• What is "WebMoney"? What are Webmoney wallets and how to use them. What is the commission of the WebMoney system? Webmoney payment system: Step-by-step registration and wallet creation

    WebMoney is commonplace. They are well aware of why this payment system is needed, what opportunities it provides and how to ensure the security of their data and cash. For those who are just about to start working with the WebMoney service, this article will be very useful.

    From this material you will learn:

    • Advantages of the WebMoney system;
    • How to create a wallet;
    • How to pay via WebMoney;
    • How to ensure the security of payment information.

    So, let's start getting acquainted with this payment system.

    A few words about the payment system

    For many network users who work with Internet money, WebMoney evokes only good emotions. In fact, this payment system is the most widespread in the world, in Russia and Ukraine as well. The number of grateful users is growing rapidly, and this is not surprising!

    A wide range of services and goods available for payment via WebMoney is attracting more and more customers. The low interest rate for making payments and transfers pleases employers on the Internet, as well as freelancers.

    Security is the hallmark of the payment system. Here the user has four ways to manage wallets, which will be discussed below. Various systems Protection for entering the site and making payments is also provided. A one-time SMS password, an e-num protection system or password-protected electronic keys will ensure the secure storage of the user’s money.

    Some aspects of the WebMoney payment system will be discussed in more detail during wallet registration.

    Registering a WebMoney wallet

    Open the main website of the WebMoney service. It looks like this – webmoney.ru or webmoney.ua depending on the user’s country. Let's go to home page and we see brief overview website and payment system, as well as some news. On the right top corner Click on the orange “Registration” button.

    Please note that registration in the system takes place in four steps - specifying your phone number, personal data, checking your phone number and assigning a password to log in. The first step is to enter your mobile phone number. Attention, use valid number cell phone to successfully complete registration in the system. To your device mobile communications SMS will be sent with confirmation passwords.

    The second step when creating account in WebMoney is to indicate personal data. These include the user's date of birth, valid email address, and selection security question and indicating the correct answer to it. Proceed further by clicking on “Continue”.

    Check the boxes if you want to receive newsletters or information about promotions from the payment system on email box or remove them if you don't need them. Next, you should double-check that all data is entered correctly and proceed to the third step - confirming your phone number.

    It is worth noting that this service is paid. A new user will have to pay for forwarding one SMS message to any of the specified numbers. If you have a smartphone and a program for reading QR codes, you can scan the code and simply click on send message. After waiting for the delivery report, you can safely click on “Continue”.

    Let's move on to the last point, namely assigning a password. You should come up with it yourself secure password using various characters, lowercase and capital letters and numbers. How longer password, the more reliable it is. You can also use special password generator services. They will create a secure password for you without much effort on the part of the user.

    Using WebMoney

    Having completed the registration process in this payment system, we find ourselves on the main page of the service. It looks like the screenshot below. What do we see here? The message window allows you to conduct a dialogue with other system participants and receive notifications from it. At the top right you can see your 12-digit WMID. On the left there are buttons for managing the system - funds, correspondents, you will also find payments and a market there, the ability to borrow funds. At the very bottom of this column there is an account settings button and a logout button.

    What is WMID? No, this is not a wallet to which you can receive funds and transfers. This is the internal user ID. To make it easier to understand, WMID is similar to ID on social networks, for example, VKontakte. Using WMID, you can add a correspondent on the corresponding page. Just enter your user ID and security code. You will see information about the owner of the WMID - add him to the list of correspondents. Now you can communicate with a person, make and accept payments.

    Creating wallets

    Even if you receive a personal WMID, you will not be able to make payments or receive transfers to WebMoney! To do this, you need to create a wallet. How to do this? Go to the "Wallets" tab in the left column.

    Now you should click on the plus next to the words “Finance”. The system will open a wallet creation page for you. At this stage, you need to select the type of wallet, otherwise its currency. As you can see, WMR corresponds to the ruble, WMZ to the dollar, WME to the euro, and WMX to cyber currency (bitcoin). Select the required currency, review the agreement, and then click the create button.

    A user can create more than one wallet. Register as many currency wallets as you need. You can also create multiple wallets in the same currency to use your funds as efficiently as possible.

    Account Settings

    The wallet creation process is complete. Now let's take a closer look at the user profile settings. To enter the settings menu, click the corresponding button at the bottom of the control column. Here the user has access to profile and security settings, the ability to install and configure access to WebMoney applications for mobile devices, as well as the ability to connect the payment system with social networks(“VKontakte”, “Odnoklassniki”, “Mail.ru”, “Facebook”, “Yandex”, etc.).

    Profile Settings

    In this subcategory of settings you can edit and add information about the user. Here you can see WMID, user passport, levels, phone and email, as well as settings for account management methods.

    Let's talk more about the certificate. What is it and why should it be done? This is a digital certificate based on the user's submitted data. The certificate serves as a level of client identification, as does the status of the wallet in the Yandex Money system. The more data is known about the user, the higher the certificate he can receive. Accordingly, the best certificate provides more opportunities to its owner. Here are just some of the advantages of a formal certificate over an anonymous one.

    There are several certifications for ordinary users. Anonymous, formal, initial and personal certificates open up everything they need. If a person decides to conduct business through the WebMoney system, then he may need a certificate of a seller, service, guarantor or operator in case of cooperation with the system.

    A formal certificate can be obtained without leaving your computer. All you need to do is upload scanned documents and fill in the fields correctly. But with initial and personal certificates the situation is more complicated. To do this, you need to visit the official office of WebMoney or one of its representatives. This information can be found on the website.

    To obtain a formal certificate, you need to provide all personal information - full name, passport details, registration, as well as postal address, upload copies of documents to the website and wait for the certificate to be issued.

    Recently, it is possible to obtain higher certificates without visiting representatives. Detailed instructions is outlined in the help on this page - http://wiki.WebMoney.ru/projects/WebMoney/wiki/Certificates

    In principle, for basic operations with the system (depositing and withdrawing funds), a formal certificate will be quite sufficient. When you receive it, it will be displayed in your profile settings as follows:

    Ways to manage WMID

    This point should be given special attention to each user. The security of his data and funds depends on which management method a person chooses. Let's take a closer look at them.

    The old names were replaced by new ones, but the methods remained the same. Immediately after registration, the user works in the system through Keeper Standard - a simplified web version of WebMoney. By choosing control via WinPro or WebPro Keepers, you get full spectrum services and access to them. It is worth noting that to connect WebPro you must have a personal certificate.

    WinPro is a way to manage your own WMID using a program installed on a PC. For it to work successfully, you will need to download the program, upload electronic keys and create a separate password for this control method. Let's do this.

    Click on the underlined “Enable” button next to the WinPro control method. We see that to continue the planned actions you need to log in with confirmation. Click on the link and you will be taken to the authorization page.

    You can confirm authorization by entering a code from an SMS received on your cell phone. It is also possible to secure your account and all actions in it through the e-num protection system. How to activate it?

    Creating e-num protection

    Since you will need to download the e-num application for your mobile device, let's do it right away. Let's look at the example of an operating room Android systems. Let's go to Play Market and download official application, after which we launch.

    In the first window we see the “Register now” button - click on it. On next stage indicate your email address (preferably the same as in WebMoney) and mobile phone number. Enter the security code and continue.

    The next point is confirmation mailbox. Open your email and you will see a letter confirming your registration in the e-num system. Click on confirmation. Then we return to the application and enter the code from the message received on the phone in the field.

    The final stage will be authorization in the system. Enter in the last window email and activation code from the account (will also be sent via SMS). Do not delete it; you will need it if you lose access to the application. It is recommended to set a security code or graphic key for the e-num application for greater security.

    Linking two accounts is quite simple. Go to the security tab in your WMID settings. Then in the e-num line, click on connection. Enter your details in the system, confirm in mobile application through a question and answer - and e-num will begin to be used as protection.

    We also recommend adding this security system to “Confirmations”. Thus, attackers will not be able to log into your WebMoney account, much less make payments without your confirmation through the mobile application.

    Changing the control method (continued)

    The application of this security system is designed very competently and conveniently. If at the time of going to this page your smartphone was online (the Internet), then the application itself will notify you of such actions and offer to receive a response number. Enter it in the appropriate field and confirm your entry.

    On next page you need to come up with a password for a new way to manage WMID. Remember that the password for the site will remain the one you specified during registration! So, let's introduce a new one strong password and duplicate it. Click on the green button!

    Key generation. These are electronic keys for managing your account in the system. They need to be downloaded as a single file, which weighs almost nothing. Attention! Proceed ONLY after successful download electronic keys.

    Let's start installing the WebMoney Keper WinPro program. Download installation file The Russian version can be found at http://download.WebMoney.ru/wmk_ru.exe.

    We agree with all points, including license agreement. Be sure to download the plugin required for correct operation(just agree in the dialog box). After installation is complete, open the application.

    When starting the program for the first time, given that the user is working with it for the first time, there is no need to specify the electronic key file. They will be useful if you need to restore access to the identifier. At this stage, it is enough to enter your personal WMID and password from this method management.

    Remember an important detail: the password for the electronic key file is the same as for WinPro. When reinstalling the system or trying to log in from another computer, even when re-equipping your own, the program will require electronic keys.

    When you start it for the first time, an error may appear, as in the picture. Don't be scared possible problems. This is the usual confirmation of your actions. To do this, you need to go to your email and copy the registration code from the letter from the WebMoney support service. You can go to the page specified in the error description directly from it or from an email.

    Enter the code in the required field, and also enter the captcha correctly. WMID should be filled in automatically. Click the activation button. Agree that you really want to activate Keeper on your equipment. Activation is now completed successfully!

    That's it - Keeper is created. Now you can manage electronic money through the program on your PC. All functions the usual way and even more are now available to you, a person who until recently did not even have an account in WebMoney.

    Let's summarize. The WebMoney monetary system is the undisputed leader among its competitors. Registering an account and receiving certificates does not take much time. Using all security measures will ensure the safety of your personal data and funds. Several control methods allow you to choose the most convenient option for you. Use WebMoney wisely and have fun!

    Types of title units

    The system supports several types of title units stored on the corresponding electronic wallets:

    • WMR - equivalent to RUB on R-wallets;
    • WME is the equivalent of EUR on E-wallets;
    • WMZ is the equivalent of USD on Z-wallets;
    • WMU is the equivalent of UAH on U-wallets;
    • WMY - equivalent to UZS on Y-wallets;
    • WMS is the equivalent of TJS on S-wallets;
    • WMB is the equivalent of BYR on B-wallets;
    • WMG - equivalent to 1 gram of gold on G-wallets;
    • WMC and WMD are equivalents of WMZ for credit transactions on C- and D-wallets.

    Transfer of funds is only possible between wallets of the same type; exchange of title units various types made in exchange services that are not directly related to the WMT system.

    Creators of the system

    • The guarantor for WMR operations is VMR LLC.
    • The guarantor for WMZ and WME operations is Amstar Holdings Limited.
    • The guarantor for WMU operations is the company Ukrainian Guarantee Agency LLC.
    • The guarantor for WMY operations is the Uzbek Guarantee Agency TILLO-GARANT LLC.
    • The guarantor for WMB transactions is the Open Joint Stock Company "Technobank".
    • The guarantor for WMG transactions is WM Metals FZE.

    The owner and administrator of the system, ensuring its organizational and technological integrity, is WM Transfer Ltd. Development software And technical support The functioning of the system is managed by the company CJSC Computing Powers. For more details, see

    Client software

    In order to work in the system, you can use the client program WM Keeper Classic for Microsoft Windows OS, or website WM Keeper Light or WM Keeper Mini, allowing users of any OS to use the system. Support for cell phones is also implemented using a J2ME application in WM Keeper Mobile(http://www.telepat.ru).

    WM identifiers

    When registering in the WMT system, after accepting the system agreement, the user receives a 12-digit WM identifier (WMID), for example, WMID#012345678901. The user can create an arbitrary number of WM wallets. Each such wallet is identified by a one-letter code of the type of WM characters used and a 12-digit number (for example, Z123456789012 for a WMZ wallet). The WMT certification service allows you to determine the owner’s WMID by his wallet number, but not vice versa.

    Certification

    Payments between system users can be carried out pseudonymously. When registering, it is allowed to enter the user’s personal data. Each user can voluntarily receive a WM-passport as proof of his identity in front of other users of the system. You can check the certificate of any user of the system in the WMT certification center.

    There are several levels of WM certificates:

    • Certificate of a pseudonym - certificate of oneself low level. The data published in the certificate is entered during WM Keeper registration and is not checked.
    • Formal certificate - the data published in the certificate is entered on the website of the certification center. Providing passport data is mandatory, but it is not checked.
    • Initial certificate - issued by the personalizer (a participant in the system with a certificate no lower than personal). The provided passport data is checked by the personalizer during a personal meeting or after sending notarized documents to him by mail. The initial certificate confirms that the passport data published in the certificate has been verified. As of February 2007, more than 7 thousand users of the WMT system have initial certificates.
    • Personal certificate- issued by the registrar and is the main certificate in the WMT system. The provided passport data is checked by the registrar during a personal meeting or after sending notarized documents to him by mail. A personal certificate provides the user with a large number of advantages compared to certificates of lower levels. As of February 2007, more than 12 thousand users of the WMT system have personal certificates.
    • Registrar's certificate - certificate of the high level. It is issued only by system operators during a personal meeting. As of February 2007, 68 users of the WMT system have registrar certificates.

    In addition to the types of certificates already mentioned, there are certificates issued for conducting a certain type of activity, and which are varieties of certificates of the five named levels. Such certificates include a seller’s certificate, a developer’s certificate, a WMT service certificate, etc.

    Arbitration

    Users of the system, as well as persons who are not users of the system, have the right to file claims against users of the system. A claim can be filed even against the system operator, who has the right to block wallets. A complaint is essentially just the publication of information about the user’s unlawful actions. To begin the proceedings, paid claims are filed, which are considered by the WMT arbitration service. Claims are resolved by arbitrators appointed from among users with registrar certificates. According to the rules of the system, the decisions of this appointed arbitration are final and are not subject to appeal within the system. Unlike claims, only a system user with a certificate no lower than a personal one can leave a positive review about a system participant.

    Integration with the system

    Particular attention in the system is paid to the possibility of complete integration of resources that accept payments with the system. Thanks to the software interfaces of the system, any resource has the opportunity to conduct financial transactions in automatic mode. For example, payments can be accepted on the website using automatic interfaces of the Merchant WebMoney service. Integrating a website with a service does not require special knowledge and skills and is completed in several steps. A special module has been created for the XML interfaces of the system - WMSigner. It serves to form digital signature(EDS), used for authentication when working with software interfaces WebMoney systems. The module exists in several versions:

    • executable file for Win32;
    • ActiveX object for Win32;
    • supplied as C++ source code;
    • .Net with source code in the language.

    Criticism

    Many specialists banking sector criticize this system payments for opacity, lack of cooperation with state fiscal authorities and substitution of concepts of their activities. Although it is indisputable that both the owner and the guarantors of the system report to the fiscal and tax authorities, each in their jurisdiction.

    From certain points of view there are clear statements that Webmoney system is a new type of financial pyramid or one of the Internet bubbles. The main explainable motive for the operation of such a system is an attempt to replace existing conventional banknotes with their own electronic ones - in order to involve as many larger number funds into circulation and thereby increasing profitability for owners and operators.

    But these are just assumptions that have no logical motivation, since the operation of the WebMoney system is identical to the operation of any banking system- receiving a percentage of profit from transactions performed by users.

    It should be noted that the currencies of the system have been completely liquid since the day of their foundation. And the presence of a transaction fee (0.8% of the transfer amount) in to a greater extent motivates the operator to increase the number of transfers within the system rather than to increase the volume of funds in it.

    See also

    • E-gold
    • WebMoney in the .Net environment.
    • Monitoring exchangers

    Links

    • oWebMoney. Ru Information site about the WebMoney system;

    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.

    Payment system webmoney.

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

    The Webmoney payment system legally belongs to the company Webmoney Transfer, registered in London, but it was developed in Russia, where all technical support is provided, and 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 electronic system calculations for conducting and declares that he 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 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 in him and, therefore, the more operations he can perform.

    By default, each participant registered in the system is issued a certificate of the lowest level - a 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 capabilities of the system user. 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:

    – Replenishing WebMoney electronic wallets with cash in various 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 special software - WM Keeper.

    WM Keeper.

    The WM Keeper program is designed to manage electronic wallets and simplify transactions 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, 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 registering 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.

    Stay with us and improve your financial literacy. See you in new publications!

    The official date of creation of the Webmoney payment system can be considered 1998. Since then, this payment system has been constantly gaining momentum and at the moment remains the world's most popular electronic payment system. But despite this, questions about what “WebMoney” is not going away. Therefore, it is completely reasonable to raise this issue in order to understand it once and for all.

    What is "WebMoney"?

    If we compare the electronic money system with credit cards, then the first is, of course, a relatively new type of electronic money. Every year it is gaining more and more popularity, which is why it is difficult to find a person who does not know (at least superficially) that electronic money exists and many users of such systems continue to successfully work with them.

    It should be noted that officially “WebMoney” are title units, each of which has its own specific cost based on its type category.

    Why do we need WebMoney and where can we use it?

    What is WMID for?

    Each new registered user is given a 12-digit number, which is a personal identifier (WMID). Thanks to this number, you can quickly identify any user of the system, thus it acts as something like a login in the system.

    Anyone can create “WebMoney” and get their WMID, and in the same way, every user can view all the information thanks to this identifier, so that the transaction made is as secure as possible, and in case of fraudulent actions, you can file a claim with the service administration.

    It is worth noting that for one VMID you can create not one “WebMoney” wallet, but several, which makes it much easier to use.

    What is WebMoney Keeper

    If everything is clear with the question of what “WebMoney” is, then the next step will be to explain the concept of WebMoney Keeper. This is nothing more than special software that is provided free of charge to all users of the system. Thanks to this service, you can directly control your account and get easier and more convenient access to all services in the system.

    Due to the fact that there are several types of specialized versions of this software, the user has the opportunity to choose exactly the type that will be primarily convenient for him and contain the entire range of necessary functions that meet his requirements.

    Main versions of WebMoney Keeper

    WM Keeper Mini is the simplest version of the program, which is available in the browser. It is convenient primarily because thanks to it you can use your account from almost anywhere in the world where there is an Internet connection. Its security consists of entering your mailbox, password and security code. There are restrictions on the withdrawal and transfer of funds, but this is only for your safety.

    WM Keeper Light - this version of the program is as simple as the previous one, only it has additional protection and functions.

    WM Keeper Mobile is a program for smartphones or phones.

    WM Keeper Classic is an application that is assigned to personal computer. The maximum degree of protection and a full range of services cannot but rejoice; the only thing worth noting is the complex multi-stage registration with confirmation of email and telephone number.

    Despite this, step-by-step registration has tips to make it easier for you to navigate. You need to start from the official website, where you can download the software to your computer. Next, register, enter all the necessary data, including passport details, after which we create a wallet.

    Creating a wallet

    Before you start using it and appreciate all the advantages that electronic money has, you need to create a “WebMoney” wallet. This is necessary so that your savings have a certain place to be stored.

    After the user has logged into the system, you need to find the icon that says “Wallets”, and then click on the plus sign “+” in the space provided for this.

    Now all functions are available to you.

    How to use

    Now you can transfer funds to WebMoney in order to perform all kinds of operations with them. In order to deposit a certain amount of title units into your account, you need to choose one of the methods that will be relevant and convenient for you. Can be used:

    • Exchange offices that exchange cash or non-cash money for title units of the service directly to your wallet; for this you only need to provide its unique number.
    • Internet banking, ATMs and payment terminals. One of the fastest and most convenient ways.
    • WM cards.
    • Postal transfer.

    In the WebMoney system, an invoice will be presented to the user, and after payment, the title units will arrive to your wallet.

    Inside the system there is large number convenient services, thanks to which you can quickly and without unnecessary problems pay for various services, Internet or cellular communication. You can also find a store nearest to you that accepts title units of this payment system. And if you enter a current account in a special field, you can make connections. At the moment, almost the whole world accepts payment in this way.

    If necessary, you can pay for any services, make a transfer, even take out or issue a loan. Most operations through WebMoney require confirmation of a login, password or other authorization method, depending on the keeper that is used.

    Withdrawal and commission

    Now it’s worth talking about the commission, which is charged to the user for almost any operation, with the exception of depositing funds. In all other cases - when transferring, withdrawing and paying for services - Webmoney charges a single commission, which is 0.8%. It is worth taking this into account when manipulating finances.

    Now you know what WebMoney is and you can safely start working with this popular payment system.

    WebMoney- This payment internet 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 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 WebMoney payment system and take full advantage of the opportunities, we will need to do 4 simple steps:

    Register in WebMoney

    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 replenishing 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.

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