What is an online wallet, the principle of receiving money. Electronic wallets - what they are and a list of the best. Convert to cash

Hello, dear readers!

In this article we will look at the most popular electronic wallets and evaluate their advantages and disadvantages. And, ultimately, we’ll try to determine which wallet is better to choose.

Digital technologies. Thanks to them, our life becomes more and more convenient and comfortable. Previously unthinkable things are becoming more and more real every day. This especially applies to communication and communications.

Do you know how people used to communicate? They wrote a letter and sent a messenger to the addressee. This process occurred especially “quickly” during international correspondence.

Financial technologies have achieved the same instantaneous transfer speed today. Now we can make a money transfer in just a couple of clicks. And, the funds will reach the recipient. Instantly!

Why do you need an e-wallet?

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

It’s even more convenient to 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 there is no 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. Incur administrative expenses. Pay premiums. And for electronic payment systems these costs are negligible.
• most electronic payment systems do not depend on political factors. Even counterparties of warring countries can freely pay each other, regardless of the mutual restrictions of their countries. There is Internet, which means there is full access to 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 bank currency. 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 with it in stores. Just like a regular bank card. The card will use the funds that are on the electronic wallet.

Fine. But there are several electronic payment systems. They all have their own characteristics and their own tariffs. So which wallet is more profitable?

Comparison of e-wallets

There really are a lot of wallets. However, not all of them are common.

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

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

This is a Russian payment system. It is well distributed in RuNet, convenient and profitable to use. Ideal for those who make money online.

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

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

And, by the way, you don’t even have to take the card with you on your 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 with your phone. As if you were paying by card. Leaning it against the terminal in stores. About half of phones support this feature. Even in the budget segment.

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

Quite a young, but very convenient system. Allows you to work with dollars, euros and rubles. The main advantage 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. It is used everywhere, and even increases in price. Plus, the system is very transparent and secure. True, sometimes, due to its peculiarities, settlements with bitcoins are delayed. Each operation requires several independent confirmations. Confirmations may not come immediately. And this is the main disadvantage of bitcoins.

A convenient wallet that allows you to work in dollars, rubles and euros. The system is popular and widespread. Tariffs 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. It is also ideal for eBay sellers. But for other situations PayPal is absolutely not suitable. Outside of online auctions, it is absolutely not widespread or popular. In addition, it is very expensive in terms of exchange/withdrawal of funds. So, I suggest not considering it further.

One of the most popular payment systems in the world. Funds can be stored in dollars, euros and bitcoins. "PM" combines high payment speed, good security and low tariffs. This system is considered to be the most confidential. No government organs do not control it. Can't track payments.

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

A once popular payment system in Russia. Now, in my opinion, it 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 creating a wallet and maintaining it is free for all systems.

Features and tariffs of electronic wallets

Drawing conclusions about wallets

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

All systems allow issuing a payment card. In my opinion, Yandex.Money and QIWI have the best conditions. Their obvious advantage is the low price and ruble denomination of the card. In addition, both systems offer us modern premium cards. With the possibility of contactless payments and the 3D Secure security system.

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

If we still talk about a dollar card, then the Payeer card is the cheapest and most convenient. Both virtual and regular.

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 there is no need to convert funds.

Also, you can withdraw money from any electronic wallet using. To do this, simply change money from your e-wallet to money on your bank card and withdraw it from an ATM. Please note that changing WebMoney is time-consuming and quite labor-intensive. The rest of the systems exchange. Moreover, in many cases the exchange occurs instantly.

About the disadvantages of wallets

The systems that have the greatest security are Perfect Money, Advanced Cash, Bitcoin (where you can generally track and check every transaction) and WebMoney. But WebMoney's security implementation is extremely inconvenient. In general, the security of other systems is also high.

Since I started talking bad about WebMoney, here’s another stone in their garden. Almost all of the systems under consideration, except WebMoney, are completely confidential. That is, the same tax service does not see them and will not check them. And in WebMoney it’s easy. At the same time, I recommend everyone to be conscious and pay taxes honestly.

If you use Yandex.Money, you will also be under surveillance. Oddly enough, this system, for the most part, belongs not to Yandex, but to Sberbank. That is, the largest state bank in Russia. Naturally, the tax office simply shoots down all transactions in Yandex.Money. If you want privacy, use another wallet. If you have nothing to hide, feel free to choose Ya.Money. This is a cool and convenient system.

Which e-wallet is better?

Ultimately, each e-wallet 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 create a Yandex.Money wallet and Adv Cash (or Payeer). When paired, they can achieve most goals. At the same time, both are economical and easy to maintain.

Which electronic wallets are closer to you?

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

I wish you all profitable investments!

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Electronic money and payment systems have begun to gain rapid popularity in recent years, but many Russians still continue to use cash as their main payment instrument. Meanwhile, among those who are not ready for progress, there is still a large proportion of those who simply have not yet fully understood how much easier life is using virtual money. This article is about what an electronic wallet is and what well-proven electronic payment systems are currently operating in Russia.

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Time does not stand still. With the advent of the Internet, people have the opportunity, using the World Wide Web, not only to obtain the necessary information, communicate and perform many other useful operations, but also to pay for purchases and services. Now, in order to transfer money to someone, it is not at all necessary to go to a financial institution and humbly wait for your turn at the approach to a bank employee; now you can transfer your hard-earned money to someone using your electronic wallet, just sitting at home.

What is an electronic wallet

An electronic wallet is a computer program that allows the user to store electronic money and use it to make non-cash payments on the Internet. An electronic wallet is essentially an analogue of a bank account.

Today, an electronic wallet is an ideal payment tool for those who spend money on the Internet, making online purchases, and for those who earn money from it as a freelancer (copywriter, translator, designer, programmer). With the help of such a wallet, you can make various kinds of calculations using virtual money, which can later be easily and simply converted into real tangible funds and withdrawn either to a bank account or to a plastic card.

Before installing an e-wallet, you must first select a payment system. They differ from each other for a number of reasons, including, for example, the ability of an electronic wallet to contain one type of electronic currency or several, the ability to automatically accept payment for goods, and others.

Moreover, each payment system offers its own set of options for replenishing a wallet and withdrawing money from it. For example, depending on the capabilities of the payment system, you can top up your wallet either

• by purchasing a special prepaid card;
• by transferring funds to your wallet from your mobile phone account;
• using mobile internet banking;
• through an ATM;
• by making a postal or bank money transfer;
• using the payment terminal.

You also need to remember that there is a commission for transferring money using an electronic wallet, and it is better to clarify the tariff for this before choosing a payment system.

Meanwhile, unlike a bank card, you can use an electronic wallet for free.

To summarize, depending on how it is more convenient for you to replenish your electronic “assistant”, how to withdraw funds from it and a number of other factors, you should understand which electronic payment system will be more convenient for you.

Popular payment systems

There are many payment systems that allow you to create an electronic wallet. In Russia and most CIS countries, the following payment services have become widespread: Yandex.Money, WebMoney and QIWI.

Yandex. Money

Yandex. Money is an electronic payment system from the Russian search engine of the same name, which was created specifically for Russians and was launched in 2002. It is a very convenient and easy to use service. Using Y.wallet you can accept, send and exchange electronic money.

When working with an electronic wallet from Yandex, you can use the site’s web interface and mobile application. You can top up your wallet using all the known methods listed above (at payment terminals, bank branches, mobile phone offices, etc.), and you can withdraw money

• by transferring them to a free plastic card "Yandex.Money" (you can withdraw funds to it for payments in regular stores or withdrawals through ATMs within a few minutes, but almost all operations are carried out with a commission, the amount of which depends on the amount of the transaction;
• by transferring them to another bank card or account;
• by sending them somewhere through a money transfer system.

The only disadvantage of a wallet from a Russian search engine is that it can only be opened in Russian currency.

WebMoney

Perhaps the most popular system among those who prefer to make money on the Internet. It has existed since 1998 and is international.

Unlike other payment services, WebMoney works with virtual rather than real monetary units that correspond to real currencies (for example, WMZ - US dollar, WMR - Russian ruble).

This payment system allows

• transfer money to any bank account, withdraw it to payment cards or receive cash;
• unlike Yandex.Money, work with several currencies at once, for which a separate electronic wallet is provided with the possibility of exchange between them.

Also, using WebMoney has a number of advantages, including

• simple identification procedure: to go through it you just need to send a scanned copy or just a photo of your passport without visiting the office;
• the opportunity to receive a whole range of additional features, including debt and credit services;
• the opportunity to obtain several types of certificates, which allow you to gradually increase your capabilities in the payment system.

In the international payment system QIWI, which appeared in 2007, you can create an electronic wallet, QIWI Wallet. The main feature of this wallet is that you can work with it not only using the Internet, mobile phone, but also payment terminals, a huge number of which are installed in Russia.

As soon as you decide to register your e-wallet from QIWI, you will need to link your mobile phone number to it. It is this “feature” of the payment service that allows you to significantly simplify the financial management process. In addition, QIWI has a number of other advantages, including

• free creation of a wallet in four currencies at once (ruble, euro, dollar, Kazakhstani tenge);
• the ability to pay for a variety of services;
• the ability to order the issue of a card that will be linked to your wallet (compare with the same opportunity from the Yandex.Money service;
• minimum commission for any monetary transactions (about 2%).

In addition, you can top up your QIWI electronic wallet using any common methods: a bank card, a money transfer, and, of course, through a terminal and others.

Thus, you see that the answer to the question: which payment system to choose, as you see, depends entirely on your preferences and how you plan to use your electronic wallet. So, for example, if you permanently live in Russia, then you can create a wallet in any of these services - you will not have any problems with replenishing it, making payments, or withdrawing funds. If you make money on the Internet, are a freelancer and often make online purchases, then perhaps it will be more convenient for you to use WebMoney.

Choose the most favorable conditions for yourself and share in the comments which wallet turned out to be the most convenient for you.

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

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

For five years now I have been working exclusively remotely and receiving my salary via the Internet. For these purposes I use bank cards and electronic wallets. Now I have accounts in all the popular payment systems on the Runet: I use each of them periodically.

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 method of withdrawing money.

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

1. Who may need an electronic wallet

I started my first electronic wallet (EC) about 10 years ago for payments 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 company.

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

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

The services that we call “electronic wallets” are a kind of intermediaries between individuals, companies, and organizations making financial transactions among themselves. Like any intermediaries, they charge commissions for their services. In some systems they are more, in others less, but in general the fees are quite noticeable.

Registration in most domestic services is free and does not take more than 5 minutes. You have the right to create an anonymous storage facility 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. Thus, in an anonymous Yandex wallet, the 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 won’t lose your electronic wallet or 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 websites, blogs, public pages and groups on social networks who make money from 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 periodically arises for every citizen.

Internet banking is, of course, great, but it is not always fast and convenient. And not everyone has bank accounts. Opening a bank account is somewhat more difficult than opening an EPS account. As a rule, systems do not charge 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 purchasing wholesale quantities of goods at Western auctions, experienced people prefer to pay using the PayPal system. The account in this system is linked 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 on 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 search your pockets for change.

Payment systems and cryptocurrency

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

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

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 with the services every year. Even my retired dad has an EC, which he uses successfully.

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. Electronic money storage must first of all be reliable and convenient. Another important criterion is prevalence.

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

For an active Internet user, the best option is to register with several EPS.

In 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 information about the capabilities and benefits of Qiwi.
2. Click on “Create wallet”.
3. Enter your phone number.
4. Enter the code that will be sent in the SMS message into the appropriate field.
5. Create a complex password for authorization.
6. Sign in.

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

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

More details about this EPS in the video:

On Yandex.Money

The Yandex.Money EPS has been operating in the Russian Federation since 2002 and carries out transactions only in ruble currency.

The procedure for creating an CI is as follows:

• if you already have a mailbox in Yandex, the process is simplified - log in, go to the “Money” section and select “Open wallet”;
• identification occurs by mobile number to which you will be sent an SMS;
• After filling out all the required fields, all you have to do is log in to your account and use all its options.

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

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

I will present their differences in the table:

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

In 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, hryvnia, dollars, Belarusian rubles, bitcoins, litecoins. Converting one unit to another within the service works, but the rate is not always favorable.

Registration in WebMoney is more complicated than in other electronic payment systems and takes longer. This is explained by the developers' concern for customer safety.

Algorithm for creating an EC:

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

Owners of WM wallets have access to several levels of certification - pseudonym certificate, formal, initial, personal. The higher the level, the more opportunities the user has.

For the convenience of users, special client programs called Keeper have been created. They are downloaded to your computer or phone and used for payments and transactions. Activating them, storing keys and transferring them to another computer is a topic for a separate discussion.

3. How to top up an electronic wallet - proven methods

It is always easier to replenish your wallet than to withdraw money from it. It is beneficial for companies that users deposit as much money as possible into their accounts, and therefore the commission for replenishment is either minimal or completely absent.

Let's look at the most popular replenishment options.

Method 1. From a bank card

The easiest and fastest way. Especially if the card is already linked to your EPS account. If not, then you need to enter your bank card number and top-up amount.

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

Method 2. Through payment terminals

Another reliable option, although not as fast as online transfer from a card. To top up 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, but 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 using the 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 the transfer.

Method 5. Using a bank transfer

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

Please note that the transaction takes up to 5 days.

4. How to cash out

Converting virtual money into real money involves paying a commission. Cash withdrawal rates in different EPSs range from 2.5 to 5%. There are restrictions on amounts for different types of EC. And some anonymous accounts do not allow such an operation at all.

Let's look at the most popular methods.

Withdraw to bank card

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

If I urgently need cash, I transfer it to an Alfa-Bank card from Yandex cash desk. 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

It takes longer, but some employers prefer a bank transfer: it’s easier for financial reporting. Withdrawal speed – from 1 to 7 days.

Enter your details carefully: if you make a mistake in one number, the money will be returned, or even stuck in the system indefinitely.

Use the service of exchangers

The most difficult and least reliable method. Online exchangers charge workers 5-7% for each transfer. Use them only if other options are not 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 like 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 arrived in the account in 15-20 minutes, in others you had to wait a day or more.

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

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

An electronic money system is a system in which certain virtual units are circulated, which can be used for all kinds of payments on the Internet. Initially, Internet providers and mobile operators became interested in the electronic money market. Nowadays, almost every online store accepts electronic payments. Even utilities, fines, and various fees can be paid via the Internet, since online payment services have been developed. Thus, customers are spared the need to waste time in queues waiting.

Why are web wallets created?

An electronic wallet is convenient for people who make money on the Internet: these are freelancers, people working remotely, and citizens with disabilities. This is especially convenient in cases where the customer of the work is located at a considerable distance from the contractor. An alternative to electronic money is bank cards, but issuing them is a longer and more complex process. It is not uncommon for commercial companies to start e-wallets.

Absolutely anyone can open an electronic wallet. This does not require significant time expenditure, collecting a package of documents, or concluding an agreement. It is enough to register on one of the sites offering services for storing electronic funds. Some of the most popular and in demand are Webmoney, Qiwi, PayPal, Yandex.Money.

The registration process is extremely simple and understandable even for a beginner on the Internet. It is worth paying attention to such a moment as indicating reliable contact information. This will allow you to link a bank card to your account in the future and withdraw funds through service offices. Another important nuance when registering is the most complex password to protect your funds from intruders. It would also be wise to link your account to your cell phone number. This will allow you to recover your password if you lose it.

Using a web wallet

Well, we’ve decided how to create an electronic wallet, what next? Funds can be received from other wallets or a bank card. Or the account can be topped up through a payment terminal. Please note that a commission is charged for any operation. As a rule, it ranges from 1% to 5% of the transfer amount.

You can pay with electronic money for both goods and services. This is especially convenient if the seller is located in another city or even region. As a rule, payment is received within a few minutes. All transactions remain in the system’s memory, so if necessary, it will always be easy to prove the fact of payment. When you accumulate a certain amount on your web wallet, you may need to cash out the funds. This can be done either through service offices or using a bank card, from where they can then be withdrawn through an ATM.

Safety

No payment system can guarantee complete protection of funds. And although fraudulent actions are the exception rather than the rule, such cases do occur. Today, there are a number of tools that allow you to maximize the security of money transactions carried out on the Internet. Most payment systems use SMS confirmation. Due to this, it is impossible to use an electronic wallet without having access to a mobile phone that was linked to the wallet. You can register in the Webmoney system using your fingerprints.

In addition to the existing system algorithms, you yourself need to take a number of measures to protect your electronic wallet. You can protect your web wallet yourself by using the official version of the antivirus and regularly checking your computer for viruses. It is better not to save your wallet login and password in your browser history. It is advisable to choose the most complex password possible before creating an electronic wallet. You should not store your username and password for logging into the system in one file.

Webmoney wallet

Many novice freelancers are puzzled by how to create a Webmoney electronic wallet. Registration of an electronic wallet is completely free, as is its content. There is no annual subscription fee. Therefore, you can have such a wallet even just in case if you have no plans to use it. To register for Webmoney, you need an electronic mailbox. Therefore, if there is none, you will have to create one. To manage your e-wallet, you will be offered a choice of 4 programs: Mini, Classic, Light, Mobile. It is better to choose Classic, as this option is the most convenient and full-featured compared to the others. Even if you choose Mini, you will still have to switch to Classic later. The next stage of registration will be filling out the form. All items in the form that are highlighted in bold are required to be completed.

Registration procedure

You must provide reliable data in order to prove, if necessary, that the wallet belongs to you. After entering all the necessary data, the Webmoney system checks the specified email address and phone number. Then you need to download and install the selected program on your computer. Then you need to enter the code received by email. As a result, the user is assigned a personal WMID. This is a unique number in the Webmoney system, consisting of 12 digits. Performs the login function when logging into the system. Registration in the system is completed, you can start creating a wallet.

The first step is to launch Keeper Classic. To enter the program you need to enter your password and WMID. Then in the “Wallets” tab you need to select the “Create” option. You will have to choose the type of wallet and come up with a name for it. To conduct transactions on the Internet, you will mainly need ruble and dollar wallets. Having figured out how to create a WebMoney electronic wallet, you need to take care of saving the necessary information. Data that must be saved or remembered: login and e-mail, as well as password to enter the site, WMID, password to enter the program, electronic wallet numbers.

Qiwi wallet

Another equally popular site for registering an electronic wallet is Qiwi. How to create a Qiwi e-wallet? When you log into the site, you will be prompted to enter your phone number and password to log in on the home page. To the left of this field is a link to register a new user. You need to enter your phone number and the symbols shown in the picture. Having accepted the terms of the offer, you click the “Registration” button. After entering the temporary password, you can replace it with a more convenient and complex one. In your personal account, you can pay for services and become more familiar with the functions of the payment system.

Payment transactions

Having learned how to create a Qiwi e-wallet, users are interested in how to make payments. You can make the necessary payments only if there are funds in your account.

You can top up your Qiwi wallet through payment terminals or transfer money from a bank card. When depositing amounts up to 500 rubles through the terminal. no commission is charged. You can also use an e-wallet on your mobile phone and transfer funds to any recipient. There are also plenty of ways to withdraw money from an electronic wallet, but in this case a commission already applies.

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

Let's give an example. Today almost everyone has a bank card. Money is stored on it. You can pay with the card in stores, on the Internet, and you can withdraw cash from an ATM at any time.

An electronic wallet is an analogue of a bank card. You won’t be able to pay this way in a supermarket, but on the Internet, most stores accept this payment method.

Why do you need an e-wallet?

1. To protect your bank card. In order not to enter your card details on various Internet resources, you can top up your wallet and carry out all operations using it. This way you protect your card from Internet fraudsters.
2. For the convenience of paying online. To pay for a purchase or order with a bank card, you need to fill out all fields of the payment form. If the user does not remember the number, CVV code and expiration date by heart, and the card is not at hand, it will not be possible to make a payment. To use an electronic wallet, just enter its number.
3. For convenient work on the global network. Remuneration is the optimal solution for. It is much more convenient for customers to deposit funds into a wallet than to make a bank transfer. And again, it’s safer.
4. For prompt execution of operations. Bank transfers can take from a few hours to several business days. Transactions with electronic money are carried out in a matter of minutes.

How to create an electronic wallet

You need to register in one of the payment systems and create your wallet in it. To do this, you need to provide personal and passport information. For convenience, you can link your wallet to a phone number: each time you perform an operation, you will receive an SMS message with a confirmation code.

Users are often interested in the question of how to use an electronic wallet. First you need to top up your wallet account. Further, the functionality is very simple, each payment system provides round-the-clock technical support and advises on this or that option.

How to top up an e-wallet

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

• Purchasing a prepaid card.
• Transfer from a mobile phone.
• Replenishment through special payment terminals or an ATM.
• Via bank transfer.
• Via mobile.

A fee is charged for various transactions. Tariffs are determined by payment systems. The service is free.
To choose the most suitable “assistant”, evaluate the pros and cons of various payment systems.

The best e-wallets for withdrawing money

Qiwi

The QIWI system appeared in 2007, it offers users an easy-to-use QIWI Wallet. You can work through a computer, smartphone or other gadget, as well as through payment terminals (you've probably heard of Qiwi terminals).

Linking to a phone number is a prerequisite when registering QIWI Wallet. This makes managing funds easier.

Advantages:

• You can order the issuance of a card linked to a wallet account to make payments like a regular bank card.
• You can work in four currencies: ruble, euro, dollar and tenge.
• The commission does not exceed 2% for any transactions.
• You can pay for a wide range of services and goods.
• Convenient to refill.

YandexMoney

This is a system from the famous search engine Yandex, which started in 2002. You can work through a mobile application/official website from a computer or gadget. You can top up your account using all of the above methods. The following methods are available for withdrawal:

• Transfer to the "" card is free. It is then used to withdraw cash from ATMs or pay for purchases.
• Transfer to a bank account or card.
• Transfer using special money transfer systems.

The system only serves ruble transactions.

WebMoney

Operating since 1998. All operations here are carried out in virtual currency: WMR – ROS. ruble, WMZ - US dollar. Main advantages:

• You can work with several world currencies at once.
• Simplified identification system.
• A wide selection of additional services, for example, credit or debt services.
• The functioning of several certificates, each of which provides its own set of capabilities and functions.

The choice of wallet service depends on your goals and objectives. If you live permanently in Russia and do not work with other currencies, choose YandexMoney; if you work as a freelancer, this is the best option, and for online purchases, QIWI Wallet is better.