What is Webmoney Webmoney and how to use it. Webmoney: instructions for use

And I'll tell you what it is payment system Webmoney (Webmoney). After reading this publication, you will learn how the WebMoney electronic payment system works, how Webmoney is registered, operations within the system, replenishment and withdrawal of funds, what a Webmoney wallet is, a Webmoney certificate, BL, WM Keeper and much more. Next, let's talk about everything in order.

Webmoney payment system.

The WebMoney payment system appeared in 1998 and today is the most popular system electronic money in RuNet. About 35% of Russian-speaking Internet users have a webmoney wallet, while just over half have any kind of electronic wallet.

The Webmoney payment system legally belongs to the company Webmoney Transfer, registered in London, but it was developed in Russia, where all technical support, and also the main WebMoney certification center is located. Information about individuals, who are the ultimate owners of the webmoney system, is classified.

The WebMoney payment system itself calls itself an electronic settlement system for maintenance and states that it does not operate with money, but with the so-called. “title units” - payment units equal in value to real currencies, as well as to gold. Thus, legally, Webmoney is not a payment system and does not have such a status in Russia; it does not act as an issuer of electronic money, which is quite legal, since title units are not considered electronic money by law - they are simply assets that can be bought, sold and exchanged.

WebMoney title units are issued in several currencies: Russian ruble, US dollar, euro, Ukrainian hryvnia, Belarusian ruble, Uzbek sum, as well as in gold, bitcoins and special dollars for credit transactions. All webmoney title units are designated by three letters, the first two of which are WM, and the third characterizes the type of currency of which they are the equivalent. For example, WMR - Russian rubles, WMU - hryvnia, WMZ - American dollar, etc.

For each type of title units, the system has its own so-called. “Guarantor” – legal entity, registered in the country of circulation of the title unit currency and issuing title units in this currency. WebMoney title units can be exchanged like regular currency at the established market rate through various services, the most profitable of which, as a rule, is our own WebMoney exchange - wm.exchanger.ru.

The Webmoney payment system is well protected in terms of reliability and security of payments. For this reason, a certain part of users find it inconvenient, since registration, authorization, and making payments in WebMoney is somewhat more complicated than in other similar systems, however, in my opinion, ensuring a high degree of security for payments is more of an advantage than a disadvantage.

WebMoney official website – webmoney.ru, in a number of countries webmoney sites operate in their domain zones.

Webmoney registration.

Registration in the WebMoney system is carried out through the official website or its subsidiary sites in other countries. Upon registration, each participant is assigned a unique 12-digit number - WMID, to which the participant can subsequently open any number of electronic wallets in different currencies.

WebMoney registration is free.

Webmoney wallet.

A WebMoney wallet is a virtual account in which title units in a certain currency are stored, and through which all transactions with them are carried out. The WebMoney wallet is opened only to participants already registered in the payment system who have their own WMID. Registration of a webmoney wallet is also carried out through the official websites of the system, or through a special application for working with webmoney - WM Keeper. Each currency requires a separate WebMoney wallet, at the same time, one user of the system can have any number of wallets, including those in the same currency.

The webmoney wallet number consists of the third letter of the title currency identifier and 12 digits, and it does not coincide with WMID. WebMoney services allow you to find out the WMID of a system participant by the wallet number, but not vice versa.

Webmoney certificate.

Each user of the system has his own digital identity, which is called a WebMoney certificate. There are a total of 12 types of such certificates, and each of them implies certain rights of its owner. The WebMoney certificate serves as a kind of indicator of the system’s trust in its participant, and the higher the level of the certificate, the more trust there is in him and, therefore, the more operations he can perform.

By default, each participant registered in the system is issued a certificate low level– pseudonym certificate. It is absolutely anonymous, that is, it does not require entering and verifying passport data, but at the same time it greatly limits the system user’s capabilities. For example, a participant with a pseudonym certificate will be able to replenish his Webmoney wallet, conduct payments with other users of the system within the minimum limits, but will not be able to convert Webmoney into cash.

WebMoney certificate of the next level - a formal certificate is issued to a participant in the system after entering passport data and verifying it by providing scanned copies of the passport. A formal certificate already makes it possible to withdraw WebMoney to a bank, increases transaction limits and provides access to a whole range of payment services of the system.

Such webmoney certificate necessary for those who engage in or plan to frequently transfer funds within the system.

These two certificates entry level are issued to users free of charge, but for all subsequent ones in most cases you will have to pay, in addition, their receipt will involve a mandatory personal meeting with the registrar or personalizer of the system. More serious WebMoney certificates will be needed by entrepreneurs doing business on the Internet or very active users.

You can find out more about what Webmoney certificates are, what opportunities they offer, how much they cost, and what is needed to get them on the official website of the Webmoney system on the page passport.webmoney.ru.

BL in Webmoney.

Among other things, each registered user of the WebMoney system is assigned a so-called. “business level” - Business Level - BL, which characterizes the level of activity in the payment system. BL WebMoney is calculated using a special algorithm that takes into account:

– period of use of the system;

– the number of system participants with whom payment transactions were made;

– number and volumes of payments in the system;

– presence of complaints or positive feedback about the participant.

BL webmoney can both rise and fall. The higher the BL, the more trust a participant in the WebMoney payment system evokes. Before making a payment to a new counterparty, it is always recommended to check its BL.

You can find out more about what BL Webmoney is on the official website of the system: wiki.webmoney.ru/projects/webmoney/wiki/Business level_(BL).

Operations in the Webmoney system.

Users of the WebMoney payment system have the opportunity to perform the following types of operations:

– Topping up WebMoney electronic wallets with cash in different ways(electronic terminals, exchange offices, instant transfers, bank cards etc.);

– Withdrawal of webmoney from electronic wallets into cash in different ways (withdrawal to a plastic card, bank account, exchange offices, instant transfers, etc.);

– Transfer of webmoney to other users of the system from wallet to wallet;

– Payment for goods and services in Internet services that accept WebMoney for payment;

– Exchange of one title units for others.

For each transaction with WebMoney title units, the system takes a commission of approximately 0.8% of the amount, which is charged according to the method of calculating indirect taxes (that is, it is added to the transaction amount and not subtracted from it). Thus, for example, in order to carry out a transaction in the amount of 100 title units, the WebMoney wallet must have at least 100.8 title units.

For each type of webmoney, maximum fees charged are set.

All operations in the WebMoney system can be carried out either through the official websites of the system, logging in via WMID, or using a special software– WM Keeper.

WM Keeper.

The WM Keeper program is designed to manage electronic wallets and simplifying operations in the WebMoney system. Standard version of the program – WM Keeper Classic is the most common and convenient for use on a computer with an operating system Windows system. There are also simplified versions - WM Keeper Mini and WM Keeper Light, which are compatible with any operating system, as well as versions of WM Keeper for different types mobile devices.

The WM Keeper program has several reliable levels of protection, in particular, separate files keys that can be placed in different places, gaining access to authorization and making payments via SMS messages, as well as through the modern E-Num service, which allows you to identify the owner by scanning QR codes or a fingerprint.

You can download WM Keeper for free from the official website of the WebMoney payment system wiki.webmoney.ru/projects/webmoney/wiki/WM_Keeper_WinPro.

Webmoney arbitrage.

The WebMoney payment system provides its participants with the opportunity to challenge completed transactions if one of the parties has violated its obligations. For this there is special service– Webmoney arbitration.

You can submit a claim to webmoney arbitration against any participant in the system (including even the operator), which will be considered within a specified period, after which a decision will be made and certain actions will be taken. Filing claims to WebMoney arbitration is free of charge, but if it is a blocking claim, it requires payment of a security deposit.

Address for filing claims to WebMoney arbitration – arbitrage.webmoney.ru.

Now you have a general idea of what the WebMoney payment system is and what main opportunities it opens up for its participants. In fact, there are many more possibilities, functions and services of webmoney; in the future I will gradually consider individual of them on.

In general, I want to say that registration in the WebMoney system and obtaining a formal certificate is simply necessary for all those who in any way intend to earn money on the Internet, since this is the most widespread electronic payment system, and the main turnover of electronic money on the World Wide Web passes through it.

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Types of certificates and the procedure for their registration

The Webmoney system has a unique system of certificates, which has specific features. Each type of certificate is characterized by available functionality and restrictions. Let's look at them in more detail.

Alias certificate

It is usually used to buy something online and pay for small purchases. This type The certificate is suitable for beginners who do not yet know how to use all the capabilities of WebMoney. It is worth considering that the level of trust on the part of users in the owners of pseudonym certificates is low. The certificate is issued automatically after registration.

Formal certificate

It is suitable for all active participants in the payment system who constantly use an electronic wallet to carry out transactions. Holders of such certificates have access to additional options: regular payment for services, withdrawal of funds. The certificate is issued free of charge after a participant in the system enters passport data on the WebMoney website.

Initial certificate

This type of certificate is chosen by company employees. Thanks to it, the level of trust on the part of users increases. There are two ways to get an initial certificate: free (if you use money transfers through the website perevod.webmoney.ru) and for a fee (when the personalizer checks the passport data).

Personal certificate

It is used by businessmen and advanced users who want not only to make transfers, but also to earn money online. A personal certificate is a guarantor of the wallet owner’s reputation. You can get it for a fee after the registrar checks your passport data.

For each type of certificate there are corresponding limits. Detailed information information about obtaining certificates is described in this review.

Deposit and withdrawal of funds

After the user has registered an account in the system, logical question: “How to top up my account?” In fact, everything is quite simple, since the WebMoney system offers a fairly wide selection of ways to replenish your balance. You can use a bank card or. The most best ways replenishments have been collected.

Electronic wallet Webmoney allows system participants not only to replenish their accounts, but also to withdraw funds.

Advantages of the payment system

The Webmoney payment system has been operating since 1998. Today it is used by the vast majority of Runet users. This indicates impeccable reputation service. WebMoney is updated periodically: new features appear, the design of the service changes.

This fact is direct confirmation that the system is developing and not standing still. Now let's take a closer look at its benefits.

funds are transferred as quickly as possible, which saves time;
There are many ways for users to deposit/withdraw funds;
the commission for withdrawal of funds is small and depends on the chosen method;
The WebMoney system is popular, so almost all major services cooperate with it;
the payment system is considered one of the most reliable, since there are many ways to protect your wallet;
technical support answers all user questions, and in a short time;
there is arbitration that helps resolve various disputes;
WebMoney cooperates with many banks, so operations for depositing and withdrawing funds are carried out quickly;
users can manage their account using their phone (thanks to special application, developed for almost all mobile OS).

These are not all the positive aspects of the payment system; in fact, there are much more of them.

A small dictionary of terms

Advanced participants in the system use quite specific terms in communication. In order for beginners to understand the meaning of these definitions, we have compiled a small dictionary. It can be found below.

account – account user in the system;
arbitration is a special service that resolves disputes between users;
certificate – a special certificate that is issued to users in digital form;
BL – business level of the user in the system;
WMID – a unique number that allows you to identify each user of the system;
keeper – a program that allows you to work with the payment system;
WMU – title unit, which is the equivalent of the hryvnia;
WMR – title sign, which is the equivalent of the Russian ruble;
WMZ – title sign, which is the equivalent of the US dollar;
WME is a title unit that is equivalent to the euro.

User Reference Materials

There is a special section on the official website of the payment system where you can view all information regarding the functions.

In order to find the answer to your question, you must select the appropriate section.

Let's say we need information on how to check BL. To do this, select the “Help” section and find the desired item. After which you can view all the information on a special page.

If you could not find the answer to your question in the “Help” section, you can contact technical support.

If you have definitely decided that you will actively use this payment system, then you should worry about protecting your account. The developers paid special attention to security, so the user can choose any available security measures:

Installation complex password. There is no need to set a password that consists only of numbers; use numbers and letters of different case. The combination must be long and complex.
Confirming the transaction using mobile phone. This function allows you to secure your account, since when performing any operation you will need to enter a code that will be sent to your phone.
Using the E-num authorization system. After connecting E-num, you can log into your account in several ways.
IP blocking. Another effective way account protection, the essence of which is that you can log in only from the previously specified IP address.

Summing up:

After all of the above, we can draw one conclusion: the WebMoney payment system has wide functionality that is available to all users. Anyone can register, because the registration procedure is quite simple. Thanks to reference materials and technical support, you can get all the necessary information.

An account in the system allows you to pay for purchases or transfer funds. You can pay for the Internet, buy a game or a book. If you want to get these opportunities, then join the system!

The WebMoney electronic payment system is not even legally registered as a payment system, but nevertheless, a third of RuNet users have WM wallets and use them regularly. The secret of the system’s popularity is a simple registration mechanism (we’ll look at it in detail in the article) and management of your own funds, as well as ample opportunities for doing business on the Internet.

Even if you went out to buy bread and suddenly decided to travel to distant countries light, there is nothing to worry about, because everything you need can be quickly purchased using a card. A comfortable stay is guaranteed. Having webmoney makes everything even easier. There is no need to even have a card with you, just get access to the Internet, which today can be done literally at every step.

What is webmoney?

A relatively new variety, compared to bank cards, is the WebMoney electronic money system. It is becoming increasingly popular, and there is hardly a person who has not at least heard about electronic money.

To be fair, it should be noted that officially webmoney are “title units”, the value and cost of which are determined by the type category. According to the designation, different currencies can serve as equivalents, but more on that a little later.

Why do you need webmoney and where to use it?

The answer is quite simple: you can pay for any services on the Internet or services linked to it.

For example, online stores are especially popular today, and you can buy everything there, including underwear and large clothes. household appliances. Considering the busyness of residents of megacities, constant traffic jams and crowds, it is not surprising that it is more profitable to choose and purchase the right thing at home, in a calm environment, after taking a closer look. In addition, the purchase will be delivered by specified address, that is, to obtain it, you practically do not need to make unnecessary movements and movements around the city.

Queues during the period of necessary payment of utility bills at post offices and bank branches, and even near ATMs, terminals, yes, this also happens quite often, they not only take up half a day, but personally irritate me. In order not to be nervous, just go to the WebMoney website in your profile and make any payment.

Travelers who are faced with the constant need to convert currencies do not need to rush to an exchange office upon arrival in a new country or lose significant amounts on conversion through a bank (the difference in the exchange rate is usually significant). You can perform this operation online by moving money from one WebMoney wallet to another at an excellent rate (checked personally!).

It is impossible for Internet workers, as well as fans of online games, to do without creating a wallet. You can pay for services, accounts, or receive payment for work performed in electronic money.

Webmoney is one of the most popular methods of replenishing an account at brokerage companies. Money is credited to the account in a matter of minutes, the commission is standard, withheld by the payment system at the time of transfer - 0.8%. I described in detail how to invest funds using the payment system in the articles:

Difficulties in mastering the service and registration

Faced with the need to register in the WebMoney system, I had to spend a couple of days reviewing a bunch of materials on the topic on the Internet and directly on the WebMoney website, carefully read the conditions, sequence of actions and terrorize the support service (fortunately, they respond quickly, in an accessible form and immediately solve questions that have arisen).

Basic concepts of the system

WMID is a personal unique number for each participant in the system; it consists of 12 digits and is assigned during registration in the system.
Passport is a set of data about the user, consisting of the specified personal information and passport data. Anticipating your worries that someone can use the data, I note that they are visible only to you with the appropriate settings, just like the wallet numbers. Plus, every time you go to view or edit documents, the login, password and SMS code are verified. The level of protection and security of data access is very high. It is even possible to use latest technology E-NUM, with fingerprint identification.
Wallets are cells with unique numbers.
WM Keeper is a wallet management terminal.

There are 4 types of WM Keeper:

Classic
Light
Mobile.

The first two options are designed for advanced users and have many functions. In addition, WM Keeper Classic requires installation of the program exclusively on Windows.

It is advisable to install the mobile version if there is a constant need for mutual settlements on the Internet.

Most suitable option keeper for a beginner – Mini. Its functionality is quite sufficient for solving many simple tasks. The interface is also easy to use. When you log in, a series of icons appear on the monitor screen, arranged by service category.

Everything is extremely simple, you point at the desired icon and you get to work.

Registration procedure

We go to the website webmoney.ru. If you wish, read all the information about the service or immediately proceed to registration.

Click the highlighted “Registration” button and get the following login options.

Registration via social networks

Basic data (full name) is processed by the system in automatic mode, so I’ll note that if your account is fake or has false data, or you have a nickname instead of a name, we’ll use the second option to log in, but more on that later.

We send an invitation to friends to register on the WebMoney website.

We received a notification confirming your registration.

On at the moment You have been issued a Pseudonym certificate. To personalize and receive a Formal Certificate, you must complete several simple actions further registration. After this, all the functions of the mini keeper will become available to you.

The arrow shows where you need to click for further actions.

Enter the phone number in the specified format and click “ok”. We wait for a few minutes (usually no more than 1-2) for an SMS with a code, which we enter into a new window. After this, fill out the following passport data form.

Important! Pay attention to the top postscript. Changing the basic data in the future will be very problematic, and if there is a discrepancy, you will not be able to carry out a single financial transaction. So, enter the data into the next form, truthfully and without errors (as in your passport)!

Notifications about changes in data come immediately in a new window.

From this moment on, you are the owner of a formal certificate, and therefore have access to all keeper functions.

Registration via phone

Enter the phone number in the specified format.

Enter your passport details in the following form and click “continue”. We enter the data carefully, without errors!
On mailbox, which was indicated in the form above, receives a letter from service department system with the code, enter it in the appropriate window.

The last stage of verification is checking the phone number. The verification principle is similar to e-mail. The code arrives, which we rewrite into the desired window.

The final step is entering a password. Think it over carefully to prevent easy hacking by scammers. A warning may be unnecessary, but I’ll still say: you shouldn’t tell anyone your password, otherwise all your hard-earned money can quickly leave you in an unknown direction.

Congratulations! From now on you are happy, I hope so, owner personal profile in the webmoney system. We continue preparatory work.

Creating a wallet

Before starting work, you need to create wallets so that you have somewhere to store and where to take your savings from. Let me give you an example of creating a ruble wallet (WMR).

WebMoney is an Internet payment system. With the help of funds on WebMoney, you can do almost everything that we do with money in life: pay for goods, top up a mobile phone, transfer money to bank cards, pay for any services on the Internet, exchange currency and much more.

If your time has come and you decide to start use WebMoney, then this article will answer most of your questions. To become a full participant in the payment system WebMoney systems and take full advantage of the opportunities, we will need to do 4 simple steps:

The official website of this payment system is located at http://webmoney.ru and before we start using this payment system we need to create our account. When you go to the site, pay attention to the green “Registration” button. That's what we need.

In a few steps you will need to: enter your mobile number, personal data, confirm your email and phone number, and then come up with a complex password.

Here I described it in a nutshell, but if you need details, then read my lesson: . Everything is described there in great detail.

Installing the program

This step is optional. You can use WebMoney using a browser and the official payment website.

This is what our account looks like after registration:

Here you can transfer money, receive and pay for services. This version is called Mini. Suitable for ordinary users.

But if you want to perform operations directly from your computer, then you will need to enable the Classic version, then obtain a formal certificate and. You can read the relevant lessons using the links in that sentence and everything will become clear :)

We create wallets and replenish them

I don’t see any point in using WebMoney either by creating wallets or adding funds to them. Let's figure this out.

In our account we need to open the “Wallets” menu.

And here click the “Add” button.

B. >

Select the currency of the future wallet, check the box and click “Create”.

In your account, find the “Payment for services” section and click the first link “ Select service type».

Now we indicate our operator. In my case it is MTS.

Enter your mobile phone number and top-up amount and click “OK”.

A confirmation code will be sent to the phone number to which your WebMoney account is linked. It must be entered in a new window.

The account has been successfully replenished.

This way we can pay for other services and goods through WebMoney. But nothing is limited to just the site. You can pay with this payment system in other places; very often online stores accept WebMoney for payment.

If you provide some services yourself, then perhaps you will need the opportunity to receive money into your wallets, and perhaps transfer it to your relatives or someone else.

Now you know the main points of how to use WebMoney correctly and, if you wish, you can begin to apply your new knowledge today.

A Webmoney wallet is an account linked to a specific user who can control its functions using a password or mobile phone number for transferring money. The Webmoney payment allows you to make transactions and various financial transactions without leaving your home.

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Purpose of the wallet

Why do you need WM:

top up your mobile phone balance, pay internet and utility bills;
make purchases in foreign online stores;
pay taxes and fines, etc.

How to make payments?

How does Webmoney work? Money transfers are carried out to many countries around the world within a few minutes.

For example, if you need to transfer an amount for services, you need to follow the proposed algorithm of actions:

Get a wallet.
Credit funds to your account.
Make a transfer.

The funds received can be converted into real money and withdrawn in the desired currency (the author of the video is the TeachVideo channel).

Where to register a wallet?

To become a full-fledged participant in the system, you need to register and open a personal wallet in your name and learn how to use it.

This is done on official page payment system in the Mini client - keeper:

Register in the system.
Go to the “Wallets” tab.
A page will open in front of you from which you need to select a WMR wallet - the equivalent of Russian rubles.
Review the agreement and check the box.
Click on the “Create” button.

The work of registering your wallet is completed, after which you will be able to access any sites that accept Webmoney for payment, transfer funds and transfer them to other participants in this system.

Certificate concept

This important parameter, which indicates the level of verification of passport data of participants combined within one system. Webmoney employees, at the request of users, check the data specified in the passport and inform other participants about their validity, assigning a certain certificate to the account.

The system distinguishes 4 types of identification:

pseudonym certificate (issued to a user who is not ready to send a copy of their passport for verification);
formal passport (passport scans are sent remotely for verification);
personal certificate(the user personally comes to the company’s office to confirm his identity, or sends a notarized copy by mail.);
seller's certificate.

Each of these identifiers has its own limitations and participants are faced with the question of how to use them to full-fledged work? With an alias certificate, the system will not allow you to work with wallets equivalent to Russian rubles, and a personal passport increases the limit of daily transactions, etc. It is recommended to start working in the system by obtaining a formal certificate, as it has optimal capabilities for transferring and receiving money.

Is it possible to store savings in WM?

Using Webmoney as a money storage facility is an open question. In some countries, the issue of money is controlled by National Banks and special government bodies. Therefore, storing funds in this system is large quantities not advisable.