The question of which electronic wallet is better to open 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 based on the principle of “where is cheaper” is also not worth it. Let's consider popular sites according to three criteria:

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

We do not ignore regional features. 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– characterized 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 can be sent to any country, there is no commission for non-cash payments;
• AdvCash– provides profitable internal transfers;
• Visa– ease of registration and compatibility with all terminals;
• Payeer– popular all over the world for working without proof of identity.

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

Virtual services appeared in the Republic of Belarus relatively recently. Among them, the most popular are the following:

• Webmoney– as in Russia, the site takes first place due to its multi-currency;
• 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– 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 commissions leave much to be desired. Easy Pay is convenient when paying through the “Raschet” system. With WebMoney it is easy to pay using ERIP and withdraw funds to a bank account (although the commission sometimes reaches up to 8%). An undeniable advantage is multicurrency.

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

• Webmoney– the optimal 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 anywhere in the world;
• Payoneer– beneficial for remote workers who work with foreign customers.

The latter system became a trend in Ukraine in 2018. It allows you to quickly and safely receive money from any corner of the planet. Features a minimum commission. But if payment comes only from clients from the CIS countries, the most convenient is good old WebMoney (this makes cashing out rubles much easier).

TOP 3 best resources – detailed summary

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

• . It occupies leading positions in the Russian Federation and CIS countries. Its unique advantage is multi-currency and an internal exchanger.
• . Funds on the internal plastic card are available at bank payment terminals and ATMs around the world. This means that you can pay in cash or by bank transfer.
• To register, you only need a mobile number. 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 to decide which e-wallet is best 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 USD virtual – free	ruble – 199 rub. (available only to residents of the Russian Federation) virtual – free	ruble – 199 rub. virtual room – free
General card and wallet account	+ (WMZ or WME)	+	+
Transfer within the system	0,8%	0%	0,5%
Refill	depends on the amount	0% by bank transfer	Sberbank – 0%, others – 1%
Transfer to a third-party card	2.5% + 40 rub.	2% + 50 rub.	3% + 45 rub.
Cash withdrawal	2.5% in dollars	2% + 50 rub.	3% + 15 rub.
Withdrawal of funds	depends on the amount	bank account – 1.6% card – 2%	bank account – 3% card – 3% + 45 rub.
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. This way you don’t 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 in the terminal.
3. WebMoney saves only on foreign currency transactions.

Withdrawal to card

For clarity, let’s look at how to transfer money from an electronic wallet to a Sberbank card.

The mechanism is similar for all online services:

1. Log in to your personal account via e-mail or social networks.
2. Click the “translate” tab (the name may vary slightly).
3. We choose the “to bank card” method.
4. We indicate 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 commissions when transferring funds to third-party bank accounts:

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

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

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. Make plastic cards for QIWI and Yandex Money.

This gives you the opportunity to accept any payments and freely transfer funds between accounts. At the same time, losses are minimal. With Yandex you pay in stores, and with Qiwi you withdraw cash.

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!

» List of online wallets

Online wallets: WebMoney, PayPal, Yandex and E-Gold.

Before you start directly, it is advisable to have online wallets in electronic systems: WebMoney and PayPal.
More about the features:

Online wallet WebMoney.

WebMoney is the largest, most reliable and authoritative online money system in the CIS (the most widespread online wallet in Russia). In fact, a WebMoney wallet is no different from an account in any, even serious bank. There are a lot of ways to deposit and withdraw money. Managing your money in WebMoney is easier and faster than managing money in a bank account. Even if you didn’t plan to make money from , you would still very much like to master the WebMoney online wallet. The ability to work with this system is the same sign of a modern PC user as, for example, the ability to work with MS Word.

Next on the list of online wallets: PayPal.

Wallet in the Yandex-money system

Some Internet entrepreneurs believe that the online wallet in the Yandex money system is even more reliable and profitable than in all other payment systems. The interface here is as simple and convenient as possible: you register on Yandex, open a wallet and can use it to make any financial transactions, including making money on Yandex right now: more on that below.

On the main page of the wallet, you will always see the history of your transactions: how many funds and where they came from into your account, how much was spent. In order to make a transfer to another user, you don’t need to look for special tabs, like on WebMoney: a special text field will be right in front of your eyes above the transaction history; you just need to enter the recipient’s number there.

It is very convenient to withdraw earnings from Yandex to a bank card: without uploading passport screenshots and other confidential information, you can link a Visa or Mastercard and successfully withdraw. There are no week-long delays, as, for example, on LavaPay, transfers are carried out instantly.

In addition to cashing out your earnings, you can pay online utility bills, internet, fines, etc. without additional commissions (in most cases). Yandex money provides a full range of services in this regard. You can make money on Yandex right now.

E-Gold.

Also, sometimes survey companies use E-Gold.
However, its work has been suspended since 2013.

1) If you register using WebMoney Keeper Classic, be sure to store the key file and password for it! Do not lose this information, otherwise it will be very difficult to regain control of your wallet! Personally, I sent it to my e-mail along with the password and can download it at any time.
2) When registering with WebMoney, you will indicate your contact e-mail. Be careful and do not lose the password for this e-mail. This is very important, because it will periodically receive information important for working with WebMoney.
3) Also, when registering, it is advisable to indicate your real data.
4) WebMoney has the ability to link a plastic card. Withdraw money directly, bypassing banks. More details

Hello, dear readers!

In this article we will look at the most popular electronic wallets and evaluate their advantages and disadvantages. And, ultimately, we’ll try to determine which wallet is better to choose.

Digital technologies. Thanks to them, our life becomes more and more convenient and comfortable. Previously unthinkable things are becoming more and more real every day. This especially applies to communication and communications.

Do you know how people used to communicate? They wrote a letter and sent a messenger to the addressee. This process occurred especially “quickly” during international correspondence.

Financial technologies have achieved the same instantaneous transfer speed today. Now we can make a money transfer in just a couple of clicks. And, the funds will reach the recipient. Instantly!

Why do you need an e-wallet?

To save time. Almost any payments/transfers today can be made from a mobile device. Or from a computer. After all, it’s much more convenient than going to the bank the old fashioned way. Wait in line.

It’s even more convenient to work through electronic payment systems. There are a number of reasons for this.

• You can create an e-wallet very quickly and easily. In most cases, this is much easier than opening a bank account. In addition, everything is done online and there is no need to visit the office.
• commissions of payment systems are lower than banking ones. After all, banks need to feed a huge staff of employees. Maintain offices. Incur administrative expenses. Pay premiums. And for electronic payment systems these costs are negligible.
• most electronic payment systems do not depend on political factors. Even counterparties of warring countries can freely pay each other, regardless of the mutual restrictions of their countries. There is Internet, which means there is full access to calculations.
• Another advantage of electronic wallets is versatility. Today, there are a lot of services where you can pay with electronic currency, but not with bank currency. This especially applies to .

Most e-wallets are as convenient as bank accounts. That is, we can create a wallet, order a plastic card and pay with it in stores. Just like a regular bank card. The card will use the funds that are on the electronic wallet.

Fine. But there are several electronic payment systems. They all have their own characteristics and their own tariffs. So which wallet is more profitable?

Comparison of e-wallets

There really are a lot of wallets. However, not all of them are common.

We simply cannot pay with exotic or unpopular electronic money. Accordingly, let's look at exactly those systems that are the most popular and widespread.

First of all, I will list the electronic wallets themselves and give a brief description of them. And then let's move on to comparison.

This is a Russian payment system. It is well distributed in RuNet, convenient and profitable to use. Ideal for those who make money online.

This wallet is multi-currency. We . Including the most common currencies and the currencies of Russia's neighbors.

That is, we can get a Ya.Money card and pay it in stores in different countries around the world. We can go, for example, to the beautiful Ukrainian city of Lviv. And, calmly pay in local stores in hryvnia. Or, go to Turkey in the summer. Almost all stores there accept dollars or euros. Payments that are available through Yandex.Money.

And, by the way, you don’t even have to take the card with you on your trip. Yandex.Money works with Apple Pay, Samsung Pay and Android Pay. This means that you can link the card to your phone and pay with your phone. As if you were paying by card. Leaning it against the terminal in stores. About half of phones support this feature. Even in the budget segment.

Another advantage of Yandex is the absence of commissions for transfers within the system. But only if you make a transfer through a mobile application.

Quite a young, but very convenient system. Allows you to work with dollars, euros and rubles. The main advantage of AdvCash is the absence of commission for internal transfers.

The main disadvantage is that it is not always possible to issue a plastic card of this system.

This is the first and most widespread cryptocurrency. It is used everywhere, and even increases in price. Plus, the system is very transparent and secure. True, sometimes, due to its peculiarities, settlements with bitcoins are delayed. Each operation requires several independent confirmations. Confirmations may not come immediately. And this is the main disadvantage of bitcoins.

A convenient wallet that allows you to work in dollars, rubles and euros. The system is popular and widespread. Tariffs are slightly higher than competitors. But the system is very versatile and secure.

Second echelon

The system is used in the largest online auctions such as eBay. The system is very convenient when making online purchases. It is also ideal for eBay sellers. But for other situations PayPal is absolutely not suitable. Outside of online auctions, it is absolutely not widespread or popular. In addition, it is very expensive in terms of exchange/withdrawal of funds. So, I suggest not considering it further.

One of the most popular payment systems in the world. Funds can be stored in dollars, euros and bitcoins. "PM" combines high payment speed, good security and low tariffs. This system is considered to be the most confidential. No government organs do not control it. Can't track payments.

This is a system that is used only in gambling. And nowhere else. Therefore, I propose not to even consider it further.

A once popular payment system in Russia. Now, in my opinion, it is in decline. In principle, the system is not bad. Works with rubles and dollars. Internal transfers are carried out without commission.

Please note that creating a wallet and maintaining it is free for all systems.

Features and tariffs of electronic wallets

Drawing conclusions about wallets

Internal transfers are cheapest in AdvCash and QIWI and Yandex.Money. Perfect Money and Payeer also have low commissions. It is also beneficial to use bitcoins. But not for small amounts.

All systems allow issuing a payment card. In my opinion, Yandex.Money and QIWI have the best conditions. Their obvious advantage is the low price and ruble denomination of the card. In addition, both systems offer us modern premium cards. With the possibility of contactless payments and the 3D Secure security system.

Cards of other systems are expensive, denominated in dollars and in themselves inconvenient. They cannot be used to pay contactlessly. And online shopping will be difficult in some cases.

If we still talk about a dollar card, then the Payeer card is the cheapest and most convenient. Both virtual and regular.

Cashing out dollars is about the same everywhere. Both in terms of the course and in terms of commissions. But it is definitely more profitable to withdraw rubles through Yandex.Money and QIWI. First of all, due to the fact that there is no need to convert funds.

Also, you can withdraw money from any electronic wallet using. To do this, simply change money from your e-wallet to money on your bank card and withdraw it from an ATM. Please note that changing WebMoney is time-consuming and quite labor-intensive. The rest of the systems exchange. Moreover, in many cases the exchange occurs instantly.

About the disadvantages of wallets

The systems that are the most secure are Perfect Money, Advanced Cash, Bitcoin (where you can track and verify every transaction) and WebMoney. But WebMoney's security implementation is extremely inconvenient. In general, the security of other systems is also high.

Yandex.Money + AdvCash - my favorite combination of payment systems

Since I started talking bad about WebMoney, here’s another stone in their garden. Almost all of the systems under consideration, except WebMoney, are completely confidential. That is, the same tax service does not see them and will not check them. And in WebMoney it’s easy. At the same time, I recommend everyone to be conscious and pay taxes honestly.

If you use Yandex.Money, you will also be under surveillance. Oddly enough, this system, for the most part, belongs not to Yandex, but to Sberbank. That is, the largest state bank in Russia. Naturally, the tax office simply shoots down all transactions in Yandex.Money. If you want privacy, use another wallet. If you have nothing to hide, feel free to choose Ya.Money. This is a cool and convenient system.

Which e-wallet is better?

Ultimately, each e-wallet has its own advantages. Therefore, I recommend having two or three wallets at the same time.

So which e-wallet should you choose? In my opinion, it is optimal to create a Yandex.Money wallet and Adv Cash (or Payeer). When paired, they can achieve most goals. At the same time, both are economical and easy to maintain.

Which electronic wallets are closer to you?

I would be grateful for your opinions, questions and comments about which e-wallet is better to choose.

I wish you all profitable investments!

23.07.2019 23.07.2019

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” is associated with the Old Slavonic concept of “purse”, which meant a soft oblong bag with a tightening neck, leather or fabric, intended for money.

Purse, purse, wallet, purse, purse, coin box, money clip- all these words mean objects familiar to us, without which it is difficult to imagine everyday life.

The digital economy has given a new concept “ online wallet” – a service for working and storing cryptocurrency.

Since virtual money is only valid on the Internet, then e-wallets exist only online. They are outside the control of banks and offer users all the functionality of a traditional wallet, expanded with the unique properties of digital money.

Today we’ll figure out why electronic wallets are needed and which one is better to choose.

What is an electronic wallet

To better imagine what an electronic wallet is, let’s draw a simple and understandable analogy with a more familiar payment method - by bank card. Each of you is a client of one or another bank, has one or more plastic cards with a certain balance in the account.

They allow you to pay for purchases offline or online, and you can use them to cash out funds stored in your bank account.

The electronic wallet that we will talk about was also created for transactions with monetary assets, but only digital ones. Of course, you won’t be able to pay in any supermarket with virtual money yet, but fast, profitable and convenient transactions on the Internet provided for you.

If up to this point you have not had to use such services for personal or corporate purposes, then today a useful discovery awaits you. Electronic wallet – what is it and how to use it?

The essence of electronic wallets: why is it needed?

Getting yourself an electronic wallet is not a problem. There are many offers, they are all freely available - download, install on your computer or other convenient device and use it.

But another question is how, where and what to use it for. After all, any service should come first effective and bring practical benefits. Therefore, before we talk about the process of creating eWallet and its application, let’s deal with the question “ Electronic wallet: why is it needed?”

The first people users associate with electronic money are freelancers, that is, those who work remotely and receive remuneration through the network.

An electronic wallet is the optimal tool for moving money on the Internet from customer to contractor.

It is much more profitable for the former to transfer funds to a freelancer’s wallet number than to make a bank transfer and pay a commission. And the latter receive their fee faster. At the same time, everything is safe and confidentially.

Electronic wallets are also actively used by those who makes money from cryptocurrency exchange. But even if you are not a freelancer and do not use cryptocurrency as a source of income, an electronic wallet will be useful for you. Digital money fits more and more tightly into our lives, and its practical application is expanding. Now you can use cryptocurrency to pay at a bar, pay for goods purchased in an online store, or any other service.

In fact, all Internet business and online commerce work thanks to electronic payments.

In addition to the ability to quickly and without commissions make online payments for goods or services, the user of an electronic wallet can make the most various settlement operations, and if necessary Easily convert electronic funds into real money.

Wherein creating an electronic wallet is faster and easier than opening a bank account or getting a card. This can be done online, without having to visit a bank branch and waste time in line.

It is also worth having an electronic wallet because payment system commissions are much lower than bank fees. Financial institutions incur large costs to pay large staffs, maintain office space, and other management costs that electronic payment systems do not have.

Therefore, the commission for carrying out this or that financial transaction is much less.

Some more advantages of using electronic payment methods:

• Online wallet easy to use: you just need to enter his number;
• You can have one multi-currency wallet and open it in several separate accounts in different currencies;
• Operations with electronic money are executed instantly or within minutes, while bank transfers can take several business days.

Thus, an electronic wallet is needed:

• everyone who works as a freelancer: designers, translators, editors, journalists, programmers, etc.;
• Internet business owners;
• online shopping followers;
• creators of websites, blogs, and public pages on social networks who make money from advertising;
• players at bookmakers, fans of online casinos;
• anyone who needs to pay for goods or services remotely.

Simply put, Everyone needs an e-wallet.

Rating of the best electronic wallets

Electronic wallets are designed for convenience. With their help, the user carries out more efficient and profitable transactions than traditional banking institutions offer. Some of them are equally effective for working with fiat and cryptocurrency. Others offer better conditions for transactions with Bitcoin and do not charge fees for replenishing a deposit with cryptocurrency.

If you are in doubt which e-wallet is better to choose, refer to ratings and study the most popular services, tools and conditions they offer.

However, there are now many popular electronic wallets, but finding the best one in this variety, that is, profitable and reliable, is not so easy.

Choice depends on specific goals user: what kind of banknotes and what he is going to use for. There are universal multifunctional wallets that are suitable for working with any currencies. Or you can choose a service that is designed taking into account the financial realities in which you live and that most accurately meets your specific request.

Below we present the best tools for working with fiat money and cryptocurrency in Russia.

Date of creation: 2012

Positioning: “Your personal wallet”

Peculiarities :

• account verification is not required;
• no limits;
• transactions with zero commission worldwide;
• mass payments via API without restrictions;
• 150+ ways to top up your wallet;
• >15 million; users;
• anonymity;
• no blocking of user wallets;
• PAYEER MasterCard Platinum card (works in 200+ countries of the world, but since October 2017 blocked for Russia);
• multi-level referral program;
• the opportunity to open your own and receive discounts from Payeer from 20% to 40%;

Date of creation: 2014

Positioning: “Advanced Cash. Money + internet = simple”

Peculiarities :

• versatility and multifunctionality: electronic multicurrency wallet, virtual and plastic cards, mass payments, currency exchange,
• instant money transfers to 200 countries;
• easy registration;
• any transactions within the network - no commission;
• full-fledged work with dollars, euros, rubles and hryvnia;
• replenishing the deposit with electronic money, through Internet banking, non-cash or using an online exchanger;
• different options for withdrawing funds: to a bank card, in electronic currencies, through exchangers to a bank card or to popular payment systems;
• payment for services of mobile operators: MTS, Beeline, Megafon, Tele2;
• plastic and virtual MasterCard cards, allowing you to pay without commissions and withdraw cash anywhere in the world;
• high level of security;
• prompt and competent technical support.

3. Perfect Money

Date of creation: 2007

Positioning: “Ideal money”

Peculiarities :

• official website supporting 23 languages;
• daily turnover >$2 billion,
• processing > 40 million transactions per day;
• low commissions (0.5% for verified accounts);
• payment for goods and services on the Internet in a convenient currency;
• purchasing fiat and digital currencies online, as well as precious metals;
• replenishing your wallet in different ways: bank transfer, e-Voucher, online exchange offices, Bitcoin, credit;
• secure storage of funds and receipt of monthly payments from the account balance;
• payment information is confidential and protected from other users;
• profitable business solutions for corporate accounts;
• improved security system for user accounts;
• high-quality customer-oriented service.

Date of creation: 2011

Positioning: “There are no boundaries for electronic payments”

Peculiarities :

• client base of 500 thousand users from 100+ countries;
• annual turnover over £3.5 billion;
• processing 100 million transactions per year;
• the official website, personal account and mobile application are available in 5 language versions;
• mass transfers and transfer of funds to an unlimited number of users by wallet number, phone number or email address;
• replenishment of the balance with cryptocurrency, through bank transfers, payment systems and plastic cards;
• withdrawal of funds to a card, to a VISA, Mastercard or Maestro bank card, to a bank account, to a Yandex.Money wallet,
• ePayments currency exchanger is available even for unverified users;
• universal epayments MasterCard card for paying for purchases without commission and cashing out at ATMs both in Russia and in any country in the world;
• convenient mobile application for Android and iOS.

Types of electronic wallets

Now there are different types of systems that allow you to store money electronically and use it for any payment transactions. We are watching with interest how our reality is being digitized, how familiar things are gradually taking on a virtual shell, and following this we are spending more and more time online.

Many in Russia are moving their business to the virtual plane to make it more global and accessible to clients around the world.

Thanks to electronic payment methods, you can order goods from the farthest point on the planet and pay for it in a matter of minutes.

Online money is used for different purposes. Accordingly, you need to know what kind of electronic wallets there are and which one is better suited for a specific current task. Therefore, different types of electronic wallets are created, taking into account the wishes of clients and their goals. We are sharing with you what options are available on the e-market today.

Anonymous wallets

Electronic wallets without identification are used for the purpose of depersonalize payments. An anonymous electronic wallet cannot be associated with a specific person, since its registration takes place without a phone number, without passport data, without a registration address, etc.

Just like in the situation with cash, an anonymous electronic wallet does not allow identifying the personal data of the user who performed the operation.

Popular payment systems that support anonymity:

Electronic wallet with card

Some payment systems offer the user even more advanced functionality, since they consist of two parts: directly wallet and payment bank card. These are even more profitable because they offer absolutely free transfer of funds between wallet and card. Virtual cards are created on the basis of plastic cards, supporting different currencies.

Such cards allow you to pay for purchases online without commission and withdraw funds profitably anywhere in the world.

It is safe to use such cards on the territory of the Russian Federation, since all business processes are regulated National payment card system, which belongs Central Bank of the Russian Federation.

List of reliable payment systems that issue plastic and virtual bank cards:

Wallets without commission

Each e-wallet has its own advantage. While some prioritize anonymity and impersonal payments, others choose a service that differs no commissions or minimal commission fees.

The most popular e-wallets without commission:

Wallet	Address	Commission
	ePayments – 0%. Bank card/ Yandex.Money/ WebMoney/ QIWI – 2%
	Advcash – 0%. Visa / Mastercard / World cards – 2.95%. Yandex.Money/QIWI – 2.95%
	ePayments – 0%. Bank card – 2.9%. Yandex.Money/ WebMoney/ QIWI – 2%
Perfect Money		Bitcoin – 0%. Perfect Money – 0.5 – 1.99%. Bank transfer – from 0.5%

How to create an electronic wallet

When you have decided which payment system you will work with, you need to go to the website, download the e-wallet and register it in the system.

This can be done without much time or money: fast and free.

Depending on the selected EPS, different data confirming the user’s identity may be required. It is important to make up-to-date and truthful information: These are both system requirements and your personal safety.

For example payment system, one of the most popular in Russia, we’ll tell you how to create a wallet and use it to manage your digital finances.

Step-by-step instructions on how to create an electronic wallet in PAYEER:

Each registered user of PAYEletter ER in his account can make 4 accounts - in RUB, USD, EUR, BTC - and carry out quick and easy exchange between them inside the wallet. If you use Android, you can download the official PAYEER wallet for free on your smartphone.

Security is important when working with any electronic payment system. Despite the fact that identity verification in PAYEER is not required, it is still better to identify your account. This will not only secure your accounts, but will also allow you to use the full functionality of the payment system without any restrictions.

To identify your account in PAYEER the system requests the user's first and last name, as well as scans of documents: identification (passport, international passport, driver's license) and confirming residential address.

Data verification takes up to 48 hours. After this, the account type changes to VERIFIED. You can also have an account on PAYEER link to a mobile phone or Telegram channel, and each time you log in, the system will send a verification code.

As a rule, popular payment systems offer clients a large number of options for replenishing an electronic wallet. You can top up your account in one currency or another immediately after registering and logging into your personal account.

Payer supports >150 ways to deposit money into your e-wallet. First you need to choose which account you will replenish ( ruble, dollar, euro or bitcoin) and indicate the deposit amount.

Most often, to replenish a PAYEER wallet they use bank card, payment terminals or transfer funds from another electronic wallet.

Top up your e-wallet with a bank card

To top up your PAYEER electronic wallet from a bank card, you need to log into your account and transfer money from the card of the bank of which you are a client to your account number in the payment system. You will find detailed instructions for replenishing your account using a card on the Payer website in your personal account.

Top up your e-wallet through payment terminals

If you deal with cash, then you will need a payment terminal or any other payment acceptance point. Using this device, you can exchange currency for electronic money with subsequent crediting to your wallet account.

Transfer from another wallet

There is a way to transfer money to a Payer e-wallet from a wallet registered in another payment system. For example, you use QIWI. To top up your balance via QIWI, in your personal account on the payer, in the Top up tab, indicate the currency account and deposit amount, and select QIWI WALLET as the payment method.

To complete the transfer process, you must indicate on the confirmation page QIWI wallet number. The system displays the total amount of the transaction, taking into account the commission of the payment system and gateway.

Payment by electronic wallets

We didn’t just replenish our wallet, but to use funds for online payment for certain goods/services. This is the convenience of using electronic payment systems, because they offer wide possibilities for mutual settlements online, and you don’t even need to leave the house.

Digital banknotes are accepted by many online stores, and their list is constantly expanding.

Using electronic money you can pay for any product, mobile communications, travel, air tickets, utilities and other services.

Funds stored in e-wallet are safe to use when playing in online casinos. Many people use the payment system as an analogue of a bank account to receive payment for work or make international transfers.

EPS are also convenient to provide services or sales of goods, while the second party to the transaction may be located anywhere in the world. In addition, neither party needs to provide each other with personal information and bank card details.

How to cash out virtual money? Is it possible to withdraw funds from EPS to a bank card or active bank account? Of course, there are several ways to withdraw money from an electronic wallet.

Withdrawing money from an electronic system involves a commission. Cash withdrawal rates range from 2.5 to 5%, depending on the specific EPS. You can withdraw the entire amount stored in your virtual account at once, or you can turn virtual money into real money gradually, as needed.

Thus, in the payment system the average withdrawal commission is 2.9-5%. Funds from the peer wallet can be withdrawn to a bank card, electronic payment system, mobile operator account, etc.

In order to withdraw money from PAYEER wallet, you need to select the Transfer tab in your personal account, indicate the withdrawal amount and the payment destination. Based on the specified parameters, the system calculates the withdrawal commission and limits.

For example, when transferring funds from PAYEER wallet to QIWI, the commission will be 2.9%, and the minimum and maximum withdrawal amount will be 1 USD/EUR / or 10 RUB and 200 USD/EUR / or 15,000 RUB, respectively.

Withdraw to bank card

To transfer funds to a bank card, you must first link to your PAYEER account. This is easy to do: you just need to enter the code from the received SMS message. However, the process of adding a card may take some time, since the system needs to verify the data. The advantage of this method is speed of operations: The transfer is carried out almost instantly. The disadvantages include quite high commissions to the conclusion.

Use the service of exchangers

Electronic wallet exchangers will help you withdraw funds on more favorable terms. It will tell you which third-party service is better to choose.

On the payment system website, copy the wallet number, and then fill in the fields Give/Receive. Based on the specified parameters, the service will display best exchange offers, go to website of a specific exchange office and perform an operation to withdraw funds from the payment system.

When working on the Internet you need to get paid somehow. Few customers will agree to transfer money directly to a bank card (although this happens); it is much easier to send a payment using electronic money. But even here, not everything is so simple, because there are many wallets and it’s difficult to decide.

Let's see which e-wallet is better to choose, focusing on the size of the commission, its functionality, available currencies and other nuances.

An electronic wallet is a service or program that allows a person to receive, store and spend electronic money. In other words, it is a bank account on the Internet. You can top up your balance at any time or transfer money to your card to cash out electronic currency. But this is a topic for future articles, so if this interests you, subscribe so you don’t miss it.

Electronic money is now more popular than ever before, as more and more people are starting to use it. They are used not only to pay freelancers, but also in stores. It is much safer to pay for purchases with electronic currency rather than showing your bank card details.

If you don't want to create multiple online wallets at once, you need to choose a single option wisely. After all, each of them has its own characteristics, nuances, advantages and disadvantages. This is exactly what the article will discuss.

How are wallets different?

• Method of replenishing the balance: through an ATM, through a mobile phone, through a special card, by terminal, etc.
• Commission for transferring money.
• Supported currencies: rubles, dollars, euros, etc.
• Security of personal data and transfers.
• Popularity of the online service.

Beyond this, there are other differences to consider. But in general, it all depends on your preferences and purposes of use.

Popular e-wallets

There are a lot of payment services if you evaluate the entire Internet. But in Russia and the CIS, three wallets are especially popular: WebMoney, Yandex.Money and QIWI.

If you have the opportunity and desire to have several wallets, these three (or even the first two) will be enough for comfortable work at first.

1. WebMoney

The most famous and popular payment system. The international service has been operating since 1998, it allows you to receive money in a variety of currencies (WMR - rubles, WMZ - dollars), so when working with foreign customers - this is the number one wallet.

WebMoney is accepted on all online services and stores where it is possible to pay via the Internet, so you definitely won’t go wrong with your choice. Most customers prefer to pay for work via WebMoney. You can withdraw money to a bank card or cash out in special services.

Commission for transfers is 0.8% of the amount, but not less than 0.01 WM.

If you need to choose which e-wallet is better, I will definitely vote for WebMoney. The most functional, safe, international and generally very convenient.

The main advantages include:

• Simple identification - just send a scan of your passport and you can already use the main functions of the service. There will be only minor restrictions that will not interfere with the average user.
• Many additional functions (for example, receive or issue a loan).
• Security at a high level.

Instructions for registration are in this article.

This is a Russian payment system created by Yandex. We launched the service in 2002 specifically for residents of Russia, so you can only work with Russian currency.

You can top up your account using terminals, ATMs, bank branches, mobile offices, etc. There are also many opportunities to withdraw money - transfer it to a Yandex.Money card or to a regular card.

There are no commissions for many transactions, but there are exceptions. When transferring to another user, 0.5% of the payment amount is withdrawn. Upon withdrawal, 3% of the amount + 45 rubles will be withdrawn.

I like Yandex.Money for its simple and beautiful interface, you don’t need to spend a long time figuring out where and what – everything is extremely clear. Just right for beginners.

Overall, a good wallet if you are going to conduct transactions only within Russia in rubles. For other purposes, it is better to create WebMoney. Read about registration and confirmation of the YaD wallet in this article.

3. PayPal

An international payment system, you can use it to pay for purchases in almost all online stores. You can top up via card

The system became available in Russia not so long ago, so for now it is only gaining momentum, but is already in great demand. But abroad, you can safely use this e-wallet - it is number one there.

You can withdraw money directly through the system, but only to a confirmed bank account. The minimum withdrawal amount is 300 rubles.

The commission for transfers within the country is not charged (to PayPal account). When paying by card - 3.4% of the amount + 10 rubles. In international payments 0.4-3.4% (depending on the country).

PayPal is not yet very popular among freelancers, so not many clients offer payment to this wallet. Therefore, I don’t recommend making it your main one; you may end up without payment.

The payment system is great for purchases in foreign online stores, but apart from Amazon and Aliexpress, they do not support PayPal.

Personally, I don’t like this payment service at all, but it is gaining popularity. The wallet is linked to a mobile phone number; this “trick” simplifies working with finances.

You can top up your balance not only through a card, mobile phone, ATMs, but also through payment terminals, which can be easily found in Russia.

Supports four currencies: rubles, dollars, euros, Kazakhstani tenge. You can order a QIWI card to pay for purchases in offline stores with electronic money.

Commission is about 2% for any transactions.

To choose which e-wallet is best for you, you should think about why you need it. For online shopping within Russia, any of the above wallets is suitable, but for foreign payments or working on the Internet it is better to use WebMoney.