How to work with an electronic wallet. Which one to choose and how to use an electronic wallet

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

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

What is an electronic wallet

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

With it you can:

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

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

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

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

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

Each user can create an electronic wallet for free.

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

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

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

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

How to create Yandex.Wallet

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

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

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

After you open a Yandex.Money wallet, you will only have access to basic translations like replenishing the phone, the Internet and paying utility bills.

Yandex.Wallet has several levels:

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Yandex.Map

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

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

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

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

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

How to create a Qiwi e-wallet

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

There are three ways to make a Qiwi wallet:

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

The easiest option is to register on the site.

To open Qiwi e-wallet, you need:

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

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

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

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

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

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

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

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

You can top up your Qiwi wallet in several ways:

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

You can transfer money from your wallet:

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

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

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

Qiwi Map

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

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

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

How to create an electronic wallet Webmoney

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

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

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

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

You can replenish your Webmoney wallet:

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

You can withdraw money via Webmoney:

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

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

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

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

Additional cash withdrawal method

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

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

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

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

Which e-wallet is better to choose

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

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

	Yandex	Kiwi	WebMoney
Convenience	5	5	3
Security	5	5	5
Commissions	4	5	5
Capabilities	5	4	5

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

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

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

You will learn how to open an electronic wallet in various payment systems, how to replenish it or withdraw money. Read all about the features of registering and using electronic wallets.

Good afternoon, dear readers! This is Denis Kuderin, a staff expert on financial topics at HeatherBober magazine and a professional editor.

For five years now, I have been working exclusively remotely and getting paid via the Internet. For these purposes, I use bank cards and electronic wallets. Now I have accounts in all popular payment systems on Runet: I use each of them from time to time.

Today I will tell you how to create an electronic wallet quickly and without hassle, how WebMoney differs from YandexMoney, and what is the most profitable way to withdraw money.

You will also learn who should definitely have a virtual wallet, which accounts are used for international payments, and how to correctly convert electronic dollars into electronic rubles.

1. Who might need an e-wallet

I started my first electronic wallet (EC) 10 years ago for settlements with a bookmaker. Since then, I have been an active user of electronic payment systems (EPS), and I know all the pros and cons of each of the companies.

At one time I used only WebMoney and avoided other services, then I realized that the competitors of this service have their own advantages. Now it is more convenient for me to work with YandexMoney and Qiwi.

At the same time, I use Internet banking. In some situations, direct card-to-card transfers are preferable.

The services that we call "electronic wallets" are a kind of intermediaries between individuals, companies, organizations that make financial transactions with each other. Like any intermediaries, they charge a commission for their services. In some systems, they are more, in others less, but in general, the requisitions are quite tangible.

Registration in most domestic services is free and does not take more than 5 minutes. You have the right to create an anonymous storage for digital currency - in this case, no one will know your personal data when receiving and transferring money.

But keep in mind that anonymous accounts have limited functionality. So, on an anonymous Yandex wallet, a user has the right to store and cash out only 15,000 rubles.

The main advantages of payment services are speed, convenience and reliability. You will not lose your electronic purse, you will not leave it at a party. To use the funds, you only need an Internet connection.

Who needs an e-wallet:

• freelancers and remote workers - designers, translators, writers, editors, web programmers;
• owners and employees of online stores;
• buyers of goods and services on the Internet;
• owners of sites, blogs, publics and groups in in social networks who earn on advertising;
• players in bookmakers and gaming services;
• anyone who needs to pay for services, work, material or digital products remotely.

In other words, the need for electronic payments occurs periodically in every citizen.

Internet banking is, of course, great, but not always fast and convenient. And not everyone has a bank account. Opening a bank account is somewhat more difficult than an EPS account. As a rule, systems do not take money for account maintenance - you pay commissions only for specific transactions.

Without payment services, modern online commerce would not have such development.

EPS is used by both ordinary buyers and large businessmen - for example, when buying wholesale consignments of goods at Western auctions, experienced people prefer to pay using PayPal. The account in this system is tied to the card, and all payments are instant.

Such as Yandex and Qiwi even issue their own plastic cards. You pay 200 rubles for three years of service, and you no longer need to withdraw money from your account to go to the supermarket for groceries.

Pay by card without losing interest for cashing out! And this is not an advertisement for the service - I myself use such a card wherever there is acquiring. Comfortable, fast and no need to look for a trifle in your pockets.

Payment systems and cryptocurrency

The creators of the cryptocurrency intended to radically change the system of mutual settlements in the network - to completely eliminate the intermediary link and thereby reduce the cost of transactions.

So far, the task is only half completed. That is, the blockchain technology has been created and is working, but so far only a few use financial settlements in the crypt.

This means that it is too early for wallets to turn into dinosaurs of the digital world - on the contrary, the popularity of EPS is steadily growing, as evidenced by statistics. Millions of new users register for the services every year. Even my retired dad has an EC that he successfully uses.

2. How to open an electronic wallet - instructions for beginners

Registration of a new EC is the simplest process available to every reasonable person. Payment services strive to simplify the wallet creation algorithm as much as possible, but some steps cannot be shortened.

Expert observation: speed and ease of registration are not the main indicators of quality. The storage of electronic money should be, first of all, reliable and convenient. Another important criterion is prevalence.

For example, almost all online stores accept WebMoney and Poison, but the Wallet One service (Single Checkout) is not one of those known to everyone, despite all its advantages.

For an active Internet user the best option– registration in several EPS.

To Qiwi

To register a new Qiwi-wallet, you only need a phone number. In Russia, Qiwi is one of the most popular ECs for paying for services, entertainment and goods.

How to open an account:

1. Go to the official website of the company. Learn about the features and benefits of Kiwi.
2. Click on "Create Wallet".
3. Enter phone number.
4. Enter the code that will come in the SMS message in the appropriate field.
5. Create a complex login password.
6. Sign in.

Additional options from Qiwi - ordering plastic for offline payments, cashbacks in online stores: at the time of this writing - in Nike, Aliexpress, Media Markt, Lamoda, etc.

Qiwi has thousands of payment terminals throughout Russia, and the process of creating an account takes an average of 1-2 minutes.

More about this EPS in the video:

On Yandex.Money

EPS Yandex.Money has been operating on the territory of the Russian Federation since 2002 and performs transactions only in ruble currency.

The procedure for creating an EC is as follows:

• if you already have mailbox in Yandex, the process is simplified - log in, go to the "Money" section and select "Open Wallet";
• identification takes place by the mobile number to which you will be sent SMS;
• after filling in all the required fields, you will only have to log into your account and use all its options.

If you want more opportunities, order a POISON card. It will arrive by mail in 7-14 days.

There are three levels of accounts - Anonymous, Named, Identified.

Their differences are presented in the table:

There are several ways to pass identification: at Yandex.Money offices, at Euroset and Svyaznoy stores, through Sberbank Mobile Bank.

To WebMoney

The oldest EPS in Runet. It is successfully used not only in the Russian Federation, but also in Belarus, Ukraine, and Europe.

Currencies - rubles, hryvnias, dollars, Belarusian rubles, bitcoins, litecoins. The conversion of one unit to another within the service works, but the exchange rate is not always favorable.

Registration in WebMoney is more complicated than in other EPS, and takes more time. This is due to the concern of developers about the safety of customers.

EC creation algorithm:

1. We go to the registration page in the system (obtaining an identification number WMID), enter the phone number.
2. Next, you get to a page with a large number of fields for entering personal data. Fill them out in detail and honestly, otherwise there may be problems with identification in the future.
3. A letter will be sent to the mail, which you need to open and follow further instructions: enter a verification code, confirm your phone number, enter a password that you will receive by SMS.
4. After registration in the system, the process of creating a wallet follows. Select the appropriate tab and the currency in which you will make transactions.
5. You must obtain a Certificate of Authenticity to gain access to fund management. This is done by sending passport details to the administration.

Several levels of attestation are available to the owners of WM-purses - pseudonym, formal, initial, personal. The higher the level, the more options the user has.

For the convenience of users, special client programs called Keeper have been created. They are downloaded to a computer or phone and used for payments and transactions. Their activation, storage of keys and transfer to another computer is a topic for a separate discussion.

3. How to replenish an electronic wallet - proven methods

Replenishing a wallet is always easier than withdrawing money from it. It is beneficial for companies that users enter into accounts as much as possible more money, and therefore the commission for replenishment is either minimal or completely absent.

Consider the most popular replenishment options.

Method 1. From a bank card

The simplest and fast way. Especially if the card is already linked to your EPS account. If not, please enter a number. bank card and replenishment amount.

The system commission is 1%, some banks charge additional interest.

Method 2. Through payment terminals

Another reliable option, though not as fast as an online transfer from a card. To replenish your account, you will need to leave your home and visit the nearest place where a payment terminal is installed.

In large cities, there are such machines in every supermarket and store. Terminals can be specialized (for example, devices for Qiwi clients) and universal, which can be used by owners of any wallet.

The commission depends on the ATM and the amount of replenishment.

Method 3. Transfer from another wallet

It happens that you have money, say, on WebMoney, and you urgently need it on Qiwi. Order a transfer of funds from one EC to another and use the funds in a couple of seconds.

Method 4. Cash

Let me explain with an example of poison. Go to a bank, Euroset or Svyaznoy salon and make a transfer, or use international payment services. If these are partner companies, they will not take a commission; in other services, be prepared to pay up to 5% for a transfer.

Method 5. Using bank transfer

An option for those who are not in a hurry and prefer formal banking operations. Find out the EPS details and make a transfer through a bank branch.

Please note that the transaction execution time is up to 5 days.

4. How to cash out

Turning virtual money into real money involves paying a commission. Tariffs for cashing out in different EPS range from 2.5 to 5%. There are limits on amounts for different types of EC. And some anonymous accounts do not allow such an operation at all.

Consider the most popular methods.

Withdraw to bank card

Not to say that it is profitable, but it is fast. I linked the card to the account and withdraw without problems within the established limit.

If I urgently need cash, I transfer it to an Alfa-Bank card from Yandex Cashier. I lose 3%, but in other systems the rates are similar. In other words, 100 virtual rubles is not 100 real, but somewhat less.

Transfer to bank account

This is longer, but some employers prefer bank transfer: it is easier for financial reporting. Withdrawal speed - from 1 to 7 days.

Carefully indicate the details: make a mistake in one figure, the money will be returned back, or even hang in the system for an indefinite period.

Use the service of exchangers

The most difficult and least reliable way. Online exchangers charge workers 5-7% for each transfer. Use them only if no other options are available.

In 2016, WebMoney unexpectedly experienced a system failure, as a result of which transfers from WMR to cards of Russian banks became impossible. I had to use payment services such as Unistream or resort to the services of exchangers. Both options were long and expensive.

Not all exchange offices are equally efficient - in some, the money came to the account in 15-20 minutes, in others it was necessary to wait a day or more.

There are other, less popular withdrawal methods. For example, through the offices of some EPS, which are in large cities.

The most difficult thing is for residents of countries that do not have their own payment companies. I have friends from Kazakhstan who receive payment on WebMoney (other EPS either do not work there or do not provide for cashing out). Cash withdrawals are carried out by private merchants who charge from 10 to 20% for their services.

Share with friends!

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 make 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 to control their finances and pay for the cost of site promotion in Yandexwithout leaving the 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.

Online wallet- this is information at the disposal of financial institutions about funds that have been transferred to an electronic version.

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

Also, an electronic wallet can be considered as software that allows you to store and use money in an electronic system.

An electronic wallet is a device that helps you store money in your memory, make purchases and make various payments without leaving your home.

Such electronic wallets have recently gained more and more development.

Through the concept of an electronic wallet, the concept of electronic money has also been developed.

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

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

E-wallets have recently gained more and more popularity due to their ease of use and storage. Such money cannot be lost or stolen. On the other hand, it is easy to withdraw such money.

Types of electronic wallets

The main purpose of an electronic wallet is online payments, which allow you not to pay in person.

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 accept various currencies into their account, but also make automatic payments.

Advantages and disadvantages of an electronic wallet

The main advantages of electronic wallets

• Simplicity and accessibility in registering such a wallet. To register in the system, you just need to provide information on certain form, in addition, there are various instructions by registering a wallet.
• Simplified to a minimum procedure for replenishing an account or withdrawing funds. This can be done either through payment terminals, or by transfer from a bank card, or in bank branches that cooperate with a similar payment system.
• The system of payment for purchases and services through an electronic wallet is very widespread, so you can pay for almost any purchase. You can pay for purchases without leaving your home.
• No commissions or fees are charged for the maintenance of such wallets.
• Allows you to exchange currency at the rate set by the payment system.
• Allows instant transactions.
• The term of use of such a card is unlimited.

Disadvantages of e-wallets

• Nevertheless, with the widespread use of payment systems, in some stores it is still not possible to pay in this way.
• If your e-wallet is not tied to a bank card, then you will be able to use this wallet only if you have access to the Internet.
• There is a possibility of such wallets being hacked by scammers.
• There are difficulties in cashing out funds from such wallets.
• It is difficult to restore the wallet profile when it is lost.
• E-money is easier to spend. It's on a psychological level. We do not hold real money, we do not feel their weight, so we part with them without regret.

Commissions when using electronic wallets

It is worth mentioning that there are no electronic wallets that would not charge a commission.

However, all purchases made from such payment systems are not burdened with commission fees. It is important to pay attention to the commission when withdrawing funds or transferring them.

The most common money transfer system is Visa, and the RBC Money system also belongs to the same category. But there is a transfer limit of 100 thousand rubles.

The highest commission for money transfers outside the Russian Federation is charged by Yandex. Money. It is 3% of the transfer amount plus an additional 15 rubles from each transfer.

For other electronic wallets, such a commission ranges from 1.5% to 2% of the transfer amount.

The withdrawal of funds from wallets through the Contact system is also very expensive. For example, when withdrawing money from Yandex. Money, you will be charged a commission of 4.5% of the total amount, from the Qiwi system - 3.5%.

Options for using e-wallets and withdrawing money

When using an e-wallet for the first time, it is necessary to go through the registration procedure, download an application or program for using an e-wallet and create a so-called payment drive.

In order for money to appear on the electronic wallet, you either need to buy a special card and replenish your account through it, or by transferring funds from a bank card, you can send money through the post office or deposit it through a payment terminal.

You can withdraw money in one of the following ways:

• transfer them to your bank card;
• transfer through specialized organizations;
• transfer to a bank account.

Registration of electronic wallets

Creating an electronic wallet Webmoney

1. First you need to go to the official website of the e-wallet and enter your phone number.
2. Next, you need to enter more detailed information About Me.
3. Then to your email mail will come confirmation letter with the code required for registration.
4. This code will need to be entered on the site to confirm your data.
5. Then an SMS with a verification code should come to the mobile phone.
6. Then you will need to select the currency with which you plan to work subsequently.

In order to start full-fledged work through this wallet, you need to get a certificate. To do this, you need to upload scans of your passport and provide some of your personal information. Operations can be confirmed both via SMS, captcha, or using the question-answer method.

Only a person who has reached the age of 18 can create such an electronic wallet.

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

Creating an e-wallet Qiwi

First, you also need to go to the official website of the electronic system. You need to read the contract, accept its terms and enter your valid phone number, after which an SMS with a confirmation code will be sent to your mobile device. This completes the registration and you can replenish your wallet account.

The advantages of this system is a rather simplified registration: just indicate your mobile phone, after which you will receive a verification password. You can replenish the balance of such a wallet without commission and all payments and transfers are carried out very quickly.

The main advantage of such a system is the ability to maintain complete anonymity when making transactions from such a wallet. However, anonymity is preserved if you withdraw up to 40 thousand rubles from such a card every month.

In general, the transaction limit is 100 thousand rubles to preserve anonymity. This means that you can spend another 60 thousand rubles by paying with this card in stores.

Creating an e-wallet Yandex. Money

When using this system for the first time, you must also identify your identity. Go to the official website of the wallet and open an account. Then you will need to come up with a username and password for your wallet, as well as indicate your mobile phone number. An SMS message with a verification code will be sent to your phone. After entering it on the site, you need to read the terms of use of the wallet, accept them. You can remain completely anonymous if you wish. The wallet is ready to use.

Such a system does not charge commission fees for paying for purchases via the Internet system and for replenishing the balance of a mobile phone.

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

Creating a PayPal e-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 as popular as in other countries of the world. PayPal must be linked to your bank card. To do this, you provide the details of your account, within a few days you will receive 2 transfers in the region of 10 kopecks. After that, you will finally link your bank account with the system.

If you are actively shopping abroad, you definitely cannot do without this payment system. 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.

Creation of a single electronic wallet

This wallet allows you to pay for services online. You can use this wallet with mobile device, and through Personal Computer or tablet.

To register, just enter your phone number, to which you will receive an SMS with your wallet number and password. Many payments through this system carried out without charging a commission. You can withdraw money from your account through any post office.

Wallet Beeline

The electronic wallet was created for making micropayments, no transaction fees are charged, the system works together with Alfa-Bank. It is possible to transfer funds to a bank card or to a Webmoney wallet.

Hello everyone, dear readers of the blog site! Gradually, a significant part of banking operations is transferred to the worldwide network. Now, in order to pay for utilities, telephone or Internet, to send money to a friend, there is no need to even go to, and even more so to wait in line at the checkout. Cash and non-cash payments are being replaced by virtual ones, which are carried out in special services. What is an electronic wallet and how to use it, we will tell in our article.

An electronic wallet is a virtual service in which settlement operations are carried out. His account contains money, but only presented not in the usual paper form, but electronically. The user can dispose of them at his own discretion, transfer them to other people, pay for services or online purchases, withdraw to bank cards.

The history of electronic wallets began in the United States in the 1970s, but they came to a service close to the modern understanding only in the 1990s. About the same time virtual systems calculations appeared in Russia. On the this moment Russians have access to several domestic online systems and foreign portals for online payments.

The main purpose of a virtual wallet:

• Fast and convenient online payment. Many electronic systems allow you to transfer money against various services or online orders. For example, pay off a traffic police fine, send money to a phone, pay utility bills, bank loans, etc. For these purposes, it is preferable for Russians to use domestic services, because, as a rule, these options are not provided in foreign ones.
• Bank card protection. Online fraud is quite common, but an electronic service will help not to compromise the data of your plastic. To do this, you need to replenish the wallet account with the required amount and make a payment through it. To do this, it is not even necessary to link the card to the payment system, just transfer funds to it without "shine" card details.
• Receiving transfers from others and sending them. This opportunity was appreciated by freelancers. If you work with customers all over Russia or even the world, an Internet wallet will allow you to receive payments from them in real time. Within the same payment system, the transfer usually goes without, which rarely happens with an interbank transfer.
• Fast transactions. If we compare the speed of an electronic wallet with a bank card or account, the advantage will clearly be on the side of the first. On the Internet, transfers are carried out in a matter of seconds, while the processing of a transaction by a bank can take several days.
• You can keep money in different currencies. As a rule, Russian rubles, dollars and euros are available. But some expand these possibilities, in particular, it allows you to make payments in 40 currencies of the world. Others enable users to work with cryptocurrencies.

AT payment service log in through a browser from a computer or through a mobile application. Serious online wallets that have been working for a long time have programs for a smartphone that completely repeats their main functions. Using such applications is even more convenient, because they are always at hand.

To open an electronic account, you must select a payment system and register in it. As a rule, it is very easy to do this, you only need to provide contact information (phone and email) and confirm them. Some services require the mandatory provision of personal and passport data. But in most of them there is the possibility of anonymous use of the wallet, albeit with great restrictions.

By Russian legislation without identity verification, you can conduct financial transactions and keep only up to 15 thousand rubles on the account. If you use foreign payment systems, these limits may be different. Amounts above require mandatory identification, and it is carried out at different levels:

• Indication of personal information (last name, first name, patronymic, date of birth, series and number of passport, residential address, etc.).
• Binding of scanned documents. An Internet service, as a rule, requires you to provide a photo or a scanned copy of your passport (usually pages with a photo and registration). Additionally, you may need SNILS, TIN, driver's license or other document confirming the person's identity.
• Selfie with a passport. Such a condition, in particular, exists in .

Of course, the payment service is primarily concerned about security and the absence of claims from law enforcement agencies. The fact is that anonymous virtual transfers are ideal for those involved in fraud or money laundering. For this reason, e-wallets try their best to obtain data about their users.

For example, the service may set restrictions on transactions. Without identity verification, a person can only pay for the phone and a couple of other simple services, and withdrawing money to bank cards is prohibited. The more information the user provides about himself, the greater the limits on operations that open to him.

In addition, some services block accounts if they have doubts about the legality of the operation. It will be possible to unblock your personal account only after confirming your identity, and the passport data must match those specified during registration. AT otherwise money from the electronic account will not be returned to you.

How to use virtual wallets

Usually, registration in the system and the use of an electronic wallet are free of charge. But for the commission of almost all transactions in it, you will have to pay a commission. Tariffs are set by each payment service independently. They can vary from 1% to 7-8% of the transfer amount.

To work with a virtual wallet, users usually need the following options:

1. Refill.
2. Withdrawal of money.
3. Transfers to other wallets.
4. Payment for services.

There are other functions, the availability of which depends on the selected virtual service. In particular, WebMoney makes it possible to borrow money from other users (but only to certified accounts), to accumulate, and to make payments in cryptocurrency. Many domestic systems are integrated with the State Services portal, which is very convenient. User directly to personal account there are reports that he has a traffic police fine or a decision from bailiffs.

Let's analyze the main functions of the payment system. The conditions for their implementation vary depending on the chosen service, but on average they look like this. Replenishment of the virtual account is available in several ways:

• From a bank card.
• From a bank account.
• From a mobile phone.
• By transfer from another electronic account, and not necessarily in the same virtual system.
• Through payment terminals. In particular, they have their own devices throughout Russia.

You can find out the number of the Internet wallet in your personal account after registering. For example, WebMoney and Payeer assign a unique digital number, uses the address Email user, Qiwi - mobile phone number.

For those who work on the Internet, the main question is how to withdraw money from a virtual account or pay it off in real life. Electronic payment systems offer different options:

• Withdrawal to a plastic card or current account. The undisputed leaders here are PayPal, which allows you to receive electronic money to your bank details for free, albeit not in real time. Other services take an average of 4-5% of the amount.
• To your own card issued by an electronic system. Yandex.Money and Qiwi can boast of such plastic. The card allows not only to withdraw money from it (albeit with a commission), but also to pay at the checkout. Unfortunately, cards of foreign payment systems are not available to Russians, although they are actively issued abroad.
• To a mobile phone number.

You can immediately send money to pay for goods in an online store, for any services, or to another person to a virtual account.

The variety of electronic payment systems puts the network user in front of a difficult choice. Therefore, when making a decision, you should proceed from what operations you plan to carry out in the service. Before you get a wallet, think about what exactly you will use it for.

The choice of service depends on its features:

• If you often make transfers abroad, buy goods in foreign online stores, but do not plan to pay for services in Russia, best solution will create an account in a foreign payment system. Payeer , Epayments , or .
• To make transactions in our country - transfers, payment for services or transfers to your card, it is best to use domestic services, or as close as possible to the needs of Russians.
• Pay attention to what currency is available to open a virtual account. If you work with cryptocurrencies, it is better to opt for Payeer, Epayments or Skrill.
• The speed of operations, friendly interface, simplicity and clarity. If we compare these parameters, among the Russian systems, the advantage is on the side of Yandex.Money.

There are many other parameters by which e-wallets can be compared. Independent feedback portals will help to objectively assess the situation, where real people leave their own opinion regarding the experience of using a particular service. Here you can understand what place the electronic wallet occupies in the popular popularity rating, get acquainted with the possible problems that arise when using it.

The most popular payment systems among Russians are WebMoney and Yandex.Money. Qiwi is significantly inferior to them due to the high commission and technical flaws in the service. This is followed by foreign online wallets that are not in great demand in Russia, because many operations in our country are simply not carried out. Although abroad, these virtual systems are very popular. Here are the most famous of them - Payeer, PayPal, ePayments, Skrill.

If you liked our article, then share it on social networks and be sure to subscribe to blog updates so as not to miss a lot of interesting things!

sp-force-hide ( display: none;).sp-form ( display: block; background: #ffffff; padding: 15px; width: 760px; max-width: 100%; border-radius: 10px; -moz-border -radius: 10px; -webkit-border-radius: 10px; border-color: #dddddd; border-style: solid; border-width: 2px; font-family: inherit; background-repeat: no-repeat; background-position : center; background-size: auto;).sp-form input ( display: inline-block; opacity: 1; visibility: visible;).sp-form .sp-form-fields-wrapper ( margin: 0 auto; width : 730px;).sp-form .sp-form-control ( background: #ebf2f5; border-color: #c7e2ed; border-style: solid; border-width: 1px; font-size: 15px; padding-left: 8.75 px; padding-right: 8.75px; border-radius: 2px; -moz-border-radius: 2px; -webkit-border-radius: 2px; height: 35px; width: 100%;).sp-form .sp- field label ( color: #444444; font-size: 13px; font-style: normal; font-weight: bold;).sp-form .sp-button ( border-radius: 2px; -moz-border-radius: 2px ;-webkit-border-radius: 2px; background-color: #5581b6; color: #ffffff; width: 290px font-weight: 700 font-style: normal font-family: "Open Sans", Arial, "Helvetica Neue", sans-serif; box-shadow: inset 0 -2px 0 0 #3e6390; -moz-box-shadow: inset 0 -2px 0 0 #3e6390; -webkit-box-shadow: inset 0 -2px 0 0 #3e6390;).sp-form .sp-button-container ( text-align: left; width: auto;)