A wallet is one of the popular modern means of money circulation. Still not using electronic payments? Try it - it's convenient! There are many payment systems, such as Qiwi Wallet, Yandex.Money, WebMoney and many others. When paying for all kinds of online services, when ordering goods in online stores, when repaying loans, or topping up your phone account, you can no longer do without them. If you want to keep up with the times, taking advantage of modern advances designed to bring comfort into our lives, you need to learn how to use electronic payment systems. One of the most popular is Qiwi wallet. It has been operating since 2006 and is gaining more and more popularity every year.

How to use Qiwi wallet - registration

So, let's master the simple science of use. Before using the Qiwi wallet, you need to register in the Qiwi system. This can be done on the official website. To do this, you need to select "Register" in the upper right corner of the screen and go through a simple procedure. Enter your mobile phone number in the required format (without the “eight”), the specified characters and agree to the terms of the offer. Almost immediately after you click on “Register”, you will receive a confirmation code on your mobile phone, which you will need to enter in the registration field. That's it, registration is complete. Now you have your own Qiwi wallet. Your wallet number is your phone number, which is very convenient - you don’t need to remember or write down any complex or long numbers. Now you can make any payment through Qiwi wallet. More on this below.

How to use Qiwi wallet - payments

You can make payments both on the website and in Qiwi terminals located everywhere. In addition, there are mobile applications for iPhone, Android and Java, for other devices, which is very convenient - the electronic wallet is always in your pocket. Topping up your Qiwi wallet account is easy. There are several methods available.

Now that you have the required amount in your wallet, all that remains is to learn how to use the Qiwi wallet. Through it you can pay many bills for which you previously had to stand in line at banks. Monthly Internet payments, cable television, taxes and fines, payment for various online games, goods in online stores and much more is available from the Qiwi wallet. To find out all its capabilities, carefully read the Qiwi website. There is no point in listing all the types of payments - almost everything you need is available.

Bonus when using Qiwi wallet: if an electronic payment system is not suitable for you to make any payment, but there is a payment option by bank card, then you can order a VISA card from Qiwi. It can be virtual, suitable for payment via the Internet, or real, plastic, which, among others, will have the capabilities of a Qiwi wallet.

” 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 it practical use 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 some 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 of the world;
• 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 different ways: bank transfer, e-Voucher, online exchange offices, Bitcoin, credit;
• secure storage cash and receiving 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 in in electronic format and use them 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 free translation funds between the wallet and the card are absolutely. 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. Detailed instructions To replenish your account using a card, you will find it on the payer website 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. By using of this device you will be able to 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.

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 personal information and your 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 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, or account mobile operator 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. Advantage this method is speed of operations: The transfer is carried out almost instantly. The disadvantages include enough 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.

In simple terms, an electronic wallet is a place where electronic money is stored. Electronic money is the same monetary units, only not paper, but stored on electronic media. Electronic media managed by a specific financial institution located on the Internet. Of course, all such organizations are licensed and registered as ordinary enterprises, so in terms of reliability they are comparable to traditional banks, and some sometimes even exceed them.

The history of e-wallets dates back to 1972, when the first chamber accepting electronic checks appeared in the United States. The next stage in the introduction of electronic money into everyday life was the creation of the first prepaid smart card in 1980. In 1995, the first electronic money system, Mondex, was developed, and a few years later, the creation of electronic payment systems was almost completed.

To create your own e-wallet, you don’t even need to leave your home. Typically, the financial institution with which you register your wallet will ask you:

• passport scan,
• completed form,
• phone number.

The entire registration process takes a few minutes, and information is exchanged through secure channels - thus completely eliminating the possibility of personal data theft. Also, to ensure better security of personal data, when logging into your wallet or performing various financial transactions, in addition to entering a password, you will need to correctly answer the question or enter a confirmation code that will be sent to your phone. This method of identification as the user’s electronic signature is much more reliable than a reusable password, which is easy to lose.

Advantages over banks

Electronic wallets have many advantages that distinguish them from other banking products:

1. Having created your electronic wallet, you no longer have to go to the company’s office and stand in lines - after all, the company does not have an office. Registration of a wallet and resolution of all issues occurs remotely via the Internet.

2. Electronic wallets are usually not tied to a specific country and are available anywhere in the world.

3. Opening and servicing an electronic wallet is absolutely free. The only exception can be the issue of a card - electronic payment systems, as well as banks, allow you to issue cards that can be cashed out at ATMs.

4. No usage fees. Once you open your e-wallet, you can forget about it and remember only when you need it. And if you forget to close your bank card or bank account, you can end up with a lot of problems associated with service debt.

5. You can use electronic money to pay for any goods and services, including those that cannot be paid from a specific bank. Russian banks are poorly adapted to work in Western markets, while most e-wallets work perfectly anywhere in the world.

6. Convenience of currency conversions - as a rule, they are much cheaper than in banks.

7. Money is credited to the e-wallet card very quickly, almost immediately after sending, while it can take quite a long time to transfer to a bank card. This is due to fewer bureaucratic procedures typical for banking operations, as well as the absence of non-working days or holidays. Big data and the cloud on the Internet also play a significant role in this.

How to choose an e-wallet?

It is worth investing a lot of time in choosing an electronic wallet: only under such conditions can you get a truly profitable financial product that will make the process of using virtual money simple and convenient. First of all, you should decide which conditions are important for you and which can be neglected.

• If you like to buy goods in American or European online stores, those electronic payment systems that open accounts only in rubles will not suit you.
• We advise you to compare the commissions offered by the payment system for currency conversions or cash withdrawals from ATMs. In addition, it makes sense to find out whether it will be possible to top up your account through regular ATMs or payment terminals. Some payment systems only accept transfers from a phone or prepaid card to their e-wallets.
• It is also worth deciding whether you will withdraw money from an electronic wallet or pay with it exclusively on the Internet? If you often need cash - which cannot be ruled out, given that in our country it is not possible to pay even with a regular bank card - choose an electronic wallet that issues its own cards or cooperates with your bank. Otherwise, receiving cash may be difficult, because the so-called exchange points charge very high commissions for withdrawing electronic money.
• Be sure to follow measures to protect personal data online. For example, do not use a phone number that is known to a large number of people to register an e-wallet. Ideally, each electronic account should have its own phone number. The same applies to Email or social media account. Don't forget that the ease of opening an e-wallet also has a downside - if you lose all the data you used to register your account, restoring it may be difficult.

Electronic wallets for cashless payments and loans

Don't rush to abandon traditional banks. From a security perspective, the ideal solution would be to split your savings. For example, it makes sense to keep your principal in an account that you do not use via mobile technology, such as mobile internet banking. For all other accounts, it makes sense to set a limit, for example, so that you can withdraw money from Qiwi no more than five thousand rubles per day. For current expenses, primarily non-cash ones, e-wallets can be an ideal solution.

We recommend replenishing the electronic wallet of the VK Pay payment system only for purchases on the site or payment mobile applications. Due to the popularity of the site, this wallet is a bait for scammers. Once they have your data, hackers can cash out or transfer your savings permanently.

In addition to the advantages already listed, it is very convenient to receive money transfers using electronic wallets - many microfinance organizations also have loans without a bank card in their arsenal of services: for example, a loan to a bank account, and other methods. if you need cash.

You can borrow money using the Yandex.Money e-wallet from these microfinance organizations:

Also, e-wallets are an ideal solution for freelancers. Considering that more and more people are making a living by writing computer programs, articles or trading on the stock exchange, electronic money is becoming the best system settlements with customers. After all, in this way it is possible to avoid unnecessary commissions, which is especially important for transactions with small amounts. Another way to make cashless payments on the Internet is the Bitcoin exchange. Bitcoins are a fiat (crypto) currency that has become widespread in last years. However, it is conditional to a certain extent, given that no currency in the world is now, in principle, backed by gold reserves. However, when choosing bitcoins as a non-cash payment instrument, it is worth finding out whether the people with whom you are going to make financial transactions accept this currency, as well as the size of the conversion commission.

Almost like an electronic one Mailbox. Eat special program to access your wallet. It's called WM Keeper and comes in two versions: Classic and Light. The difference is this. Classic runs like a regular application on your computer, so you will need to download its distribution (about 1.5Mb) and install it. Light runs in a browser window and does not require installation on your computer. If you work in an Internet cafe, school or institute, that is, where you cannot install Classic on disk, use the Light version.

Both versions of the program are free and available on WebMoney.ru. Next I will describe working with Classic, because... This option is the most common, and besides, the principles of working with Light are similar.

After launching WM Keeper Classic, a window appears with two buttons: “Registration” and “LOGIN”. For the first time, click "Register". A dialog will appear for you to enter your data. Enter them, do not forget to assign a password and indicate where you will store the key file (for example, on a floppy disk or flash drive). After this, the system will register you, tell you your identifier (WM ID) and offer to go through the certification procedure (refuse for now - if you want, you can go through it later). Memorize your WM ID and password, take care of the key file! Better yet, write it down and make a copy onto a floppy disk or CD, and store it in a secluded place. If God forbid you lose the key file, you will lose access to your savings in your account.

Next time when you start WM Keeper, click the "LOGIN" button, enter your WM ID in the first line, and enter your password in the next line and click "OK" (if you store the key file on a floppy disk, do not forget to insert it) .

WebMoney wallets
To begin with, WM Keeper itself will make three wallets for you, for different currencies: rubles (R-wallet), dollars (Z-wallet) and euros (E-wallet). Wallets are designated by the corresponding letter and numbers (for example, R212193299169) so that it is clear in which currency the payment is made. By the way, “electronic” dollars are called WMZ, “electronic” rubles are called WMR.

Topping up your wallet with cash
Before replenishing your wallet for the first time, you will need to authorize it (entering your passport data and signing an agreement with WebMoney for storing money and transactions with it). This is done in real time, in a browser window and will take a couple of minutes. The authorization procedure is required - otherwise you will not be able to deposit or withdraw cash. It is for your own benefit: it will help you regain control of your wallet if you forget your password or lose the key.

You can top up your wallet or cash out its contents in several ways: by bank or postal transfer, at special points, by purchasing a plastic card, etc. For non-capital cities there are fewer options, so I’ll tell you how to top up your wallet by bank transfer (although this method is not the most optimal).

So, log in to WM Keeper, select the “Wallets” tab. Right-click on the R-wallet and select the “Top up” command from the menu. WM Keeper will open a window in which you must enter the amount. Then it will open browser window, in which you must allow a request to WM Keeper (to enter your password). Then, in the same browser window, select the replenishment method - “transfer through SberBank”. The text of the agreement will be displayed in the window (please note that you will be charged an additional 5% of the amount - alas, to formalize the agreement!), at the bottom is the “AGREE” button - click it. This is an agreement regarding your purchase of WM signs.

It is clear that in reality these “signs” cannot be touched, so replenishing the wallet is formalized as the purchase of bank bills. Between us, the agreement does not oblige you to anything - it is just a document. You see, organizations or some users require some kind of reporting documents (that they actually deposited money into the WM wallet). Therefore, in order to avoid situations like “I deposited money then, send me a receipt,” WebMoney offers to “sign” this agreement in a “forced” manner.

A transfer form will appear on the screen. Click on the "Print version" link on the left to print the receipt on paper and cut it out carefully - the whole thing, not two parts (if you don't have a printer, carefully write down all the details, ask for a receipt at a SberBank branch and fill it out).

In no more than 5 days (the time it takes for the payment to go through the bank), you will see your electronic money in your WM Keeper wallet. I repeat - this is the most accessible, but not the most “economical” way to replenish your wallet. All methods are described on WebMoney.ru

Transfer from wallet to wallet
Right-click on the wallet from which you want to transfer money. Select the command "Transfer WM->To" from the menu WebMoney wallet...". Then enter the designation of the wallet to which you want to transfer money. Yes, a prerequisite for such a transfer is that the wallets must be of the same type (R, Z or E).

You can set a “protection code” (password) for the transfer for a specified period. In this case, the recipient will not be able to receive money until he enters this password. If he does not enter the password within the specified period, the money will be returned to the original wallet. This mechanism is widely used for mutual guarantees. On the one hand, it shows the payer’s solvency, on the other, it allows him to cancel payment in case of claims against the other party. The transfer fee is 0.8% of the amount (but not less than 1 cent).

Click the "Submit" button. As soon as the coin in the dialog box stops spinning, you can click the “Close” button - the transfer is complete. As soon as a transfer has arrived in your wallet, WM Keeper Classic reports this by flashing an icon on the taskbar.

Currency exchange
You can transfer money from E-Gold and Webmoney on the website GLOBOXchange This is an exchange machine (robot), a fully automated exchange office of the Russian INDX exchange. Allows you to exchange currencies in real time in 1-2 minutes. between various systems electronic payments. Exchange and transfer of money to (c) wallets, WMZ, WMR, WME, RUR Yandex, USD e-gold, USD e-port.

If you need to make a transfer, say, in dollars, but there are none, only rubles, then exchange them first. Follow this link GLOBOXchange There you will see a list of those selling and buying dollars. Select the best offer and click on it. If the amount offered is more than the required amount, do not be embarrassed - you will exchange exactly as much as you need. If the amount offered is less than the required amount, exchange it and select the next offer. Don’t hesitate, or while you are choosing and entering the amount, someone will get ahead of you. The exchange of E-Gold for WebMoney is carried out in the same way.

To exchange, you will be asked to enter the WM ID, the required amount of currency and the numbers of your two wallets: for payment and crediting. After this, you will be sent an invoice, which you must pay, and then click on the link in the window. Within three minutes your WM Keeper will receive an invoice. Click the "Pay" button and thus transfer money to pay for the transaction. Then click the link in the browser window to complete the exchange operation. Within five minutes, the purchased currency will arrive in your other wallet.

One tip: if you have a bad communication channel ( low speed connection to the Internet) it’s rare, but sometimes the bill doesn’t arrive for a long time. Don't worry - try the "Refresh connection" command in the WM Keeper menu. As a last resort, right-click on the link in the browser window (which you need to click after payment), and add it to “Favorites”, disconnect, check your account again after about five minutes... in short, after paying the bill, load the saved file into " Favorites" link and that's it.

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An electronic wallet is a special service for working with digital money.

Let's give an example. Today almost everyone has a bank card. Money is stored on it. You can pay with the card in stores, on the Internet, and you can withdraw cash from an ATM at any time.

An electronic wallet is an analogue of a bank card. You won’t be able to pay this way in a supermarket, but on the Internet, most stores accept this payment method.

Why do you need an e-wallet?

1. To protect your bank card. In order not to enter your card details on various Internet resources, you can top up your wallet and carry out all operations using it. This way you protect your card from Internet fraudsters.
2. For the convenience of paying online. To pay for a purchase or order with a bank card, you need to fill out all fields of the payment form. If the user does not remember the number, CVV code and expiration date by heart, and the card is not at hand, it will not be possible to make a payment. To use an electronic wallet, just enter its number.
3. For comfortable work V global network. Remuneration is optimal solution For . It is much more convenient for customers to deposit funds into a wallet than to make a bank transfer. And again, it’s safer.
4. For prompt execution of operations. Bank transfers can take from a few hours to several business days. Operations with electronic in cash are completed in a matter of minutes.

How to create an electronic wallet

You need to register in one of the payment systems and create your wallet in it. To do this, you need to provide personal and passport information. For convenience, you can link your wallet to phone number: Each time you perform an operation, you will receive an SMS message with a confirmation code.

Users are often interested in the question of how to use an electronic wallet. First you need to top up your wallet account. Further functionality is very simple, each payment system provides 24/7 technical support and advises on this or that option.

How to top up an e-wallet

The replenishment method depends on the selected service. The most common methods:

• Purchasing a prepaid card.
• Transfer from a mobile phone.
• Replenishment through special payment terminals or an ATM.
• Via bank transfer.
• Via mobile.

A fee is charged for various transactions. Tariffs are determined by payment systems. The service is free.
To choose the most suitable “assistant”, evaluate the pros and cons of various payment systems.

The best e-wallets for withdrawing money

Qiwi

The QIWI system appeared in 2007, it offers users an easy-to-use QIWI Wallet. You can work through a computer, smartphone or other gadget, as well as through payment terminals (you've probably heard of Qiwi terminals).

Linking to a phone number is a prerequisite when registering QIWI Wallet. This makes managing funds easier.

Advantages:

• You can order the issuance of a card linked to a wallet account to make payments like a regular bank card.
• You can work in four currencies: ruble, euro, dollar and tenge.
• The commission does not exceed 2% for any transactions.
• You can pay for a wide range of services and goods.
• Convenient to refill.

Yandex money

This is a system from the famous search engine Yandex, which started in 2002. You can work through a mobile application/official website from a computer or gadget. You can top up your account using all of the above methods. The following methods are available for withdrawal:

• Transfer to the "" card is free. It is then used to withdraw cash from ATMs or pay for purchases.
• Transfer to a bank account or card.
• Transfer using special money transfer systems.

The system only serves ruble transactions.

WebMoney

Operating since 1998. All operations here are carried out in virtual currency: WMR – ROS. ruble, WMZ - US dollar. Main advantages:

• You can work with several world currencies at once.
• Simplified identification system.
• A wide selection of additional services, for example, credit or debt services.
• The functioning of several certificates, each of which provides its own set of capabilities and functions.

The choice of wallet service depends on your goals and objectives. If you live permanently in Russia and do not work with other currencies - choose YandexMoney, if you work as a freelancer - best option, and for online purchases QIWI Wallet is better.