What about payment systems. Russian payment systems. the best electronic payment systems in the world

Z-Payment- an electronic payment system that integrates various types of payment, such as payment by SMS, bank transfers, payment by plastic card and others. In 2002, a group of developers created the Transactor technological platform, on the basis of which Z-PAY and Z-Payment were subsequently created. September 1, 2006 - Zorbit (investor) and Tranzaktor (developer) launched the Z-PAY payment system. The system existed until April 2007, then it was transferred to the investor company without the right to change. On September 1, 2007, Transactor developers launched the Z-Payment payment system.

Any Internet user can register his wallet in the system. Settlements in Z-Payment are carried out in conventional units ZP, 1 ZP is equal to 1 ruble. With a Z-Payment wallet, you can make payments in online stores connected to Z-Payment, as well as pay for various services, including cellular communication, satellite television, services of Internet providers, etc. If the user has his own online store or paid service, he can activate the payment acceptance through the system. The user can work as an individual or a legal entity.

IntellectMoney- electronic discount payment system. Its main task is to provide users with a simple and safe way to pay for goods and services on the Internet and to enable them to receive significant discounts in trade and service enterprises.

In parallel, two directions are developing: payment, which provides real-time financial settlements between users (individuals and legal entities who have registered in the system and activated the account), and discount (as part of the discount cash back program).

All transactions are made only with Russian rubles. The web interface is used to work with the payment system.

Both an individual and a legal entity can register with IntellectMoney. There are two types of accounts for them: a personal account and a business account.

MoneyMail– an electronic payment system that allows you to pay for hosting, purchase goods and services in online stores, replenish game accounts in online casinos, pay utility bills and telephone bills, pay with providers for the Internet or for cellular communications, use credit cards of Russian banks , as well as issue invoices and send money to any e-mail.

The main purpose of the system is the development of a software package, with the help of which Russian banks will be able to offer the entire range of technological banking products to a wide audience of Internet users.

The owner of MoneyMail is CJSC "Moneymail", a controlling stake in which belongs to the investment holding "FINAM". November 24, 2004 is the official day of the launch of the Russian payment system MoneyMail.

Electronic money is the monetary obligations of the organization that issued them (the issuer), which are on electronic media in the management of users.

The main features of electronic money:

• issue in in electronic format;
• storage on electronic media;
• the issuer's guarantees for their provision with ordinary cash;
• their recognition as a means of payment not only by the issuer, but also by a number of other organizations.

For a clear understanding of what electronic money is, it is necessary to distinguish them from the non-cash form of traditional money (the latter are issued by the central banks of various countries, they also set the rules for their circulation).

Credit cards, which are only a means of managing a bank account, have nothing to do with electronic money. All transactions using cards are made with ordinary money, albeit in a non-cash form.

The history of the emergence of electronic money

The idea of ​​electronic payment systems appeared in the 1980s. It was based on the inventions of David Shaum, who founded the DigiCash company in the USA, whose main task was to introduce electronic money circulation technologies.

The idea was pretty simple. The system carries out operations with electronic coins, which are files-obligations of the issuer with its electronic signature. The purpose of the signature was similar to the purpose of the security features of paper notes.

Principles of functioning of electronic money systems

For the successful operation of this payment instrument, the willingness of organizations selling goods and providing services to accept electronic money as payment is necessary. This condition was provided by the issuer's guarantees for the payment of amounts in real currency in exchange for electronic coins put into circulation by it.

In a simplified form, the system operation scheme can be represented as follows:

• The client transfers real currency to the issuer's account, receiving in return a file-banknote (coin) for the same amount minus the commission. This file confirms the debt obligations of the issuer to its holder;
• With electronic coins, the client pays for goods and services in organizations that are ready to accept them;
• The latter return these files to the issuer, receiving real money from him in return.

With such an organization of work, each of the parties benefits. The issuer receives his commission. Trading enterprises save on the costs associated with the circulation of cash (storage, collection, work of cashiers). Customers receive discounts due to lower costs for sellers.

Advantages of electronic money:

• Unity and divisibility. When making calculations, there is no need for change.
• Compactness. Storage does not require additional space and special devices mechanical protection.
• No need for recalculation and transportation. This function is performed automatically by payment and electronic money storage tools.
• Minimum issuance costs. There is no need for minting coins and printing banknotes.
• Unlimited service life due to wear resistance.

The advantages are obvious, but, as usual, there are no difficulties without difficulties.

Flaws:

• The circulation of electronic money is not regulated by uniform laws, which increases the likelihood of abuse and arbitrariness;
• The need for special tools for making payments and storage;
• For a relatively short period of operation, reliable means of storing and protecting electronic money from counterfeiting have not been developed;
• Limited application due to the unwillingness of all merchants to accept electronic payments;
• Difficulty in converting funds from one electronic payment system to another;
• Lack of state guarantees confirming the reliability of the issuer and electronic money as such.

Storage and use of electronic money

Online wallet- this is software designed to store electronic money and carry out transactions with them within one system.

Who organizes the functioning of these systems and issues electronic money?

Issuers of electronic money

Issuer requirements vary from country to country. In the EU, the issue is carried out by electronic money institutions - a new special class of financial institutions. In accordance with the legislation of a number of countries, including India, Mexico, Ukraine, only banks have the right to engage in this activity. In Russia - both banks and non-banking financial organizations, provided they obtain a license.

Electronic payment systems in Russia

Let's look at the most popular domestic systems and give answers to questions about how to buy and how to cash out electronic money in each of them.

by the most major operators are "Yandex.Money" and "WebMoney", in total their share exceeds 80% of the market, but there are also "PayPal", and "Moneybookers", and "Qiwi" ....

WebMoney

WebMoney, positioning itself as an "international settlement system", was founded in 1998. Its owner is WM Transfer Ltd. It is registered in London, but technical services and the Main Certification Center are located in Moscow.

Operations are carried out with electronic equivalents of a number of currencies.

For each of them, the guarantor is legal entities registered in various countries: Russia, Ukraine, Switzerland, the United Arab Emirates, Ireland and Belarus.

For work, an electronic wallet "WebMoney Keeper" is used, which can be downloaded from the company's website. There is also an instruction for its installation, registration and use. The program allows you to operate with equivalents of US dollars (WMZ), Russian rubles (WMR), euros (WME), Belarusian rubles (WMB) and Ukrainian hryvnias (WMU). Gold circulation is provided, the unit of measurement of which is 1 electronic gram (WMG).

To carry out transactions, it is necessary to register in the system and obtain a participant certificate, of which there are 12 types.

More high level certificate provides great opportunities in work.

When making transactions, the payer is charged a commission in the amount of 0.8% of the amount of the transfer. It is possible to use various kinds payment protection. All disputes are decided by the Arbitration.

Here are ways to deposit electronic money into a wallet:

• bank, postal or telegraphic transfer;
• through the system Western Union»;
• purchase of a prepaid card;
• by depositing cash at exchange offices;
• through electronic terminals;
• from electronic wallets of other system participants.

All of these methods are associated with the payment of commissions. It is the least profitable to start money through terminals and buy prepaid cards.

And how to cash out electronic money in the WebMoney system? You can use the following methods:

• transfer to a bank account from your electronic wallet;
• using the services of an exchange office;
• through the Western Union system.

There are virtual points where in automatic mode it is possible to exchange one electronic currency for another at the specified rate, although formally the system does not take part in this.

Since 2009, the use of WebMoney has been prohibited at the legislative level in Germany. This prohibition also applies to individuals.

"Yandex money"

The system has been operating since 2002. It provides settlements between participants in Russian rubles. The owner of the Yandex.Money LLC system in December 2012 sold a 75% stake to Sberbank of Russia.

There are two types of accounts:

• "Yandex.Wallet", which is available through the web interface;
• "Internet. Wallet is an account with which operations are carried out through a special program. Its development was terminated in 2011.

Now for new users, only Yandex. Purse.

Users of Yandex.Money can pay for utilities, pay for fuel at gas stations, and make purchases in online stores.

The advantage of Yandex.Money is the absence of commissions for most purchases and account replenishment. For transactions within the system, it is 0.5%, and for withdrawals - 3%. When accepting payments and withdrawing funds, Yandex.Money partners can set commissions at their own discretion.

Significant disadvantages are the impossibility of doing business through the system and strict limits on the amount of payments.

You can replenish Yandex.Wallet in several ways:

• converting electronic money of other systems;
• by bank transfers;
• through payment terminals;
• depositing cash at points of sale;
• through Unistream and Contact systems;
• from a prepaid card (now the issue of cards has been discontinued, but activation of previously purchased cards is possible).

You can cash out electronic money of the system in the following way:

• transfer to a card or bank account;
• receiving from a Yandex.Money card at an ATM;
• through the transfer system.

The main share of the electronic money circulation market in Russia falls on WebMoney and Yandex.Money, the role of other systems is much less significant. Therefore, we consider only their characteristic features.

PayPal

"PayPal" is the world's largest electronic payment system, created in 1998 in the United States and has more than 160 million users. It allows you to receive and send transfers, pay bills and make purchases.

For Russian participants, the acceptance of payments became possible only in October 2011, and the withdrawal of funds has so far been carried out only in American banks. These circumstances significantly reduce the popularity of the system among domestic users.

The planned conclusion of an agreement between PayPal and Russian Post can correct the situation, but this is a matter of a distant future.

Electronic payment systems are used for settlements between organizations and users when buying / selling goods and services on the Internet. For such systems to function, willingness of merchants to accept electronic money as payment.

Traditional systems allow payments to be made through cash, bank transfer, cash on delivery or postal order. Electronic money, which is the main tool for promising e-commerce, has many advantages over traditional payment methods.
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In addition, electronic money is minimum cost of issuance, since there is no need to mint coins or print banknotes, and unlimited service life because they don't wear out.

They compact for storage: no need to think about additional space or special mechanical protection device. A automated recalculation functions make them even more convenient to use. The icing on the cake is mobile payment systems, which allow you to make online payments from anywhere in the world at any time.

Thus, modern payment systems are a simple and reliable solution for remote financial transactions. They continue to gain popularity, especially among tech-savvy users. Electronic money is actively used for financial transactions in offshore companies, as it allows you to transfer funds anonymously and without verification.

IN In 1871 Western Union made world's first electronic money transfer. True, the translation was carried out using telegraphic messages, and it is difficult to consider it electronic in the modern sense. But this year is considered the starting point for the development of EPS..

Paying for goods and services online and transferring funds without leaving your home is at least convenient. EPS allow you to pay for utilities, mobile communications, purchases on the Internet, make transfers to bank cards, currency exchange, etc. Their capabilities are constantly expanding and improving.

Electronic way payment is preferred by the largest organizations and banks, and in Internet services it is the main one. But, having a list of payment systems in front of his eyes, the user asks the question “Which one to choose?” Which of the existing systems is best suited for a particular monetary transaction and offers the best transfer conditions?

Top payment systems consist of reliable and proven services that offer effective solutions for online money transfers.

What EPS is more profitable to use now? We offer a fresh overview of popular payment systems, ratings and comparison tables of the main international and national EPS.

TOP of the best payment systems in Russia

In Russia, electronic payment systems first appeared in 1998. It was then that the PayCash company began work. A year later, a popular one appeared, which is still in the TOP in the digital cash market.

EPS activity in Russian Federation regulated at the state level through the law “ About the national payment system” .

Total work in the country more than 20 payment systems. Which EPS is the best - there is no definite answer. Everything depends from the field of activity of each client And his primary needs when dealing with digital cash.

When choosing a payment system, you must be guided by its capabilities and functionality so that the service meets exactly your needs. For some users, the option of easy and free replenishment of the wallet by various payment methods is important. For some, the speed of money transfer is a priority. Others choose local payment systems that were created taking into account the realities of the market and functioning banks.

1.

When established: 2012;
Where is used: service works with financial institutions more than two hundred countries, the number of users reaches 2.5 million, about 5,000 accounts are created daily.
Peculiarities :

• replenishment of the wallet in more than 150 ways;
• mass payments via API to many wallets without restrictions;
• transfers in rub, usd, eur and other currencies without account verification;
• anonymity of operations;
• various mandatory and optional elements of account protection;
• user wallets are never blocked;
• MasterCard Platinum for buying and withdrawing cash worldwide without commission.

2.

When established: 2014;
Where is used: works in more than 200 countries of the world;
Peculiarities :

• multiple currencies in one account: by default RUB USD, EUR by, you can also add GBP, UAH, KZT, BRL;
• no commission for internal transfers;
• fast mass payouts;
• multi-level security settings;
• used as a secure safe for storing digital cash;
• plastic and virtual card AdvCach with an account in USD or EUR, with which you can pay without commissions and withdraw cash anywhere in the world.

3.

When established: 2007;
Where is used: in Russia and CIS countries;
Peculiarities :

• low fees (0.5% for verified users);
• you can create up to 6 wallets in one account;
• accounts in USD, EUR and gold equivalent;
• the ability to have a subaccount with a separate login and password: it is limited in functionality (you can transfer and receive electronic money from it);
• the subaccount is replenished from the main account without commission;
• you can have your own e-Vaucher (electronic voucher) in cash;
• user gradation and trust rating;
• information about cash flows within the system is confidential and protected from other users, including government agencies;
• increased system security.

4.

When established: 2011;
Where is used: The system serves more than 500,000 users from 100+ countries and cooperates with 1000+ companies from all over the world.
Peculiarities :

• supports three currencies: rub, usd and eur;
• replenishment of the account with a cryptocurrency, which is automatically converted into dollars or euros;
• the ability to quickly deposit and withdraw funds in Qiwi, Yandex Money and WebMoney with a low commission;
• a universal card allows you to pay for purchases without a commission and cash out money at ATMs in Russia and anywhere in the world;
• You can receive notifications of each operation on your mobile phone.

When established: 1998;
Where is used: the client base consists of more than 20 million users, and the system's wallets are used in 35% of the entire Russian segment of the Internet.
Peculiarities :

• universality: the ability to transfer and pay for goods and services in various currencies;
• to get access to the full functionality of the service, you need to go through mandatory registration with a photocopy of your passport and get a formal certificate;
• the account owner can open an unlimited number of wallets in the system in different currencies, including gold;
• all user accounts are combined into a special WebMoney Keeper storage, which has an individual WMID number;
• transactions in the system are instantaneous, they cannot be recalled;
• transaction fee is 0.8%;
• the higher the status of the account, the more opportunities its user has;
• high reliability of the system;
• for safe deposit and withdrawal of funds, the system is programmed with automatic blocking of user wallets.

6.QIWI

When established: 2007;
Where is used: in 22 countries of the world: Russia, Moldova, Kazakhstan, Belarus, USA, etc.
Peculiarities :

• simplified registration: to create a wallet, just specify the number mobile phone;
• is used not only for electronic payments, but also for bank non-cash transactions using Visa cards;
• the possibility of replenishing the account and withdrawing funds in several different ways;
• depositing funds and paying for many services is carried out without a commission;
• a large list of payment for services and purchases on the Internet;
• low fees for transfers and the possibility of making payments via SMS;
• you can order a free virtual or plastic card associated with the funds in the wallet, with which it is easier to manage.

When established: in 2002 by the Russian search engine Yandex;
Where is used: the system is aimed at online business and e-commerce in Russia and among other CIS countries;
Peculiarities :

• commercial non-banking organization, licensed by the Central Bank;
• recognized as one of the most versatile payment systems;
• two work options: Yandex. , which is entered from the Yandex money website, and Internet. Wallet, a program installed on a computer or mobile phone;
• you can open an anonymous, named or identified wallet;
• the status of the wallet affects the limits and the maximum possible balance on the account;
• the possibility of replenishing the account by transfer from an individual.

Now the list of payment systems in Russia is headed by Yandex.Money, the role of other EPS is less significant.

International payment systems

The list of the most famous international payment systems is opened by the American companies Visa and MasterCard, which offer non-cash payments based on bank cards.

According to expert estimates, Visa leads by a small margin in Russia: it occupies about 50% of the market, Mastercard - 40%. The remaining 10% is divided among themselves as foreign ( JCB, Maestro, American Express, China Union Pay), and other domestic EPS ( “Zolotaya Korona”, MIR, Pro100) Services.

When issuing a card, bank specialists ask the client which payment system he prefers - Visa or Mastercard:

• Visa- the largest international payment system with a turnover of $4.8 trillion. Visa cards are accepted for payment in 200 countries of the world. Main currency - U.S. $, which is why, for example, in the USA it is better to use a card of this payment system - the conversion rate will be more profitable. In Russia, it is possible to issue a Visa card for both dollar and ruble accounts.
• Mastercard is also headquartered in the United States, but the base currency for this system's operations is the euro. Therefore, for money transactions in Europe, the Mastercard card is more profitable. The conversion depends on the country in which the user is located: in America it is carried out through the dollar, in the Eurozone - through the euro. Mastercard is used in 210 countries of the world, but is inferior to Visa in coverage. Now about 16% of bank cards are issued with the Mastercard logo.

In the USA, Canada, Southeast Asia, Mexico, Australia, Dominican Republic or Latin America, it is better to use a Visa card. In Europe and Africa, it is more profitable to use Mastercard. In China and Russia, the differences between these systems are not significant..

Not all international EPS that are available to users from foreign countries are used in Russia. The reasons can be both difficulties with depositing and withdrawing funds, and territorial restrictions in the application.

A person with an active lifestyle who often travels outside the country, ideally, it is better to have at least two cards of different payment systems, popular on a global scale. In this case, the risk of not accepting the card or canceling operations on it will be minimal.

National payment systems

The most popular national payment system in Russia is now "MIR". It was created in 2014, and a year later, the first national payment card was issued on its basis. "MIR" was created as alternative to global competitors in case they leave the Russian market under the influence of sanctions, and is designed to ensure the financial security of the country from external political and economic factors.

The Mir card allows you to pay for goods and services, withdraw money from an ATM and transfer funds to anywhere in Russia. All operations can be carried out using bank terminals or remotely, on the Internet or through a mobile application.

European payment systems

Bank cards remain the most popular payment method in Europe. However, the European payment system is very diverse. Residents of some countries almost never use international Visa or MasterCard, preferring national payment systems.

A prime example is France, where 85% of residents use the local Carte Bleue.

In Holland, a significant part of the market is occupied by local iDeal, and in Sweden - Klarna, which can be paid in 15,000 online stores.

In Germany, the most preferred online payment method is ELV (Elektronisches Lastschriftverfahren), an electronic direct debit payment method supported by German banks.

A Spaniards and Italians they mostly pay with Visa or Mastercard, while in Turkey these cards are practically not used.

Thus, it is seen that in Europe there is much more diversity in payment methods, and credit cards are the most popular online payment method, as they are all over the world.

Electronic payment systems in China

The national payment system, created by the Alibaba Group empire, occupies 60% of the Chinese market and dominates all possible ways payment.

This is the largest and most famous payment system in China, its services are used by more than 520 million people. “Trust based payments”- the main focus of the creators of the platform is on the security and protection of user rights, offering 100% compensation for unauthorized payments. Among the advantages of Alipay note free registration and no commission for withdrawal of funds. The Alipay official website also supports the Russian language.

The world-famous platform AliExpress creates a special version of the Alipay wallet for more affordable payment for goods through this payment system and other projects of Alibaba Group.

Reliable and profitable electronic payment systems in China are also considered UnionPay, the only state system with the support of the Central Bank of China.

What are the types of EPS

First you need to know what types of electronic payment systems are and what are the features of each type. The main classification is based on how money is entered into the system. What are the options for this? According to the payment scheme, EPS are divided into credit and debit. The former work with bank cards, the latter with electronic checks And digital cash.

Credit

The first type involves the management of electronic money using plastic cards. Payment systems of bank cards are distinguished by additional protection, namely digital signature and message encryption. First, the participants in the transaction conclude a contract, after which payment is made.

If you are looking for an option which payment system to choose for a card, then among the most popular payment systems based on plastic cards are First Virtual, Open Market, CyberCash, CheckFree and others.

Debit

The main international EPS are debit. They allow money transactions strictly after replenishing the account with digital money. Some debit payment systems accept electronic checks. Among the most popular are NetCash, NetChex, NetCheque and a few others.

How payment systems work

The principle of operation of all payment systems is the same.

Who is involved in the deal?

• Client, holder of electronic currency, who wants to pay for a product or service on the Internet;
• Merchant, organization or company that accepts electronic payments for payment;
• Issuer, an entity that issued electronic money.

How does the payment system work?

• The Client transfers real currency to the Issuer, in return receiving an electronic file for the same amount (minus commission);
• The Client pays for goods and services using electronic money, which is credited to the account of the Seller, who is ready to accept them;
• The seller returns banknote files to the Issuer and receives real money from him.

What is the benefit?

Using a payment system for remote money transfers beneficial for all participants in the transaction:

• The seller saves on the costs associated with handling and storing cash;
• The client makes more profitable purchases due to lower costs from sellers;
• The issuer receives a commission for each transaction performed.

What is electronic money

Electronic money is digital cash represented as electronic file, equivalent to real currencies and managed by users of the payment system. It is stored on electronic media and is used to make online payments and transfers.

Features of electronic money:

• Emission is happening electronic, that is, there are no costs for the manufacture of paper notes or coins;
• They are also kept on electronic media;
• Organization that issues electronic money guarantees their security with ordinary money;
• They confess as a means of payment not only within the system, but also in settlements with external counterparties.

Electronic money is exactly the same value as the banknotes or coins we are used to, but, unlike the traditional one, digital currency exists only on the Internet. Electronic money easy to exchange for paper equivalents or vice versa: deposit and withdrawal of funds, respectively.

Credit cards have nothing to do with electronic money, since all transactions using bank cards are made using ordinary non-cash money.

Advantages and disadvantages

Storage and use of electronic money

As we have already noted, electronic money is compact, that is, it does not need additional space to store it. They are created and stored electronically., namely in the wallet.

Online wallet or e-wallet is software designed to store electronic money and use it within one payment system.

The issue of reliable storage of digital cash and the security of electronic payment systems in general should be taken seriously. On the one side, without exception, all EPS are equipped with protective systems that ensure their safety. But each user must take care of the safety of his e-wallet and protect its contents as much as possible from fraudsters operating in cyberspace.

Therefore, it is important for the wallet to choose the most reliable protection.

Strengthen security measures by using one-time passwords, if such an option is provided by the selected payment system, as well as store them on a flash drive or in a notebook.

Good afternoon dear friends. After analyzing the information that you can see on our website, we came to the conclusion that one extremely important aspect of successful financial activity in international markets has previously remained beyond our attention.

We are talking about such things as electronic payment systems on which traders store funds and to which they withdraw profits received from trading. What is the best system to use? Where are the highest security and reliability scores and where are the fees acceptable? Let's figure it out.

So, before proceeding to the consideration of specific services and systems, I propose to give them general characteristics and say a few words about the mechanism of their work.

So, the utterly simplified process of the electronic payment system fits into the following algorithm:

1. Client, i.e. you, me and another 90% of Internet users transfer a certain amount of money in real currency to the account of the issuer (payment system), receiving virtual currency for this in an amount equivalent to the amount of the transfer. The act of exchanging real currency for virtual currency fixes the debt obligations of the issuer to the client.
2. With virtual currency, the client replenishes his trading or investment account in personal account a trading broker (you can find a list of their best representatives on our website). Thus, receiving "real money" that can be increased by conducting speculative or investment operations in Forex and the stock market.
3. The broker returns the electronic currency to its issuer, receiving real money for this.

In the end, everyone benefits. Clients receive a fast and safe way to replenish the deposit, the broker - a new client, and the payment system - their commission, which is paid by both the client and the broker (more on them later).

I don't think it's necessary to name the benefits. electronic currencies, such as simplicity and ease of use, high speed of payment transactions, unlimited service life, etc. Everyone already knows them, it’s better to pay attention to the criteria that should be followed when choosing a payment system so as not to get lost in the sea of ​​​​offers and choose really reliable option.

Criteria for selecting payment systems

I will list them briefly detailed description, because it is obvious.

1. Year of foundation and work experience. Naturally, the larger it is, the higher the level of trust is often.
2. Types of contracts, i.e. connectivity for individuals and legal entities, residents and non-residents of the country where the company is registered. Pay attention to the last Special attention, companies do not always offer the same conditions to citizens of different countries.
3. Transfer rates, limits and commissions.
4. Security (binding to a phone number, email address, full name, etc.).
5. Online reviews.

In principle, nothing complicated. Usually all this information is on the official website of the company and the registration agreement. And reviews are easy to find online.

Technological development of the payment industry places great emphasis on innovation, convenience, as well as improving the efficiency of processes. Both small businesses (online stores) and large brokerage companies are faced with the need to accept payments. It is important to get a reliable partner that will ensure effective competition in the current e-commerce market conditions.

Neteller

Recently, Skrill has not been inferior in popularity. It has been operating in more than 200 countries for 10 years.

It differs from the previous one in a slightly smaller number of currencies (23) and much higher fees for transferring to other payment systems, for example, in order to transfer money from Neteller to Qiwi, you will have to pay about 8% of the amount. There are also commissions inside the system, but they are small and set at tenths of a percent.

Among the advantages it is worth noting:

• the opportunity to get VIP status immediately upon registration;
• Net + MasterCard card available for all CIS countries and allowing you to withdraw money from all ATMs in the world;
• increased limits on money transfers and withdrawals;
• high security.

As for cooperation with brokers, we can say that almost all companies accept payments from Neteller, and with minimal (and sometimes absent) commissions.

The security of the system is also at a decent level, all payments require confirmation. But, verification is necessary, without it it will not be possible to work normally.

PayPal

Probably the most famous payment system in the world, which has, on this moment over 200 million active accounts. Works all over the world, most popular in the USA. But in Russia, for some reason, it is not as popular as the previous two.

Accounts can be opened in 25 currencies, and there is nothing to say about the level of PayPal security, the highest performance, the account is almost impossible to hack. Transfer fees are low.

But, due to the relatively low popularity of this system in post-Soviet countries, sometimes a problem arises that is the opposite of the one that was with Qiwi and WebMoney, when foreign brokers accept payments in PayPal, but domestic ones do not. And this happens quite often. Even, where everything seems to be there, PayPal introduced calculations relatively recently, and it broke such commissions that it is simply unprofitable to use it.

Results

In general, summing up, we can say that all the payment systems mentioned in this article are reliable and safe. The conditions for working with them are also, in general, similar, with the exception of the issue of limits and an error of 1-2% in transfer fees. Well, decide which option to choose by consulting with representatives of your trading broker, or by looking at the list of systems supported by him on the official website. That's all for now, until we meet again.

Sincerely, Nikita Mikhailov

Hello, dear readers of the blog site. Electronic money is becoming more and more dense in our lives. This is primarily due, which has now become one of the most necessary attributes of our lives.

Moreover, it has long since crossed the level when we only scooped knowledge there. Now we live in the network - 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 you 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 for lure), which might not have been in the absence of a struggle for a client.

Of course, within the framework of one article, it will not be possible to cover all the players (and now there is still a wild hype around, 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 (mostly at the end of the last and the beginning of this millennium). At that time, monetary relations (, etc.) began to actively develop on the Internet, and plastic cards were the only available form of payment. The emergence of Internet money options has significantly simplified 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 lying on them not only for any operations within the Internet, but also in real life. So, for example, a system linked to an account, from which it will be possible to 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 such services.

In Russia you can highlight 3 leading payment systems, but to put them in their strict places, I think, is unlikely to succeed. In each 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 acceptance terminals work with it. At the same time, WebMoney is used by almost everyone who earns in the Russian-speaking part of the Runet. 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 making a single payment or authorization on sites without confirming this action on my mobile phone (a confirmation code comes in the form of SMS, or you put special application to the phone to generate it).

Also, the safety and security of these electronic money depends. There are several of them, and I once wrote about some of them in some detail:

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

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

Electronic Yandex Money

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

This payment system allows you to deposit and withdraw funds in many ways, as well as pay for many services and goods. There is a mobile phone application that allows you to conveniently work with your e-wallet without having to download a browser. And in general about that, read in the given article.

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 of such systems have already appeared, but Peyoner (or Pioneer) is still very much in demand, because many bourgeois exchanges and earning sites cooperate only with him.

The main feature of the system is to receive a branded card and withdraw money from it earned in a foreign land through any ATM in the world. Although now it is possible to withdraw money from a Payoneer account directly to a local bank account and with a not very large percentage of the commission, many do not want to “shine” their income in the bank and use the card, because it is not associated with a bank account (prepaid) and problems with tax only when using it should not be.

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

RURU- a relatively new domestic electronic payment system that allows you to pay for services (goods), as well as transfer money both within the system and to instant payment services, other payment systems and bank cards. the wallet is linked to a mobile phone number, on which, by the way, you can install a mobile application for quick payments.

10 most popular cryptocurrencies in the world

Cryptocurrency is generally difficult to attribute to payment systems, because due to the nature of this system, there can be no owners or people managing (and even administering) this system. She is launched and she begins to live her life without actually obeying anyone (all thanks to cryptography based on the great and terrible, which simply works wonders). This is its beauty and, in a sense, its disadvantage.

It is also difficult to equate crypto-currency with electronic money, because there is still no developed network of services and goods that could be bought with crypto-money. Somewhere something is possible, but it is still in its infancy. But at the same time, speaking of electronic money, it’s impossible not to plunge into the crypto world. Why?

Because Cryptocurrency is a great tool for speculation, i.e. fast, often high-risk, but also very high earnings. Someone sells housing, and in a month or two doubles his capital. Someone plays "on a small scale" and has a stable additional source of income. There is a rush demand for cryptocurrency and it becomes more expensive.

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