The best internet wallets. Which electronic wallet is better to have in Russia: reviews

Hello, dear readers of the site. Today we will deal with the question - which electronic wallet is better to choose for storing and withdrawing money.

With the development of the global network, a new sphere in the economy has emerged. This area is called e-commerce. It includes financial transactions made using the Internet.

Electronic payment systems are an indispensable attribute for the work of a person in the network. Freelancers, Internet entrepreneurs and even ordinary users use e-wallets to transfer, store and withdraw money to a bank card.

Online wallet convenient to use. After all, it is much easier to pay for purchases and orders on the Internet with an electronic wallet, and not with a card. In addition, some projects for online earnings do not transfer money to the card. In such cases, funds can only be withdrawn using an electronic payment system.

There are many such systems on the web. And it can be difficult to decide which e-wallet is better to choose.

In the article we will analyze some of the most famous payment systems. Consider their features, the size of the commission fee and other characteristics. Through comparison and analysis, we will identify the pros and cons.

Rating of electronic wallets in 2020

Wallet #1.

Is an the most famous payment system on the territory of the Russian Federation and the CIS countries. Founded in 1998. According to some reports, almost 35% of Runet users use .

The system has international status. WebMoney allows you to carry out financial transactions with various currencies: rubles, dollars, hryvnias, bitcoins, etc.

For each currency on the service, you need to create a wallet. For example, for rubles - this is a wallet WMP, for dollars - WMZ.

The registration process for the service is not complicated. After its completion, automatically issued alias passport . Such a certificate limits the possibilities for transactions. The user is only allowed to transfer funds from one wallet to another within the system.

To be able to withdraw money from wallets to a bank card, you need to issue formal certificate . The registration procedure consists in confirming your identity by uploading a scan of your passport to the WebMoney website.

Peculiarities:

• for transferring money to another user to his WebMoney wallet, a fee of 0.8% is charged;
• the commission for transferring money to a bank card is 2.5% plus 40 rubles;
• for confirmation of a transaction by SMS, a fee of 1.5 rubles (free of charge through the E-NUM application);
• high user safety.

Wallet #2.

is an electronic payment service from the Yandex holding. Founded in 2002. As a result of the research, it was revealed that about 40% of Runet users use Yandex.Money to make financial transactions at least once a year.

Yandex.Money payment system, unlike WebMoney does not work with foreign currencies. Transactions are carried out only in rubles.

To register on the service, it is enough to have an email from Yandex. New members are automatically assigned anonymous identifier . It allows you to move funds within the system, pay for purchases (no more than 15,000 rubles at a time) in online stores and other services.

personal identifier issued to participants who have confirmed their identity on the passport. It removes the restriction on the transfer of funds to the card and on the amount intended for online purchases.

To open absolutely all the opportunities that the Yandex.Money service provides, you need to get identified status . You can go through identification online using the "Mobile Bank" option, provided that you have a Sberbank card. Or offline in Euroset and Svyaznoy stores upon presentation of a passport.

Peculiarities:

• commission for transactions within the system: 0.5%;
• for a transfer to a bank card, the service takes 3% plus a fixed 45 rubles;
• when withdrawing money from an ATM from a Yandex.Money card, the commission is 3% plus 15 rubles;
• bonus cashback.

For Russian citizens, the Yandex.Money payment system is one of the best. It is simple and convenient to use.

Wallet #3. Qiwi

Qiwi is a Russian payment system. Founded in 2007. Inferior in popularity to two other domestic payment grants WebMoney and Yandex.Money.

The main difference between Qiwi and other electronic payment services is that Qiwi wallet linked to mobile phone number. In addition, system participants do not need to confirm their identity by obtaining certificates and statuses.

The service works with the following currencies: rubles, dollars, euros, tenge. It is possible to order a special Qiwi card. It is useful for paying for purchases in everyday life.

Peculiarities:

• commission for withdrawing funds to the card: 2% plus 50 rubles;
• withdrawal up to 500,000 rubles;
• bonus cashback.

Wallet #4.

Is an the largest payment system in the world.

PayPal was developed in America in 1998.

This electronic payment system is more suitable for foreign citizens.

For a Russian person, it is still a curiosity. Not many of our compatriots use a PayPal wallet.

To make transfers from a PayPal wallet to a bank card, you must link your bank account to it. This can be done in your personal account on the company's website. The transfer of funds occurs within a few days.

Peculiarities:

• high level of security;
• when paying for purchases in online stores, no commission is charged;
• internal transfers are not subject to commission;
• transactions within one country are carried out without commission.

PayPal wallet is useful for those users who make international transfers, order goods in foreign online stores.

Wallet #5.

Relatively young service of electronic payments. The system was launched in 2012. Payeer is an international system, transfers to almost anywhere in the world (more than 200 countries).

Payer allows you to make transactions without identification.

This option was especially liked by the owners of online investment pyramids disguised as economic games and financial projects.

In HYIPs, as you know, it is not the participants who earn, but the creator of the pyramid himself. He cannot use the WebMoney wallet or Yandex. Money, as the identity of the fraudster will quickly be revealed. Therefore, he uses a Payeer wallet.

Peculiarities:

• for transfers within the system, the commission is 1%;
• for withdrawing money to a card, the fee is 4% plus 45 rubles.

Payeer is a wallet for those who make money on the Internet on various sites.

Purse number 6.

The system announced itself in the e-commerce market in 2007. The main office of the company is located in Austria. The company is legally registered in Panama.

The payment is used by the owners of financial pyramids and HYIP projects to receive money.

Perfect Money official website visually doesn't look good.

Developers should pay more attention to this point, since the design of the site in the style of zero scares off the lion's share of potential customers.

The Perfect Money e-wallet should be chosen among many others only when it is really necessary. After all, there are payment systems much more convenient and safer.

Wallet number 7.

Advcash is a young, but rapidly growing payment system. The project was especially liked by people who make money on the Internet. And this is no coincidence, because the service offers very favorable conditions.

One of them is that internal transfers take place absolutely for free. And this means that users can make financial transactions with money without commission using third-party exchangers.

AdvCash invites members to complete identity verification. But, this may not be done. Indeed, in anonymous mode, the limits are quite acceptable.

Conclusion

Let's sum up our conversation about payment systems. So, which e-wallet is better to choose? The answer to this question should be found by each of us independently, having analyzed the services of electronic payments.

Each payment system has its pros and cons.

For some users, a high level of reliability and security is important. Therefore, they choose time-tested electronic wallets from WebMoney. For others, anonymity is important and they use the Payeer e-wallet.

It's good to have variety and choice. The main payment systems I work with are WebMoney and Yandex.Money.

WebMoney is a classic. I appreciate the system for practicality, security, multi-currency. Yandex.Money is a service that is perfect for ruble transactions.

That's all. Share in the comments what wallets you use.

Online wallet is your virtual account for use on the Internet. That is, on the service of the payment system, you are provided with your account as in a bank. Only in the bank there is at least some kind of percentage, but here, as a rule, the percentage is removed from you for transfers, payment for services. Such accounts are intended for payment and receipt of money. The main advantage of electronic money is the instant payment for the services you need.

Let's look at what electronic money is for. With the help of virtual currency, you can pay for purchases in online stores, pay for Internet services provided by the provider, utility bills. People who want to make money on the Internet cannot do without an electronic account.

There are a lot of services that provide you with the opportunity to create your own wallet. All of them are basically similar to each other, but each has its own advantages and disadvantages over other payment systems. One payment system is beneficial when paying for services and goods on the Internet, the other has an advantage when withdrawing funds to your card, that is, a banal cashing out. If you are planning, then you will need more than one wallet.

Top 3 most popular electronic money systems in Russia

1) WebMoney- this is probably the most popular and proven system of electronic money in the Russian Federation, as well as in the CIS countries. It has existed for quite a long time. This project is the most common, for example, in almost any self-respecting online store there is a payment method via WebMoney.

Pros and cons of WebMoney:

Almost all exchanges for making money on the Internet provide the opportunity to withdraw earned money to WebMoney;

Another advantage is the ability to work with different currencies dollar, ruble, euro, hryvnia;

The ability to manage accounts using an application that is installed on a computer;

A huge number of ways to withdraw funds;

- The downside of WebMoney is that in recent times this system has been subject to frequent malfunctions and without causal blocking of user accounts;

— Commissions for various operations (transfers, withdrawals) are quite high.

2) QIWI wallet- This system is very popular and is gaining more and more popularity every year. Easy registration requiring you to enter your mobile phone number, password and wallet is ready. QIWI wallet is simple and easy to use. With this service, you can make payments very quickly.

Not long ago, the kiwi company began to provide its customers with good bonuses. For example, with the help of Qiwi, you can also use other popular stores. For those who do not know: cashback is a refund of money from your purchase. Refunds are made as a percentage of the order amount.

is a payment service from the well-known Internet company Yandex. In order to open an account, you will need to create mail and an account in Yandex. Registration is very simple. Simple and clear interface.

Of the minuses, one can single out only the fact that one currency is provided for use and this is the ruble. High commission for withdrawal.

Among foreign electronic money systems, Paypal can be distinguished. This service is the most common among foreign systems in Runet. Paypal is perfectly adapted to the Russian-speaking Internet user, which is its advantage over other foreign counterparts.

— the largest foreign payment system. Registration is not difficult, it requires an email address. The advantage and simplicity is that in fact there is no account number; it replaces your mail address. A Paypal account may be required if you are going to earn money in a foreign part of the Internet or make payments in foreign online stores.

Tips for all beginners

Get a virtual wallet in all of the above systems. After all, they do not ask to eat, but any of them may be needed. For beginners, to get acquainted with electronic wallets, it is better to start with QIWI, since this site is the easiest to use.

Useful articles

Hello everyone and good mood. Want to break into the world of e-commerce? Today we will walk you through the steps of how to create a WebMoney wallet. My instruction takes into account all the nuances and will teach you how to use virtual money.

WebMoney was formed in 1998. Now it is a huge electronic money settlement system with more than 30 million users in the CIS, most of which are from Russia, Ukraine and Belarus. Suitable for various purposes from doing business to making purchases via the Internet.

In a nutshell, I'll tell you about the scheme of work in the system.

Each user is assigned a unique number - WMID. It is used for all actions with the account.

There is a system of wallets, the main ones, of course, are ruble and dollar, but there are many other currencies. Abbreviation WMR for ruble, WMZ for dollars. Wallets consist of the letter R or Z and 12 numbers.

There are levels of access to system functions, they are called certificates. The first levels are free. The first level is a pseudonym, the second is formal, then the initial and then personal, in order to get it, you need to provide scans of passport data to a special person - the registrar.

Why you need an e-wallet

If you have come to the world of online earnings, you can't go anywhere without virtual money. It's like an online wallet. For any work, for example, for completing a task on, you will be paid with electronic money.

Therefore, first of all, create web wallets, now the most popular ones are WebMoney. After that, calmly look for a job and get a well-deserved reward.

It will also allow:

• Make online purchases in a few clicks. Let's say topping up your phone takes a few seconds.
• Withdraw money to a plastic card (subject to the availability of the required system certificate).

Register in WM

Registering and getting a wallet is very simple, you can do it even without a passport. To do this, go to the site webmoney.ru through your favorite browser. Click "Registration".

First, enter your valid phone number. I recommend entering the phone number that you regularly use, it will be problematic to change it.

Next, enter your personal information. Be careful when entering a security question, it will be very useful later. I advise you to uncheck the boxes offering to receive news, because there will be a lot of them. Then, if you want, you can put them in your personal profile settings. Of course, you agree to the processing of your personal data, without this you will not be able to move forward.

In the next step, you will be asked to check the data again. Next, enter the password that will be sent via SMS to the specified phone number.

Create a password to login. It is advisable not to use banal combinations of numbers. Enter the code shown in the picture to continue.

Registration completed. Check your email for a link to activate your account. Walk through it.

Receive a message that the email has been verified.

Creating a wallet

In your personal account, click on the "Finance" section.

Click the blue plus sign and select "Create Wallet".

We choose a currency. We get acquainted and accept the terms of the agreement, click "Create".

I created two main wallets - dollar and ruble. Look at the screenshot, you can give these numbers to customers in order to receive money earned on the Internet.

So far, you have a pseudonym passport, with which you can receive and send transfers within WM, replenish wallets through terminals in cash, make purchases in stores and pay utility bills. Unless a withdrawal to a plastic card is available (this requires an initial passport), but for now this is quite enough.

A little later I will tell you how to expand the functionality of WebMoney by obtaining the following certificates.

Now you can download the WebMoney Keeper application to your mobile device for the convenience of managing your personal account.

Conclusion

Congratulations. You have taken the first step towards making money online. Already today you can receive your first fee. Just give the customer your brand new WebMoney wallet number, complete the task with high quality and wait for the salary to be credited.

Ask your questions in the comments. All the best to you.

The question of which electronic wallet is better to start for withdrawing money to a card arises for everyone who is faced with cashing out. Endless commissions for replenishment and transfers eat up part of your hard-earned funds. But choosing a service on the principle of “where it is cheaper” is also not worth it. Consider popular sites according to three criteria:

• simplicity of the interface and accessibility;
• liquidity (the ability to instantly exchange for cash or some asset);
• security.

We do not disregard regional peculiarities. Each country has its own national systems. However, the times of the "cold curtain" are in the past. Therefore, from all the options, we choose only universal ones.

• QIWI Wallet– is distinguished by an abundance of payment terminals and ease of use;
• webmoney– the safest platform with a large selection of currencies;
• Yandex money- a plastic card is sent to any country, there is no commission for non-cash payments;
• AdvCash– provides profitable domestic transfers;
• Visa– ease of registration and compatibility with all terminals;
• payeer– popular all over the world for working without identity verification.

Of the six platforms common in the Russian Federation, Qiwi has the lowest fees and the most user-friendly interface. But WebMoney guarantees the best protection against fraud. The accounts of both payment systems are linked. This makes the tandem convenient and economical.

In Belarus, virtual services appeared relatively recently. Among them, the most popular are the following:

• webmoney– as in Russia, the site takes first place due to its multicurrency;
• Yandex money– a plastic card is active in almost all payment terminals;
• Belqi- works on the basis of QIWI, therefore all operations are similar;
• EasyPay is one of the first services.

Yandex Money proved to be the most convenient. You can pay with an internal card in any store with a terminal. Cash withdrawals are also available, but the fees leave much to be desired. Easy Pay is convenient when paying through the "Settlement" system. With WebMoney, it is easy to pay by ERIP and withdraw funds to a bank account (although the commission sometimes reaches 8%). An indisputable advantage is multicurrency.

Now the country has a ban on the work of some Russian services. Therefore, they can only be used to bypass blocking, which is not entirely legal.

• webmoney– the best choice for freelancers;
• PayPal– used to pay for purchases abroad;
• UkrMoney– cooperates with PrivatBank, supports different currencies;
• Liqpay– convenient payment acceptance, cooperates with most large companies in Ukraine, Europe and America;
• iPay.ua - instantly transfers funds to anywhere in the world;
• payoneer- beneficial for remote workers who work with foreign customers.

The last system hit the trends in Ukraine in 2018. It allows you to quickly and safely receive money from anywhere in the world. It has a minimum commission. But if payment comes only from clients from the CIS countries, the good old WebMoney turns out to be the most convenient (it’s much easier to cash out rubles this way).

TOP 3 best resources - detailed summary

Having studied what electronic wallets are in Russia, Belarus and Ukraine, we highlight three popular ones:

• . It occupies a leading position in the Russian Federation and the CIS countries. Its unique advantage is multicurrency and an internal exchanger.
• . Funds on the internal plastic card are available at bank payment terminals and ATMs around the world. And this means that you can pay in cash and by bank transfer.
• You only need a mobile number to register. Simple and intuitive interface. You can issue a plastic card in rubles and dollars.

Now let's take a closer look at the tariffs and functionality in order to decide which electronic wallet is better to choose for withdrawing money:

	webmoney	QIWI	Yandex Money
Registration	telephone e-mail personal data	cellular telephone	Email
Currencies	rubles; dollars; Euro; hryvnia; Belorussian rubles; Vietnamese dongs; gold; cryptocurrency	rubles; dollars; Euro; tenge	rubles
Card issue	dollar or euro - 10 c.u. virtual - free	ruble - 199 p. (only available to residents of the Russian Federation) virtual - free	ruble - 199 p. virtual - free
The total account of the card and wallet	+ (WMZ or WME)	+	+
Transfer within the system	0,8%	0%	0,5%
Refill	depends on the amount	0% bank transfer	Sberbank - 0%, others - 1%
Transfer to a third-party card	2.5% + 40 rubles	2% + 50 rubles	3% + 45 rubles.
Cash withdrawal	2.5% in dollars	2% + 50 rubles	3% + 15 rubles
Withdrawals	depends on the amount	bank account - 1.6% card - 2%	bank account - 3% card - 3% + 45 rubles.
Payment for goods and services	0%	0%	0%

Important! QIWI and Webmoney accounts can be to tie between themselves!

If one of the sites suits you according to a number of parameters, it is better to issue a card for it. So you do not have to pay a commission for transferring money to plastic. Let's summarize the table data:

1. Kiwi it is most profitable to cash out large amounts and transfer funds within the system.
2. Yandex convenient for paying for goods and services at the terminal.
3. WebMoney saves only on transactions with foreign currency.

Card withdrawal

For clarity, consider how to transfer money from an electronic wallet to a Sberbank card.

The mechanism is similar for all online services:

1. We enter your personal account through e-mail or social networks.
2. Click the "translate" tab (the name may vary slightly).
3. We choose the method "to the bank card".
4. Specify the card number and amount.
5. We confirm the operation using an SMS code (E-NUM for Webmoney).

The main difference between different platforms is the amount of commission when transferring funds to accounts of third-party banks:

• QIWI - 2% + 50 rubles;
• WebMoney - 2.5% + 40 rubles. - additional conversion fees may apply;
• Yandex Money - 3% + 45 rubles.

I hope my reviews and arguments help to decide which e-wallet is better to have for use in Russia, Belarus and the CIS countries. And the main thing is to take into account regional peculiarities.

After all, flexibility in accepting payments is one of the most important qualities of a successful freelancer. Therefore, I recommend registering all three payment systems and using them according to the following scheme:

1. Link WebMoney to Qiwi.
2. To make plastic cards for QIWI and Yandex Money.

So you get the opportunity to accept any payments and freely transfer funds between accounts. In this case, the losses are minimal. You pay with Yandex in stores, and withdraw cash from Qiwi.

However, it's up to you to decide. Personally, I have been using Webmoney (mainly because of its multicurrency) for more than 6 years to work with customers from Russia and Belarus.

Read more about how to create an electronic wallet in each of the services on the blog.

Let all your financial transactions be profitable and safe!

Just some 10 years ago, the concept of electronic money was little known to the inhabitants of Russia. On the territory of the country, only the WebMoney payment system and Yandex.Money were gradually entering the market. Today, there are so many payment systems available to Russians that it's time to get confused. For novice network users, the question often arises as to which electronic wallet is better to choose. Our article will help you figure it out.

What to consider when choosing a wallet

First of all, when choosing where to start an electronic wallet, you should decide on the purpose of this event. Roughly formulated, there can be three goals:

• receive money in the wallet;
• spend money from the wallet;
• receive and spend money.

First, let's deal with the second point. Many people create an account in an electronic payment system in order to make purchases in online stores, but do not show their bank card details. If for some reason a virtual card from your bank is inconvenient for you, this is a completely reasonable way out. In this case, you should evaluate such properties of each of the wallets as:

• prevalence of the payment system;
• the ability to pay in your usual online stores;
• ways to replenish the wallet;
• replenishment fees.

For example, Aliexpress, which is popular today, accepts payment through the Yandex.Money system, while on eBay you can only pay with a PayPal account, this site does not accept either WebMoney or Yandex.Money. Therefore, for regular users of this auction, these wallets will be absolutely useless.

The next option is you want to start a wallet to receive money. For example, to transfer you wages from the employer (relevant for freelancers), make payments for purchases (for those who earn from craft activities) or collect donations. Here, oddly enough, you will have to focus primarily on the preferences of those who will transfer funds to you. Should be assessed:

• the number of ways to replenish the wallet;
• the possibility of replenishment from a bank card;
• the presence of a commission for replenishing the account;
• degree of prevalence of the payment system.

For example, if you plan to sell your products only to buyers from Russia, you can pay attention only to payment systems that are popular in our country. If you want to enter the global market for handmade / freelancing, etc., you should find out which payment methods are most popular in the region of your interest. For settlements with America and European countries, PayPal is best suited. It is more familiar to foreign residents, and it also provides protection for the buyer. And, of course, you should analyze the possibility of withdrawing funds from the system, their cost and range.

Tip: When working with one or two employers, choose the wallet that will suit their interests. Also, when working on services that allow you to earn money through the network, choose the payment system with which these services cooperate.

Electronic wallet instead of a bank card

Consider the last option - if you plan to use an online wallet as an alternative to a regular wallet. That is, not just withdraw the funds received into it to a bank card, but pay for basic needs directly with his participation. It's worth finding out here:

• what features are built into the payment system;
• what is the amount of spending limits;
• whether the system can provide a physical means of wallet management;
• How can I cash out and how much does it cost?

For example, using WebMoney and Yandex.Money, you can easily pay not only for mobile communications, but also utilities, taxes and fines, Internet and television, and many other bills. But the Qiwi payment system provides its users with a plastic card linked to the wallet, with which you can make purchases in offline stores. However, Yandex also has such a service.

In a word, before making the final choice, carefully analyze your capabilities, needs and plans for a payment service. The wrong wallet can not only add inconvenience to everyday life, but also lead to financial losses due to the large amount of commissions for transactions or the outflow of customers / employers who will not be comfortable using it as a means of payment. And having formulated a list of requirements, you can take on the study of the proposals of payment systems. We will talk about the most popular of them.

The most popular wallets in Russia

To date, the following electronic payment systems are the most common in our country:

• WebMoney;
• Yandex money;
• qiwi;
• PayPal.

Each of them, in addition to a large number of ways to replenish the wallet and withdraw funds, has a Russian customer support service. This can help in case of difficulties both in the process of creating an account in the payment system, and in the course of its use. Let's talk about the main features of each of the wallets.

Payment system WebMoney

For a long time, those who needed a wallet to work via the Internet could only use an account in the Webamni system. This company was one of the first, if not the very first, to provide electronic money services in the Russian Federation. Over the years, the payment system has acquired a solid infrastructure. Today, with her wallet, you can:

• make purchases in most online stores;
• pay bills and receipts (including fines and taxes);
• pay for Internet services, cellular communications, satellite TV, etc.;
• make transfers around the world.

The undoubted advantage of WebMoney is its multicurrency. You can link several wallets to one account, each of which will be designed for its own currency. In the Russian Federation, ruble and dollar wallets are most often in demand. In total, the system provides 10 types of currency, among which are not only euros and Belarusian rubles, but also the recently popular bitcoin. You can replenish your wallet in different ways:

• from a bank card - through an ATM or an Internet bank, depending on the issuer;
• from a bank account;
• from another electronic wallet (including those not belonging to the system);
• from mobile phone balance;
• postal transfer;
• in cash - through terminals.

Important! The terms for crediting funds and commissions for replenishment will depend on the type of wallet.

WebMoney signed a cooperation agreement with some banks. For example, transactions between any of the system's wallets and Alfa-Bank's card/account will be performed instantly and will cost the user only 1% of the transferred amount. For comparison, when replenishing a wallet from a bank card that is not included in the list of system partners, in the amount of up to 2800 rubles, you will be charged a commission of 50 rubles, plus bank fees.

Payment system Yandex.Money

If you search the Internet for the answer to the question of which e-wallet is better to have in Russia, user reviews will most often recommend Yandex.Money. This system has been operating in our country since the mid-90s, and has also managed to acquire a wide infrastructure. Wallets in it can only be created in rubles. And largely due to this, working with the system is simple and intuitive.

Any system user who has registered a wallet can receive funds. But in order to make transfers, pay bills or withdraw money from the system, you will need to go through identification. There are several ways to do this:

• using Sberbank Mobile Bank;
• by transferring funds to the wallet account through the Euroset, Svyaznoy salons or the Contact system;
• by sending an application and notarized copies of personal documents to the address of the payment system.

Important! The identification procedure is paid, its cost depends on the chosen method.

Having passed the identification, the owner of the wallet gets the opportunity with his help:

• pay for purchases on the Internet;
• pay taxes and make other contributions to the budget;
• pay for utilities, use of cellular communications, the Internet, etc.;
• make money transfers both within the system and to bank cards of third parties;
• withdraw money from the wallet to cards and accounts of any banks.

Important! The payment system has partnership agreements with a number of banks (Alfa-Bank, Promsvyazbank, Sberbank, etc.), allowing you to withdraw funds to their accounts instantly and without additional fees.

In addition, Yandex.Money provides its customers with the opportunity to receive a plastic card, the balance of which will be shared with the wallet. Thus, you will be able to pay with electronic money in regular stores, cafes, services, etc. Such a card can also be linked to contactless payment systems - ApplePay or SamsungPay. The cost of the card is 200 rubles for three years, no fees are charged when making payments through terminals.

Qiwi payment system

This payment system allows you to create a wallet using only a mobile phone number. A one-time password is sent to the specified number, which acts as an analogue of user identification for the system. With the wallet, the user can:

• pay for cellular and Internet services;
• make payments for loans of a number of banks;
• pay fines to the traffic police;
• top up parking bills;
• pay for applications, gifts and voices in social networks;
• pay for utilities (in some UK).

The system also allows you to transfer money between different wallets, send money to bank accounts and cards, send money through money transfer systems (postal, Contact, American Express, etc.).

Important! The wallet currency in Qiwi can only be Russian rubles.

To replenish your wallet, you can use one of the system's terminals, which are in abundance in almost any city. In addition, replenishment is possible through Internet banking systems, from a bank card account through ATMs, and even from a mobile phone balance. Qiwi cooperates with many microcredit companies, so that wallet owners can receive loans online to the accounts entered in the system.

Important! Also, any client can get a Qiwi plastic card, the balance of which will be shared with the wallet. The card is accepted for payments in most stores.

PayPal payment system

For those who are going to sell goods via the Internet, or, conversely, make purchases in foreign online stores and from individuals, the best electronic wallet is PayPal. This system was created specifically for settlements between sellers and buyers. The wallet identifier in it is the client's email address. This allows you to secure your personal data, including information about accounts, cards and other means of payment.

Important! A PayPal account is opened in the currency of the owner's country. For international payments, funds are converted automatically at the internal exchange rate of the system.

You can replenish your wallet using a bank card of any bank. But the further use of credited funds is very limited:

• transfer to another PayPal account;
• withdrawal of funds from the system (to a bank card linked to the wallet).

That is, it will not be possible to make any payments to third-party accounts using this service. But for shopping it is very convenient. PayPal has a very strict buyer protection program. When paying for the goods, the funds are credited to the seller's account, but are blocked on it until the buyer confirms the fact of receipt of the goods and the absence of claims on it. Otherwise, the funds spent can be returned, and all commissions for transfers will fall on the seller.

The system operates both abroad and in Russia. But in our country it is not yet very common. For transactions within the Russian Federation, it is more convenient to use Yandex.Money or WebMoney.