Electronic wallet in euros. Which e-wallet should a freelancer choose?

What is the best way to get an e-wallet in Russia?? This question is asked by experienced users who already know that there are hidden commissions.

It is also worth remembering that in Russia many stores use only popular payment methods with the most famous electronic wallets. Therefore, we will look at universal wallets for life and business!

TOP 5 electronic wallets that are worth having

I use 15 different electronic wallets for transfers, but I can highlight as many as 5 that are used on the Internet in 90% cases and one can replace the other!

Click on one of the links above to learn more about each wallet and why it's better than the others.

1.Qiwi

Qiwi- this is not just an electronic wallet, but a whole bank! Qiwi ATMs can be found every 200 meters in a major city to top up your account or use additional services.

Information about Qiwi:

• Account replenishment: bank transfer (0%), Qiwi terminal up to 500 rubles (3%);
• Withdrawal methods: bank account (1.6%), to a bank card (2%);
• On-chain transactions: 0%;
• Visa card: 149 rubles;
• Availability of bonuses: cashback in 1000 stores.

Transfers from Qiwi to a Visa card occur instantly, but to MasterCard and Maestro the money takes two days.

Anyone can register for 149 rubles buy a Visa card, which will provide free banking services and no commissions when paying in stores. They will also give you increased cashback in 1000 different stores.

2. Yandex Money

Yandex money- an alternative to Qiwi. Usually, where Qiwi is not accepted, you can always transfer money using Yandex. However, the conditions are slightly worse than those of our leader.

Information about Yandex Money:

• Ways to top up your account: Sberbank (0%), any other bank (1%);
• Withdrawal methods: bank card (3% +45 rubles), bank account (3%);
• Payment for goods and services: commission 0%;
• On-chain transactions: 0.5%;
• MasterCard card: 199 rubles for 3 years;
• Availability of bonuses: cashback in 50 stores.

Everything looks good, and the most important thing is that they are developing very quickly and every year the audience of users increases significantly! People are often asked to make transfers using Yandex Money.

3. Payeer

Payeer is the most popular electronic wallet for anonymous payments on the Internet. It is also used by casinos (they allow you to replenish your account and withdraw money without commission).

Information about Payeer:

• Account replenishment: bank transfer (5-6%), exchangers (3.5%);
• Withdrawal methods: best through exchangers (1 to 1);
• Payment for goods and services: 0% commission;
• On-chain transactions: 1%;
• Suitable for MMM projects.

Usually they open this wallet and start playing games with bonuses, visiting special sites and collecting money. That is, it is profitable to create it to make money on the Internet.

4. AdvCash

AdvCash is an analogue of Payeer, which is located in Cyprus and requires identity verification. But any transactions within the network occur without commission.

Information about AdvCash:

• Account replenishment: bank transfer (1-3%), other electronic wallets (1%);
• Withdrawal methods: bank card (3.95+50 rubles), exchangers (1 to 1);
• Payment for goods and services: 0% commission;
• On-chain transactions: 0%;
• Suitable for MMM projects.

Nowadays it is most suitable for investing money on the Internet. Since there is no commission inside the system, no one will take part of your profit!

5. PayPal

PayPal- the most popular e-wallet in the world! Thanks to his freebie skills. And if you need to make international transfers and buy things from abroad, I think PayPal will be the best option.

PayPal Information:

• Account replenishment: bank transfer (0%);
• Withdrawal methods: bank card (0%);
• Payment for goods and services: 0% commission;
• On-chain transactions: 0%;
• Suitable for MMM projects.

Any deposits, transfers and withdrawals in one country occur without commission.

That's all, if you know another e-wallet that is better than these. Be sure to write in the comments and explain why (we may add to the list).

Electronic wallets play a huge role for modern users. Honestly, they are extremely important for those who prefer to work and earn money directly on the Internet. For such people this is a very useful invention. An electronic money wallet can be registered in different systems. But which ones are the most popular? And what features and capabilities do such services have?

Description

An electronic wallet is a kind of user profile designed for storing and managing electronic funds. They can be deposited into the account through terminals, bank transfers or any other virtual method.

An electronic wallet is also a kind of account that helps you earn money on the Internet. This is something like the user's virtual cash vault. A very useful thing, if you think about it. You have your own profile, your wallet number and address are attached to it, after which you can use various functions of the service. They make life and shopping as easy as possible. What types of wallets are there? Where do users most often find them?

Leaders

Payment systems and corresponding virtual wallets are two important components for any modern user. But where can you get a profile for managing electronic money? There are a huge number of options, but there are leaders here too.

The most popular of its kind is the Webmoney electronic wallet. This is an international payment system that helps you quickly and easily work with money in your account. At the same time, information is given here about each user. And there are very few scammers. Collaborates with most banks in the world, making it easy to use cash.

Next is the Qiwi e-wallet. Also a good option, but WebMoney is significantly inferior. You can start it if you plan to make small expenses and don’t particularly like withdrawing money from the Internet as cash.

It is also worth paying attention to the Yandex service. He also has an electronic wallet. "Yandex. Money" is called. Unfortunately, despite the ease of use and convenience for users, most sites do not respect this hosting. Moreover, after withdrawing money to the appropriate electronic account, accounts on sites are often blocked. After all, scammers are often found in Yandex.Money. But this is also quite a worthy service.

Purchases

But what are e-wallets for in general? As we have already found out, to perform some transactions with electronic means. But what exactly can you do? Perhaps you can understand how much you need an e-wallet.

For example, with its help you have the right to make purchases on the Internet. Usually no commission or other surcharges. Convenient, fast, simple and reliable. Almost all stores now cooperate with electronic wallets and only allow you to order online. You don’t have to worry about having cash and don’t even have to leave the house to buy something. A few clicks using an e-wallet and you're done.

Payment for housing and communal services

Payment for services also takes place. And electronic wallets help their owners pay utility bills and fines quickly and without problems. You just need to know the recipient's bank details. And of course, have a certain amount of money in your account. All this will help you quickly and without unnecessary hassle (sometimes without commission) pay the bills and fines that you have.

True, this process is sometimes difficult to cope with. The main problem is finding a recipient. But with practice this moment disappears. So e-wallets help pay bills and debts. It is very comfortable. And if you have a printer to print out a receipt, then in general a wonderful picture emerges.

Output to card

Another function that all electronic wallets have is the withdrawal of money to a bank account or card. A very popular method that allows you to quickly and easily transfer funds to “plastic” and cash out certain amounts of money.

Perhaps this is what interests many users. True, a commission for such actions is usually taken. Not too big, but still. Approximately 15 rubles. Some wallets also charge an additional fee for bank transfers or card transactions. Around 2-3% of the transfer amount.

There are also limits on withdrawal and storage of funds. On average, you most often cannot transfer more than 15,000 rubles at a time, and from 50 to 100 thousand per month. Each electronic payment system has its own rules. And they need to be recognized. There is nothing difficult or special about it. All information is available directly in the relevant sections of the electronic wallet. A few clicks and you're done.

How to get

How to create an electronic wallet? To do this, you will have to register on the hosting of your choice and link your email address and mobile phone number to your account. The absence of the last point, as a rule, does not allow the process to be fully implemented.

Please note: To enjoy all the benefits of e-wallets, you will need to be an adult citizen. Then there will definitely be no problems. Register on the selected service (for example, “WebMoney”), fill in your details and information about yourself, and then confirm the registration (both via mail and via mobile phone).

All that remains now is to learn how to use money transfers and perform various transactions. In addition to all of the above, users can transfer electronic money to each other to virtual wallets without any problems. Such a function will definitely be found in the “Payments” or “Transfers” sections.

Status

Electronic wallets have one more small feature - this is their status. Initially, all users receive an initial one. It has a lot of restrictions. The status for an electronic wallet is important. It changes with the addition and confirmation of information about yourself.

For example, in WebMoney you can expand your capabilities with the help of a formal certificate. This is the name of the status for which you need to upload a photo of your passport data to the website and enter it into the user information. It will be available only to you and the site administration.

Each status system has its own conditions for obtaining, names and restrictions. But usually the most important point here is to upload passport photos and completely fill out your profile with mobile phone confirmation. That's all. Now e-wallets are no longer a mystery. Try to take advantage of their capabilities - you will not regret it!

Electronic money no longer seems like a novelty. Moreover, today they are perhaps even safer than bank cards. Among other things, it is through electronic wallets that all financial transactions of freelancers take place. At least most of them.

And although WebMoney and Yandex Money are mainly popular in the CIS and Russia, there are other systems that are no worse, and for some even more profitable.

We decided to compile a complete list of Runet electronic wallets known to us today.

If we talk about the leaders among payment systems and those who are in greatest demand among Runet users, then there are not many of them. Or more precisely, three. I wouldn’t rank them in order of popularity, since everyone chooses a wallet that is convenient for themselves first and foremost. But based on my personal experience and communication with both customers and other freelancers, the top three look something like this:

1. WebMoney

This electronic payment system can probably be called the main one in domestic freelancing and among other Runet users in general. To be able to pay for anything online or receive payment from customers, you need to register in the system, receive a WMID, and then confirm your identity. It is worth noting that Enum has a good security system, which does not allow you to make payments without confirming the code sent to the mobile number linked to your account or using a special program that must be installed on your phone. This way, no one except you will be able to carry out any financial transaction or withdraw money from your account.

Another advantage of WebMoney can be considered a relatively low commission for any transfer of funds - only 0.8%, as well as a wide selection of Internet currencies: WMZ (dollars), WMR (rubles), WME (euros), WMU (hryvnia), WMB (Belarusian rubles) and many others. In addition, any electronic currency can be exchanged within the system at the official rate.

2. Yandex Money

A fairly popular system in Russia that allows you to link a MasterCard card to your online wallet, and then pay with it in markets without deducting a commission: it is charged only if you withdraw money through an ATM. Of course, this is a very convenient system with wide capabilities, but for people who are not residents of the Russian Federation, registration will create some difficulties.

To be more precise, it will take you at most five minutes to register and get a wallet number, but in order to start using it and be able to make payments and accept transfers, you will have to run. If citizens of the Russian Federation simply need to send a scan of their passport through a special form for verification, then others need to contact the Yandex registrar in their city and fill out an application for identification through it, paying a certain amount. Or you can do this by sending yourself a completed application form downloaded from the website and by registered mail.

3. Kiwi

A very convenient and simple system that has gained enormous popularity thanks to terminals located throughout the CIS and Russia. A huge advantage of this wallet is that when you create it, you are given a virtual QIWI Visa card, with which you can pay for anything online, just like a real plastic card. The account is replenished very easily through terminals, and if necessary, you can order QIWI Visa Plastic, which can be used to pay in any stores and withdraw money from the account.

When transferring funds from one Qiwi wallet to another, no commission is charged, however, if you want to withdraw money to a bank card, then you will be charged a commission, both from the system itself and from the bank.

There are other, less popular domestic payment systems that are no different from the main leaders, although among them you can also find those that offer something special, and sometimes even more profitable.

RBK Money

Of course, it is difficult for this system to compete with the titans of electronic payments, but it has something that can attract users, namely the absence of commission not only for intra-system transfers, but also for depositing funds, and sometimes for withdrawal. Like all other systems, it is possible to link a plastic bank card to an account and a mobile application for convenient work with electronic money. Alas, you can only use the system in Russia.

Liqpay

An electronic payment system of Ukraine that allows you to link a virtual account to any MasterCard or Visa card (for depositing funds), as well as to an account in Privat Bank or a Visa card of any other bank (for withdrawal). Although the system positions itself as nothing less than international, it has not gained much popularity outside the CIS, and in principle in Ukraine itself.

EasyPay

This payment system, which is Belarusian, is somewhat similar to the RBK Money wallet, only in this case it is aimed at residents of Belarus. However, people who are not citizens of this state can also register with EasyPay. And although the system received relatively fewer bad reviews than its analogue from Russia, its commission for withdrawing funds is higher. In addition, you can withdraw money directly from your wallet only in Belarusian state signs. If you want to withdraw funds in a different currency, then you will have to transfer them to the wallet of another payment system.

Single Wallet

It is also considered the main competitor of Kiwi, albeit with slightly less coverage. The Unified Wallet, unlike its rival, has more currencies, but is mainly used by users to pay for everyday household payments. One of the advantages is the possibility of anonymous work with electronic money. I guess that's all. It is possible that the other advantages of this system are simply buried under a bunch of negative reviews, which, by the way, are more than those of any other Runet wallet.

Next time we will get acquainted with the list of foreign electronic payment systems, and in the near future we will try to talk in more detail about the operation of each wallet, its capabilities, advantages and disadvantages.

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 (electronic commerce, etc.) and the only available form of payment was 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 earns 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 install a special application on your 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. Read about the most profitable ways to do this 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 a mobile phone application that allows you to conveniently work with your e-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. Nowadays, quite a few similar systems have already appeared, 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 an excellent 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.

We've released a new book, Social Media Content Marketing: How to Get Inside Your Followers' Heads and Make Them Fall in Love with Your Brand.

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 convenient work on the global network. Remuneration is the 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. Transactions with electronic money are carried out 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 a 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, the functionality is very simple, each payment system provides round-the-clock 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, this is the best option, and for online purchases, QIWI Wallet is better.