What is electronic money. Electronic money and wallets in payment systems Electronic money and its meaning

Most Internet users actively use virtual payment systems. Electronic money is suitable for instant payment transactions in the system from your wallet and replaces bank cards or accounts for many. There are a large number of Russian and foreign online systems with which you can easily pay for purchases, receive transfers, etc. Before you start using virtual money, it is worth studying in detail the features of different services.

What is electronic money

Not every Russian is familiar with the concept of virtual money and the possibilities for using it. It is worth noting that this type of replacement of rubles or foreign currency differs from coins and banknotes in that their owner stores them on a separate “virtual” resource. Electronic money is the obligations that the issuing organization undertakes in the form of funds at the user’s disposal, stored on an online resource. This segment is part of the virtual payment systems market.

The definition refers to a transaction carried out through digital communications. The user's virtual money can be a debit or a credit. They are not traditional money in a common currency, but are means of payment, certificates or checks (this may depend on the rules of the law and the specific EPS). The functions of settlement instruments do not differ from coins or banknotes issued by the Central Bank.

Characteristic

Modern monetary systems perceive such means of payment as money that is not subject to exchange, has a credit basis, is used for settlements, circulation, accumulation, and has a certain level of reliability. Virtual money has the following characteristics:

fixed cost within the EPS;
the ability to use for various payment transactions, which are considered final after implementation.

Properties

Virtual money has properties based on traditional and relatively new ones:

portability;
liquidity;
divisibility;
versatility;
durability;
convenience;
anonymity;
safety.

Story

The phenomenon of virtual money began to be studied by financial organizations since 1993. Initially, prepaid plastic cards were considered electronic means of payment. As a result of the analysis, virtual cash acquired legal status in 1994. While studying the technological schemes for using prepaid cards, banks decided that the spread of such payment systems would require constant monitoring of their development and changes. This is necessary to maintain the integrity of the products.

Since 1993, the active development of virtual money began, not only based on smart cards, but also based on networks. Three years later, European central banks decided to monitor the EPS of different countries of the world. After this, analyzing the development of virtual money became a traditional process. Initially, monitoring data was confidential, but since 2000 it has been made publicly available. At the moment, residents of 37 countries constantly or periodically use virtual money.

Digital money in Russia

In the Russian Federation, over the course of 13 years, online money has developed from magnetic plastic cards, which were issued by individual organizations, to global Internet systems. Already in 1993, Russians began to use the first similar funds. The first mentions in the press of money based on smart cards date back to approximately the same period. Until 1999, payment systems were actively developing, displacing banking products from the market. In the 2000s, network-based electronic money began to be used.

Types of electronic money

As a rule, the following classifications apply to any virtual money:

Access method: smart card/network based.
Access level: anonymous/personalized.
Government influence on digital money: fiat/non-fiat.

The most popular payment systems in Russia are:

Yandex money;
MoneyMail;
QIWI;
Skrill (formerly MoneyBookers);
WebMoney;
Rapida;
RBK Money;
PayPal;
Mondex,
"One Wallet";
Z-Payment;
Liqpay;
NETELLER;
PayCash;
EasyPay.

Based on smart cards

This type of digital money is a plastic medium with a microprocessor on which is recorded the equivalent of the cost paid by the client to the original issuing organization in advance. Cards are issued by banks or non-banking organizations. Using plastic, the client can pay for purchases and services at all points of acceptance of such a payment instrument. Cards are issued multi-purpose or branded (telephone, for example). The tool is suitable for making a payment transaction or withdrawing funds through an ATM.

Among the variety of plastic cards, there are two types: debit (for storing one’s own funds, savings, payments) and credit (the owner of the plastic card spends money within a certain limit, which will then be required to be reimbursed to the issuing organization). A popular option for digital cash based on smart cards are products of the VisaCash and Mondex payment systems.

Network based

To use this cash option, the user needs to install a special program on his smartphone or computer. Money is suitable for purchases in online stores, virtual casinos, games and other transactions. They are multi-purpose and are accepted not only by issuing organizations, but also by other companies. Among the most famous network-based electronic payment systems are: Yandex.Money, Webmoney, Cybercash, Rupay. This type of service has a high level of security.

Fiat and non-fiat money

There is another classification of virtual money. They are divided into fiat and non-fiat. The first type includes the monetary units of a specific country, expressed in the national currency. The issue, circulation, cashing and conversion of fiat money is ensured by state legislation. The second option is a currency issued by a non-state payment system. Government authorities of different countries control the issuance and circulation of non-fiat money to a certain extent. This option refers to a type of credit money.

Legal status

Since September 2011, electronic payment systems have been controlled by Federal Law No. 161. It reflects all the requirements for issuing organizations and the conduct of monetary transactions. Previously, this industry was controlled by different laws, but with the entry into force of the draft “On the National Payment System”, it became a single document regulating the relations of the parties.

From a legal point of view, electronic money is a perpetual obligation of the issuer to users of payment systems. The issue of funds is carried out as a credit limit or amount of obligations. The circulation of virtual money is carried out by assigning the right of claim to the issuer. Accounting is carried out using special software or electronic devices. As for the material form of virtual money, it represents information that is available to users around the clock.

The economic status of virtual money is a payment instrument that has the properties of traditional means or payment instruments, depending on the chosen method of implementation. What virtual currency has in common with cash is that users can make payments without using banking systems. Electronic funds are similar to traditional payment instruments in that the client can transfer an amount or make a payment without opening an account with a financial institution.

Electronic money and forms of its use

As a rule, electronic funds are used in online business. This payment instrument is considered as one of the forms of market economy. Using virtual money, you can make payments between clients and companies, while avoiding a large number of unnecessary expenses or loss of time. Due to the technical component, electronic payments are carried out instantly, which distinguishes this method from banking transactions.

Internet payments

One of the reasons why Russians are starting to use electronic money systems is the ability to instantly make payments via the Internet. The service is available around the clock. You can send money to any other accounts using the details of organizations, individuals, other wallets, in the form of payments for housing and communal services or cellular communications, etc. All transactions are saved by the system and tracked. Instead of the traditional client signature, an electronic digital signature is used - the most reliable way to protect user funds.

Credit cards

Another option for using virtual funds is credit cards. Using a physical plastic medium, the owner of an electronic wallet can spend virtual savings when paying for purchases in supermarkets, hotels and anywhere where bank cards are accepted. However, in this case, it is important not to transfer personal data to third parties so as not to lose money. It is especially dangerous to save details of such cards in online stores.

ATMs

Quick service terminals and ATMs are another convenient way to use your virtual savings. To receive cash, you need to issue an online card in the payment system with bank details, but without physical media. It is issued instantly and allows you not only to receive cash through ATMs, but also to pay for purchases online. Using bank terminals, users can not only withdraw money from virtual wallets, but also replenish online accounts.

Bank checks

To get cash from financial institutions, you can consider using electronic savings such as issuing bank checks. There are several ways in this case:

Transfer of funds to a bank account with subsequent withdrawal.
Transfer of virtual savings to a bank that will exchange them for cash.
Sending electronic money using an international payment system with the possibility of receiving it at any bank.

How electronic payment systems work

Each system has its own operating principles. As a rule, the founders of such non-bank payment services introduce their digital currency (bitcoin, DigiCash, webmoney, letters of credit, certificates, E-Gold). The fact is that it is illegal to count electronic funds in rubles or dollars. In fact, users can only hope that the EPS cares about its reputation, because there are no legal guarantees at all.

The operating principles of different payment systems are similar. The founders issue their own currency, after which a cloud financial structure is organized, which includes the following:

The official Internet portal through which transactions on user accounts and registration of new participants are carried out.
Electronic wallets with data on how much a specific client has.
Online terminals or gateways through which user wallets are replenished.
Some payment systems create their own network of ATMs or exchange offices.
It is imperative that the EPS must establish cooperation with a financial institution through which the conversion of real money into electronic money will be carried out.

Opening a wallet

To create an online wallet, the user needs to fill out a form indicating personal information and phone number. It is worth noting that initially the client receives anonymous access to payments in the system, so passport data is often not checked. However, to move to a higher level and gain access to all the capabilities of the system, you need to undergo identification. Additionally, you can link your bank card to your wallet. This option is not provided by the PayPal service, but the service is available in the Yandex.Money or WebMoney payment systems.

The procedure for using an electronic drive includes the following steps:

Registration in the selected system.
Installing a special program on a PC (for example, WebMoney Keeper and others).
Creating a virtual wallet or several at once (currency analogues).
Refill.

How to withdraw funds

If it is easy to carry out incoming and outgoing transactions with electronic wallets directly through the website, then cashing out existing money requires the help of a financial institution or the presence of an ATM. Withdrawal of funds is made to the client’s account, card or mobile phone using the details. In addition, the use of payment acceptance points is allowed. In this case, the user must transfer money to his wallet and receive a password for cashing out.

As a rule, to withdraw funds from an electronic wallet, a client needs:

Have an account in EPS.
Know how to use special programs correctly.
Obtain a sufficient certificate in advance (for example, formal or personal; certain types exist for servicing legal entities).
Have the required amount in your account, taking into account the commission.

Cashing out

Modern users who do not know how to withdraw money from an electronic wallet can use one of the methods below:

Transfer through a financial institution with conversion into the equivalent of the desired currency if necessary.
Return of unused funds through EPS.
Transfer of a legal entity to an individual.
A standing payment order issued by the issuing organization.
Through the guarantee.ru service.
Send an instant transfer to yourself / another person.
Using exchange offices.

Advantages and Disadvantages

The use of online systems has its advantages and disadvantages. Before you open a virtual wallet, you should familiarize yourself with them. Among the most important advantages are the following:

the ability to make payments around the clock from any country in the world;
instant transactions;
ease of use of systems;
no need to stand in queues;
high degree of protection against counterfeiting;
portability of virtual money;
no risk of losing the appearance of banknotes during long-term storage of savings;
complete absence of the human factor (all payments reach the addressee).

Among the disadvantages of using EPS, it is worth noting the following:

there are commissions for transactions;
there is a risk of wallet hacking and theft of savings;
loss of funds due to loss of data for authorization in the system;
lack of control over the activities of the EPS by state services.

Video

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You will learn the names of electronic money, which are most popular in Russia, how and where you can buy such means of payment, and what are the features of cashing them out.

Good afternoon, dear readers! With you is Denis Kuderin, editor-in-chief and part-time expert of HeatherBober magazine on financial topics.

I work remotely and receive my salary via the Internet, namely through online banking and through electronic payment systems (EPS). I have accounts in at least 5 of these services, and I use them more or less regularly. Electronic money is convenient, fast and reliable, provided that you use it wisely.

I will tell you what the pros and cons of electronic money are, how to manage them correctly, which wallets are preferable for domestic and which for international payments.

You will learn how profitable it is to cash out digital money, where the lowest commission is, and why you cannot put an equal sign between WMR and rubles.

1. What is electronic money and how did it appear?

It is useful to know about electronic money for everyone who intends to use or already uses money payments on the Internet. If you want to pay for the services of a provider, throw money at your phone, buy a bike in an online store, get paid for the work done by a designer, author, translator, payment systems will become your reliable assistant.

EPS has only one alternative - Internet banking. But not all service providers, customers and employers support financial settlements through a bank. For some it is expensive, for others it is unprofitable, and for others it is inconvenient. EDs provide additional freedom of action in this regard.

What is electronic money (ED) from a legal point of view? This is a kind of obligation assumed by the issuing organization. They represent the equivalent of real money stored on an online resource. This is part of the virtual financial market.

What is the level of reliability of cashless systems in comparison with banks? It will be difficult for a non-specialist to compare the degree of vulnerability of a personal Internet account in a bank and an account in an EPS.

The developers assure that your funds will be kept equally secure both in the bank and in virtual wallets. But a bank is still a bank, that is, a place, by definition, intended for storing money. And EPS is primarily a service for virtual payments and only then storage.

Hence the conclusion: storing large sums on electronic wallets is not the wisest step. Keep funds here for operating expenses and everyday payments. It's better to keep the rest in a bank account.

Historical reference:
The need for remote electronic payments appeared almost immediately after the widespread spread of the Internet. The first full-fledged EPS appeared in 1997. In Russia it was a platform called CyberPlat, which allowed instant payments through secure channels.
The first online payment in the Russian Federation was carried out in 1998. In the same year, the WebMoney platform, which is still successfully operating today, went into operation. The date of the first transaction was November 1998. Now WebMoney Transfer has more than 36 million users around the world.
The legal regulation of the status of ED is regulated by the Federal Law on PS of 2016.

ED is the equivalent of real monetary units. They perform the same function as regular money and are legally taxed. Some services even issue plastic cards that have the same capabilities as traditional bank plastic.

Personally, I have a YandexMoney plastic card, which I use to successfully pay in supermarkets, coffee shops, cinemas and wherever there are acquiring machines.

The only disadvantage of this card is the 3% commission for cash withdrawals. But some banking products also require interest on withdrawals, so this is a relative minus.

Let's list the main advantages of ED:

Convenience– most payments and transfers are made in one click.
Reliability– if necessary, you set up confirmation of transactions via SMS: no one except you will know the code for the operation.
Durability– money is stored in the wallet as long as you need.
Liquidity– transfer virtual funds into real ones at any time.
Anonymity– if desired, the recipient and sender remain unknown.
Safety– all EPS use modern algorithms for protecting funds and transactions.
24/7 service– services are automatic and work seven days a week.
Versatility– almost all banks, online stores and service sites accept electronic payments.
Anti-counterfeit protection– they will not transfer you a counterfeit bill electronically.
Portability and comfort using.

Among the disadvantages of virtual coins are the presence of a commission for some operations, the risk of account hacking by attackers, and loss of access to the wallet if the authorization data is lost.

The last drawback can be easily eliminated if you go through full identification. For example, in YaD, for this you need to come to the organization’s office (or to the Euroset salon) with a passport and pay 50 rubles. After this, it will be easier to restore access if you lose your password and code word.

To use EPS, a person only needs access to the network, an ATM or a card issued by a payment system. But I have to warn you that not all countries accept electronic payments. When traveling abroad, it is wiser to use the international EPS Visa and MasterCard.

2. Ways to use electronic currency

The main area of application of ED is settlements between users (individuals, companies, public organizations).

Payments are made instantly thanks to modern digital technologies. This distinguishes EPS from transactions with bank accounts, which are often delayed for several hours or even days.

Let's consider all the ways to use virtual money.

Method 1. Internet payments

This is the main use case – payments on the Internet for goods, services, work performed. Money from an electronic account is sent to other wallets, bank cards, accounts of organizations and individuals.

Payments are available around the clock. Pay when it’s convenient for you for purchases, housing and communal services, Internet providers, cellular operators, government services, traffic police fines, etc. All transactions are tracked and saved in the transaction history.

If required, you will receive a check by mail with details and payment date. Print it out and use it as proof of payment.

Method 2. ATMs

Terminals and ATMs are another popular tool for using digital money.

Using hardware, they top up accounts, pay for purchases, and receive cash.

Method 3. Credit cards

Some systems allow you to pay with credit funds when paying for purchases in stores, supermarkets, hotels and other places.

In addition, you have the right to pay off expenses from credit cards using electronic money.

Method 4. Bank checks

You transfer ED to a bank account, then withdraw funds from a bank or ATM.

Another option is to send electronic money using international EPS, the recipient receives the transfer at the bank. The method is not the fastest, but sometimes it is the only possible one.

3. What types of money are there on the Internet?

I have used all three EPS presented below and can reliably indicate the advantages and disadvantages of each service.

I would like to warn you in advance that these electronic documents are beneficial to use only for internal payments in the Russian Federation and neighboring countries. Make transactions with Europe, the USA and other countries through other services.

1) WebMoney

The oldest PS in Runet. It is noteworthy that it is used not only in the Russian Federation and neighboring countries, but also in some Western European countries.

WebMoney has several types of currencies:

WMR – account in rubles;
WMU – in hryvnias;
WMZ – in dollars;
WMB – in Belarusian rubles;
WMX – in bitcoins.

There are even accounts in litecoins and gold. WebMoney bills are paid through the Keeper website or client, as well as through banks, exchange offices and other payment services.

The disadvantages are the same as those of other EPS: commissions, difficulties with transferring to cash. So, in Kazakhstan, in order to cash out WMR, you need to pay a commission to exchange offices from 10 to 30%.

Among the shortcomings that affected me personally is the complex and lengthy identification process. There are many steps and procedures required to obtain a personal certificate. Not everyone has the desire or time for such manipulations.

Another point is the difficulty of transferring Keeper (the client for working in the system) to another computer and recovering the password if it is lost.

Many also remember the situation with vague sanctions by companies several years ago - withdrawal of money from any WM accounts was unavailable for a long time. It was necessary to use complex withdrawal schemes from the account, with a loss of 5 to 10% of funds.

2) Yandex.Money

In the Russian Federation, this is perhaps the most popular platform for online transactions.

Three types of wallets are available to users:

anonymous;
nominal;
identified.

They differ in the amounts that are allowed to be stored in the account, limits on payments and cash withdrawals.

When cashing out funds or transferring to a bank card, you will be charged a 3% commission.

3) Qiwi

A convenient and modern payment system with many terminals throughout Russia and wide capabilities. Your Qiwi account is linked to your phone number: to log in, you only need your number and password.

The service is convenient for those who are not particularly comfortable with the Internet, but use a telephone and terminals.

In addition to the above, I would like to draw your attention to the PayPal system - if you pay for purchases in foreign online stores or auction sites (for example, on AliExpress or EBay), then this service is ideal.

Service comparison table:

4. How and where you can buy electronic money

The easiest way to buy electronic money is where it is most often used, namely on the Internet. To purchase virtual money, you need to register on the website of the system of your choice and create a virtual wallet.

There are several replenishment options:

From a bank card.
In cash - through banks, salons of partner companies (for YandexMoney and Qiwi these are: Euroset, Svyaznoy, Megafon).
From a mobile phone account.
Through ATMs.
From wallets of other payment systems.
Through translation services – Unistream, Contact.
Through Russian Post and Rostelecom.

Find out how to purchase ED on the websites of payment companies and from telephone consultants.

Personally, I rarely use such an option as “Replenishment” for the reason that the inverse function – “Withdrawal” – is more relevant for me. But my friends assure that the most popular replenishment option is payment terminals. Transferring from a card is faster, but for this the system charges a commission of around 0.8-1%.

5. Features of cashing out

The main feature in this matter is obvious: 100 virtual rubles are not 100 real ones. That is, WMR is not the equivalent of RUR. This is a couple or three percent less. Different systems charge different commissions, and much depends on the method of cashing out.

Not all types of wallets and certificates provide cash withdrawal. For example, in WebMoney, cash withdrawal is available only to authenticated users. And the process itself is not available in all cities of the Russian Federation, but only in those where there is a WebMoney office.

It is much easier to withdraw money to a bank card and then cash it out at an ATM. Or get an EPS card and also cash it out at an ATM. It's quick and easy, but you will lose a certain amount - that's what payment companies make money on.

I rarely withdraw cash from my YandexMoney card, but as an experiment I did it at the nearest Sberbank ATM. I lost 3% from 1000 rubles, but now I can say with confidence that the withdrawal works.

It is much more expedient to use this card to pay for goods directly, by bank transfer. In this case, no interest is charged - neither in supermarkets nor in online stores.

As for the lowest commission for cashing out, users' opinions are divided. Some believe that WebMoney is more profitable, others believe that, taking into account all the extra charges, this system removes more than Poison.

I have practiced both output schemes. At the time of writing, the Yandex service is more convenient and slightly cheaper in this regard.

Watch a video on comparing virtual wallets:

6. Conclusion

Electronic money is convenient, fast and safe. The user is required to choose the right service according to his needs and follow the rules established in the system.

Everything in this world is constantly changing, and of course money changes. People are gradually switching to electronic currency. But not everyone knows what electronic money is and how to use it. Many people think that electronic money is ordinary paper money that is simply used to pay for Internet services. In fact, electronic money is virtual, conventionally invented banknotes that have the force of real paper money.

Where does electronic money come from?
Like any money, electronic money needs to be earned. The Internet is an unlimited source of earning electronic real money. Everyone earns their money in their own way, some write articles to order, some play poker, some sell shampoo or candles, some play on the stock exchange.

What can you buy with electronic money?
Almost everything. On the Internet you can buy a house, apartment, car, or just a pack of pasta with home delivery. If we talk about the Russian-language Internet, then we mainly use electronic money to buy electronic equipment, cell phones, books, jewelry and cosmetics. In the West, many people have stopped going to regular stores altogether. Since it is more convenient to buy in virtual stores than in regular ones. A person simply goes to the website of the store he needs, searches for the required product, compares prices with other stores, and then orders home delivery. The convenience is that, firstly, a person saves his time. For example, you can choose a sofa during your lunch break, after work, by this time, the sofa will have already been delivered to the buyer’s home, and you can already relax on the new furniture.
Secondly, no one puts pressure on the buyer or tries to push him an unnecessary product. That is, no sales consultant will get on your nerves with his attempts to sell stale goods. Thirdly, any product, even a handkerchief, can be ordered for home delivery. In the USA, for example, many electronic stores offer free delivery throughout the country. In our electronic stores, it is very expensive. The cost of delivery consists of the weight of the goods, the commission for work and the distance to the buyer. So, for example, if you buy the cheapest shampoo on OZON.RU for 100 rubles, then its delivery, say, to Nizhny Novgorod, will cost 250 rubles. That is, 2.5 times more expensive than the product itself. Of course, if the owners of online stores do not figure out how to reduce delivery costs, then it is unlikely that online shopping will be in great demand in Russia.

How to use electronic money?
There are special computer programs for working with electronic money. The program is very popular in Russia WEB MONEY. The so-called electronic wallet is downloaded from the website of the same name, installed on your home computer, wallets are created in the desired currency (rubles, dollars, euros, etc.), and then you can use your money. The program is easy to use, although it has flaws in terms of money security.

How to convert electronic money into real rubles.
In order to convert electronic currency into paper currency, you need to come to the exchange office with your passport, having previously sent the electronic payment and your secret password to the exchange office wallet. At the exchange office, after you show your passport and give your secret password (you come up with this password and only you know it), the cashier will give you your legal real paper money, but will only charge a commission for services, approximately 4% of the amount.

Advantages of electronic money.
You can top up the balance of your cell phone with electronic money without leaving your home, and without any commission. You can use electronic money to pay for the Internet, utility bills, and any goods that are sold in online stores. Electronic money saves time, and sometimes some online stores offer discounts when paying with electronic money.

Economists believe that electronic money is the future. Since they are the ones who allow us to avoid queues at the bank, at the post office, in the store, and therefore save the most precious thing - our time.

The development of e-commerce and Internet earnings has led to the rapid development of electronic payment systems (EPS), which offer every user of the World Wide Web to use electronic money for various purposes.

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 heard. Of course, it will not be possible to cover all the EPS, but we will consider the most popular ones.

Payment systems of Russia

In Russia, there are several leading payment systems. In each individual case, you need to choose exactly according to your needs.
For example, Qiwi is truly a “people's” system and everyone who knows what payment terminals are works with it.
At the same time, WebMoney is used by almost everyone who makes money in the Russian-speaking part of the RuNet.
Both Yandex Money and other electronic wallets have their own audience.

You can withdraw electronic money from Qiwi in different ways (through instant payment systems, to bank details or to payment cards), but in most of them you will be charged a certain percentage (commission).
But there is still a way to withdraw funds interest-free and quite convenient - order a QIWI Visa Plastic card from them, with which you can pay for purchases both on the Internet and in regular stores, and no commission will be charged for this.

These electronic money do not have such popularity outside the Internet (like Qiwi). Not so many users pay for communal services, but the bulk of the money earned in RuNet is received and withdrawn from this Internet payment system.

This system is attractive because you can attach a plastic card to your wallet, so that you can then use it to pay in stores 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).
A very convenient way to withdraw your earnings on the Internet.

The main purpose of electronic money from mail.ru is to make online payments, for which the tariffs have been optimized - you will not be charged interest for entering and paying for goods in online stores. But for internal transfers, and even more so for withdrawals, a commission is provided (withdrawing money in real life through Mail.ru is generally not very profitable, compared to other payment systems).

In general, they are ideal for those who use them to pay for games on Mail.ru or any other services, and also receive transfers within the system.

More recently, Money Mail.ru was swallowed up by the insatiable QIWI.

International payment systems

PayPal is fiat electronic money, unlike many other payment systems. The purpose of creating this system was to ensure the security of payments from a card linked to an account. In this case, you do not need to fill out your card details, and also receive some guarantee from the system regarding the delivery of goods paid for via Paypal.

If the product was not delivered or it turned out to be of poor quality, then there is a very real possibility of returning the money by opening a dispute (within a month and a half after payment). Read more about how on our website.

This system also has its drawbacks, of course. In my opinion, there are very high interest rates for replenishing a wallet (compared to the usual RuNet payment giants), but in many cases it is still more profitable than using some other payment systems or schemes for withdrawing money from the Internet.
Read how to start one on our website.

Verification in the system is not required and you can completely receive, deposit and withdraw money from Perfect Money anonymously. But... If the system suspects that you are committing fraudulent actions, your wallet may be blocked.

I want to earn electronic money!

When entering online commerce, you must be prepared to study a lot of information related to making money and using electronic currency.

Of the wide variety of types of earning electronic money, the most popular can be identified:

Creating your own website, which provides many types of income.
Using email services such as and .
Selling content using freelance and copywriting exchanges.
Building a referral network, offered in most commercial projects.
Use of affiliate programs.
Resale of various goods.
Earn money on games by selling paraphernalia and game currency.
Arbitration, traffic resale.
Providing various services, optimization, website content, etc.

The listed ways to earn money are not all of the ways you can earn money on the Internet. Absolutely anyone can earn decent money online, because some ways of earning absolutely do not require knowledge of Internet technologies.

If you are interested in finding an online job, take active steps, start really looking for an employer, and not sit waiting for a miracle. Only your activity can influence the quick search for your job.

How to earn money using a Webmoney e-wallet?

In RuNet, WebMoney is the most popular payment system, and we have compiled instructions especially for beginners. It began work back in 1998 and remains a leader in many respects.

To make your wallet as secure as possible, download the client and save the key file.

To earn currency use:

Earn electronic money online on Payeer

Of all the payment systems, this is the youngest. Despite this, more and more sites are connecting to it, as people like to use such wallets.

Firstly, it is easy to transfer funds from them to balances in other payment systems. Secondly, you can simply withdraw funds to a bank card. To get money on your balance, work on these sites:

Seal

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