Good day everyone!
The Internet is more and more embedded in our lives. Now you can quickly transfer money to relatives or friends, and buy some things, and pay for insurance, receipts - and all this without leaving your home!
All these operations with money cannot be carried out without payment systems ... Now, of course, many online stores allow you to pay by card, but not all stores can do with plastic alone. I'm not talking about transfers, the same interbank payment can take up to 5 days, and a transfer to, say, QIWI - up to 5 minutes! The difference is on the face 👌 ...
In this article, I want to focus on the most necessary payment systems that are used on the Internet (where it is relatively safe to store and manage money). By the way, many of them allow you to save money. fees for transfers within their system are cheaper than in many Internet banks ...
Note: I highly recommend that you indicate your correct passport data when registering in payment systems (check everything 2-3 times).
One mistake for 1-2 letters - and you may find problems with blocking or freezing the account until clarification. In addition, unconfirmed wallets have certain limits on the use of funds.
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List of payment systems
QIWI wallet
Website: //qiwi.com/
👉 To help! Detailed instructions for working with qiwi wallet
QIWI wallet is one of the easiest and most convenient ways to pay for purchases and make transfers on the Internet. All you need to get started is only a mobile phone (when registering, QIWI rigidly binds a mobile number (for security purposes)).
The service allows you to pay utility bills, make purchases, make instant money transfers, and all this with a very low commission (of course, relative to other services).
QIWI also has a fairly wide network of payment terminals, there is a mobile application, various Internet resources, which together make the use of this payment system simple and convenient.
Main advantages:
- works in many countries of the World (more than 20 at the time of this writing);
- transactions and transfers are carried out almost instantly (commissions are minimal or absent);
- there are very "tasty" offers for cashback (this is the return of a certain percentage of the cost of purchases (for example, you bought a product for 1000 rubles - 100 rubles returned to your wallet). For some offers of online stores, cashback reaches 10-15 %!);
- tight integration with other Internet wallets, operator's mobile account;
- easy replenishment of the wallet (and in many cases no commission) from Internet banks, cards, and other payments;
- there is no Internet connection, then you can even send a transfer using an SMS message;
- the interface is friendly and allows you to complete your task in an easy step-by-step version (transfer, replenishment, withdrawal, etc. tasks);
- before making a transfer, QIWI will warn you about all fees;
- you can order a plastic or virtual card (and pay with it like a regular bank card).
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Yandex money
Website: //money.yandex.ru/
👉 To help! How to use Yandex money - detailed instructions
A very popular payment system on the Internet in our country. It is distinguished primarily by its simple registration and use. In addition, the popularity is also promoted by the fact that the system is supported by one of the most popular search engines Yandex.
Payment for the order: please note that Yandex gives any guarantee that your purchase will be delivered to you (otherwise you can dispute it and get your funds back)
Main advantages:
- low percentages for transfers (0% in the mobile application!);
- accepted in almost any online store;
- very popular in our country - many users have their own account, which means there will be no problems with transferring money;
- protects your real bank card on the network, because when buying through Yandex money - the card does not shine anywhere;
- if the online store (where you bought the product) does not bring your purchase to you (or delivers something wrong), you can dispute the purchase within 90 days and return your funds;
- convenient tools for creating a button (form) for collecting money: you can hang it on your VK page, on your website, etc. - and anyone who wants to can, in 1-2 clicks on your button, transfer money to your account from your card or Yandex-money account;
- you can order a real plastic card: it is accepted in stores, it can pay for purchases on the Internet, withdraw cash from ATMs, and you can even get a salary on it (service and commissions are less than in many banks);
- dozens of ways to replenish the wallet: among which there are no commission;
- easy and quick payment for the most popular tasks: utilities, mobile phones, Internet, etc. On the Yandex-money website (and in the application) - everything is, so to speak, at hand, and is done in 1-2 clicks;
- for purchases with a plastic card, points are awarded (a kind of cashback), which can be spent on the next purchases.
Saved 435 rubles
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WebMoney
Website: //www.webmoney.ru/
One of the oldest, most popular and multifunctional payment systems on the Internet (it appeared in 1998, even many banks have gone into oblivion during this past difficult time, and WebMoney lives and develops). Has a number of unique services for the purpose, because say, the flagship of Internet computing 👌.
Main advantages:
- accepted in most online stores (most widespread);
- works in many countries of the World (widespread in the CIS);
- wallets can be in different currencies: Russian rubles, Belarusian, hryvnia, dollars, and even bitcoins! You can convert currencies from one to another using your own exchange (minimum percentage);
- one of the highest levels of security (there is no such thing anywhere else!): special. application for PCs and smartphones, key file, password for access to the application and key file, work with ENUM. Also, WebMoney provides passports and BL (a kind of rating of honesty and respect) for each of the participants. This also promotes honest and open work;
- a huge number of opportunities for replenishment and withdrawal of funds on the account: bank cards, accounts, other payment systems, money transfers, etc.
- instant transfers within the system;
- the ability to transfer money with a protection code (until the code is entered, the money will not be credited to the recipient's account. It is convenient when you want to insure yourself, but suddenly you sent it to the wrong person, or he has not yet performed the service for you);
- the possibility of organizing payment acceptance;
- the ability to conduct transactions (protected!);
- easy and quick payment for communal services, cable TV, Internet, mobile phone and much more (all in one article cannot be described - this is a very multifunctional payment system with constantly updated capabilities!).
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PayPal
Website: //www.paypal.com/
👉 To help! How to use PayPal: all operations are examples - see the instructions
One of the most popular payment systems in the World, more than 200 million registered people at the time of publication of the article! Payment, of course, is not yet so widespread in Russia (it came to us not so long ago), but abroad it is used in the overwhelming majority of online stores and services.
One of the main advantages of the system is the simplicity of translation, it is enough to know only the participant's e-mail, and you will be able to send him money! Moreover, PayPal guarantees the safety of your funds, and gives a certain time (up to 180 days) to challenge the transaction (for example, you ordered something on the Internet, but you were deceived and the goods were not provided - PayPal will refund your money!).
Main advantages:
- the most widespread in the World - if you want to receive money transfers from abroad, there is nothing easier than with PayPal (just the same QIWI there hardly anyone knows);
- high level of security;
- the possibility of challenging the transaction (refund);
- there is a mobile application (and, by the way, very convenient!);
- instant transfer of funds from account to account;
- protection of your bank card on the Internet - when paying it is nowhere to be seen (the card is tied to your PayPal account and upon purchase, the money from the card goes through this payment system. That is, no online store will recognize your personal data from the card).
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Rapida
Website: //rapida.ru/
Rapida is a popular Russian payment system designed mainly to pay for various services: utilities, telephone communications, Internet access, loans, etc.
It should be noted that the popularity of the system is somewhat lower than that of WebMoney or Yandex-money (apparently due to the fact that the initial system was aimed at working with large companies: utilities, banks, search engines, etc.), but more recently time Rapida wins back part of the market ...
You can replenish your wallet in Rapida using terminals, banks, plastic cards, operators such as Euroset, Svyaznoy, Technosila.
Key Features:
- payment of loans, regardless of the working hours of your bank - Rapida will transfer everything urgently at any time of the day;
- ample opportunities for work: you can pay for utilities, traffic fines, Internet services, make transfers, top up your phone account, buy a ticket or a ticket, order a prepaid card and much more in a couple of mouse clicks!
- minimum commissions for withdrawal to other payment systems and bank plastic cards;
- for Megafon and Beeline subscribers it is possible to make a payment directly from a mobile, specifying the transaction code and the amount;
- detailed statistics on your payment is always available on the service website (money will not get stuck and will not be lost during the transfer).
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W1 (wallet one)
Website: //www.walletone.com/ru/wallet/
"W1" aka "Wallet One" (or "Wallet One") is an electronic payment system designed to unite all Internet payments in a single wallet.
The wallet works with many countries, including: Russia, Ukraine, Belarus, Kazakhstan, Tajikistan, etc. It is distinguished by its close integration with mobile phones (in the same Viber, you can now view the account balance and manage it), and low commissions for transfer and replenishment accounts.
Main advantages:
- payment for mobile services, housing and communal services, cable TV and other popular tasks;
- payment of loans 24h. per day;
- transfers within the system in minutes!
- purchases in online stores;
- transfer of funds to other payment systems: WebMoney, Yandex-money, etc .;
- it is possible to exchange messages between users of W1 wallets;
- tight integration with mobile (tight integration with Viber).
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[email protected]
Website: //money.mail.ru/
A fairly convenient service for transferring money from card to card and between users registered in this payment system. To transfer money from one to another, you only need to know the e-mail address. Agree, it's convenient ?!
In general, the service is not so popular yet, but over time it should gain momentum due to the large audience of Mail.ru.
Main advantages:
- money on the wallet in the system - stored in Raiffeisenbank (which gives greater reliability);
- it is unnecessary to install any additional programs;
- the ability to quickly and with a minimum commission transfer money from card to card;
- your bank card is easily and quickly linked to the account, and then you can not show it when making online payments;
- many ways to fund your account: QIWI, ATMs, bank transfers, using cards, etc.
- high security of the wallet and transfers (to transfer money, you need to enter a payment password). After termination of work with the service, after 15 minutes. access to the wallet is automatically closed.
Perhaps one of the downsides is that the system can only work with rubles. Also, a rather low prevalence in Russia (and its complete absence abroad).
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Perfect money
Website: //perfectmoney.is/
Perfect Money is a solid service that will allow you to instantly make payments on the Internet. Only PayPal is second in popularity in the World. In our country, so far the payment system is not so widespread, but it is already slowly entering the market ...
And, by the way, it has quite a lot of interesting features: for example, the accrual of interest on the account balance, the purchase of bitcoins, gold and other currencies online!
Key Features:
- the fastest possible settlements between users around the World!
- pay for goods in many online stores;
- the ability to purchase gold, bitcoin, dollars, euros online;
- careful storage of funds (security at a very high level);
- monthly accrual of interest on the account balance;
- the ability to create auto payments for specific amounts and posting dates;
- the service does not participate in various investment programs (which protects it from the risks to which many banks and other financial structures are exposed). The funds are also guaranteed by multi-currency and multi-level user accounts;
- the absence of an account in rubles (although it may not be so scary, after all, dollars and euros are the most stable currencies, and upon payment, the currency will be automatically converted at the current rate (i.e., it will not interfere with the transaction)).
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Skrill (or Moneybookers)
Website: //www.skrill.com/ru/
Skrill (until 2011 it was called "Moneybookers") is a fairly popular payment system on the Internet with an international status (it is more widespread abroad, in our country it closes the top ten popular Internet payments). It appeared in 2001. In Great Britain.
Skrill operates in 200 countries of the World, allows you to receive / send 40 different currencies (in my opinion, few systems can boast of such a variety).
I would also note one interesting feature: Skrill does not "like" anonymous payments, all your recipients of funds will see your first and last name, i.e. from whom the money came to them (on the one hand, this increases the trust and reliability of the service, on the other hand, I would not always want to open up so much ...).
Key Features:
- work with 40 currencies of different countries;
- instant transfers around the world;
- works in 200 countries (i.e. all over the world);
- the site supports 12 languages (including Russian);
- a lot of different bonuses and promotions;
- lightweight and convenient web interface;
- a good level of security (the service does not work with anonymous users. To start working with the service, you must provide your personal data, and you must be at least 18 years old).
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Advanced Cash
Website: //advcash.com/
Motto: money + internet = simple
Advanced Cash is a very convenient payment system for fast money transfers to any country of the World (more than 200 countries are supported!). Moreover, the transfer within the system is carried out instantly.
The payment system cooperates with many large exchangers (there is no particular problem with the withdrawal / withdrawal of funds), makes it possible to perform SWIFT / WIRE transfers, make massive payments to bank cards, e-wallets, etc.
Key Features:
- the company is registered in the state of Belize (i.e. offshore for us). However, it is legal, reliable, legally transparent, simply obeying the laws of another country;
- very high transfer speed (literally a few seconds after the transaction is confirmed);
- very high security of your personal funds (assessed at the banking level PCI DSS Level 3);
- an electronic wallet allows you to send and receive money in several currencies: rubles, dollars, euros and pounds (within the system, you can exchange one currency for another (the rate, however, is not always very profitable ✌));
- it is possible to order a dollar plastic card (MasterCard);
- fairly prompt (and friendly) support from 11.00 to 22.00 Moscow time;
- support by most exchangers for quick withdrawal or exchange for any other currency;
- support by many services, low commissions for input / output (it is possible to replenish the account from a regular bank card).
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Payeer
Website: //payeer.com/ru/
International payment system, which has recently been widely popular on the Internet. One of the main advantages of the system is "relative" anonymity (for work, it is enough to specify an e-mail) and fast enough work: fast replenishment, input / output, transfers within the system are almost instantaneous (like the previous payment system).
Key features (pros / cons):
- relative anonymity: you can start working by simply entering your e-mail (however, there will be restrictions on certain types of operations);
- instant transfers anywhere in the world!
- it is possible to transfer funds, knowing only the person's phone number or e-mail. After the transfer (if he is not registered in the system) - he will receive an SMS or a letter with instructions on how to pick up his transfer;
- convenient and intuitive service (even a novice user will quickly figure out where to click to send or receive a transfer);
- there is a built-in exchanger (for exchanging rubles, say, for dollars) and an exchange;
- cooperates with a large number of shops, exchangers, services on the Internet;
- more than 150 ways to deposit or withdraw funds! In my opinion, this is not found anywhere else;
- there is a function for exchanging Bitcoin (it is convenient for those who want to join the money of the future!);
- of the minuses: fairly high commissions (especially for a certain number of operations).
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Capitalist
Website: //capitalist.net/
A fairly large international payment system founded in 2014. Registration is in the Virgin Islands.
It differs from the others in a very simple interface and the ability to send funds from an account to other payment systems with two clicks of the mouse (moreover, this can be done en masse!).
I would also note maintaining an account in 3 currencies at once: rubles, euros, dollars (of course, you can easily change funds from one currency to another).
Main advantages:
- transfers within the system are almost instantaneous;
- there is a possibility of issuing a plastic card (in Russia there may be certain difficulties *);
- thoughtful and very simple interface;
- the ability to work with cryptocurrencies (Bitcoin, in particular);
- the ability to make massive payments (immediately to 15 other payment systems, in which you will not need to register!);
- you can receive bank transfers from all over the world to your account.
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Of course, there are much more payment systems on the Internet (the same LiqPay, E-port, RBK Money, Z-paymant, MoneyMail and many others). But most of them are not widespread in our country (and some of them are specialized services that are aimed at working with various companies, not individuals, and for organizing online cash registers for accepting payments in online stores).
By the way, I would advise you to register immediately in a couple of payment systems and use them from time to time (getting discounts, cashback, etc. favorable conditions). For a year of such savings, a decent amount can accumulate 👌.
That's all for now.
Add-ons always come in handy!
Good luck!
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First published: 12/30/2017
Correction: 02/10/2020
