Electric wallet. How to create an electronic wallet Webmoney or Qiwi? Electronic wallet: creation and use

It's hard to imagine life modern man without non-cash and/or remote payment options: credit cards, online banking and e-wallets. Moreover, the latter option often becomes the most convenient and cost-effective for certain categories of users. Therefore, it is important to understand what these services are and how to start online wallet.

What is electronic money

An electronic wallet (EC) is a convenient analogue of a regular wallet. Only it is not in a purse or purse, but in electronic space. And the user is calculated not with paper money, but with electronic money. Any EC has a wide and convenient functionality that allows it to be used in various situations:

• pay for goods and services in real and online;
• receive and transfer money to cards, bank accounts, through popular payment systems (Western Union, Contact, Golden Crown, etc.);
• apply for loans to a card or e-wallet payment system;
• Earn Money;
• cash out in convenient ways;
• replenish brokerage deposits, etc.

Who needs a free e-wallet

Despite the fact that EC is a convenient means of payment for any person, certain categories of people most often use them:

1. Freelancers are people who do not have a permanent job and carry out private orders without leaving their homes. This category includes copywriters, programmers, web designers, system administrators, translators, editors, journalists, etc. It is important for representatives of these professions that money for the work performed be received quickly, and at the same time it was not necessary to advertise their passport data, information about bank card and other personal information.
2. Online businessmen - owners of online stores and their own websites are also convenient to carry out payment transactions online confidentially. Payment systems allow you to transfer money from a wallet to a card with a minimum percentage, which is beneficial for both businessmen and their clients.
3. Those who make money on the Internet in other ways - bloggers, hype lovers and other people who receive money for information posted on the Web, most often use electronic payment systems. In addition, ECs are necessary for those who earn on the exchange of cryptocurrencies.

Benefits of an e-wallet

To identify the main advantages of using online payment systems, the easiest way is to compare the EC with a bank card:

1. You do not need to submit documents for registration.
2. You can create an electronic wallet without leaving your home or office in just a few minutes.
3. You can pay for or receive online services that do not accept bank cards (for example, buying goods from foreign trading floors; withdrawal of funds from online casino and gambling sites).
4. Payments are made simply and quickly. All you have to do is enter your account number.
5. Users can independently choose the desired currency for settlements.
6. No problems with the possible bankruptcy of the issuing bank.
7. Electronic wallets with cards linked to the main account are convenient to use in real life. Money for purchases will be automatically withdrawn from the client's electronic account.

Which e-wallet to choose

For Russians, there is a large selection of payment systems in which you can create an electronic wallet without a card or with the issuance of a debit card. To make the right choice, you need to understand how the available options differ from each other:

1. Commission fees. When using an online account, fees may apply for transfers, currency conversions, cash withdrawals, etc. Among Russian services, there are those that provide customers with electronic wallets without commission.
2. Ways to withdraw funds. If you need money not only on electronic accounts, but also in stock, you need to clarify when choosing available ways cashing out.
3. current limits. Each payment system has maximum dimensions amounts of money for daily and monthly transfers, withdrawals, etc.
4. The possibility of obtaining a card that has a single account with an electronic wallet.
5. Availability mobile application systems.

If the main parameters and priorities are defined, you can make your choice among popular Russian or international payment systems.

Yandex money

The Russian payment system, which is loved by users for a number of reasons:

• payment without commission for services of Internet providers and mobile operators;
• the possibility of issuing a MasterCard card that has a joint account with a wallet on favorable terms (199 rubles for 3 years of service);
• withdrawal of funds from the card at any ATMs in Russia and abroad without commission within the limit of 10,000 rubles per month (for identified users);
• the presence of a mobile application of the same name with the function contactless payment Android Pay(for smartphones with Android version 4.4 and above) and Apple Pay(for iPhone SE, iPhone 6 and above).

But there are also some disadvantages:

• the need to go through the identification procedure to gain access to a number of payment transactions (for example, to transfer to a bank account for a private person);
• commissions for transfers to bank cards (3% + 45 rubles);
• selective collection of a commission fee when paying for utilities and other payments (electricity, water supply, tax fees, car fines, etc.);
• All transactions are carried out only in Russian currency.

WebMoney

Many users rate WebMoney as too complex and cumbersome system with an unfriendly interface. But there are undeniable advantages:

• the ability to create online accounts in different currencies to reduce conversion costs;
• streamlined withdrawal of funds in different countries;
• transaction security through unique system certificates;
• a large number of ways to replenish the account.

QIWI

Another representative of Russian payment systems. The main advantages of QIWI are:

• linking a wallet to a mobile phone number and account;
• no need to obtain certificates or other means of identifying a person;
• replenishment is possible from the account mobile phone;
• work with several popular currencies (rubles, dollars, euros, tenge);
• ease of designing a wallet;
• an extensive network of payment terminals and ATMs throughout the country for account replenishment and cash withdrawal;
• convenience of obtaining borrowed funds (to apply for a loan to a qiwi wallet, it is enough to indicate your mobile phone number).

PayPal

Among the main advantages of PayPal are:

• indispensable for shopping on eBay, since payment from an online account is more profitable than currency conversions using bank cards;
• the ability to link the wallet to the user's bank account for easy withdrawal of funds;
• replenishment of the account without commission in the Euroset and Svyaznoy communication stores;
• the possibility of obtaining a free personalized card to pay for goods and purchases abroad;
• convenient private settlements with friends or relatives from abroad (Europe, USA, etc.).

payeer

Convenient multi-payment anonymous system with large quantity methods of depositing and withdrawing cash. The service opens to users additional features for earnings: participation in affiliate program or creating your own exchange office. In addition, Payeer allows you to create an account in cryptocurrency.

Skrill

An international system that has little distribution in Russia. Among the advantages of Skrill are:

• simple registration;
• security of operations due to the verification system and the requirement to periodically change passwords to enter the system;
• convenience of receiving funds from foreign partners, customers.

payoneer

A popular international system that has certain advantages for Russian users:

• no link to a foreign bank account, which allows you not to notify the tax office and not pay taxes;
• issuance of a card with the ability to withdraw cash in all countries of the world;
• the presence of Russian-speaking representatives of technical support;
• ease of payment for goods and services;
• favorable conditions for receiving, transferring and withdrawing cash received from Russian or foreign users.

Nuances and features

Commission fees

Whatever the advantages of electronic wallets, the main thing that worries users is the fees for making payment transactions.

Registration procedure

The algorithm of user actions for obtaining an online account is similar in most payment systems. So, to register Yandex.Money or Qiwi wallet you will need:

1. Fill in the user form (full name, login and password to enter, personal data).
2. Confirm the specified information via SMS or email.
3. Complete the identification process. It usually consists of providing scans of the passport and waiting for the data to be verified. This stage is necessary for those who want to expand the possibilities of an electronic wallet (increase the limit, open additional payment options, etc.).

Which exchanges work with which e-wallets

In Russia, most freelancers prefer to work through specialized content. Such cooperation is quite safe and gives a guarantee of receiving money for completed orders. Exchanges allow contractors and customers to use different payment systems:

1. ETXT: Yandex.Money, Qiwi, WebMoney.
2. Advego: WebMoney.
3. Text.ru: Yandex.Money, Qiwi, WebMoney.
4. Copylancer: WebMoney.
5. Miratext: WebMoney.

Conclusion

An electronic wallet is a convenient service for receiving funds remotely and performing remote operations. Each payment system has its own advantages and disadvantages, so the choice of wallet is made depending on the specific circumstances.

Hello dear readers!

In this article, we will look at the most popular e-wallets, evaluate their advantages and disadvantages. And, in the end, we will try to determine which wallet is better to choose.

Digital technologies. Thanks to them, our life becomes more and more convenient and comfortable. Things that were previously unthinkable are becoming more and more real every day. In particular, this applies to communication and communications.

Do you know how people used to communicate? They wrote a letter and sent a messenger to the addressee. Especially "quickly" this process occurred with international correspondence.

The same instantaneous transmission speed has been achieved today by financial technologies. Now we can make a money transfer in just a couple of clicks. And, the funds will reach the recipient. Instantly!

Why you need an e-wallet

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

Even more convenient - work through electronic payment systems. There are a number of reasons for this.

• You can create an e-wallet very quickly and easily.. In most cases, this is much easier than opening a bank account. In addition, everything is done online and you do not need to visit the office.
• commissions of payment systems are lower than banking ones. After all, banks need to feed a huge staff of employees. Maintain offices. Bear the administrative costs. Pay premiums. And for electronic payment systems, these costs are scanty.
• most electronic payment systems independent of political factors. Even counterparties of warring countries can freely settle accounts among themselves, regardless of the mutual restrictions of their countries. There is the Internet, so there is full access to the calculations.
• Another advantage of electronic wallets is versatility. Today, there are a lot of services where you can pay with electronic currency, but not with banking. In particular, this applies to and.

Most e-wallets are as convenient as bank accounts. That is, we can create a wallet, order a plastic card and pay it in stores. Just like with a regular bank card. The card will use the funds that are on the electronic wallet.

Good. But there are several electronic payment systems. All have their own characteristics, their own tariffs. So which wallet is better?

Comparison of electronic wallets

There are really many wallets. However, not all of them are widespread.

We simply cannot pay with exotic or unpopular electronic money. Accordingly, let's look at exactly those systems that are the most popular and common.

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

This is a Russian payment system. It is well-spread in Runet, convenient and profitable in operation. Ideal for those who make money online.

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

That is, we can get a Ya.Money card and pay for it in stores around the world. We can go, for example, to the most beautiful Ukrainian city of Lviv. And, calmly pay in local shops with hryvnia. Or, in the summer to go to Turkey. Almost all shops there accept dollars or euros. Payments that are available through Yandex.Money.

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

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

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

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

This is the first and most widespread cryptocurrency. Used everywhere, and even growing in price. Plus, the system is very transparent and secure. True, sometimes, due to their peculiarities, bitcoin calculations are delayed. Each operation requires several independent confirmations. Confirmation may not come immediately. And, this is the main minus of bitcoins.

A convenient wallet that allows you to work with dollars, rubles and euros. The system is popular and widespread. Rates are slightly higher than competitors. But, the system is very versatile and secure.

Second echelon

The system is used in the largest online auctions such as eBay. The system is very convenient when making online purchases. Also, it is ideal for sellers on eBay. But, for other situations, PayPal is categorically not suitable. Outside of online auctions, it is absolutely not common, not popular. In addition, it is very expensive in terms of exchange / withdrawal of funds. So, I suggest not to consider it further.

One of the most popular payment systems in the world. Funds can be stored in dollars, euros and bitcoins. "PM" combines high speed payments, good security and low fees. It is believed that this system is the most confidential. No state authorities do not control it. Can't track payments.

This is a system that is used only in gambling. And nowhere else. Therefore, I suggest that we do not even consider it further.

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

Please note that the creation of a wallet and its maintenance for all systems is free.

Possibilities and tariffs of electronic wallets

Drawing conclusions about wallets

Internal transfers are the cheapest in AdvCash and QIWI and Yandex.Money. Perfect Money and Payeer also have low commissions. Also, it is beneficial to use bitcoins. But not for small amounts.

All systems allow you to release payment card. In my opinion, the most better conditions Yandex.Money and QIWI. Their obvious plus is both the low price and the ruble face value of the card. In addition, both systems offer us modern premium cards. With the possibility of contactless payments and 3D Secure security system.

Cards of other systems are expensive, denominated in dollars and in themselves are inconvenient. They cannot pay contactless. Yes, and online shopping in some cases will be difficult.

If we still talk about a dollar card, then the Payeer card is cheaper and more convenient. Both virtual and ordinary.

Cashing out dollars is about the same everywhere. Both in terms of the course and in terms of commissions. But it is definitely more profitable to withdraw rubles through Yandex.Money and QIWI. First of all, due to the fact that you do not have to convert funds.

Also, you can withdraw money from any electronic wallet using. To do this, simply change money from an electronic wallet to money on your bank card and withdraw it from an ATM. Please note that changing WebMoney is long and rather laborious. The rest of the systems are exchanged. Moreover, in many cases, the exchange occurs instantly.

On the disadvantages of wallets

The systems Perfect Money, Advanced Cash, Bitcoin (there you can generally track and verify each transaction) and WebMoney have the greatest security. But in WebMoney, security is implemented extremely inconveniently. In general, the security of other systems is also high.

Yandex.Money + AdvCash - my favorite combination of payment systems

Since I started talking badly about WebMoney, here's another stone in their garden. Almost all considered systems, except for WebMoney, are completely confidential. That is, the same tax service does not see them and will not check them. And in WebMoney - easily. At the same time, I recommend everyone to be self-conscious and pay taxes honestly.

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

What is the best e-wallet?

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

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

And which e-wallets are closer to you?

I would be grateful for your opinion, questions and comments on which e-wallet is better to choose.

I wish you all a profitable investment!

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The popularity of electronic money is growing. With their help, you can remotely pay for the services provided, pay for purchases on the Internet, receive funds for the work done. In order to be able to use this tool, you must have an electronic wallet. And although creating it is quite simple: you need to figure out how to get an electronic wallet and where you can do it.

What is an electronic wallet, and what services exist today that allow you to start it

E-wallet means special program, with which the user can store his money and perform various manipulations with them. In fact, this is a kind of analogue of a bank account. The funds that are stored on such a wallet can be transferred to the required account within a few minutes.

Today on the market a large number of services that provide such services. The most popular among the citizens of the country are three services:

• WebMoney;
• "Yandex money";
• QIWI.

The difference between the systems lies in the currencies they work with, the opportunities they provide, as well as the commissions. When choosing a particular service, a citizen needs to focus on what he needs an electronic wallet for, in what currency he is going to store funds and how he will use them.

Creating a wallet in WebMoney

One of the most popular services is the WebMoney system. Users can store funds in multiple currencies. The company began its work in 1998, having managed to acquire a solid customer base during its presence on the market. Opening a wallet in this system is easy. To do this, follow the instructions:

Since new users are given a formal passport, at first they can only use the Keeper Mini service. After you enter it, you need to opposite the menu "Wallets" click on «+» . After creating a wallet (you need to select a currency and agree to the terms by checking the box), you can start using it.

The formal certificate is accompanied by certain restrictions. If the user needs to expand the functionality of his wallet, it is necessary to go through the certification procedure. After that, you can get a higher level certificate.

"Yandex money"

A little later, another similar service was launched - Yandex.Money. This happened in 2002. Like WebMoney, Yandex today has a large number of regular users. However, unlike the previous service, Yandex allows you to store currency only in rubles. Therefore, the expediency of its use by persons who need to keep funds in a different currency is doubtful. You can open an electronic wallet in the system as follows:

1. Register mailbox. If there is already one in the Yandex system, go through the authorization procedure.
2. After that, the user will be transferred to the personal page. At the top are the items: Maps, Videos and More. You must click on "More" and go to section "Money".
3. In chapter "Money" you need to select an item "Open Wallet"
4. First of all, the user will be asked for a cell number. In the future, with its help, it will be possible to restore access to the wallet in case of loss of the login or password.
5. In the next part of the questionnaire, you will need to enter the code that came to your mobile and indicate your email address, as well as agree to the terms of use.
6. Once all fields are filled in, click on "Open Wallet" Accordingly, after this action, a separate electronic wallet will be assigned to the user, which he can use for his own purposes.

Previously, the registration procedure could be completed without using a cell phone, but this option was removed due to the need to increase the security of funds stored on wallets.

Electronic wallet QIWI

Even younger is the Qiwi payment system, founded in 2007. A notable feature of the service is the presence of many terminals in different cities of Russia, with which you can access own funds. That is, even if there are problems with the Internet, the user can still use his funds using the nearest terminal.

Signing up for the Qiwi service is quite simple. For this you need:

The wallet number corresponds to the mobile number. It is possible to use four different currencies, including tenge, dollar, ruble. For their services, the service charges a commission, which is two percent. However, previous systems also charge for making payments.

Thus, before creating an electronic wallet, the user needs to decide on the goals of opening it. The choice of a particular system will depend on them. Today there are a large number of electronic payment systems that provide such services, but the most popular are three services: WebMoney, Qiwi, Yandex.Money. The procedure for registering and creating a wallet is quite simple, just follow the instructions above.

Electronic money and payment systems have developed rapidly in recent years, but many people still continue to traditionally use ordinary cash. Mostly those who just have not yet encountered how easy it is to use an online wallet. In this article, we will consider in detail the question of what an electronic wallet is and how to create an electronic wallet.

Wallet types

There are a huge number of different electronic systems on the market, each web wallet has its own unique features. The integration of services with various payment systems occurs as certain legislative norms are adopted. For example, if at the dawn of the existence of virtual title units, no one could have thought that it would be possible to pay utility bills, telephony or, then today you will not surprise anyone with this.

The main difference between virtual title units and ordinary money is that they cannot be touched, they are abstract units, and the possibility of payment using services is guaranteed by the founding banks or institutions that support the services.

In the CIS, the most popular systems are:

1. webmoney.
2. Yandex money.
3. PayPal
4. QIWI wallet.
5. EasyPay.
6. perfect money.
7. Banking electronic money, for example, Sberbank Online.

Each electronic wallet has strong and weak sides, they must be taken into account before giving preference to one or another system. Now let's look at each service individually.

WebMoney

PayPal

QIWI wallet

EasyPay

perfect money

Can only be used by people who have an account or card with this bank. There are also a huge number of similar services from other banks.

What is an electronic wallet: Video

Using Wallets

Now let's look at how to use an online wallet. In each case, the algorithm is different. For example, to make a transfer of funds from one module to another, you must enter a special identifier-number and confirm the operation. The number can be found on home page wallet or in the "Settings" menu. In PayPal, for example, the identifier is email box user.

Replenishment of wallets

An important question is how to replenish an electronic wallet. The procedure and algorithm for this again depends on the service used, as a rule, replenishment is done using a linked card or bank account.

In the case of a QIWI wallet and some other services, you can transfer money to an electronic wallet through the terminal.

Cash conversion

It is also important to understand how to withdraw money from the wallet. For this, it is most convenient to use exchangers, and a special resource works to monitor the most profitable rates. In the first column, an electronic wallet is selected, in the second, all possible ways exchange. Almost all of the above services are presented in the system (except for PayPal, through which it is better to make a withdrawal directly to the linked bank account)

It is often possible to cash out money from an electronic wallet directly - through a bank card or account, or by transferring it into the currency of another payment system and then converting it into cash.

Withdrawing money from an electronic wallet is easiest and fastest with the help of exchange offices.
You can also put money into an electronic wallet through the above service. Only in the first column, the source of funds is selected, and in the second, the services where this money can be deposited will be highlighted.

How to use an internet wallet: Video

Paying for purchases, transferring money is now much faster and more convenient. Especially for such operations, there are special wallets that work online - electronic. Today we will tell you how to get them, use them and list the most popular and convenient ones, according to users.

An electronic wallet is an application in which a user registers and conducts financial transactions with his own funds: pays for purchases, fines and taxes, transfers money to other users, replenishes the wallet and withdraws money when it is convenient for him. This is much easier than creating a VKontakte group, as it does not require any additional knowledge and skills.

To start using an electronic wallet, you need to start it, and we will now tell you how to do it. Well, firstly, you need to understand that an electronic wallet is, roughly speaking, your account, like in a social network. network, only here you need to indicate all your personal data: full name, passport data, bank card numbers from which money will be transferred to the wallet.

So, first you need to download the application to yourself on the device from which the electronic wallet will be logged in: smartphone, tablet, computer.

Further, as we have already said, enter all the required data that the application will request. And, as a rule, make a down payment, that is, a small amount, so that the wallet starts its work. Unlike safe SEO website promotion, the process of setting up an e-wallet is much easier and faster.

The task of an electronic wallet, or rather, what it is for, is to quickly make financial transactions. Just imagine, you urgently need to pay your bank loan debt to the end for, there are only a few hours left, and you, purely physically, do not have time to reach the bank and do it.

And the only way“Salvation” from debts will be an electronic wallet. You just need to specify the details of the account to which you want to transfer the required amount, which is also indicated.

The receipt is saved in JPG format to the device and stored in the gallery so that it can be printed at any time.

Electronic wallets are very convenient to use if a person works remotely. For example, if you become a freelancer, then it is very convenient to accept payment for orders through electronic wallets. This way you will limit the risk of sharing your bank card details with fraudsters and simplify the payment process.

The only disadvantage of using electronic money is that you can work with them only with Internet access. Even if your wallet is tied to a bank card. There are also certain limits for money transfers, and of course, a commission is charged, it is different for all wallets, but the standard commission is 3%.

Many who start using an electronic wallet begin to wonder: “What is an electronic wallet number and how to find it?”. The answer to this question is very simple. The e-wallet number is the phone number to which the wallet is linked.

Usually, the wallet number is requested for all transactions, most often for purchases. Therefore, do not be afraid and just indicate the phone number, it is absolutely safe and fast.

TOP 3 most popular e-wallets

If you are in doubt about which e-wallet is better to use, then our selection of the TOP 3 most popular e-wallets used by the largest percentage of users will come in handy.

This is one of the most common and convenient electronic wallets. Firstly, almost any online store has an account in this application, so making purchases using this wallet is possible almost everywhere.

So QIWI is very easy to register and use. Moreover, this company has developed special application for smartphones so that users can Money transfers from any device.

WebMoney. No less popular electronic wallet, which many companies and entrepreneurs are used to using. A beautiful and user-friendly interface and calculation system helps the user control their finances and pay for the cost of website promotion in Yandex without leaving their wallet.

Yandex is increasingly developing more and more new features to make life easier for users. Thus, an electronic wallet from Yandex appeared. Its advantage is that, unlike other wallets, Yandex.Money works if you specify just an email. Of course, you should also have a wallet number in the form of a mobile phone, but you must agree that using the mail is much more convenient.

Conclusion

In conclusion, I would like to say that such a service as an electronic wallet allows you to significantly simplify the processes of financial transactions. Also, with the help of them you can not only easily and simply pay for all types of services, but also earn.