. The shortcomings of the system is enough. It all starts with registration. Perhaps it is one of the most difficult among all other vendors. electronic currency. You must specify not only login and password, but also your real passport data, as well as the address of the registration. Also for the successful completion of registration requires bank cardwhich will be tied to the account.

In addition, so far in Belarus legal entities It is forbidden to have a PayPal account. Difficulties arise and with the output of money for sale - to get them a tied card, you can not, you need to look for workarounds. Do not forget that the payment system is a newcomer in Belarus, and therefore, so far, very few online stores provide the ability to calculate with such electronic money.

Output. PayPal is perfectly suitable if you are planning to make purchases in large foreign online stores.

WebMoney.

Pros.Perhaps the strongest side of Webmoney is safety. The system offers many security options Wallet - Binding an identifier to an IP address and equipment, authentication, both using a file with keys and SMS, confirmation of each payment with a disposable code. More advantage of the service - the presence of the client. Which, by the way, also reminds of account security issues.

WebMoney is one of the most popular CIS systems, so the payment of WM-currency supports most of the online stores. At the same time, unlike most other electronic money operators, Webmoney provides the ability to have many wallets in different currency within a single account, as well as freely convert one amount to another.

In addition, WebMoney has an internal user rating system (BL), which shows the frequency of successful transactions and can serve as a certain guarantee of confidence in the service provider or product.

Minuses. The first thing that rushes into the eyes is a complex system of certificates confirming the identity. And this is despite the fact that there is no significant difference between them by more account. Certification of the highest level (initial, personal, seller) - paid. In Belarus, the issuance of confirming documents is engaged in a single bank - "Technobank", he is engaged in serving Webmoney in our country.

If you for any reason you do not want to become customers of this bank, then you will have difficulty with the output of money, because The Commission for this is very high - from 3% to 8%, depending on the certificate. There is a problem and with the enrollment of funds - the percentage here also bits and is 3%. For residents "Technobank", everything is somewhat simpler and the commission for buying an electronic money bank is only 1.99%, but the percentage of sales still remains high.

The work of arbitration causes complaints. Claims are considered long, and the outcome of the case is not always on the side of the affected party. Money lost as a result of fraud, returned extremely rarely.

Output

WebMoney is a universal payment system that can be used almost anywhere in the CIS. The most acceptable scheme of working with the operator is the availability of the opportunity to receive electronic money on your wallet, which then already spend \\ output. Self-replenishing wallets are unprofitable. In addition, Webmoney can be recommended to beginners, have never worked with virtual currency.

Alexander Vashkevich