The life of modern people is very closely connected with the Internet. Some people work on the Internet, others like to shop in online stores. To make life easier and carry out various financial transactions, electronic payment services have been created, where you can create electronic wallets. One such system is WebMoney. It is not easy, as it has a huge number of possibilities. This is why beginners often have the question of how to use WebMoney.

Getting to know the system

"WebMoney" is a long-existing electronic payment system. It was founded in 1998. The number of users choosing this system is growing every year. This is confirmed by the statistics generated by WebMoney. According to available data, in October 2017 the number of accounts exceeded 35 million.

"WebMoney" is an international payment system and environment for doing business on the Internet. It refers to several types of units of account, also called title units. Here are some of them:

• WMR - equivalent of Russian rubles;
• WMZ - dollar equivalent;
• WME - euro equivalent;
• WMU - equivalent to Ukrainian hryvnia;
• WMB is the equivalent of Belarusian rubles.

Registration in the system: how to start “WebMoney” and how to use it

Getting an e-wallet from WebMoney is quite simple. The registration procedure includes several steps. At the very first stage, a telephone number is indicated. It must be working, because in the future all financial transactions will need to be confirmed with codes received in SMS messages.

At the second stage, a form with personal data is filled out. You don't need much information to register. The new participant must indicate the date of birth, phone number, security question to restore access and the answer to it. Then all that remains is to confirm your email address and phone number by entering the codes. At the last stage of registration, you need to come up with a password to log into the system.

Creation of electronic wallets

After registration, each new participant in the WebMoney system finds himself in his personal account. At the top you can see the line “WMID” with numbers. People just starting to figure out how to use the WebMoney wallet in Russia should remember that this is a user ID in the system. It is not a wallet number. In simple terms, WMID is something like a personal account number, a platform on which you can create several different wallets for conducting financial transactions.

In your personal account there is a special button for creating wallets in different currencies. To create a ruble account you need to select WMR, to create a dollar account - WMZ, etc. Each wallet is automatically assigned a number. It begins with a letter that indicates the currency. For example, a ruble wallet begins with the letter R, and a dollar wallet begins with Z. It is important to remember that when replenishing a specific wallet or when making transfers to a specific wallet, you need to know its number. It is the wallet number, not the WMID.

What is important to know before using wallets?

After registration, every beginner can make small transfers and payments online. But there are users in the system who make large financial transactions. How to create a WebMoney wallet and how to use it so that more opportunities are available? To do this, you need to understand the certification system, which was invented in WebMoney. In accordance with it, each newcomer receives, after completing the registration procedure, a pseudonym certificate, which has certain restrictions. In order to make large transfers and payments, to be able to withdraw funds in different ways, you must obtain a formal certificate. It is issued free of charge.

To obtain a certificate, you need to go to the appropriate section. At the top of the site, for those who do not know how to use WebMoney, there is a menu “For Individuals”. It has a “Certification” section. To obtain a certificate, you will need to go here and enter more detailed information about yourself: last name, first name, patronymic, passport details, SNILS number. In the “Certification” section you will additionally need to upload copies of your documents. It is not necessary to make photocopies. You can simply photograph your documents in good lighting so that all the data is clearly visible on them. Uploaded copies are checked by employees of the WebMoney certification center. At the end of this procedure, the user is awarded a formal certificate.

For those who are “lost” on the site

People who are using the electronic payment and settlement system for the first time find it quite difficult to navigate the site. After visiting any section, the question arises of how to return to your personal account and how to use the WebMoney wallet. To do this, use the top menu of the site, select “About the system”, “Manage wallets”, “Keeper Standard (Mini)” and click the “Login” button. After this, your personal account will open, where you will see the created wallets and the amount of money in the accounts.

From your personal account you can:

• pay for various services;
• make transfers to other WebMoney electronic wallets;
• link your wallets to other electronic systems (Qiwi, Yandex.Money) and make further transfers between them;
• issue invoices to other WebMoney users when conducting any transactions;
• withdraw funds to bank cards.

Debt service "WebMoney": what is it?

All those people who saw the debt service probably thought about what it was. How to use this function in WebMoney? So, the debt service is a section of the site where you can receive loans from other owners of electronic wallets. The function is not available to all users of the WebMoney system. It can only be used by those participants who have at least a formal certificate.

In the debt service you can see advertisements from lenders. A special table indicates the available amounts, term, percentage. If necessary, the borrower can only choose the most suitable conditions for him and submit an application. The lender, after considering it, may provide a trust limit, or may completely ignore the request. Sometimes lenders provide loans, but under completely different conditions that are unfavorable for the borrower. Users do this in order to protect themselves from non-returns.

Taking out a loan

Lenders typically lend very small amounts at first. Their size is comparable to the monthly Internet payment. In the future, after returns without delay, lenders gradually increase trust limits. Some even reduce the interest rate, making it more and more favorable for the user.

Taking out a loan deserves special attention, as this procedure raises many questions. If the lender has provided a trust limit, this does not mean that the money has already arrived in the wallet. In order to receive them, you need to apply for a loan yourself for the required amount and the required number of days.

Example of a loan application

The lender provided us with 10 WMZ for 30 days. We list our actions in the step-by-step instructions “How to use the WebMoney wallet and the provided trust limit”:

1. Click on the limit and indicate the amount and period. Let's say we want to receive 5 WMZ for 10 days. We indicate these values ​​in the fields that open. Below we will see the return amount - the number of title units that we will need to return to the lender. A participant in the system issued a limit with a small interest rate, so we see a small amount to be returned - 12 WMZ. Next, we confirm your desire to receive funds.
2. At the next stage, a contract appears. It states the amount taken, the amount to be returned and the deadline. Our consent is required. We press the appropriate button if everything suits us.
3. A new “Paymer” page appears on the screen. In it we see a significant amount - 24 WMZ. Some people close the browser at this stage, thinking that this is all a scam, because at first they agreed to a smaller amount. In fact, there is no fraud here. This will be confirmed by any person who has long known how to use WebMoney and is familiar with all the features. Paymer is a service in which unconditional bearer obligations are registered in double the amount of the debt. This agreement is used by the lender only if the user does not repay his debt.
4. We confirm our consent by entering the code received on the phone number. The loan is immediately credited to your wallet. On the “Loans” page, located in the “Trust me” section, we see the amount to be repaid that we agreed to at the very initial stage, i.e. There are no double amounts.

The occurrence of debt in debt service

Users of debt services are not always able to repay their debt on time. Due to non-repayment, the specified amount goes into arrears. As a rule, in such cases, lenders turn off the provided trust limits and refuse further cooperation with unreliable participants in the WebMoney system.

Some lenders block the WMID of a user who has not returned the funds in a timely manner. Due to the blocking, the ability to pay for services and withdraw funds from wallets is lost. How to use WebMoney in this case? To remove the lock, you will need to repay the loan. Additionally, lenders can file a claim on WMID. Because of this, it will be problematic to obtain trust limits from other users of the system in the future.

If there is a delay, a letter is sent by email - a pre-trial claim. It states that financial obligations were not fulfilled in a timely manner. The user is given a two-week period. During this period, you can repay the debt without any serious consequences. If the claim is ignored, the lender can sell the debt to third parties (collectors) or go to court.

"WebMoney" is a system with wide capabilities. Of course, it may seem difficult at first. How to use WebMoney is a question that will certainly arise. However, all the complexities and functions can be sorted out. The site itself has a help section. It contains articles that discuss various functions in detail. If you cannot find information on any questions or problems, you can always contact the support service.

Good afternoon, dear subscribers and guests of the blog! We continue non-stop introduction to WebMoney. Since, following the instructions from the previous article on this payment system, we have already managed, I think it’s time to talk about the functionality of the payment system. Since electronic wallets have long been integral components of the life of every webmaster, it is very important to know everything about their operation. Since WebMoney is one of the most popular payment systems, the importance of its operation is quite difficult to overestimate. To understand the intricacies of the system, find out how to use WebMoney and what points to pay attention to when currency exchange within the system, I bring to your attention today's review.

A little about the payment itself

Perhaps I’ll start with the fact that today Webmoney is one of the most popular systems electronic payments. With its help you can create your own wallet to pay for goods, services, utility bills and much more directly via the Internet. Also within the system you will have the opportunity to receive and send Money transfers.

Official WebMoney website

Ways to manage WebMoney accounts

To start using all the functionality of the system, simple registration is not enough; you also need to understand control options yours account.

Account types

The thing is that by default, managing wallets is only possible through your browser window. To correct this situation, you need to go to the “ Settings» and find the item "Account Management Methods". This is exactly what we need. Click the mouse cursor on this position. In the window that opens, the system will offer you several options for managing your profile:

• Mini– the good thing is that to log into your account you just need to enter only login and password.
• Classic– requires a computer with installed Windows OS. It works as an application, integrates perfectly with all WebMoney services and is different high level of security.
• Light- similar to Classic, but working in the form of a website. To log into Keeper you will need to receive personal certificate. As for the functional set of this control method, it almost identical what has keeper classic. The only difference is that in the case of Light you will not need to download any programs to your computer, which means that the keeper will work with any operating system.
• Mobile– works in the format mobile application, supporting Java. A somewhat simplified version of the keeper, which, nevertheless, allows you to download webmoney for android and make transfers of funds, payments for services and purchase of goods from anywhere in the world, even if you don't have access to a desktop computer. By installing such an application on your mobile phone, you can Always use the money available in your wallet account. To do this, you will not need anything else from you except top up your bank card from your phone through Keeper.

Using the classic keeper

Initially your profile will be available keeper mini, but taking into account the fact that the most convenient and reliable way to manage WebMoney wallets is considered Keeper Classic, I suggest you hand over the reins to him. Let's figure out what is needed for this:

1. Click with the mouse by clicking the “Enable” button located in the line " Classic", and confirm your action.
2. In the window that opens enter login and password from your profile in the system, enter the captcha code and click on the button “ To come in».
3. Since WebMoney is concerned about the safety of its clients, you will have to enter another code into the system, which will be sent to you via SMS after you click on the “ to get the code».
4. Received enter code in the field specified in the form and click the “ To come in».
5. To change the control method you will have to enter in the opened form or old password, which you used in Keeper Mini, or set a new one. It is this password that will be used to protect the file with the list of keys.
6. After this you will need download file with secret keys by clicking on the button " Download keys” and downloading them to your computer.
7. As soon as file will be on your computer, I strongly recommend that you duplicate it by saving it to your smartphone or flash drive. This is necessary in order to protect yourself from cases of key loss associated with a computer breakdown or accidental file deletion. I would like to draw your attention to the fact that it is possible to restore an account without keys, but this procedure is extremely complex, difficult and time-consuming.

Keeper light

If you want to use Keeper Light as your main control method, then you will have to send your device for verification to the certification center. email. After the test results arrive, the system will need certain time in order to synchronize the received data. This algorithm looks like this:

1. You go to the tab " Settings" and in the section " Control methods» click opposite the position "Light" button "To plug".
2. If you have already been assigned a formal certificate in the system, then you can safely skip the next point. After sending your data to the certification center, the system will offer you fill out the registration form, which will allow you to obtain a formal certificate.
3. Owners "Pseudonym" certificate submit the completed form and return back to the “ Safety" Here they are again" Connect» keeper light.
4. In the window that opens you will need come up with a new password to log in and then click on " Change control method».
   
5. After this you will need duplicate invented at the previous stage password and transfer management of your account from Keeper Mini to Light.
6. After the transfer of control is confirmed, the system will send you to the page where it will be necessary receive a personal certificate.
   
7. As a result of this action, a window will open in front of you in which you will need to enter invented password and press "Register».
   
   

Everything seems simple, don’t you agree? If you succeeded with Keeper Light, then let’s return to the issue with the classic keeper. Since this manager requires program installation on a desktop computer, I suggest you read the instructions for implementing this activity.

How to download, install and use Keeper

Since the transition to account management through Keeper Classic was successful, the time has come install the program to your computer and start using it. For this we need:

Setting up keeper

To do this, launch Keeper and perform the following sequence of actions:

• In the first program window that opens enter the WMID number your account and password. You can find the ID in the letter that the WebMoney system sent to your e-mail immediately after you have successfully completed the registration process.
• Confirm entry in Keeper by pressing the button " OK" The program will give you error message and will write that she was unable to detect service files.” From the list of proposed reasons that led to the occurrence of this error,” select “This is the first login attempt...” and click " Further».
• In the next window, select the position “ I have a key file..." and click "Finish".
• Enter number in the form WMID, password and indicate to the program where the file with the keys is saved, enter the password for this file. We confirm the correctness of the entered information by pressing the button " OK».
• If everything worked out, the program will offer you “ Create a new wallet».
• Most likely, you will think that the installation process is complete, but it is not. Now you need to confirm that it will be possible to log into your WebMoney e-wallet from this computer on which you installed Keeper. Enough for this go By specified in the dialog box link, copy the activation code received in the email and enter it in the line “ Activation code».
• After that enter the captcha and press the button " Activate».
• Once again confirm our actions by pressing the button " Yes».
• Congratulations! Activation computer was successful, and therefore return to Keeper and press the F5 button located on the top line of the keyboard.
• Now we wait until the program finishes setting, and after that let's move on to creating wallets in the currency you and I are interested in.

Creating a Webmoney wallet

Those who don't know how to do webmoney wallet, can use the following instructions:

1. In Keeper select tab " Wallets" and click on the button " Create».
2. A dialog box will open in front of you, in which the program will notify you that at the moment you have not created a single wallet. Review this information and click « Further».
3. In the following form from the drop down list select the one you need option electronic wallet. For example, if you need ruble wallet, then look for the position “ WMR", give your wallet a name and go ahead « Further».
4. Read the license agreement, accept its terms and click « Further».
5. Congratulations! You have become the owner of your own electronic wallet in the WebMoney system.

Types of wallets

Currently the system supports several types electronic wallets. Each of them takes into account the property right to one or another type of value. The title unit of the appropriate type is used as a unit of measurement for these rights held by the Guarantor.

Among the most popular types of electronic wallets, I would note:

• WMR– the wallet through which all transactions take place in rubles Russian Federation.
• WMZ– wallet whose currency equivalent dollar USA.
• WME– wallet for storing electronic money in Euro.
• WMX– wallet for storage and exchange bitcoin(cryptocurrencies).

In addition to the above types of wallets, you can also find wallets in the WebMoney system in such currencies as: Ukrainian hryvnia (W.M.U.), Belarusian ruble (W.M.B.), Kazakh tenge (WMK). In addition, all payment card users have the opportunity to create a wallet for conducting transactions with gold(wallet WMG).

Transfers from wallets to other payment systems

If you have need to exchange funds stored on your webmoney wallet, you can do this in several ways:

Translations

The simplest exchange option is considered translations, in which they are involved special currency exchangers. Despite the rather high commissions, this method is good for its speed And opportunity transfer from webmoney to wallets any others payment systems. In general, it is quite difficult to describe in a nutshell the principle of operation of an exchange exchange, and therefore I propose to return to this topic a little later.

Using a mobile phone

The second exchange option is intermediary, since to implement it we will have to use our mobile phone. The essence of the method is as follows: we transfer money from a webmoney wallet to the account his mobile phone (replenishment in this case no commission), and then we output these funds to qiwi wallet or at YandexMoney system wallet, or to any other payment account.

If you use this method of exchange, be prepared pay enough large commission. Depending on which operator your number belongs to, which wallet you want to transfer funds to, commission may vary within 5,6-10,3% . If you want to transfer money this way on the map, then the commission size will start at 3,3% .

Direct translation

For those who are looking less expensive ways, how to transfer funds from WebMoney to Yandex Money, and is ready to wait until the money arrives from one account to another, will do option direct transfer between wallets. To do this, you need to link the wallet of one system to the wallet of another. I also suggest returning to this method a little later.

Alpari

To implement this method, it is enough register on the broker's website , create there's one there personal account And go to carry out translations. For this purpose on the website select category " Top up your account» and decide from which and to which electronic wallet you want to make a transfer. For replenishing accounts in the Yandex Money system or Kiwi you will have to pay commission at the rate of 2,5% . If you want replenish WebMoney wallet, then you will have to pay 3.3% commission. When your Alpari account is replenished, go to the “ Withdrawal of funds"and decide which wallet you need to withdraw money to. If this accounts in system Yandex or Qiwi, That you don't pay commission, if - WebMoney, then the commission will be 0,8% from the transfer amount.

Exchanger

Participants of the WebMoney Transfer system can also use the services of the service exchange Exchanger . The site operates on the principle of a classic exchange - it transfers funds from one side of the exchange to the other. What's interesting is that exchange participants can on one's own assign conditions exchange. Based on this, it turns out that Exchange reduces to minimize costs related to the exchange, and carries out deal at the most profitable for both participants in the exchange conditions.

Webmoney exchangers

Above I mentioned the possibility output funds from WebMoney accounts through special exchange services. As promised, I’m returning to this topic to tell you more about it. So imagine that you need to transfer 100 WMZ on account . What to do? Of course go V nearest exchanger, in which there is enough currency for transfer. But here two completely logical and correct questions arise: “Why in one exchanger specified one exchange rate, and in the other- another?" And " How to find most favorable rate to exchange money?

Because choose best course with minimal commissions and the most favorable conditions at the current time manually are simply unrealistic, I recommend that you get acquainted with. This service is in mode real time monitors rate fluctuations in the largest and most reliable exchangers on the Runet and presents their offers in the form of a rating.

Make a profitable exchange with bestchange

In order to withdraw money from webmoney to any other wallet or to a bank card, you just need to set up the exchange data and choose the most profitable option for you from the generated list of exchange offers. With BestChange monitoring you can safely you can exchange your electronic money for cryptocurrency, for example. Alternatively, you can directly in the WebMoney system and top it up by exchanging funds stored on your bank card.

By and large, on bestchange you can find ways translate practically any means from one state to another. Even if you do not find the exchange direction you need, you can always ask service find ways for you " Double exchange", choosing from the proposed options the most profitable for you.

Linking cards, electronic wallets

Well, now, as promised, we return to withdrawal of funds with help wallet bindings other payment systems and bank cards to your WebMoney account. To begin with, I propose to deal with the fact that how to bind banking map To valid electronic account webmoney.

To implement this event, you will need:

• Have in the WebMoney system, at least formal certificate.
• Have in the hands of any bank card. It's best if she is " personal”, as this will greatly simplify the binding process and save you a lot of time. For example, I used my . You can arrange it by following the link .
• Check do yours match? passport details, which you indicated when registering in the system, with initials on your map. This information must be identical. Otherwise, the binding will be simple impossible.
• Have access to a scanner or good camera(in principle, a mobile phone with a decent camera will do).

Linking a WM account to a card

If you have everything listed above, we can safely start to webmoney link accounts to your bank account. The algorithm of actions in this case is as follows:

1. Go to the website page with the address passport.webmoney.ru and log in.
2. Once in " Control Panel", start looking for the tab called " Bank cards" and make the transition.
3. In the tab we need indicate requisites our cards and ask type payment system it is serviced by (Visa, MasterCard, American Express).
4. Prove ownership with this card. To do this, just return to the “ Bank cards" and opposite the line with the number of your newly added plastic, click on " Check map».
5. In the window that opens upload photos or scans your card, and send them to the system for verification.
6. During 1-2 working days WebMoney will process your request, check the data provided and will link the card to the wallet.

Personally I find this way very convenient because he automatically solves the problem of how to withdraw money from WebMoney in cash from minimal losses on commissions.

Linking to Yandex wallet

As for the situation with binding wallets alternative payment systems, then the situation here is as follows. For that to tie wallets WebMoney and YandexMoney and withdraw money in one direction and the other, you will need:

• Go through identification in the YandexMoney system and receive a formal WebMoney certificate.
• If you have already completed both of these activities, feel free to follow to the YandexMoney website and go to the tab " Goods and services" In this case, we are interested in If you want to link to a WebMoney account, then similar to the previous algorithm:
  • Going through identification in the Qiwi system and receive a WebMoney certificate of a level not lower than " Formal».
  • On the Qiwi website go to the tab " Settings", and in the category " New account" select the item " Transfers of funds between Visa Qiwi Wallet and Webmoney».
  • Confirm intention to link a virtual qiwi card to a webmoney wallet and enjoy transfers between accounts with commission V 3% .

  Let's sum it up

  Well, I think there are no questions regarding how to work with the account Webmoney , and no one else has a way to withdraw funds stored on it. At the end of today’s review, I just want to add that you should not be afraid of some of the complexity and intricacy of the registration process, obtaining certificates and linking accounts to the system. Everything is much simpler than it might seem at first glance. I wish you successful money transfers, low commissions and fast processing of requests. In the comments under this post, share your impressions of working with WebMoney Keeper, tell us which method of managing your account you like best and why. Don’t forget to subscribe to blog updates, because a lot of interesting things await you. See you soon!

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  For the average Internet user, it is a matter of honor to register in one of the electronic wallets operating on the network. Many people choose WebMoney because, although it is tailored for the domestic financial sector, it is more suitable than other Russian analogues for making payments on international platforms. The virtual wallet has other important advantages that it is advisable to know about.

  By understanding how to use WebMoney, you will be able to intelligently adjust the functionality of the service to your needs and expand the capabilities that are given to clients immediately after registration.

  Getting to know the system

  The word WebMoney consists of 2 parts:

  • Web – network, with a hint of the Internet;
  • Money - money.

  In practice, the described service does not use either real or electronic money; what appears on user pages is the monetary equivalent - title units that replace a large number of currencies:

  • WMR – Russian rubles;
  • WMK – equivalent of the Kazakh tenge;
  • WMZ – dollars;
  • WMX – bitcoins;
  • WMU - hryvnia, etc.

  The wallet regularly increases the number of title units used. At its core, it is a complex of electronic wallets. By opening one in rubles or dollars, you can get new wallets in which other currencies will be stored.

  The WebMoney service was created in Russia in 1998. It has become an analogue of already successfully functioning foreign services. To date, there are 36 million accounts registered on it. The wallet is popular not only in the Russian Federation, but also in the CIS and in foreign countries.

  Each user registered in the system receives a WMID. This is a unique identifier consisting of 12 digital characters, acting as a login in the system. If desired or necessary, you can create several WMIDs.

  All users of the system are provided with special software WebMoney Keeper free of charge. It makes it easier to access the service and allows you to control your own account. The user can choose the most suitable software for their needs from several options:

  • Classic – to register, you need to go through a complex multi-step procedure. Upon completion, you receive the comfortable, most secure functionality of an advanced wallet as a bonus.
  • Mobile – version for mobile devices.
  • Mini – A simplified version that allows you to use the account from anywhere in the world.
  • Light is an analogue of the mini, equipped with additional protective functions.

  

  Registration in the system

  The first step you need to take to get an account in the WebMoney wallet is registration. The step-by-step instructions we offer will help you easily overcome this milestone:

  1. Go to the official webmoney.ru wallet page.
  2. Click on the "Registration" button.
  3. Select the registration option: through social networks or using a mobile phone number. The second way is more reliable.
  4. Enter your phone number (we go along the second path) and click on the “Continue” command.
  5. Enter your identification information into the form and click “Continue” again.
  6. Confirm the e-mail specified in the electronic form: by logging into your e-mail box, go to the letter from WebMoney and click on the link.
  7. Confirm your phone number by entering the code that will be sent via SMS into the appropriate field on the wallet page.
  8. Enter your password and confirm the operation.

  From this moment you will become a full-fledged participant in the service.

  Types of certificates and the process of their registration

  The functionality of the WebMoney wallet is extensive, but not every person who registers in the system gets access to all its capabilities. The limits within which you can operate depend on your status or credentials. They resemble steps that you climb. There are 4 levels:

  • Nickname;
  • Formal;
  • Elementary;
  • Personal.

  Let's take a closer look at each stage.

  Level Alias

  You will receive it automatically as soon as you register in the system. Your options will be limited to small limits. This status is suitable for those who rarely use their wallet and intend to occasionally make small purchases in an online store.

  Formal

  If you regularly use the WebMoney wallet, the Formal Passport will be more convenient than the previous option. Along with the transition to this level, you will receive the following opportunities:

  • withdrawal of funds;
  • payment for services.

  To become a user with Formal status, you need to enter your passport data in a special form located on the wallet platform. The transition is free of charge.

  Initial certificate

  You will rise even higher by receiving the Initial Certificate. There are 2 ways to do this step:

  • make transfers using the service perevod.webmoney.ru – a free option;
  • By providing the personalizer with your passport for verification, you will have to pay for the service.

  The initial level is suitable for company employees, since users trust holders of this certificate more than those who prefer to remain at the lower levels.

  Personal certificate

  Advanced users and businessmen prefer to receive a Personal Passport. At this level, you can use all the functionality of the service and make transactions with large limits.

  Creation of electronic wallets

  As mentioned above, within the WebMoney project you can open several wallets in different currencies. The algorithm of actions is as follows:

  1. Sign in.
  2. Click on the “+” symbol in the “Add wallet, bank card, etc.” rectangle.
  3. Enter the wallet type that matches the currency you are interested in.
  4. Click on the “Create” command.

  This way you open access to the functions of the service within the framework of using another currency.

  Terms of use of the service

  Like any financial structure, WebMoney has a number of requirements for users. They can be found on the resource. Before registering, please read the terms and conditions as they depend on:

  • type of account being opened;
  • country of residence.

  Thus, the WME electronic wallet in the European Union can only be opened by those citizens who are over 18 years of age. Outside the EU, persons over 14 years of age can use the service. The main thing is to have a passport to obtain a formal or personal certificate.

  Denial of service does not mean loss of funds. The user's money is transferred to a bank account. Restoring control over the virtual wallet takes at least 10 days.

  How to top up your wallet?

  Topping up your account is the first thing a newly registered user thinks about. There is something to be happy about here, since the system offers a sufficient number of comfortable options:

  • WM cards;
  • postal transfers;
  • bank transfers;
  • Internet banking;
  • self-service machines;
  • exchange offices.
  And.

  The WebMoney electronic payment system is not even legally registered as a payment system, but nevertheless, a third of RuNet users have WM wallets and use them regularly. The secret of the system’s popularity is a simple registration mechanism (we’ll look at it in detail in the article) and management of your own funds, as well as ample opportunities for doing business on the Internet.
  

  Even if you went out to buy bread and suddenly decided to travel to distant countries light, there is nothing to worry about, because everything you need can be quickly purchased using a card. A comfortable stay is guaranteed. Having webmoney makes everything even easier. There is no need to even have a card with you, just get access to the Internet, which today can be done literally at every step.

  What is webmoney?

  A relatively new variety, compared to bank cards, is the WebMoney electronic money system. It is becoming increasingly popular, and there is hardly a person who has not at least heard about electronic money.

  To be fair, it should be noted that officially webmoney are “title units”, the value and cost of which are determined by the type category. According to the designation, different currencies can serve as equivalents, but more on that a little later.

  Why do you need webmoney and where to use it?

  The answer is quite simple: you can pay for any services on the Internet or services linked to it.

  For example, online stores are especially popular today, and you can buy everything there, including underwear and large household appliances. Considering the busyness of residents of megacities, constant traffic jams and crowds, it is not surprising that it is more profitable to choose and purchase the right thing at home, in a calm environment, after taking a closer look. In addition, the purchase will be delivered to the specified address, that is, to receive it there is practically no need to make unnecessary movements and movements around the city.

  Queues during the period of necessary payment of utility bills at post offices and bank branches, and even near ATMs, terminals, yes, this also happens quite often, they not only take up half a day, but personally irritate me. In order not to be nervous, just go to the WebMoney website in your profile and make any payment.

  Travelers who are faced with the constant need to convert currencies do not need to rush to an exchange office upon arrival in a new country or lose significant amounts on conversion through a bank (the difference in the exchange rate is usually significant). You can perform this operation online by moving money from one WebMoney wallet to another at an excellent rate (checked personally!).

  It is impossible for Internet workers, as well as fans of online games, to do without creating a wallet. You can pay for services, accounts, or receive payment for work performed in electronic money.

  Webmoney is one of the most popular methods of replenishing an account at brokerage companies. Money is credited to the account in a matter of minutes, the commission is standard, withheld by the payment system at the time of transfer - 0.8%. I described in detail how to invest funds using the payment system in the articles:

  Difficulties in mastering the service and registration

  Faced with the need to register in the WebMoney system, I had to spend a couple of days reviewing a bunch of materials on the topic on the Internet and directly on the WebMoney website, carefully read the conditions, sequence of actions and terrorize the support service (fortunately, they respond quickly, in an accessible form and immediately solve questions that have arisen).

  Basic concepts of the system

  1. WMID is a personal unique number for each participant in the system; it consists of 12 digits and is assigned during registration in the system.
  2. Passport is a set of data about the user, consisting of the specified personal information and passport data. Anticipating your worries that someone can use the data, I note that they are visible only to you with the appropriate settings, just like the wallet numbers. Plus, every time you go to view or edit documents, the login, password and SMS code are verified. The level of protection and security of data access is very high. It is even possible to use the latest E-NUM technology, with fingerprint identification.
  3. Wallets are cells with unique numbers.
  4. WM Keeper is a wallet management terminal.

  There are 4 types of WM Keeper:

  • Classic
  • Light
  • Mobile.

  The first two options are designed for advanced users and have many functions. In addition, WM Keeper Classic requires installation of the program exclusively on Windows.

  It is advisable to install the mobile version if there is a constant need for mutual settlements on the Internet.

  The most suitable keeper option for a beginner is Mini. Its functionality is quite sufficient for solving many simple tasks. The interface is also easy to use. When you log in, a series of icons appear on the monitor screen, arranged by service category.

  

  Everything is extremely simple, you point at the desired icon and you get to work.

  Registration procedure

  We go to the website webmoney.ru. If you wish, read all the information about the service or immediately proceed to registration.

  Click the highlighted “Registration” button and get the following login options.

  

  Registration via social networks

  

  Basic data (full name) is processed by the system automatically, so I note that if your account is fake or has false data, or you have a nickname instead of a name, we use the second option to log in, but more on that later.
  
  
  We send an invitation to friends to register on the WebMoney website.
  
  

  We received a notification confirming your registration.

  

  At the moment, you have been issued a Pseudonym certificate. To personalize and receive a Formal Certificate, you need to complete a few simple further registration steps. After this, all the functions of the mini keeper will become available to you.

  The arrow shows where you need to click for further actions.

  

  Enter the phone number in the specified format and click “ok”. We wait for a few minutes (usually no more than 1-2) for an SMS with a code, which we enter in a new window. After this, fill out the following passport data form.
  
  

  Important! Pay attention to the top postscript. Changing the basic data in the future will be very problematic, and if there is a discrepancy, you will not be able to carry out a single financial transaction. So, enter the data into the next form, truthfully and without errors (as in your passport)!

  

  Notifications about changes in data come immediately in a new window.

  

  From this moment on, you are the owner of a formal certificate, and therefore have access to all keeper functions.

  Registration via phone

  Enter the phone number in the specified format.

  

  Enter your passport details in the following form and click “continue”. We enter the data carefully, without errors!
  A letter from the system service department with a code arrives at the mailbox that you indicated in the form above; enter it in the appropriate window.
  
  
  The last stage of verification is checking the phone number. The verification principle is similar to e-mail. The code arrives, which we rewrite into the desired window.
  
  
  The final step is entering a password. Think it over carefully to prevent easy hacking by scammers. A warning may be unnecessary, but I’ll still say: you shouldn’t tell anyone your password, otherwise all your hard-earned money can quickly leave you in an unknown direction.
  
  Congratulations! From now on you are a happy, I hope so, owner of a personal profile in the WebMoney system. We continue preparatory work.

  Creating a wallet

  Before starting work, you need to create wallets so that you have somewhere to store and where to take your savings from. Here's an example of creating a ruble wallet (WMR):

  Log in and click on the “Wallets” icon.

  
  Click the “plus” in the marked cell

  

  WebMoney is an international electronic payment system.

  Offers users to use, which can be accumulated in the account, paid with them when making online purchases or transferred to regular bank cards, cashed out at terminals.

  Let's take a closer look at what WebMoney is, using an example. Vasily is a teacher and child psychologist. She has been successfully working with difficult children for over 10 years. During this time, I have gained enough experience on how to deal with difficult situations. I wrote my own manual of practical recommendations. But the publishing houses were not interested in the aspiring author. Living in a small town, there are few opportunities to search for an agent or promote a book. I decided to publish the book on the Internet, with a paid (small) viewing cost. For ease of payment, I opened an account on the electronic payment portal WebMoney (I chose the most common one). Vasily is pleased with the result - he receives income from readers living in different countries. For the money received, he pays for online purchases, mobile and even utilities. Now you don’t need to stand in queues - everything is done in a few minutes via a computer.

  What is webmoney

  The WebMoney payment service has been operating since 1998. The name often used is webmoney. The main site is http://www.wmtransfer.com/. In each country where it works, it has its own website: www.webmoney.ru - in the Russian Federation, www.webmoney.ua - in Ukraine, and so on. Ownership of WM Transfer Ltd. Management, development and technical support are carried out in Russia.

  WebMoney is the most widespread payment service in the post-Soviet space. The number of users exceeded 36 million in January 2018 and is constantly growing. On average, about 280 thousand transactions are made per day.

  The payment portal allows you to exchange “title units” that are denominated in different currencies. From a legal point of view, they are not money, but are equivalent to them in value.

  WebMoney has developed services that make it possible to account for, exchange funds, and conclude transactions. It will take seconds to transfer money, even if the recipient is in another country.
  All users are provided with a single interface for using the system. The storage of valuables is carried out by Guarantors - participants in the system in different countries.

  What can you pay with webmoney?

  Why do you need WebMoney? What opportunities does it give to its users? Using this payment portal you can:

  • transfer payments for utilities;
  • pay in online stores, including in other countries;
  • purchase software;
  • transfer money to bank cards (your own and others);
  • top up your mobile phone account;
  • pay for Internet services, cable television;
  • publish your book;
  • donate to charitable projects;
  • purchase goods on credit;
  • borrow money;
  • pay fines and taxes.

  All transfers from a personal account in the system can be made quickly and conveniently while staying at home.

  The service is often used when hiring remote specialists (freelancers). They can fulfill orders while at home in another city or even country. Payment will be credited to them.

  How to use

  Registration

  First of all, a legal entity or individual needs to create an account. There are 4 stages in total:

  1. Registration - indicate your contacts on the portal: a valid mobile phone (international number format) or a social network account. This is necessary to guarantee the security of operations, search for the registered user’s profile in the future and recover the password.
  2. Data entry—required to provide valid user data. It is possible to transfer them from a social network account.
  3. A letter or SMS will be sent to the specified email or mobile phone to confirm registration.
  4. Setting a password - you need a combination of upper and lowercase letters, numbers and special characters.

  After this, the user is assigned a WMID.

  WMID: what is it in WebMoney

  This is a personal registration code that is unique for each registered client. Consists of 12 digits, assigned automatically.

  Initially, the following restrictions are set for each WMID:

  • Replenishment - the total amount of title units in all currencies should not exceed 15 thousand Russian rubles.
  • Withdrawal - you can pay no more than 15 thousand rubles per day, 45 thousand per week, 90 thousand per month.

  To change the amounts, you need to obtain a certificate of the next level. This is an electronic certificate that is compiled taking into account the user’s personal data. You can see it on a special page of the certification center website (http://passport.webmoney.ru). Here you can check and change your personal data, manage viewing options, and submit applications to administrators. At the client's request, he can create several WMIDs for his passport.

  What is a webmoney wallet

  There are different wallet options available for WMID. This is the account where the title units are located.

  Types of electronic wallets in the WebMoney system:

  

  

  Money transfer

  Funds can only be transferred between wallets with the same type of currency. For example, you can transfer any amount in ruble equivalent only to a WMR wallet. You can exchange some signs for others in exchange services of other users. The WebMoney service itself is not involved in the process.

  Each transfer requires a commission. The sender of the funds pays for it. The minimum commission amount is 0.8%, but limits are also set: the minimum commission is 0.01 WM, the maximum is an amount from 50 to 100,000 WM (depending on the selected currency).

  Transfers between wallets of the same type, registered to the same WMID or the same passport (with a level not lower than the initial one) are performed without commission. When replenishing or cashing out funds, the terms and amount of payment are established according to the tariffs of agents - payment system banks, exchange offices. The process will take from a few seconds to five banking days. The commission will range from 0 to 11.6%, depending on the conditions and agreements with agents.

  Wallet management

  Wallet sites with simple or advanced capabilities have been developed (WebMoney Keeper Standard and Keeper WebPro). They differ in the presence of restrictions on transfers and security parameters.

  You can use the system without installing programs - just go to the payment portal website and enter your data (WMID and password).

  Safety

  When it comes to managing finances, especially online, the issue of security and customer protection is one of the most important. To perform any actions, the user is identified. This is done using:

  • files with keys;
  • personal electronic certificates;
  • entering your login and password (with additional verification using a code sent via SMS or generated by the E-Num service).

  In addition, it is possible to allow WM Keeper programs to operate from a specific IP address or group of IP addresses. Additionally, the services “Protection by Code”, “Protection by Time”, and “Escrow Service” protect against fraud. The desired option is selected in the settings. When using them, the transaction will not be completed until the secret code is entered. The time it takes to type and the number of incorrect attempts are limited.

  Advantages and disadvantages of WebMoney

  The WebMoney electronic system has many advantages that set it apart from others. This has led to the fact that many users prefer it.

  The main advantages include:

  • Security – you must provide personal data and copies of documents. Logging into your profile is confirmed with a password via an E-num key or SMS.
  • Prevalence – payments are accepted by almost all online stores and service providers.
  • A large number of currencies - works in many countries, as it is multi-currency. Moreover, there is a conversion from one type of signs to others.
  • Convenience for business – the portal contains tools that are useful and convenient for stores and banks.
  • Speed ​​of transactions – in many cases, transferring money takes a few seconds.
  • Functionality – a large selection of customization options according to the user’s wishes.

  Flaws:

  • Strict rules - if fraud is suspected, administrators have the right to block the account. Moreover, in case of serious violations, his work, like the amount in the account, cannot be restored.
  • Complex interface – due to the large number of functions, the system can be difficult to operate for beginners.

  Comparison with other payment systems

  WebMoney is not the only service for receiving and transferring money that operates online. The most popular include: and Qiwi Wallet. They differ in the set of functions available to the user and have their own operating features. Let's take a closer look.

  What is better webmoney or qiwi wallet

  QIWI Wallet is an electronic account for holders of a prepaid Visa account. Its clients are over 19 million people. With its help, access to Visa products is provided. In relation to the webmoney system, the advantages of QIWI Wallet are:

  • Transfer of funds without commission.
  • Work without an Internet connection - all operations can be performed through special terminals, of which there are a sufficient number in crowded places.

  But QIWI Wallet loses to WebMoney in other aspects:

  The difficulty of cashing out money is that you can simply top up your mobile phone account.

  Technical support – responses to customer requests are provided several days after the request. In some cases there are none at all. I have to write again.

  Security – protection from fraudsters and third party access is weak.

  Which is better WebMoney or Yandex.Money

  The Yandex.Money payment system is one of the three most popular in Russia.
  Advantages of Yandex.Money compared to WebMoney:

  • Account in real Russian rubles. This is, in some cases, better.
  • Security for Yandex clients is provided by SMS confirmation or a special code generated by the program. Confirmed by 4 patents. However, in WebMoney, protection from fraudsters is higher, and the choice of security tools is wider.
  • Anonymity – for small transactions (up to 15 thousand rubles per month), you can not provide personal data, having received anonymous status.
  • There is no commission for transfers within the system.

  The Yandex.Money service is inferior in the following parameters:

  • Users are only individuals. Organizations of all forms of ownership cannot open an account for work.
  • Lengthy registration procedure - to start fully using the Yandex.Money system, you need to contact the office of the company or its partner. There, documents are checked and an application for service is accepted. For persons living outside the Russian Federation, you will have to send notarized copies of documents and an application by mail.
  • Replenishment – ​​outside of Russia there are not many options to top up your wallet, which can be inconvenient.
  • The account currency is in Yandex.Money, there is only one monetary unit - the Russian ruble. WebMoney – works from seven.
  • Less common - Yandex.Money can be used to pay only in Russia, and in fewer stores. WebMoney is an international system.

  In general, Webmoney is more widespread than a similar service from Yandex. The first one is more suitable for advanced clients who need multi-functionality and multi-currency. Yandex.Money is more convenient for small payments and ordinary clients who do not receive income from working on the Internet. By the way, recently you can transfer money between these programs. Now customers can use both of them.

  The WebMoney payment service is widespread and convenient. Many sites are ready to carry out calculations using it. Having understood the features and functions, the client receives a lot of benefits for a minimal fee (commission). This saves time, opens up new opportunities, and erases boundaries. It is not surprising that the number of WebMoney clients is growing steadily.