Electronic money currency. The Whole Truth about Electronic Money... Electronic money Qiwi

Majority active users Internet users use electronic money to pay for goods and services online. Payment using electronic money happens instantly, and they are a good alternative to bank cards and accounts. Most novice Internet users have heard about electronic money, but have a very superficial understanding of it. However, as you master the computer and the World Wide Web, sooner or later, a moment will arise when you need to make a payment online.

In this article we will talk about what electronic money is, the history of its origin, how to start it, its advantages and disadvantages.

Electronic money (or in other words, virtual money) cannot be touched or put in a wallet, but it has the same value as physical money. And this is not surprising, because... In order for you to have electronic money on the Internet, you need to add real banknotes there to exchange for an electronic equivalent or receive them from someone by transfer, who in turn also deposited real banknotes, i.e. Electronic money on the Internet does not appear out of nowhere like in a fairy tale.

Virtual funds can be compared to a bank card to which your salary was transferred. You cannot touch the money, but you can pay with it or transfer it from card to card using online banking via a computer or smartphone.

To accept, store and make payments with virtual money, you must have an account in a payment system that handles electronic money. There are payment systems on the Internet a large number of, both foreign and Russian. They do not issue money like the Central Bank, but simply provide operational services for a small commission percentage.

Here is a small list of what you can pay with virtual funds:

• goods and their delivery in online stores;
• mobile communications;
• to buy tickets;
• book hotel rooms;
• pay for housing and communal services;
• pay fines.

And in general, any goods or services sold via the Internet can be paid for with electronic money.

History of electronic money

The official history of electronic money dates back to 1993, when European central banks drew attention to the growth of electronic payments on the Internet and initiated a study of this phenomenon. In 1994, according to the results of a study, electronic financial transactions were officially recognized on the Internet. And since 1996, the central banks of the Big Ten countries began to carry out financial monitoring of electronic money in countries with a developed Internet.

On the territory of Russia, electronic money has been used for the first time since the mid-90s of the last century, gradually increasing turnover and actively developing. By 1998, the first electronic payment system (EPS) Webmoney appeared in Russia, carrying out transactions in all major currencies.

On this moment The most common electronic payment systems in Russia are:

1. Yandex money.
2. Qiwi.
3. Webmoney

Payments from the above systems are accepted by all online stores in Russia

To pay for goods and services with electronic money, you need to open an account, or a so-called “wallet,” in one of the EPS (electronic payment systems) that you are going to use.

To create electronic money you must complete the following steps:

1. Register in the selected electronic payment system and receive an account number, the so-called “wallet”.
2. Identify yourself. Without personal identification, the use of EPS is possible only with restrictions.
3. Enter the required amount in real money into your wallet in any way (through a terminal, communication shops, online banking, with bank card etc.), which is available for this payment system.

Registration and further work should not cause any problems with your wallet, you just need to follow step by step instructions payment system.

Advantages of electronic money

The main advantages of electronic money are:

1. Instant payment for goods and services at any time of the day using a computer or smartphone. Each payment system has an application for a mobile device.
2. Quick transfer of funds to relatives and friends.
3. Quick replenishment of your wallet with minimal or no commission, depending on the replenishment method.
4. Easy to use and create an account.
5. All popular payment systems issue virtual or real map, from which you can make payments online without fear of exposing your main salary or credit card. And in the case of receiving a physical plastic card from the payment system, you can pay with it in ordinary stores or withdraw money from it that was transferred to you in the system.

Disadvantages of electronic money

Along with undeniable advantages virtual money also has a number of disadvantages.

1. Commission when withdrawing funds from your wallet to your bank account or card.
2. Commission for withdrawing electronic money from a payment system card.
3. If you lose your password, you lose access to your wallet, which will be difficult to recover.
4. It is possible that the wallet could be hacked by attackers and therefore lose money.

Do not forget about the payment system, and also do not allow your password to become known to anyone, otherwise you may lose all the funds in your electronic wallet. When registering a wallet, come up with one that will be impossible to match.

In addition, despite the serious measures taken by payment systems to protect user funds, the possibility of wallet hacking cannot be completely ruled out. So don't keep it permanently. large amounts on the EPS account.

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Currently, the Internet is a huge world that has no limited opportunities. With its help, you can make purchases without leaving your apartment (workplace). It is more convenient and faster than the traditional method, and often much cheaper. But this requires electronic money.

Electronic money is a virtual monetary unit through which all kinds of payments are made on the Internet. These are, in fact, the same banknotes that have the same value as real money or funds in bank accounts, with the difference that all of their circulation occurs exclusively on the Internet. Electronic money can be in different currencies, they can be exchanged for real money and vice versa.

Electronic money is an open-ended monetary obligation of a financial and credit institution, expressed in in electronic format, certified electronically digital signature and redeemable at the time of presentation in ordinary money.

Electronic money is a new means of payment that allows payment transactions and does not require access to deposit accounts.

Electronic money - in in a broad sense words are considered as a set of subsystems of cash (issue is carried out without opening personal accounts) and non-cash money (issue is carried out with the opening of personal accounts) or as a system of monetary settlements through the use of electronic technology.

Electronic money - in in the narrow sense represent a subsystem of cash issued by banks or specialized credit institutions. The main difference here is that it is not necessary to use a bank account when making a payment, when the transaction is carried out from the payer to the recipient without the participation of the bank.

Electronic money is a means of payment that exists exclusively in electronic form, that is, in the form of entries in specialized electronic systems Oh. Currently, they are used mainly on the Internet, but they can also exist outside of it.

Electronic money is issued in the form of fairly arbitrary payment units, for example WMZ or WMR in the electronic money WebMoney. Typically, these units are pegged to some currency.

Electronic money first appeared in Japan in the late 1980s. At that time, prepaid chip cards were being introduced for some Japanese telephone, transport and trading companies, other companies gradually began to use and accept them.

In Europe, the first use of previously paid electronic payment products were introduced in the early 1990s. They allowed users to store electronic money on cards. The new means of payment attracted attention not only because of their innovative technical qualities, but also because they were issued by non-banking institutions. Soon banks began to implement similar projects.

TYPES OF ELECTRONIC MONEY

There are 2 types of electronic money:
1. Electronically issued payment certificates, or checks. These certificates have a specific denomination, are stored encrypted, and are signed electronic signature issuer. During settlements, certificates are transferred from one participant in the system to another, while the transfer itself may occur outside the framework of the issuer’s payment system.
2. Entries on current account system participant. Calculations are made by debiting a certain number of payment units from one account and depositing them into another account within the payment system of the electronic money issuer. The second type is a fairly accurate analogue of non-cash funds.

From the point of view of the owner of electronic money, both of these types are practically indistinguishable and are used approximately the same. Capabilities of systems built on different principles are also almost identical.

MAIN CHARACTERISTICS OF ELECTRONIC MONEY

In modern monetary systems, electronic money is fiat money, has a credit basis, performs the functions of a means of payment, circulation, accumulation, and has a guarantee. The basis for issuing electronic money into circulation is cash and non-cash money. Electronic money acts as a monetary obligation of the issuer when servicing non-cash transactions.

Electronic money is characterized by an internal contradiction: on the one hand, it is a means of payment, on the other hand, it is an obligation of the issuer, which must be fulfilled in traditional non-electronic money.

Main characteristics of electronic money:
- the monetary value is recorded on an electronic device;
- they can be used for a variety of payments;
- payment is final.

Unlike conventional non-cash money, electronic money exists only within the issuer’s payment system and cannot be transferred unchanged to other systems. This limitation greatly simplifies the creation and maintenance of electronic money systems, which leads to a very large reduction in transaction costs, since all transactions occur within the system.

LEGAL AND ECONOMIC STATUS OF ELECTRONIC MONEY

Initially, the basics of the legal status and rules for the use of electronic money were enshrined in Federal law dated June 27, 2011 No. 161-FZ “On the National Payment System”, and later in the regulations of the Bank of Russia. One of the latest was the Memo "On Electronic Money akh", approved by letter of the Bank of Russia dated December 20, 2013 No. 249-T, which was recommended by the mega regulator for study by credit institutions and distribution among their clients - individuals.

From a legal point of view, electronic money is a perpetual monetary obligation of the issuer to bearer in electronic form, the release (issue) into circulation of which is carried out by the issuer, both after receiving funds in an amount not less than the volume of obligations assumed, and in the form of the loan provided. The circulation of electronic money is carried out by assigning the right of claim to the issuer and gives rise to the latter’s obligations to fulfill monetary obligations in the amount presented by electronic money. Accounting for monetary obligations is carried out electronically on a special device.

In an economic sense, electronic money is a payment instrument that, depending on the implementation scheme, has the properties of both traditional cash and traditional payment instruments (bank cards, checks, etc.): similar to cash is the ability to make payments bypassing the banking system, with traditional payment instruments - the ability to make cashless payments through accounts opened with credit institutions.

There is a fundamental difference between electronic money and conventional non-cash funds; it lies in the fact that electronic money is not a substitute ordinary money, but represent means of payment issued by any organization, while ordinary money (cash or non-cash) is issued by the central state bank of a particular country. There is no direct relationship between non-cash funds and electronic money.

There is also a fundamental difference between electronic money and credit cards. Electronic money is a completely separate and independent means of payment, and credit card- just one of the ways to use your bank account, all transactions take place with ordinary money, albeit in non-cash form.

PAYMENT SYSTEMS

Just as banks are the circulatory system of the economy of any state, electronic payment systems act as the circulatory system and ecommerce These are the main, but not the only directions for their use.

Each electronic payment system issues its own electronic money, which can correspond to different real currencies. Different electronic payment systems have different levels of development, different functionality, different network coverage, different purposes. As a rule, electronic money of one payment system can be exchanged for the currency of another, but not always; in addition, such an operation will require a certain commission. Electronic payment systems make money from commissions that are charged for all transactions with their currency.

As a rule, electronic payment systems issue exactly as much electronic money as is needed, that is, to the extent that system users deposit their real money to purchase electronic currency. The issuance of electronic money is usually regulated by legal regulations, so electronic payment systems that are registered and operate in a particular country must adhere to these regulations. However, this often does not actually happen, since electronic money is very difficult to track and legislation in this area remains imperfect.

There are many electronic payment systems, but when choosing, they are usually guided by two rules: popularity (prevalence) and reliability (degree of protection), and these factors significantly narrow the range of electronic money under consideration. It is necessary to choose the most famous payment systems, since it is their currency that is supported by most online stores and websites.

WebMoney payment system

Webmoney Transfer is the most widespread and reliable Russian electronic payment system for conducting financial transactions in real time, created for users of the Russian-speaking part World Wide Web. This is the undisputed leader among payment systems not only in Russia, but also in other CIS countries, and also has a certain circulation around the world. Legally, WebMoney Transfer is not a payment system, since it does not issue electronic money, but the so-called. title units through which the transfer of monetary rights of claim is carried out. The company was founded in 1998 and today there are more than 25 million participants in the WebMoney system, while WebMoney wallets are used by more than 35% of Runet users.

Anyone can become a user of the system. The means of payment in the system are title units called WebMoney, or WM for short. All WM are stored in so-called electronic wallets. In total, the system uses about a dozen electronic currencies (including special credit currencies), including equivalents of the currencies of the CIS countries, the world currencies of the dollar and euro, as well as gold.

The most common types of wallets are:
WMR - ruble wallets;
WMZ - dollar wallets;
WME - wallets for storing euros.

A special program is used to use the system WebMoney Keeper, which can be downloaded for free from the system website upon registration. The level of protection for transactions performed is very high, so you can be sure that your money will not disappear anywhere and all transfers will reach their intended destination. When transferring money, a small commission (0.8% of the transfer amount) is charged in favor of the system.

The WebMoney Transfer payment system allows you to:
- carry out financial transactions and pay for goods (services) on the Internet;
- pay for services mobile operators, Internet and television providers, pay for media subscriptions;
- exchange WebMoney title units for others electronic currencies at a favorable rate;
- make payments by email, use mobile phone as a wallet;
- owners of online stores accept payments for goods on their website.

Payment system Yandex Money

Yandex Money is the second most popular universal payment system on the Russian-language Internet. In mid-2002, Paycash entered into an agreement with the largest search engine Runet Yandex about the launch of the Yandex Money project. Currently, the system is not just a combination of reliable PayCash technology and a multimillion-dollar Yandex audience, but also a partnership with hundreds of participants. Partners include banks, Internet providers, online stores, post offices, utilities, and other payment systems.

Main features of the Yandex Money payment system:
- pay for services (Internet access, cellular communications, hosting, apartment, etc.);
- accept payments on your website in more than 20 ways;
- electronic transfers between user accounts;
- buy, sell and exchange electronic currencies;
- transfer funds to a credit or debit card.

The transaction fee is 0.5% for each payment transaction. When withdrawing funds to a bank account or other method, the Yandex Money system retains 3% of the amount of funds withdrawn, in addition, an additional percentage is charged directly by the transfer agent (bank, post office, etc.).

Payment system PayPal

PayPal is the most popular electronic money system in the world. More than 110 million users around the world trust PayPal and use its services in thousands of online stores.

The key to choosing PayPal is its global nature. Using this payment system, you can make exciting shopping in online stores in the USA or China, while being a resident of Russia, Belarus or another CIS country. Thanks to the speed of action, funds will be transferred in a matter of seconds.

Registration in the system is absolutely free, and the time it takes to become a PayPal user is minimal. Account, open in the PayPal system, allows you to conveniently transfer funds from various financial sources to a wide variety of recipient categories (for example, an online store) without disclosing your financial information.

The PayPal electronic payment system allows you to link a bank card or bank account to your account and top it up at any time, transfer money to other accounts, pay for purchases, and exchange currency. In this case, currency exchange is carried out automatically: if the sender’s account is opened in a different currency than the payment recipient’s account, then the system converts this payment in the required currency. This payment system works with Visa cards, MasterCard and American Express, and more recently with Maestro.

Online wallet

For transactions with electronic money, as a rule, an electronic wallet is used, which can be considered as an analogue of a regular wallet, or as an analogue of a bank account. From the point of view of the owner of the funds, an electronic wallet usually represents a unique identifier, as well as one or more interfaces to interact with the system, allowing control of funds and making payments. Sometimes working with electronic money requires installing special software on the user’s computer.

To become a member of the electronic payment system, you need to register in it (this must only be done through the official website!) and open one or more electronic wallets, depending on need.

Electronic money is reliably protected by unique details that are used for each transaction. It is impossible to falsify the details, which guarantees the safety of the virtual wallet. The lion's share of electronic money thefts occurs due to the carelessness of users. Password from electronic wallet must be complex. And you need to store it either in encrypted form on your computer (there are special programs for data encryption), or on some non-digital media - for example, in a notepad that you always have at home. You cannot tell anyone your wallet password. It is also important to follow the rules computer security: first of all – install good antivirus. You need to use the services of only trusted online stores. If a store is mentioned on the website of the selected payment system, then you can be sure of it. If on email I receive a letter stating that the account is blocked; you should never click on the link provided.

INPUT AND WITHDRAWAL OF ELECTRONIC MONEY

You can top up your e-wallet account in the following ways:
- in cash through a terminal or ATM that has a section of this payment system in the menu;
- transfer from a bank card;
- from a mobile phone account;
- in the office of the partner company.

When you top up your account, there is usually a fee. Its size depends on the selected replenishment method. To choose an option with a minimum commission, go to the payment system website. As a rule, the site has a section that lists all possible ways payment indicating the amount of the commission.

Withdrawals can also be made in various ways:
- receiving cash at the system operator’s cash desk or at a cash dispensing point;
- Postal transfer to the name specified by the owner of the electronic wallet;
- bank transfer to the specified account;
- replenishment of a credit card account;
- conversion to electronic money of other systems.
Usually, a certain commission is charged for withdrawing funds. There are also limits on the amount of withdrawal amounts.

To withdraw funds in the Yandex Money payment system, you just need to indicate your bank card number and confirm the operation with a password. The specified amount will be immediately withdrawn from the wallet account and transferred to the bank card account. This amount is not credited to your bank account instantly; you will need to wait from one to three business days.

On the website of the electronic payment system, you can order a “branded” bank card, for example a Yandex Money or Webmoney card, and use these cards to pay in stores, withdraw cash from an ATM and other transactions.

It should be noted that the state’s gold reserves do not support any electronic money system. All responsibility for any given electronic money rests with the specific system in which it is used. Based on this, such systems are best used as payment systems, without accumulating large sums of money in your electronic wallets.

Advantages

The most important advantage use electronic transfers is that almost all financial transactions are carried out virtually, bypassing cash transactions. Whether you are buying a product in an online store, or vice versa, selling it, it is most convenient to use this method of paying for purchases on the Internet.

Mobility is another plus. In any place, and at any time convenient for you, you can perform this or that operation from your electronic wallet. To do this, it is enough to have a mobile phone, computer or other device connected to the Internet. You can perform transactions 24 hours a day, 7 days a week.

Another advantage of electronic money is the speed of transfers between wallets; in almost seconds they arrive from one wallet to another. There is no need to go to the bank or post office, “languishing” in line to send a transfer, pay public utilities and so on. In addition to saving time, there is another argument in favor of electronic money - low commissions for money transfer operations, and sometimes even their absence.

Ease of use is also an important argument in favor of electronic money. Any person, even without special knowledge or experience, can become the owner of an electronic wallet, because its creation does not cause any difficulties, and working with the account is extremely simplified.

Portability is another advantage. Electronic money does not require packaging, transportation, security or special storage. No cases or safes. The most important thing is to securely store your login data into the electronic payment system.

Anonymity is another important plus, since not everyone likes it when strangers have the opportunity to look into their wallet.

Flaws

Along with the advantages, there are also disadvantages:
1. The main disadvantage is that the issue of electronic money is guaranteed exclusively by the issuer; the state does not provide any guarantees of maintaining their solvency.
2. Electronic money exists only within the framework of the system within which it is issued. In addition, electronic money is not a generally accepted means of payment that must be accepted.
3. Transferring funds from one electronic money system to another can be a rather inconvenient and expensive operation; such a transfer is significantly more expensive than a transfer within the system.
4. No interest is accrued on the balance of electronic funds, and no other remuneration is paid to the client for their use.
5. The operator does not have the right to provide the client with funds to increase the balance of electronic money. Thus, lending through electronic money is excluded.
6. Working with electronic money requires some knowledge and experience. If you are just starting to work with this type of money, I recommend operating with amounts that you are not afraid of losing.
7. If strangers gain access to your wallet and the money disappears, there will be nowhere to turn. It will not be possible to return the stolen money, since the legal framework for this aspect of financial activity on the Internet has not yet been fully developed.

You will learn the names of electronic money, which are most popular in Russia, how and where you can buy such means of payment, and what are the features of cashing them out.

Good afternoon, dear readers! Denis Kuderin is with you, editor-in-chief and part-time expert of HeatherBober magazine on financial topics.

I work remotely and receive my salary via the Internet, namely through online banking and through electronic payment systems (EPS). I have accounts in at least 5 of these services, and I use them more or less regularly. Electronic money is convenient, fast and reliable, provided that you use it wisely.

I will tell you what the pros and cons of electronic money are, how to manage them correctly, which wallets are preferable for domestic and which for international payments.

You will learn how profitable it is to cash out digital money, where the lowest commission is, and why you cannot put an equal sign between WMR and rubles.

1. What is electronic money and how did it appear?

It is useful to know about electronic money for everyone who intends to use or already uses money payments on the Internet. If you want to pay for the services of a provider, throw money at your phone, buy a bike in an online store, get paid for the work done by a designer, author, translator, payment systems will become your reliable assistant.

EPS has only one alternative - Internet banking. But not all service providers, customers and employers support financial settlements through a bank. For some it is expensive, for others it is unprofitable, and for others it is inconvenient. EDs provide additional freedom of action in this regard.

What is electronic money (ED) from a legal point of view? This is a kind of obligation assumed by the issuing organization. They are the equivalent real money, stored on an online resource. This is part of the virtual financial market.

What is the level of reliability of cashless systems in comparison with banks? It will be difficult for a non-specialist to compare the degree of vulnerability of a personal Internet account in a bank and an account in an EPS.

The developers assure that your funds will be kept equally secure both in the bank and in virtual wallets. But a bank is still a bank, that is, a place, by definition, intended for storing money. And EPS is primarily a service for virtual payments and only then storage.

Hence the conclusion: store on electronic wallets large sums- not the smartest move. Keep funds here for operating expenses and everyday payments. It's better to keep the rest in a bank account.

Historical reference:

The need for remote electronic payments appeared almost immediately after the widespread spread of the Internet. The first full-fledged EPS appeared in 1997. In Russia it was a platform called CyberPlat, which allowed instant payments through secure channels.

The first online payment in the Russian Federation was carried out in 1998. In the same year, the WebMoney platform, which is still successfully operating today, went into operation. The date of the first transaction was November 1998. Now WebMoney Transfer has more than 36 million users around the world.

The legal regulation of the status of ED is regulated by the Federal Law on PS of 2016.

ED is the equivalent of real monetary units. They perform the same function as regular money and are legally taxed. Some services even issue plastic cards that have the same capabilities as traditional bank plastic.

Personally I have a plastic card YandexMoney, which I successfully use to pay in supermarkets, coffee shops, cinemas and wherever there are acquiring machines.

The only disadvantage of this card is the 3% commission for cash withdrawals. But some banking products also require interest on withdrawals, so this is a relative minus.

Let's list the main advantages of ED:

1. Convenience– most payments and transfers are made in one click.
2. Reliability– if necessary, you set up confirmation of transactions via SMS: no one except you will know the code for the operation.
3. Durability– money is stored in your wallet as long as you need it.
4. Liquidity– translate virtual funds in real time at any moment.
5. Anonymity– if desired, the recipient and sender remain unknown.
6. Safety– all EPS use modern algorithms protection of funds and transactions.
7. 24/7 service– services are automatic and work seven days a week.
8. Versatility– almost all banks, online stores and service sites accept electronic payments.
9. Anti-counterfeit protection– they will not transfer you a counterfeit bill electronically.
10. Portability and comfort using.

Among the disadvantages of virtual coins are the presence of a commission for some operations, the risk of account hacking by attackers, and loss of access to the wallet if the authorization data is lost.

The last drawback can be easily eliminated if you go through full identification. For example, in YaD, for this you need to come to the organization’s office (or to the Euroset salon) with a passport and pay 50 rubles. After this, it will be easier to restore access if you lose your password and code word.

To use EPS, a person only needs access to the network, an ATM or a card issued by a payment system. But I have to warn you that not all countries accept electronic payments. When traveling abroad, it is wiser to use the international EPS Visa and MasterCard.

2. Ways to use electronic currency

The main scope of ED application is settlements between users (individuals, companies, public organizations).

Payments are made instantly thanks to modern digital technologies. This distinguishes EPS from transactions with bank accounts, which are often delayed for several hours or even days.

Let's consider all the methods of application virtual money.

Method 1. Internet payments

This is the main use case – payments on the Internet for goods, services, work performed. Money with electronic invoice sent to other wallets, bank cards, accounts of organizations and individuals.

Payments are available around the clock. Pay when it’s convenient for you for purchases, housing and communal services, Internet providers, operators cellular communications, government services, traffic police fines, etc. All transactions are tracked and saved in the transaction history.

If required, you will receive a check by mail with details and payment date. Print it out and use it as proof of payment.

Method 2. ATMs

Terminals and ATMs are another popular tool for using digital money.

Using hardware, they top up accounts, pay for purchases, and receive cash.

Method 3. Credit cards

Some systems allow you to pay with credit funds when paying for purchases in stores, supermarkets, hotels and other places.

In addition, you have the right to pay off expenses from credit cards using electronic money.

Method 4. Bank checks

You transfer ED to a bank account, then withdraw funds from a bank or ATM.

Another option is to send electronic money using international EPS, the recipient receives the transfer at the bank. The method is not the fastest, but sometimes it is the only possible one.

3. What types of funds are there on the Internet?

I have used all three EPS presented below and can reliably indicate the advantages and disadvantages of each service.

I would like to warn you in advance that these electronic documents are beneficial to use only for internal payments in the Russian Federation and neighboring countries. Make transactions with Europe, the USA and other countries through other services.

1) WebMoney

The oldest PS in Runet. It is noteworthy that it is used not only in the Russian Federation and neighboring countries, but also in some Western European countries.

WebMoney has several types of currencies:

• WMR – account in rubles;
• WMU – in hryvnias;
• WMZ – in dollars;
• WMB – in Belarusian rubles;
• WMX – in bitcoins.

There are even accounts in litecoins and gold. WebMoney bills are paid through the Keeper website or client, as well as through banks, exchange offices and other payment services.

The disadvantages are the same as those of other EPS: commissions, difficulties with transferring to cash. So, in Kazakhstan, in order to cash out WMR, you need to pay a commission to exchange offices from 10 to 30%.

Among the shortcomings that affected me personally are the complex and long process identification. To obtain personal certificate, there are many steps and procedures required. Not everyone has the desire or time for such manipulations.

Another point is the difficulty of transferring Keeper (the client for working in the system) to another computer and recovering the password if it is lost.

Many also remember the situation with vague sanctions by companies several years ago - withdrawal of money from any WM accounts for a long time was unavailable. I had to use complex circuits withdrawal from the account, with a loss of 5 to 10% of funds.

2) Yandex.Money

In the Russian Federation, this is perhaps the most popular platform for online transactions.

Three types of wallets are available to users:

• anonymous;
• nominal;
• identified.

They differ in the amounts that are allowed to be stored in the account, limits on payments and cash withdrawals.

When cashing out funds or transferring to a bank card, you will be charged a 3% commission.

3) Qiwi

Convenient and modern payment system with many terminals throughout Russia and wide possibilities. Your Qiwi account is linked to your phone number: to log in, you only need your number and password.

The service is convenient for those who are not particularly comfortable with the Internet, but use a telephone and terminals.

In addition to the above, I would like to draw your attention to PayPal system– if you pay for purchases in foreign online stores or auction sites (for example, on AliExpress or EBay), then this service is ideal.

Service comparison table:

4. How and where you can buy electronic money

The easiest way to buy electronic money is where it is most often used, namely on the Internet. To purchase virtual money, you need to register on the website of the system of your choice and create a virtual wallet.

There are several replenishment options:

1. From a bank card.
2. In cash - through banks, salons of partner companies (for YandexMoney and Qiwi these are: Euroset, Svyaznoy, Megafon).
3. From a mobile phone account.
4. Through ATMs.
5. From wallets of other payment systems.
6. Through translation services – Unistream, Contact.
7. Through Russian Post and Rostelecom.

Find out how to purchase ED on the websites of payment companies and from telephone consultants.

Personally, I rarely use such an option as “Replenishment” for the reason that it is more relevant for me inverse function- "Conclusion". But my friends assure that the most popular replenishment option is payment terminals. Transferring from a card is faster, but for this the system charges a commission of around 0.8-1%.

5. Features of cashing out

The main feature in this matter is obvious: 100 virtual rubles are not 100 real ones. That is, WMR is not the equivalent of RUR. This is a couple or three percent less. Various systems take different commission, and a lot depends on the method of cashing out.

Not all types of wallets and certificates provide cash withdrawal. For example, in WebMoney, cash withdrawal is available only to authenticated users. And the process itself is not available in all cities of the Russian Federation, but only in those where there is a WebMoney office.

It is much easier to withdraw money to a bank card and then cash it out at an ATM. Or get an EPS card and also cash it out at an ATM. It's quick and easy, but you'll lose a certain amount– this is how payment companies make money.

I rarely withdraw cash from my YandexMoney card, but as an experiment I did it at the nearest Sberbank ATM. I lost 3% from 1000 rubles, but now I can say with confidence that the withdrawal works.

It is much more expedient to use this card to pay for goods directly, by bank transfer. In this case, no interest is charged - neither in supermarkets nor in online stores.

As for the lowest commission for cashing out, users' opinions are divided. Some believe that WebMoney is more profitable, others believe that, taking into account all the extra charges, this system removes more than Poison.

I have practiced both output schemes. At the time of writing, the Yandex service is more convenient and slightly cheaper in this regard.

Watch a video on comparing virtual wallets:

6. Conclusion

What types of electronic payment systems are there for depositing and withdrawing money from the Internet - an overview of the most popular systems in Russia

Electronic money – usual means for purchases, they only pay on the Internet. This is similar to a bank card; many operations are carried out identically: payment for goods in any country, payment for services, and even exchange for real money in the desired currency. There are also differences that should be taken into account when registering a virtual wallet.

What is “electronic money”?

Many Internet users are already actively handling virtual money, and electronic systems specialists are trying their best to overtake competitors in the provision of services. Electronic money is a term that is used in several meanings:

1. Systems for storage and transfer of national and private currencies.
2. Monetary obligations of the responsible person, which are stored on electronic media.
3. Instrument of payment.

Virtual wallets are indispensable for freelancers who... Such wallets are handled by EPS - electronic payment systems, performing the functions of virtual banks. There are several of them, some even interact, allowing users to transfer amounts from one wallet to another. Plastic cards are also being created and terminals accept them. Electronic money is assigned to banks, which help to cash out funds in real currency. You can do this in two ways:

1. Via mobile.
2. Through Internet banking.

Electronic money - pros and cons

New electronic money has its advantages and disadvantages, so it has not yet received too wide use. But given that their systems are constantly improving, it is possible that their popularity will increase over time. Disadvantages of electronic money:

1. Legal regulation. Virtual currency is not accepted in many countries; it is not possible to make a large purchase with it.
2. Turnover. Enjoy virtual currency not all, cashing it out is more difficult.
3. Technology Addiction. If you remain without electricity or the Internet, access to money will be closed.

Advantages of electronic money:

1. Speed. Payment is made instantly, you can transfer any amount to any country.
2. Automation. All transfers are taken into account, operations are carried out by a computer.
3. Safety. This money cannot be damaged or counterfeited, it cannot be lost or stolen. All operations are reliably protected by the system.
4. Protection. Hacking electronic money or a wallet is very difficult. Funds can be stolen if the user uses fraudulent schemes.

Advantages of electronic money

Although the payment scheme via the Internet is similar to non-cash payments, virtual money is still closer to cash: its circulation is personalized, the details of the parties are known. The properties of electronic money give it a number of advantages:

1. The payment is processed with perfect accuracy.
2. Modest issue price: no paper or paint is needed to create virtual money.
3. There is no need to count the money manually; the payment instrument does this.
4. No security is required when storing large amounts.
5. The payment is recorded by the systems.
6. The amounts in the wallet are stored very long term, you do not need to pay interest for the service.

Disadvantages of electronic money

Using electronic money also has its disadvantages. One of the most noticeable is complete dependence on the computer on which the startup files are installed. If your PC is out of order, you will not be able to access your wallet. There are other disadvantages:

1. Internet connection for transactions. Not everyone and not always have the opportunity to access the Internet, so in some cases access to funds is limited.
2. You cannot directly transfer money from one payer to another.
3. Facilities cryptographic protection They have not yet been sufficiently tested and tested; it is still unknown how they will behave with the mass use of electronic money.

Electronic money - types

Varieties of electronic money include RUpay, Stormpay, Moneybookers, Liqpay, “Unified Wallet”, “Money Mail” systems, but they are rarely used. The main thing is to decide why you need it virtual wallet so that there are no disappointments and problems later. All systems cope with purchasing and paying for goods online within Russia, but WebMoney is the best for foreign payments. Wallets are different:

1. Replenishment method: ATM, mobile, cards.
2. Commission for the movement of funds.
3. Monetary units.
4. The level of security of user data and transfers.
5. Popularity of the service.

Which electronic money is better? The most popular systems payments to date:

• WebMoney, accepted in all online stores, a very practical service;
• Yandex-Money, accepts only rubles, simple interface;
• Qiwi is not particularly popular in online stores, but it is easy to pay for utilities through the terminal.

Electronic money WebMoney

Electronic money systems have their own rules of use that should be taken into account. One of the first to appear was WebMoney Transfer, which holds a leading position in the ranking. It is used by hundreds of thousands of Russian-speaking users, but not everyone knows that in some countries it is prohibited to pay with such money. Other features:

1. The system operates in four monetary units: dollar, hryvnia, Belarusian and Russian ruble.
2. Any operations are carried out: from making payments to accepting them.
3. You can top up your wallet at Sberbank, through cards and exchange offices.
4. To confirm your identity, a scan of your passport is enough.
5. Good defense.
6. Withdrawing money is only allowed to a verified bank account.
7. There are no commissions for transfers within the state.

Electronic money Yandex

The second system popular on the Internet is, it was launched 15 years ago specifically for Russians, so it focuses only on domestic currency. You cannot transfer money to another one. How to use the Yandex-Money e-wallet:

1. Create Mailbox in Yandex, open the “Money” tab and click the “Open wallet” button. Link it to your cell phone number.
2. The account is replenished through terminals, ATMs and bank branches, and funds are withdrawn to a Yandex-Money card or a card from the proposed list of banks.
3. The commission for many actions is not charged.
4. Buyers can easily pay for goods or services immediately on the website.

Electronic money Qiwi

Electronic virtual money Qiwi is more in use within the CIS, but online stores are reluctant to use this system. Many operations are carried out via terminals. Adding to the positive:

1. The wallet is linked to your cell phone number.
2. You can deposit money through your mobile phone, ATM and terminal.
3. There are four currencies in use: rubles, dollars, euros and Kazakhstani tenge.
4. Payment is made through a terminal or card.
5. The commission is within 2% for all transactions.

Electronic money Paypal

By European standards, the best electronic money is PayPal from global trading eBay, which is accepted in 203 countries. Recently the system added support for new currencies. Unlike other services, PayPal works with real money; the card or account is linked to the user's account. This system appeared in Russia in 2003, but Russians were able to receive and withdraw funds only four years ago. Therefore, it is not particularly popular among compatriots; customers offer such a wallet to freelancers extremely rarely.

Among the beneficial aspects of PayPal, experts name:

1. Many types of operations.
2. Working with money using the mobile version.
3. Sending invoices for payment by mail.
4. Withdrawal of funds every day.

Electronic money Easypay

Recently appeared the new kind electronic money - Easypay, this is a virtual monetary unit of Belarus, payments are made in local rubles. Created as an alternative to WebMoney. A reliable security system, there are no analogues - one-time control codes. There are other advantages:

1. Transfers are made via the Internet and mobile phone.
2. You can easily add money to your account at the cash desk or post office.
3. Commission within the country is 2%, for withdrawal of money – 1.5%.

For some actions the fee is not charged:

• shopping in online stores in Belarus;
• replenishment of mobile phones;
• payment for Internet services;
• communal payments;
• charity;
• cinema and theater tickets.

Electronic money Bitcoin

The new electronic money Bitcoin is called an innovative breakthrough in Internet business networks, a kind of virtual analogue of communism. The authorship is attributed to Satoshi Nikamoto, bitcoins are stored in special wallets, you can deposit and withdraw money. An amazing increase in cost and universal popularity, despite the fact that this system does not have an owner or even an administrator, it is impossible to influence transfers from the outside. There is no commission either, only payment to miners for supporting transactions.

Bitcoin is a special electronic money; it is characterized by:

1. Independence. The system is completely independent.
2. Limitation in Bitcoin stocks.
3. Complete anonymity. The owner cannot be determined by wallet numbers.
4. No intermediaries. You don’t need a bank to transfer units, but the downside is that you won’t be able to cancel the payment.
5. Illegality. Many governments call them illegal.
6. Instability course.

How to earn electronic money?

How to earn electronic money on the Internet - this question is asked daily by thousands of online users. It is quite possible to find an activity that will generate income online, but this is not a very large sum. There is trading on the stock exchange, but for this you need to have knowledge and start-up capital. There are niches with more modest profits than from financial transactions.

If we put aside the mass of fraudulent schemes, the following types of income actually generate income:

1. Own sites.
2. Postal services.
3. Sale of texts.
4. Referral networks in commercial projects.
5. Partnership programs.
6. Online stores.
7. Earning money from online games.
8. Providing various services.

I think that the materials in this section about electronic wallets, electronic money and electronic payment systems are of interest to those who come to the Internet to make money.

Accordingly, on the Internet you and I earn electronic (virtual) money, and then, if necessary, we turn it into real money.

And answer the question “Why do we need an electronic wallet and electronic money” can be done quite simply by simply listing great amount goods and services that can be purchased with electronic money.

But the point is not even about specific things that can be bought with electronic money, but about whether you sufficiently understand the importance of electronic money in general.

Either you are learning to master electronic money today, and tomorrow you already own this mechanism, or you quickly and hopelessly lose all the levers of managing your Internet business and miss all the opportunities to direct your work with money to your benefit.

Electronic money is a business and modern approach.

Whatever you do in e-commerce, it could be creating websites, providing some services, for example, setting up a blog, it could be an online business, conducting webinars, coaching, online stores, etc., without electronic wallets and electronic money nowhere.

What is electronic money?

Electronic money- this is the same money that is on your bank card or in your wallet.

Electronic money- you can easily transfer from electronic wallets to a bank card and, of course, cash out and, conversely, you can transfer from a bank card to your electronic wallet account.

Electronic money– it’s the same money, but it’s much easier to manipulate.

And finally, electronic money– this is just a tool that saves time and which provides more opportunities for developing your business on the Internet, and not only on the Internet

Of course, no one will cancel regular money anytime soon. But electronic money is becoming more and more an everyday reality for us every day.

Billions of dollars worth of purchases and exchange transactions are made every day and the inability to use and manage electronic money means missing out on the huge advantage and enormous opportunities that they bring with them.

Until recently, a plastic bank card was something unusual for many people, but now many commercial resources The Internet provides the opportunity to pay for purchases using electronic money.

Today, many companies, even in real life, also began the practice of paying with electronic money. There are many online and offline services that provide opportunities to exchange various electronic money at favorable rates.

Just yesterday, if anyone even heard about the existence of electronic money, they were clearly afraid of them. Well, young people grasp everything on the fly and they, of course, immediately picked up convenient way payment for purchases and services with electronic money.

And at the same time, many mature adults, perhaps out of necessity, even through force, begin to master the computer from the very beginning level. Why?

Yes, because today, if you don’t follow profitable opportunities modern technologies, which, in particular, include electronic money, then tomorrow you will completely fall out of the flow of life.

Let's look at the 7 main reasons why we need electronic money

Electronic money is speed

Payment by electronic money occurs almost instantly. You have logged in to the payment system, clicked the pay button in your e-wallet, entered a password or security code and that’s it... the electronic money transfer has been completed.

Immediacy and speed in modern world play a big role. You can't argue with that. For example, you want to buy some kind of training course, and there is a digital version of it. If you pay electronically, you immediately get access to it.

Agree that this is very convenient.

The next reason for the need to have electronic money is accessibility.

Electronic money is accessibility

Electronic monetary system your e-wallet works 24 hours a day and 7 days a week. You can pay and transfer electronic money at any time of the day or night.

It is also important that you can access your e-wallet wherever there is Internet access - whether you are at home or visiting, in a cafe or at work, anywhere. If you have a laptop or mobile phone with you that has Internet access, then there will be no problems with paying with electronic money at all.

That is, you can manage your electronic money from anywhere in the world.

The next reason for the need to have electronic money is a large selection.

Electronic money is a great choice

Today there are simply a huge number of electronic payment systems. The absolute leaders in RuNet are three payment systems:

• WebMoney,
• RBK Money and
• Yandex money.

But in fact, there is a really wide choice of electronic payment systems. For example, here are only those payment systems that are officially registered with the Central Bank of the Russian Federation as an operator for the transfer of electronic money, i.e. legitimate:

• Moneta.Ru,
• RBK Money,
• Yandex money
• Money @ Mail.Ru,
• Single wallet
• Delta Cay,
• TelePay,
• PayPal
• PayU
• Money, etc.

WebMoney still does not have such a status, and QIWI is not a payment non-profit organization (since it is a bank), so it dropped out of this list.

And every day there are more and more electronic payment systems. Each electronic payment system, of course, has its advantages and disadvantages. You just need to decide which electronic payment system to work with and what is beneficial and convenient for you and your clients.

The next reason for the need to have electronic money is savings.

Electronic money is savings

That is, by using electronic money in your online business, you save not only your time but also money. This is due to the fact that there is no commission for maintaining an electronic wallet, for example.

The commission for paying for goods and services, as well as for transfers between electronic payment systems and for withdrawing electronic money, is quite small. Try making a transfer of regular non-electronic money, for example, if you live in Russia, and your client or partner lives in another country. It will be both difficult and expensive.

With the help of electronic money, you will make this transfer not only instantly, but also for minimal commissions. That is, a clear saving of both time and your money.

The next reason for the need to have electronic money is security.

Electronic money is security

Electronic money has such a degree of security that it cannot be counterfeited even theoretically, since it is digital money. You can't touch them, you can't put them in your pocket.

Each electronic payment system has its own security system that guarantees the safety of your electronic money. You will, of course, have to take care of the security of your electronic wallets by simply going through some of the security procedures that the electronic payment systems themselves offer.

In some electronic payment systems, this may involve linking your wallet by IP address; in others, any transactions with electronic money can only be performed using CMS confirmations on your mobile phone. It varies in different electronic payment systems. And all you have to do is take advantage of the security measures built into electronic payment systems.

The next reason for the need to have electronic money is convertibility.

Electronic money is convertibility

That is, you can easily convert one electronic money currency into another. Again, saving on commissions.

Let's take WebMoney, for example. You can create different electronic wallets in your WebMoney electronic payment system with different currencies, which are easy to convert between each other.

Let's say you need dollars to pay for some service or product, but you only have rubles. You can instantly exchange currencies using the WebMoney electronic payment system, or use any electronic money exchanger.

At the same time, the commission for conversion will be only about 0.8% - this is the commission of the electronic payment service itself. Webmoney systems. But try to instantly and profitably exchange currency at any bank... I doubt that you will succeed as quickly and as economically.

AND last reason the need to have electronic money is popular.

Electronic money is popular

It is very rare today to find a store on the Internet that does not accept electronic money for payment.

It is also worth noting that software to open an electronic wallet – completely free. In addition, it is adapted for a wide range of people with different levels of training. They are very clear and you can even understand them intuitively.

All you need to open an e-wallet is Internet access and some free time.

So, I hope I have convinced you that:

You must have an electronic wallet and electronic money if you do not already have them, and

that electronic money is a very fast, very profitable and safe way of making payments both on the Internet and in everyday life.