How to make electronic money. What is an electronic wallet. Reviews of the best e-wallets

The development of online commerce and online payment for services has led to a sharp surge in payments using electronic money. What is virtual currency and can it become real? Which payment system is the best and is it worth giving up bank cards in favor of it? The answers are in our article.

What is electronic money?

Electronic money is not essentially money as such, since it exists exclusively in virtual space and are issued by the payment system, and not issued by an authorized state bank.

To make it easier to understand, let’s compare electronic currency with securities that are exchanged for real money at the time of cashing out. Virtual currency is conditionally equivalent to real currency. This is done for the convenience of payment system users. For example, 1 webmoney (WMZ) corresponds to 1 ruble. But each electronic system has its own tariff, so 1 WMZ ≠ 1 Qiwi.

Today you can pay with electronic money for housing and communal services, cable and satellite television, mobile communications, Internet (including hosting), pay fines for violating traffic rules, make purchases in online stores, purchase railway and air tickets, and even make transfers to repay loans.

Bank card and e-wallet: which is better?

It is difficult to compare payment systems with bank cards and electronic money: each has its own specifics and scope of application.

The advantages of electronic payment systems include:

• speed of wallet creation. On average, this takes no more than 5 minutes, and there is no need to go to the bank, fill out a form, open an account and receive a card. The entire procedure for registering a virtual wallet is carried out at home using a telephone and a computer connected to the Internet;

• the ability to make financial transactions anonymously. When creating an electronic wallet, it is enough to indicate fictitious data, and then it will be extremely difficult to find out on whose behalf the payment was made or who received the transfer.

However, there is one nuance here: if you register anonymously, you will not be able to cash out. To get your hard-earned money in your hands, you need to transfer it from an electronic wallet to a bank card (account), and according to the law, this can only be done when both the wallet and the bank account are registered to the same person.

Another disadvantage of anonymity is the limit on the amount of financial transactions. Each payment system has its own, so carefully read the user agreement before entering fictitious data;

• efficiency of calculations. Money transfer is carried out almost instantly. There are situations when speed is everything;

• convenience when making payments while shopping in foreign online stores. It is enough to create a wallet in the currency of the country in which you are making the purchase.

In the case of electronic money, there was a fly in the ointment. The disadvantages of virtual currency include:

• Some online payment services have a ban on commercial payments. For example, Yandex.Money will not allow you to purchase spare parts for your own car service or pay for the consulting services of a consulting company that assisted your individual entrepreneur in drawing up a business plan;

• impossibility of returning erroneously transferred money. When you're dealing with bank account(card), you have a chance to return funds transferred to the wrong recipient. A similar procedure is provided for by law. Yes, it requires your personal presence at the bank and takes a lot of time, but you will still get the money back. But in the case of electronic payment systems, alas;

• weak degree of protection against fraudsters. Any programmer can hack your electronic wallet with a certain level of skill and desire. Therefore, users of electronic payment systems prefer not to store large amounts in their wallets or to transfer them there immediately before payment;

• You have to pay for some transactions. The size of the commission for all payment systems is different - from 0.5% to 5% and depends on the type of transfers;

• transferring money from the wallet of one payment system to the wallet of another (say, from WebMoney to Qiwi) is excluded, while with bank cards this is quite possible, the only question is the amount of the commission.

How to choose an electronic payment system?

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An electronic wallet is 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 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 in all fields payment form. If the user does not remember the number, CVV code and expiration date by heart, and the card is not at hand, it will not be possible to make a payment. To use an electronic wallet, just enter its number.
3. For comfortable work V global network. Remuneration is optimal solution For . It is much more convenient for customers to deposit funds into a wallet than to make a bank transfer. And again, it’s safer.
4. For prompt execution of operations. Bank transfers can take from a few hours to several business days. 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 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 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 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.

If you are puzzled by the question of how to create a webmoney wallet without spending a lot of time searching necessary information, then you have come to the right place! Now we will look at a detailed example of how to quickly do this. In order to create wallets, you first need to register in the system and receive your personal WMID (user registration number). Each person can make up to ten such registrations, which means that if desired and necessary, you can receive 10 WMIDs and, accordingly, the required number of wallets for each account. So, let's get down to action.

Registration of a new WMID!

Initially, you need to go to the website http://www.webmoney.ru/ and click on the “registration” button:

The system will immediately request your mobile phone number. It is important that this number is valid and accessible, since access codes will subsequently be sent to it:

The next step after entering the phone number is to fill in personal data (date of birth, country of residence), as well as security question when restoring access to your account and address Email:

If you do not want to receive notifications in the form of news or various promotions, uncheck the corresponding fields, as they are checked by default. Next, the system will allow you to check the entered data again, and if an error is detected, you can always go back to make a correction:

If everything is filled out correctly, click on the “continue” button and you will be taken to the phone verification page. At this stage, an SMS message with a special code will be sent to the specified mobile phone number, which will need to be entered in the appropriate field:

If you still haven’t received the SMS message, click on the link called “HERE” and the service will transfer you to the support service. At this stage, it will be necessary to either send an SMS message with the specified text to any of the provided numbers (there is no additional charge for SMS, everything is within the limits tariff plan mobile operator), or scan the QR code using a special application to recognize it (if such a program is installed on your mobile phone):

After clicking the “continue” button, the page of your personal Keeper Standard wallet will open. Specified number phone number automatically becomes the page login. Next, you need to come up with a strong password to log in. Do not duplicate your email password under any circumstances - come up with a new one and enter it twice. You also need to indicate the digital verification code from the picture:

After performing these actions, a message will appear stating that there are no wallets - and this is absolutely true, because you have just completed the registration stage:

How to create a webmoney wallet in Keeper Standard ?

Having closed this notification, you can see the 12-digit WMID code and pseudonym certificate appearing in the right corner (we’ll talk about what this is a little later). To create a wallet you only need to perform a few steps. On the top, already open, panel of the “finance” tab, in large letters it says “CREATE A NEW WALLET”. Just below from the drop-down menu you can select any of the proposed types. We also be sure to agree to the terms of use of the certificates and click the “create” button:

The following message will appear to confirm that all actions are correct:

Now you can see the created wallet in the “finance” menu:

Let us remind you that no matter what title characters you use to create wallets, they have a clear structure: the letter is indicated first, and then a twelve-digit code. The correspondence between currencies and wallet types can be seen here:

We also note that the user has the right to open all of the specified types of wallets (but there are some restrictions). So, to add the following type, you need to click on the plus sign in the top panel of the “finance” menu item and select “create wallet” from the drop-down menu:

The further procedure is no different from the actions already described. On the screen we see a field with a drop-down list of types of currencies - select the required one, accept the terms of the agreement and click the “create” button:

What restrictions exist when creating wallets?

Now that you know how to create a webmoney wallet, let’s return to the question regarding the certificate. As you have already noticed, after registration you are automatically assigned a pseudonym certificate. During the registration process itself, you also did not need to enter your full name, passport data and identification code. By the name of the certificate itself, you can understand that your data is not available to the system - in this case, you are incognito. This status has its pros and cons. The advantage for you is that your passport data is not exposed on the Internet.
The thought of this makes some users uncomfortable, although in reality there is nothing wrong with it - the data is simply stored on the WebMoney server. Now let's move on to the shortcomings, and there are many more of them. At the stage of creating wallets under a pseudonym certificate, you may encounter the problem of creating them in other title units. Allowed for creation are a wallet in the currency of your country, as well as WMZ, WME and WMG. If you try to create a wallet in other titles, you will see the following messages:

If there is a need to create wallets other than those allowed for the pseudonym passport, you will have to upgrade your passport.

How to upgrade a pseudonym's certificate to formal?

To do this, you need to follow the specified link, after which the following window will appear:

As you can see, the login was filled in automatically based on your WMID. Confirm your entry with your password and the number from the picture. Formal is the next level certificate, which is also issued free of charge to WebMoney participants, but with certain requirements. Here you will not only need to enter your personal data, but also attach photographs or scanned copies of your passport. In return, the participant gets the opportunity not only to open additional wallets, but also to carry out additional actions to use them, for example, replenish them by bank or postal transfer, withdraw funds different ways. You can learn more about all this from the following publications: Thus, owners of a formal certificate receive many more opportunities than owners of a pseudonym certificate. And the majority convenient ways Both deposits and withdrawals require a minimum of a formal certificate with verified passport data. To receive it, after authorization, click on the “get a formal certificate” field:

After this, the system will issue short instructions on why this type of certificate is needed. If you have not changed your mind, then click on the “continue” button:

Now you will need to fill in the required data (your personal data, such as full name, address, passport details):

You can either fill out the recommended data or refuse. But a photo or scan of passport data is required for uploading. After checking the data you provided with copies of your passport, a decision will be made to issue a certificate. It is very important that all data matches, otherwise the application will be refused. After receiving a formal certificate, you will have many additional very convenient features of the WebMoney system!

Now you are armed with knowledge about how to create a webmoney wallet and what you need to pay attention to. However, before receiving a formal certificate and creating different types wallets, make sure you really need it. The WebMoney security system is built in such a way that you will no longer be able to delete both your account (WMID) and a separate wallet. You may not need to use all the functions of the system, and you may well be limited to the pseudonym certificate along with the established restrictions. The choice is always yours!

You will learn how to open an electronic wallet in various payment systems, how to top it up or withdraw money. Read all about the features of registering and using electronic wallets.

Good afternoon, dear readers! Denis Kuderin is with you, a staff expert at HeatherBober magazine on financial topics and a professional editor.

For five years now I have been working exclusively remotely and receiving my salary via the Internet. For these purposes I use bank cards and electronic wallets. Now I have accounts in all the popular payment systems on the Runet: I use each of them periodically.

Today I will tell you how to create an electronic wallet quickly and without hassle, how WebMoney differs from YandexMoney, and what is the most profitable method of withdrawing money.

You will also learn who should definitely have a virtual wallet, what accounts are used for international payments, and how to correctly convert electronic dollars into electronic rubles.

1. Who may need an electronic wallet

I started my first electronic wallet (EC) about 10 years ago for payments with a bookmaker. Since then I active user electronic payment systems (EPS), and I know all the pros and cons of each company.

At one time I only used WebMoney and avoided other services, then I realized that the competitors of this service have their own advantages. Now it’s more convenient for me to work with YandexMoney and Qiwi.

At the same time, I use online banking. In some situations, direct transfers from card to card are preferable.

The services that we call “electronic wallets” are a kind of intermediaries between individuals, companies, and organizations making financial transactions among themselves. Like any intermediaries, they charge commissions for their services. In some systems they are more, in others less, but in general the fees are quite noticeable.

Registration in most domestic services It's free and doesn't take more than 5 minutes. You have the right to create an anonymous storage facility for digital currency - in this case, no one will know your personal data when receiving and transferring money.

But keep in mind that anonymous accounts have limited functionality. Thus, in an anonymous Yandex wallet, the user has the right to store and cash out only 15,000 rubles.

The main advantages of payment services are speed, convenience and reliability. You won’t lose your electronic wallet or leave it at a party. To use the funds, you only need an Internet connection.

Who needs an e-wallet:

• freelancers and remote workers - designers, translators, writers, editors, web programmers;
• owners and employees of online stores;
• buyers of goods and services on the Internet;
• owners of websites, blogs, public pages and groups on social networks who make money from advertising;
• players in bookmakers and gaming services;
• anyone who needs to pay for services, work, material or digital products remotely.

In other words, the need for electronic payments occurs periodically in every citizen.

Internet banking is, of course, great, but it is not always fast and convenient. And not everyone has bank accounts. Opening a bank account is somewhat more difficult than opening an EPS account. As a rule, systems do not charge money for account maintenance - you pay commissions only for specific transactions.

Without payment services, modern online commerce would not have such development.

EPS is used by both ordinary buyers and large businessmen - for example, when purchasing wholesale quantities of goods at Western auctions, experienced people prefer to pay using the PayPal system. The account in this system is linked to the card, and all payments are instant.

Such as Yandex and Qiwi even issue their own plastic cards. You pay 200 rubles for three years of service, and you no longer need to withdraw money from your account to go to the supermarket for groceries.

Pay by card without losing interest on cashing out! And this is not an advertisement for the service - I myself use such a card wherever there is acquiring. Comfortable, fast and no need to search your pockets for change.

Payment systems and cryptocurrency

The creators of the cryptocurrency intended to radically change the system of mutual settlements on the network - to eliminate the intermediary completely and thereby reduce the cost of transactions.

So far the task is only half completed. That is, blockchain technology has been created and is working, but so far only a few people are using financial settlements in crypto.

This means that it is too early for wallets to turn into dinosaurs of the digital world - on the contrary, the popularity of EPS is steadily growing, as evidenced by statistics. Millions of new users register with the services every year. Even my retired dad has an EC, which he uses successfully.

2. How to open an electronic wallet - instructions for beginners

Registration of a new EC is the simplest process available to every reasonable person. Payment services strive to simplify the wallet creation algorithm as much as possible, but some steps cannot be shortened.

Expert observation: speed and ease of registration are not the main indicators of quality. Electronic money storage must first of all be reliable and convenient. Another important criterion is prevalence.

For example, almost all online stores accept WebMoney and YaD, but the Wallet One (Unified Cash Desk) service is not one of those known to everyone, despite all its advantages.

For an active Internet user the best option– registration in several EPS.

In Qiwi

To register a new Qiwi-wallet, you only need a phone number. In Russia, Qiwi is one of the most popular ECs for paying for services, entertainment and goods.

How to open an account:

1. Go to the official website of the company. Learn information about the capabilities and benefits of Qiwi.
2. Click on “Create wallet”.
3. Enter your phone number.
4. Enter the code that will be sent in the SMS message into the appropriate field.
5. Come up with complex password for authorization.
6. Sign in.

Additional options from Qiwi - ordering plastic for offline payments, cashbacks in online stores: at the time of writing - in Nike, AliExpress, Media Markt, Lamoda, etc.

Qiwi has thousands of payment terminals throughout Russia, and the process of creating an account takes on average 1-2 minutes.

More details about this EPS in the video:

On Yandex.Money

The Yandex.Money EPS has been operating in the Russian Federation since 2002 and carries out transactions only in ruble currency.

The procedure for creating an CI is as follows:

• if you already have Mailbox in Yandex, the process is simplified - log in, go to the “Money” section and select “Open wallet”;
• identification occurs by mobile number to which you will be sent an SMS;
• After filling out all the required fields, all you have to do is log in to your account and use all its options.

If you want more opportunities, order a YaD card. It will arrive by mail in 7-14 days.

There are three levels of accounts - Anonymous, Nominal, Identified.

I will present their differences in the table:

There are several ways to pass identification: in Yandex.Money offices, in Euroset and Svyaznoy stores, through Sberbank Mobile Bank.

In WebMoney

The oldest EPS in Runet. It is successfully used not only in the Russian Federation, but also in Belarus, Ukraine, and Europe.

Currencies – rubles, hryvnias, dollars, Belorussian rubles, bitcoins, litecoins. The conversion of one unit to another within the service works, but the exchange rate is not always favorable.

Registration in WebMoney is more complicated than in other electronic payment systems and takes longer. This is explained by the developers' concern for customer safety.

Algorithm for creating an EC:

1. We go to the registration page in the system (receiving an identification WMID numbers), enter the phone number.
2. Next, you are taken to a page with a large number of fields for entering personal data. Fill them out thoroughly and honestly, otherwise identification problems may arise in the future.
3. You will receive a letter by email, which you need to open and follow further instructions: enter the verification code, confirm your phone number, enter the password that will be sent to you via SMS.
4. After registering in the system, the process of creating a wallet follows. Select the appropriate tab and the currency in which you will make transactions.
5. To gain access to fund management, you must obtain a certificate of authenticity. This is done by sending passport data to the administration.

Owners of WM wallets have access to several levels of certification - pseudonym certificate, formal, initial, personal. The higher the level, the more opportunities the user has.

For the convenience of users, special client programs called Keeper have been created. They are downloaded to your computer or phone and used for payments and transactions. Activating them, storing keys and transferring them to another computer is a topic for a separate discussion.

3. How to top up an electronic wallet - proven methods

It is always easier to replenish your wallet than to withdraw money from it. Companies benefit from having users deposit as much money as possible into their accounts. more money, and therefore the commission for replenishment is either minimal or completely absent.

Let's look at the most popular replenishment options.

Method 1. From a bank card

The simplest and quick way. Especially if the card is already linked to your EPS account. If not, then you need to enter your bank card number and top-up amount.

The system commission is 1%, some banks charge additional interest.

Method 2. Through payment terminals

Another reliable option, although not as fast as online transfer from a card. To top up your account, you will need to leave your home and visit the nearest place where a payment terminal is installed.

In large cities there are such machines in every supermarket and store. Terminals can be specialized (for example, devices for Qiwi clients) and universal, which can be used by owners of any wallet.

The commission depends on the ATM and the amount of replenishment.

Method 3. Transfer from another wallet

It happens that you have money, say, on WebMoney, but you urgently need it on Qiwi. Order a transfer of funds from one EC to another and use the funds in a couple of seconds.

Method 4. Cash

Let me explain using the example of POISON. Go to a bank, Euroset or Svyaznoy salon and make a transfer, or use international payment services. If these are partner companies, they will not take a commission; in other services, be prepared to pay up to 5% for the transfer.

Method 5. Using a bank transfer

An option for those who are not in a hurry and prefer official banking transactions. Find out the EPS details and make a transfer through a bank branch.

Please note that the transaction takes up to 5 days.

4. How to cash out

Converting virtual money into real money involves paying a commission. Cash withdrawal rates in different EPSs range from 2.5 to 5%. There are restrictions on amounts for different types of EC. And some anonymous accounts do not allow such an operation at all.

Let's look at the most popular methods.

Withdraw to bank card

Not to say that it is profitable, but it is fast. Link the card to your account and withdraw without problems within the established limit.

If I urgently need cash, I transfer it to an Alfa-Bank card from Yandex cash desk. I lose 3%, but in other systems the rates are similar. In other words, 100 virtual rubles is not 100 real, but somewhat less.

Transfer to bank account

It takes longer, but some employers prefer a bank transfer: it’s easier for financial reporting. Withdrawal speed – from 1 to 7 days.

Enter your details carefully: if you make a mistake in one number, the money will be returned, or even stuck in the system indefinitely.

Use the service of exchangers

The most difficult and least reliable method. Online exchangers charge workers 5-7% for each transfer. Use them only if other options are not available.

In 2016, WebMoney unexpectedly experienced a system failure, as a result of which transfers from WMR to cards of Russian banks became impossible. I had to use payment services like Unistream or resort to the services of exchangers. Both options were long and expensive.

Not all exchange offices are equally efficient - in some the money arrived in the account in 15-20 minutes, in others you had to wait a day or more.

There are other, less popular withdrawal methods. For example, through the offices of some EPS, which are located in large cities.

The hardest thing is for residents of countries that do not have their own payment companies. I have friends from Kazakhstan who receive payments via WebMoney (other EPS either do not work there or do not provide for cash withdrawal). Cash withdrawals there are carried out by private merchants who charge from 10 to 20% for their services.

5. Conclusion

Let's summarize.

To open an electronic wallet, all you need is your desire and a few minutes of free time. Each EPS has its own interesting features and its disadvantages. Cash withdrawals involve a mandatory commission. Payments within the system and online occur instantly.

Question to readers:

Which payment systems are you personally willing to trust with your savings?

We wish you a lot of money in your account, regardless of the payment service. Share experiences, stories and comments. See you again!

The popularity of electronic money is growing. With their help, you can pay remotely for services provided, pay for purchases on the Internet, and receive funds for work done. In order to be able to use this tool, you must have an electronic wallet. And although creating it is quite simple: you need to figure out how to create an electronic wallet and where it can be done.

What is an electronic wallet, and what services exist today that allow you to create one?

By electronic wallet we mean special program, with the help of which the user can store his money and perform various manipulations with it. In fact, this is a kind of analogue of a bank account. Funds stored in such a wallet can be transferred to the required account within a few minutes.

Today there are a large number of services on the market that provide similar services. The most popular among citizens of the country are three services:

• WebMoney;
• "Yandex money";
• QIWI.

The difference between the systems lies in the currencies they work with, the features they provide, and the fees. When choosing a specific service, a citizen needs to focus on why he needs an electronic wallet, in what currency he is going to store the funds and how he will use them.

Creating a wallet in WebMoney

One of the most popular services is the WebMoney system. Users can store funds in several currencies. The company began its work in 1998, having managed to acquire a solid customer base during its presence on the market. Opening a wallet in this system is easy. To do this, you must follow the instructions:

Since new users are assigned a formal certificate, they can only use the Keeper Mini service at first. After entering it, you need to opposite the menu "Wallets" click on «+» . After creating a wallet (you need to select a currency and agree to the terms by checking the box), you can start using it.

A formal certificate comes with certain restrictions. If the user needs to expand the functionality of his wallet, he must go through the certification procedure. After this, it will be possible to obtain a higher level certificate.

"Yandex money"

A little later, another similar service was launched - Yandex.Money. This happened in 2002. Like WebMoney, Yandex today has a large number of regular users. However, unlike the previous service, Yandex allows you to store currency only in rubles. Therefore, the advisability of its use by persons who need to store funds in another currency is questionable. You can open an electronic wallet in the system as follows:

1. Register a mailbox. If there is already one in the Yandex system, go through the authorization procedure.
2. After this, the user will be transferred to his personal page. At the top there are items: Maps, Videos and More. You must click on the item "More" and go to the section "Money".
3. In chapter "Money" you need to select an item “Open wallet.”
4. First of all, the user will be asked for a cell phone number. In the future, it will be possible to restore access to your wallet if you lose your login or password.
5. In the next part of the questionnaire, you will need to enter the code that was sent to your mobile phone, indicate your email address, and also agree to the terms of use.
6. After all fields have been filled in, you must click on “Open wallet.” Accordingly, after this action, the user will be assigned a separate electronic wallet, which he can use for his own purposes.

Previously, the registration procedure could be completed without using a cell phone, but this option was removed due to the need to improve the security of funds stored in wallets.

QIWI e-wallet

Even younger is the Qiwi payment system, founded in 2007. A notable feature of the service is the presence of many terminals in different cities of Russia, through which you can access your own funds. That is, even if there are problems with the Internet, the user can still use their funds using the nearest terminal.

Registering with the Qiwi service is quite simple. To do this you need:

The wallet number corresponds to the mobile number. It is possible to use four different currencies, including tenge, dollar, ruble. The service charges a commission of two percent for its services. However, previous systems also charge money for making payments.

Thus, before creating an electronic wallet, the user needs to decide on the purpose of opening it. The choice of a specific system will depend on them. Today there are a large number of electronic payment systems that provide similar services, but the most popular are three services: WebMoney, Qiwi, and Yandex.Money. The procedure for registering and creating a wallet is quite simple, just follow the instructions given above.