Greetings to all my regular readers, investors and guests of my blog! This article opens the “electronic money” section, and to begin with, I suggest you familiarize yourself with the concept of electronic money and find out what electronic payment systems (EPS) are.

I strongly advise you to study this article, because for us, as investors, this topic– this is actually the basis, because investments on the Internet are inextricably linked with electronic money.

In today's article we will discuss the following questions:

Most of us have long been using electronic payment systems when paying for various purchases and services on the Internet. EPS are also used to transfer funds to your friends and relatives around the world.

Payment using electronic money on this moment is one of the three most “favorite” methods of payment by bank transfer among people aged 12 to 55 years.

So, what is electronic money for?

• Well, firstly, most of us use electronic money when paying for various goods and services on the Internet;
• Secondly, we also use them to transfer funds to our friends, relatives, etc. around the world;
• And, of course, we Internet investors are interested in electronic money as a tool for replenishing and withdrawing funds in online investments.

Electronic money - what is it, when did it appear?

Electronic money is the currency that you and I use when paying or investing on the Internet. With the help of these virtual units, calculations are carried out - usually in real time.

This type of money is becoming increasingly popular, as it makes it possible to make payments between people not only in different cities, but also in countries around the world.

In fact, ED can be equated to real money that is stored on our plastic cards or accounts.

Electronic money can be completely freely exchanged for real currency (for example, you can exchange dollars from your Perfect money wallet and withdraw it to a ruble or dollar plastic card at the current rate).

By the way, I recently wrote a detailed comparison of bank plastic cards, with which you can freely withdraw dollars from ATMs around the world: you can read this review

Additionally, I would like to draw your attention: do not confuse electronic money and funds on your plastic card or bank account - these are different concepts.

Payment systems - a brief excursion into the history of electronic money

In general, the term payment systems and electronic money first appeared in the 70s of the twentieth century, and for quite a long time the circulation of such money was very limited. In our time, the range of use has become much greater.

At the moment, for example, the lack of the possibility of paying with electronic money on the website of an online store is already perceived as bad form: after all, with the help of electronic units we can easily purchase a ticket for any type of transport, top up our mobile phone balance, pay for housing, and, of course, invest funds in order to receive passive income!

So, to summarize:

Electronic money –it is fast, reliable and convenient for carrying out financial transactions online, making investments, and maintaining anonymity. The modern financial market is increasingly turning to the attractive conditions of Internet systems.

Electronic payment systems - principles of operation

EPS are companies that introduce their own electronic money into use and invest it in development innovative technologies. There are quite a lot of examples on the Internet of large companies that have created their own EPS, for example, Yandex.Money.

ED of one system can be exchanged for the currency of other payment systems at a certain rate with a certain commission for the transfer.

Yes, of course - all EPS that are registered in a certain country are required to comply with the law. However, financial transactions on the Internet are extremely difficult to track, so legislation is not yet strictly regulated.

Moreover, many EPS are officially registered offshore, which means they are not subject to regulation in other countries, which gives them certain advantages for their use.

How do EPS earn money?

The earnings of such systems are based on commissions charged for conducting transactions, exchange operations and other trading relationships between clients. In other words, EPS are the same banks, only on the Internet.

Advantages of using electronic money and electronic payment systems

• Work on conditions of anonymity - the ability to make payments and transfers without specifying personal data;
• Efficiency of transactions for transferring money, paying for services and purchasing goods;
• Low commission for payment: moreover, many electronic payment systems do not charge interest at all for payment, such as the ADVCash system;
• The most simplified procedure for creating an electronic invoice;
• High level of protection during operations;
• The ability to transfer funds to a bank account and to plastic cards, as well as instant replenishment of wallets.

Types of EPS

As I mentioned earlier, all EPS issue their own currency. Some of them are recognized throughout the world, while others operate only within a few countries.

That is why, before choosing a particular system, you need to clearly determine for what needs it will be used. Of course, no one limits you to one system: I personally have wallets open in most payment systems, and I actively use them.

Let's take a quick look at the most popular systems (I've ranked them in my priority order):

Perfect Money.

The undoubted leader of this review. I personally use it to participate in many investment projects.

The year of foundation of this system is 2007. Perfect Money is often used for financial transactions by both individuals and legal entities. This payment method is accepted in 99% of investment projects, which makes it very popular in the investment environment.

Perfect Money Finance Corp received an offshore license (Panama), so it is almost impossible to influence it in any way. More detailed review and how to create a wallet in this system is posted on my blog on this >>>

AdvCash.

The second most popular EPS for me personally.The system is relatively young, and its active development began only in 2014.

Initially, many investment projects did not use it as an opportunity to invest funds, but more and more often I see the opportunity to invest through this payment aggregator.

Moreover, the AdvCash service is constantly developing, and it is planned to release special program for IOS and Android. A huge advantage of this system is the ability to issue a MasterCard bank card, with which you can pay for purchases and withdraw cash in dollars in more than 200 countries around the world, including the CIS countries.

I also wrote a detailed article on this system, I recommend you read it.

Payeer.

It is also quite popular among investors online.This payment service began operating back in 2012 and quickly gained popularity on the Internet among brokerage companies and electronic stores.

The company began active expansion online, including in the US and Europe, and as a result, the number of users is already more than 15 million.

The advantage of this system is the absence of mandatory identification, the presence of your own exchange points, and the ability to issue your own bank card, similar to AdvCash.

But I want to note that the commissions in Payeer are less humane than in AdvCash. You can learn more about the advantages and disadvantages of this system in my review on this >>>

OkPay.

Also a popular EPS, which is in demand among investors and is recognized by many investment projects. It was launched in 2009 (the system was registered in the British Virgin Islands). OkPay is also used for payments by both individuals and legal entities and is recognized in more than 200 countries around the world.

The system is easy to use, moreover, it was the first system among offshore wallets that offered its clients the issuance of a bank card. Personally, I actively used it before, despite the increased commission, but for a long time it was the only alternative for withdrawing dollars from an ATM.

But with the advent of AdvCash, I began to use this system less actively, although I periodically invest through it. I also wrote a review on OkPay, I recommend you read it >>>

PayPal.

It has been operating since March 2000 and is part of the structure of the Ebay company, through which goods are purchased online (online stores, individuals). The PayPal system is recognized in most countries of the world, although in some of them there are restrictions. This system is used by more than 140 million users; it allows transactions with 26 currencies.

In the CIS countries, this EPS is not very common, but development is still underway: since 2013, it has become possible to withdraw rubles to bank accounts and cards, albeit with a high commission.

I am registered in this system, but I use it exclusively for purchases on Ebay. If you plan to invest online, this system is not suitable for this in principle, so you don’t have to waste time registering.

WebMoney (WebMoney).

This EPS occupies a leading position both in the Russian Federation and in the CIS. From a legal point of view, WebMoney Transfer is not a payment system, because it does not issue electronic documents. However, this does not change the essence - this payment system is actively used by users, the number of which is more than 25 million. WebMoney was founded even earlier than PayPal - in 1998.

Some investment projects include this system to accepting payments, however, it is worth noting that in case of complaints about unfair work, the system quickly responds and blocks the user’s wallet. Competitors take advantage of this to block payments from investment projects, which leads to panic and negative reviews(the project does not pay, etc.) and early closure of the investment project.

I use it extremely rarely and only out of urgent necessity: I am personally irritated by the high percentage of commissions for transactions, as well as extortionate interest rates when withdrawing funds.

Yandex money

The second most popular EPS within the Russian Federation. The system was launched in 2002 and is part of the Yandex company structure. Transactions are carried out in ruble equivalent. Mainly used in the Russian Federation.

The system was created in collaboration with a foreign partner PayCash: as a result of this cooperation, Yandex Money LLC appeared.

In this system, I also have a wallet, but I try to use it to a minimum. The reasons are the same as WebMoney: extortionate commissions for transfers and withdrawals of funds. I rarely see this system in investment projects, apparently for the same reason as the situation with WebMoney - account blocking.

It is possible to order a bank card, but reviews on the Internet about its use are quite contradictory. I haven’t ordered one for myself, so I can’t express my opinion about using this card. Whether to use this system or not is up to you personally.

Qiwi.

Another popular EPS, launched in 2007. It operates in the following countries: Russia, Belarus, Moldova, Kazakhstan, America and a number of other countries.

The advantage of this system is the large number of machines through which you can top up your balance and transfer funds.

I have a wallet in this system, but a couple of years ago I was blocked from withdrawing funds. I never heard a clear explanation from support, and the blocking was eventually lifted, but an unpleasant aftertaste remained. Another disadvantage is the high interest rates when withdrawing funds from this wallet.

Finally

Before registering in a particular system, first decide for what purpose you plan to use it. If your goal is, then I recommend Perfect Money, AdvCash, Payeer and OkPay: after registration you will need to top up your wallet usingexchange offices (BestChange), and then move on to investing on the Internet.

When registering with EPS, I strongly recommend that you provide your real data, because:

• firstly, in most systems you simply cannot withdraw money without this;
• secondly, this will be proof that the wallet belongs to you - if attackers steal your password and hack the wallet.

I hope I was able to convey to you in as much detail as possible information about what electronic payment systems are and how to use them.

You also have the opportunity to find out where I invest my money: investment projects are presented in my portfolio using the links below:

Today we will talk about electronic money And electronic payment systems(EPS) is another very important topic, without understanding and, accordingly, practical application which will be difficult to conduct fully. It is simply necessary to use electronic money in different ways of working and earning money on the Internet, some types of investing, when making transactions, and in other cases, which I will consider on the pages of Financial Genius.

So, first things first.

What is electronic money?

Electronic money is a virtual monetary unit through which all kinds of payments are made on the Internet. As you know, the World Wide Web now covers more and more areas of human life every day, and accordingly, the need for convenient and fast payments between users, including those located in different countries, is growing. This is precisely the function that electronic money takes on.

These are, in fact, the same banknotes that have the same value as real money or funds in bank accounts, with the difference that all of their circulation occurs exclusively on the Internet. Electronic money can also be in different currencies, they can be exchanged for real money and vice versa (this operation is called input/output of electronic money).

Electronic money and non-cash funds in bank accounts are not the same thing! Under no circumstances should they be identified!

Initially, electronic money was used to make a narrow range of payments, but now it is in very wide circulation, and the scale of its use is constantly growing. Many offline enterprises have already begun to accept the currency of popular electronic payment systems for payment: with its help, for example, you can buy air and train tickets, pay utility bills, and top up accounts mobile operators, pay for the Internet and cable TV, etc.

Different countries may use different definitions of electronic money, stated in legislative acts. Most users of electronic money are attracted by their relative anonymity and the convenience of quickly making payments on the Internet.

Electronic payment systems.

Electronic money is issued by electronic payment systems (EPS). These are companies that issue virtual banknotes, develop and implement technologies for their circulation, and provide all operations with their electronic currency. Often electronic payment systems are part of the largest Internet corporations, one of the areas of their activity (for example, Yandex.Money, currencies of the largest social networks, etc.)

Each EPS issues its own electronic money, which can correspond to different real currencies. Different electronic payment systems have different levels of development, different functionality, different coverage networks, and different purposes. As a rule, electronic money is one payment system You can exchange another EPS for currency, but not always, in addition, such an operation will require a certain commission.

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

Electronic payment systems make money from commissions that are charged for all transactions with their currency.

Just as banks are the “circulatory system” of the economy of any state, electronic payment systems are the “circulatory system” of e-commerce - these are the main, but not the only areas of their use.

Types of electronic money.

As I already wrote, each EPS issues its own types of electronic money. Some of them have already acquired international significance, some are used in limited circle countries, some never went beyond the borders of their issuer.

Plays a very important role for the future user right choice electronic money systems. Every person needs an electronic payment system that will fully meet his specific needs. If necessary, it is always possible to register in several EPS at once.

Electronic payment systems of the world.

1. PayPal. Today it is the most popular global payment system, operating since 2000. It is a structural division of the American company eBay, which specializes in conducting online auctions. Currently, the PayPal payment system operates in 203 countries around the world, although in some of them it is not possible to use the full functionality of EPS, it operates in 26 world currencies, and the number of its users is approaching 140 million.

In Russia and other CIS countries, PayPal has not yet become widespread, inferior to Russian payment systems, since there are no wide opportunities for replenishment, and especially withdrawal of funds. However, it is gradually developing here too; for example, since September 2013, withdrawal of Russian rubles from the system to accounts in Russian banks has become available, albeit with a fairly large commission. PayPal's main currency is the US dollar.

2. E-gold. A payment system that issues electronic money primarily in gold (based on the number of trinity ounces), as well as in other precious metals. Over the past few years, the e-gold system has become popular among Internet scammers and is actively used in the activities of online casinos and all kinds of virtual games for money. IN last years e-gold is going through hard times: its founder was arrested, and transactions were periodically blocked.

3. Perfect Money. An electronic payment system created in 2007 and operating primarily in euros, dollars and gold. It has also become famous for its use in many HYIPs and financial pyramids, however, it is quite popular in global payments between individuals and business representatives, and is actively used to pay for goods and services on the Internet.

Some other electronic payment systems in the world can be noted: AlertPay, Google Wallet, Moneybookers, Elios Gold, e-Bullion, ePayService, etc.

Electronic payment systems of Russia.

1. WebMoney (WebMoney). The undisputed leader among payment systems not only in Russia, but also in other CIS countries, also has a certain circulation around the world, although, for example, in Germany, the activities of WebMoney are prohibited by law. Legally, WebMoney Transfer is not a payment system, since it does not issue electronic money, but the so-called. “title units”, through which the transfer of monetary rights of claim is carried out. The company itself was created in 1998 and declares its activities as “an international payment system and environment for conducting online business.”

Today, there are about 25 million participants in the WebMoney system, while WebMoney wallets are used by about 35% of Runet users. In total, the system uses about a dozen electronic currencies (including special credit currencies), including equivalents of the currencies of the CIS countries, the world currencies of the dollar and euro, as well as gold.

2. Yandex money. The second most popular electronic payment system in Russia, founded in 2002 as one of the structural divisions of the largest Russian search engine Yandex. For payments, Yandex.Money uses the electronic equivalent of the Russian ruble. The system is designed to support Internet business and e-commerce primarily in the Russian Federation, although it is also in small circulation in other CIS countries.

3. Qiwi. It is also a fairly popular electronic payment system in Russia, although, of course, compared to the first two, it loses. Qiwi electronic money appeared in 2007 and is used as a means of not only electronic but also non-cash payments (using a Visa card). In addition to Russia, the QIWI system operates in 7 more countries, including Belarus, Kazakhstan, Moldova, the USA and others.

Among other Russian EPS we can highlight RBK Money, Single Wallet, Z-Payment, PayCash, ICQMoney, currencies of social networks VKontakte, Odnoklassniki, Moy Mir, etc.

Ukraine has created its own payment system Internet.Money, and in Belarus – EasyPay. But in terms of popularity and payment volumes, they are significantly inferior to Russian WebMoney.

How to use electronic money?

All electronic payment systems operate on approximately the same principle. To become an EPS participant, you will need to register in the system (this must only be done through the official website!) and open one or more electronic wallets, depending on the need.

When choosing an electronic payment system, pay attention to the fact that it can provide all the capabilities you need and provide convenient and accessible ways for you to deposit and withdraw money.

The registration procedure is free in most cases. In some cases, it will be enough to carry out online registration on the website, while in others you will need to download and install a specific application to work in a specific EPS. Such applications exist for both desktop and mobile devices.

Then it all depends on how you plan to use electronic money. If you need to accept them as payment for your services (for example, if you - ), you must give your e-wallet number to the person who will make payments to you.

If you yourself want to pay for something with electronic money, you will need to top up your wallet using real money. There are different ways to do this, each EPS has its own: using international plastic cards, through payment terminals, bank accounts, exchange offices, etc.

When registering in the payment system, you must use your real data, otherwise you may have problems with withdrawing funds. In some cases, especially for large transactions, you will need to provide your passport data in scanned form.

All services of electronic payment systems are protected different ways security, but the user must also take care to protect himself from all kinds of scammers, of which there are always plenty on the Internet.

Carefully study the information on the website of the electronic payment system, follow all instructions and try to provide the highest possible degree of protection for your electronic wallets. Remember that this is, in fact, the same money, and its loss will negatively affect the state of your personal finances.

This was general introductory information about electronic money and electronic payment systems. In future publications on I will consider some of the EPS in more detail and dwell on important points related to the use of electronic currencies. Stay with us, stay tuned for updates and improve your financial literacy. See you again!

A payment system is a system for the exchange of transactions and settlements between financial partners: banks, institutions, shops, etc. In the broad sense of the word, these are intermediaries between the buyer and the seller.

The functions of the payment system are stable turnover Money by using bank cards. When paying with a plastic card, a special terminal sends a request for transfer financial resources buyer to his bank and from there transfers the required amount to the seller’s account. All calculations occur in real time and take no more than 10 seconds. There are many payment systems that control money circulation within the state, locally within a credit institution and between countries. There are also electronic payment systems for making payments online.

International payment systems

International payment systems provide access to financial transactions in all countries, which allows you to pay for purchases and services without reference to territoriality. This is the most secure type of payment systems. To service international systems, the most modern computer technologies are used, which are constantly updated and help to resist fraudulent attacks and ensure the security of personal data at a high level.

The most popular in our country are Visa or MasterCard. The world's major systems also include American Express, Diners Club, and JCB.

Visa

The Visa payment system appeared in America in the 60s of the last century. For this reason, one of the features of the Visa payment system is that it is focused on transactions in dollar currency. There are four types of cards - debit cards, credit cards, installment cards and prepaid cards, which differ in the way funds are charged. This is one of the most popular types of plastic cards in the world. It is possible to make purchases, withdraw money and top up your account when using special code– a pin code that confirms the owner’s identity. Also, cards can be personalized and contain special numeric codes for safe shopping in the Internet.

MasterCard

The MasterCard system is also an American company, but transactions with its help take place using the base currency of the euro. For an ordinary buyer, this does not make much difference, but if you use the card for purchases abroad, then do not forget that the payment system will recalculate all amounts first into its base currency, and then into the currency of purchase, which may affect the amount of the commission . Purchases with MasterCard cards up to a certain monetary limit can be made without using a pin code. This makes it more vulnerable to fraudulent scams. MasterCard cards can also be personalized or anonymous, embossed or smooth.

Payment systems cooperate with both large banking giants and non-bank credit organizations, such as the Payment Center and the Kukuruza card.

National payment system MIR

The national payment system was created with the aim of uniting all local intrastate networks with the participation of the state regulator - the Central Bank. It supports the security of using payment systems within the country and offers to conduct financial transactions independently of international systems. Security lies in the fact that all information about the financial assets of clients and companies will be stored within the state.

The national payment system "MIR" began operating at the end of 2015. Today, the national payment system is used by many large banks. Cards can be debit, in addition, you can issue credit cards. Overdraft and auto payment services are also available for MIR system plastic. For additional verification during cash transactions, the cards are equipped with chips and hologram images.

The use of a national payment system can weaken the peg of the national currency to the dollar and euro. Also, this will preserve income within the state from financial payments made in Russia. But you won’t be able to pay abroad with a card yet - the MIR payment system functions only within the country.

Intrabank payment systems

Intrabank payment systems serve to speed up and order the circulation of financial resources within the bank and improve the quality of customer service. Stable operation of the banking system allows you to speed up document flow and reduce financial losses. Banking organizations receive their main income from the turnover of investments and loans. Up-to-date information can increase a company's profitability and reduce the burden on employees. Typically, private payment systems control activities within the company independently and do not involve a government regulator.

Electronic payment systems

Payment systems created for conducting cash transactions within the network differ from conventional systems in their special technologies. There are both payment systems linked to real maps international payment systems, and systems using virtual cards. The operating principle of online systems is similar to conventional ones - each registered user receives an account - an electronic wallet, which can be used to store finances or pay for purchases. You can use an electronic wallet both for online payments and to receive money from other users - many microfinance organizations now issue loans without bank cards, but directly to the client’s electronic wallet. Without electronic payment systems, using SMS loans or any other online loans would be impossible.

Due to the fact that the registration and use process is quite simple, electronic payment systems can hardly be considered secure products - knowing the account number and password, any user can take possession of someone else’s financial assets and personal data. The most popular domestic online systems are WebMoney, Yandex.Money and Qiwi. Not long ago a new product appeared from social network vkontakte. Pay for purchases on the site and mobile services it has become easier through VK Pay, which is predicted to be popular among young people. And the most widespread system in the world is PayPal, but for the CIS countries its functions are limited.

Mobile technologies and payment systems make it possible to free people from some paperwork and facilitate the circulation and accounting of financial resources. The plastic card has become an integral attribute of modern life and the use of paper money is becoming less and less popular. The choice of payment system should be based on the needs of the user, otherwise you will spend more money on fees and will not be able to use all the features of the product.

Hello, dear readers of the blog site. Electronic money is increasingly becoming part of our lives. This is connected primarily, which has now become one of the most necessary attributes of our lives.

Moreover, he has long since crossed the level when we only gained knowledge there. Now we live online - we communicate, buy, sell, pay for services, make friends, etc., etc. It is quite logical that in this environment their own systems of mutual payments arise, allowing one to move away from.

At the moment, there are already several dozen payment systems in Russia alone, and even more in the world. Of course, not all of them are well-known, but the very fact that there is competition gives ordinary users of electronic payments (all sorts of goodies to entice), which might not have existed in the absence of a fight for the client.

Of course, it will not be possible to cover all the players in one article (and there is still a wild excitement around them, which I wrote about in a separate publication), but we will definitely consider the most popular ones. At the end of the publication, I will also invite you to vote for the Internet currency that you personally prefer.

Three leading payment systems in Russia

It all started a very long time ago (mainly at the end of the last and beginning of this millennium). At that time, monetary relations began to actively develop on the Internet (e-commerce, etc.) and the only accessible form Payments were made using plastic cards. The emergence of Internet money options has made it possible to significantly simplify the process of paying and receiving payments via the network (without leaving home).

But not only on the Internet, because now various electronic wallets offer you to use those on them not only for any operations on the Internet, but also in real life. For example, a system linked to an account, with which you can pay for your purchases in real life (supermarket, boutique, gas stations and other places where cards are accepted for payment). In fact, many payment systems already offer similar services.

In Russia you can highlight 3 leading payment systems, but I think it’s unlikely to be possible to put them in their strict places. In each individual case, you will need to choose exactly according to your needs.

For example, Qiwi is truly a “people's” system and everyone who knows what payment terminals are works with it. At the same time, WebMoney is used by almost everyone who makes money in the Russian-speaking part of the RuNet. Both Yandex Money and other electronic wallets have their own audience. But first things first.

Qiwi payment system

If the main complaints about working with Qiwi (and many other systems) relate to the work of their technical support service, then in the WebMoney payment system the main problem is. Personally, I solved this problem for myself, which does not allow me to make a single payment or authorization on sites without confirming this action on my mobile phone (you receive a confirmation code in the form of SMS, or you put special application to the phone to generate it).

Also, the safety and security of this electronic money depends. There are several of them, and I wrote about some of them in some detail at one time:

You also need to understand that there are various Internet currencies that circulate within this system. Currencies, of course, are conditional (in fact, these are just title units), but are strictly tied to the official exchange rate of the real currencies coinciding with them (fiat money).

The main ones, of course, are dollars (WMZ) and rubles (WMR), but euros (WME), hryvnia (WMU), Belarusian rubles (WMB), etc. are also in circulation. In this regard, the need very often arises. About the most profitable ways Read about this action in the article below.

Electronic Yandex Money

Personally, this system attracts me because it can link a plastic card from Yandex to your wallet, so that you can then use it to pay in the store and in all other places where MasterCard is accepted. In this case, the account on the electronic wallet is equal to the balance on the card and no interest is charged for such use (a commission is charged only when withdrawing money from an ATM). In my opinion, this is a very convenient way to withdraw pennies earned on the Internet.

This payment system allows you to deposit and withdraw funds in a variety of ways, as well as pay for many services and goods. There is an application for mobile phone, which allows you to conveniently work with your electronic wallet without having to download a browser. In general, read about that in the article provided.

8 best electronic payment systems in the world

— once upon a time, the Payoneer Mastercard was the only acceptable way to withdraw funds earned by freelancers and stockers abroad. Enough has appeared now similar systems, but Payoneer (or Pioneer) still remains in great demand, because many bourgeois exchanges and sites for making money cooperate only with it.

The main feature of the system is to receive a branded card and withdraw money earned abroad from it through any ATM in the world. Although it is now possible to withdraw money from a Payoneer account directly to an account in a local bank and with a not very high commission percentage, many do not want to show their income to the bank and use the card, because it is not connected to a bank account (prepaid) and there are no problems there should not be any problems with the tax authorities only when using it.

Previously, withdrawing money from Adsense was quite inconvenient, but after connecting to Rapida everything became just fine (though only for residents of Russia). The fact is that in the Rapida system you can configure payment templates for the transit of electronic money from Adsense to any terminal options for cashing them out that are convenient for you. Moreover, the templates are executed automatically when a payment is received from Google’s contextual system.

Liqpay— Ukrainian payment system, the account in which is linked to the account in Privat Bank. It positions itself as an alternative to the world-famous PayPal and Moneybookers, but in reality this is, of course, far from the case. Working with electronic money is quite safe, and read about the rest at the link provided.

10 most popular cryptocurrencies in the world

Cryptocurrency in general is difficult to classify as a payment system, because due to the nature of this system, there cannot be owners or people managing (and even administering) this system. She is launched and she begins to live her own life, essentially not obeying anyone (all thanks to cryptography based on the great and terrible, which simply works wonders). This is its charm and, in a sense, its disadvantage.

It is also difficult to equate crypto-currency with electronic money, because there is not yet a developed network of services and goods that could be bought with crypto-money. Something is possible somewhere, but it is still in its infancy. But at the same time, speaking about electronic money, it is impossible not to plunge into the crypto world. Why?

Because cryptocurrency is great tool for speculation, i.e. fast, often high-risk, but also very high earnings. Someone sells their home, and in a month or two doubles their capital. Some people play “small” and have a stable additional source of income. There is a rush of demand for cryptocurrency and it is becoming more expensive.

Almost any cryptocurrency can be freely exchanged (buy or sell) for fiat (rubles, dollars, euros...) or electronic (Qiwi, Poisons, AdvaCash...) money. For this purpose, there are a whole bunch of special services on the network that can be divided into two parts.

Electronic payment systems are a technology for direct payments on the Internet between parties to a transaction (most often, without additional conditions: indicating personal data, payment purposes, etc.).

Against the backdrop of dynamic development in the e-commerce network, EPS have become one of the most preferred methods of mutual settlement between individuals and between physical and legal entities(payment cellular communications, utility bills, Internet service providers, payment for purchases in online stores).

2 Three stages of development of electronic money

Electronic money received its first expression in credit cards (the very first were magnetic debit cards). The second stage of development is the introduction of smart cards. The third stage is the development of an electronic form of money, with the help of which we all have the opportunity to make on-line payments.

• And today EPS operate for:

• Implementation of credit schemes

Still the most popular scheme all over the world, which works with conventional plastic cards(MasterCard, VISA, UnionPay).

• Implementation of debit schemes

A less popular scheme, which is based on the use of digital equivalents of cash and checks (NetBill, NetChex, NetCash).

• Mutual settlements using digital money

It is implemented using payment gateways - special electronic payment systems that transmit cash to the World Wide Web (Perfect Money, WebMoney, QIWI, Yandex.Money, Neteller, etc.) and ensure mutual settlements within it.

We are interested in the third type of on-line payments, which shows the greatest dynamics of development and use. And, moreover, it is the latter that are increasingly used as part of the online investment process.

3 Advantages of electronic payment systems for investors

Of course, most brokerage and other financial companies, as one of possible ways replenishment of a trading/investment account, they offer a bank transfer. But in fact, the percentage of its use is no more than 3% -5%. The main volume comes from electronic transfer systems VISA and MasterCard, as well as a fairly impressive number of other electronic payment systems, with the help of which investors receive:

1. The ability to instantly transfer funds to your personal account opened with a financial company.
2. The most simple and intuitive replenishment process.
3. No commissions (from the financial company) for depositing funds.
4. The fastest (often instant) withdrawal of funds from personal account on EPS.
5. Minimum broker commissions for withdrawal.
6. Possibility of converting deposited funds into the currency of the personal account (from rubles to dollars, euros and vice versa).
7. The ability to withdraw funds from a personal account opened with a financial company to an electronic payment system without account verification (if the withdrawal is made to the electronic payment system through which the funds were deposited).

This is not an exhaustive list of benefits that an Internet investor can receive through the use of EPS. And now separately about the most popular electronic wallets in Russia and other CIS countries.

4

Perfect Money is a popular electronic payment system that allows its users to carry out financial transactions on the Internet.

This payment system, like most popular ones, allows you to:

1. Carry out mutual settlements between users
2. Receive payments when doing business online
3. Make regular payments
4. Keep cash and receive dividends on the balance
5. Pay for goods and services online

Depositing funds into Perfect Money can be carried out by: bank transfer, transfer to electronic money of other payment systems and exchange offices.

It is worth noting that this EPS has made significant efforts to ensure the financial security of clients, which is achieved by various internet technologies and the use of a special electronic key when transferring funds, which only the owner of an account opened with Perfect Money has.

We evaluate this payment system as one of the most interesting for use in the investment process, and about it additional features, you can consult through our .

5 WebMoney

WebMoney is an equally popular online payment system, which is famous for its meticulousness in security matters.

The list of services provided by WebMoney is almost similar to Perfect Money. With the difference that in this system mutual settlements between users are available in gold (Most likely, this opportunity appeared on WebMoney, more as a tool for motivating users to store their funds within the system itself, offering them a classic asset for saving - gold) and there is no accrual of interest on funds.

And, of course, it’s time to mention the notorious security measures inside the WebMoney system, which limit most of the client’s operations until the latter receives a certificate (real confirmation of the client’s identity through a special identifier), and for making on-line payments, except for browser-based web -terminal also offers a separate program, which can be connected using a specially issued electronic certificate, the user can completely exclude the possibility of unauthorized access to his wallet by third parties.

Such security measures often irritate WebMoney clients. But those who really care about the security of their payments and funds stored online, this is why they choose WebMoney.

As an investment portal, we highly appreciate all the capabilities of WebMoney and will be happy to help you learn about its additional advantages in our website.

6 Yandex.Money

Yandex.Money is a payment system of the famous Russian Internet company Yandex.

This EPS can be characterized as a simple and, at the same time, functional system with the above list of opportunities for users (except for dividends on the balance) and average security measures.

The system provides for user identification, within which the withdrawal amounts are limited. But such measures are rather precautionary in nature and are required more to control payments in the Russian Federation network than to combat hacking and fraud.

However, if you don’t worry too much about the safety of your own funds and use Yandex.Money only for transfers within it and replenishing a personal account in an investment company, then only a few can compare with Yandex.Money in simplicity. Since almost any broker has this EPS, it is very easy to deposit funds from it, and to withdraw funds very quickly. And a little negative - within the Yandex.Money system, mutual settlements are possible only in Russian rubles.

7QIWI

The QIWI payment system is no less popular, in comparison with the ones listed above, EPS.

The most important difference between this payment system is its connection to phone number user (which will be his current account number) and practically zero requirements for user identification and payment security.

On the one hand, this simplifies the procedure for using EPS as much as possible. On the other hand, QIWI often, willy-nilly, gets involved in various fraudulent schemes for which the Runet is so famous.

After all, apart from the QIWI account number to which the funds are transferred or from which the funds were transferred, nothing is known about the real user. In addition, we note that only ruble transfers are available within this payment system.

8 Is it possible to store money in electronic payment systems

On that frequently asked question We would answer users like this: “It’s possible, but it’s better not to!” and that's why:

1. The activities of electronic payment systems are not regulated in the territory Russian Federation and other CIS countries.
2. When you deposit money into the EPS, your funds turn into so-called “title units”. And for the theft of title units (if someone does steal them from your wallet) you will not be held criminally liable. It is the use of title units in the system that allows EPS to evade obtaining a license to carry out financial activities.
3. In most cases, EPS are systems with “registration” offshore. This means that they will be truly inaccessible for legal proceedings in cases of their bankruptcy and your attempts to collect your own funds from them.
4. The funds that are inside the EPS are usually “dead weight” (with the exception of the Perfect Money system, in which you can receive interest on the balance). This means that the point of storing funds in the electronic payment system is lost. Money must work and earn capital for you!

In other words, on the one hand, electronic payment systems are successful financial companies that, due to the fact that they do not issue loans to anyone, are least exposed to economic risks (we are not aware of any cases of bankruptcy of electronic payment systems). Moreover, due to the simplicity of its mechanism of use, it successfully replaces all other possible electronic funds transfer systems.

On the other hand, EPS are weakly regulated schemes, which, moreover, do not imply an increase in the investor’s capital. That is why we consider it not advisable to store funds in EPS. But using EPS as gateways for mutual settlements and “transporting” your funds to an investment company is more than effective.

It is up to you personally to decide which payment systems to use in the online investment process. We would advise you to pay attention to those that care more about the security of client payments!

9 Conclusions

Today, electronic payment systems are an indispensable tool for financially oriented users of the World Wide Web. And we must pay tribute - without EPS, the current investment process would be in many ways less effective and more complex. That is why we believe that electronic payment systems are an integral part of modern on-line and off-line investments.