1. What trends in the use and development of payment instruments could you note in recent years?

Marat Abasaliev, PayOnline
Before the crisis, we experienced a steady increase in card payments - customers began to trust online shopping more and finally appreciated the convenience and benefits of online shopping.

One of the fundamentally new technologies is the introduction of contactless payments. International payment systems introduced Visa payWave and MasterCard PayPass, allowing payments to be made with one touch of the POS terminal in supermarkets and stores. It is also impossible not to note the first confident steps of global payment systems in the field of electronic wallets- V.ME from Visa, MasterPass from MasterCard. They allow you to combine several payment instruments under one “pay” button.

Don’t forget about the growth of payments from mobile devices (smartphones and tablets). According to PayOnline, in 2015, almost 40% of online shoppers made purchases from mobile devices, and in 2016, judging by the trend, more than half of payments will be made on smartphones and tablets.

P2P transfers continue to gain popularity, including through social networks and instant messengers. Many users still have doubts about the security of money transfers via messages, but data encryption is becoming more advanced. new level- messengers are starting to fight for the title of the “safest” method of communication, so we can expect that this method of money transfers will soon become quite commonplace.

Sergey Belyaev, RFI Bank
There are not so many main trends. Firstly, business goes online: communication with clients in a language they understand and on a platform they are familiar with. Moreover, offline does not die, but is integrated into this process. Secondly, the increase in the use of contactless payments, especially in supermarkets and hypermarkets. Not only is it fashionable, it reduces checkout downtime by a few seconds. And a second on one client is already a big plus. Thirdly, the spread of mobile card readers, pinpads and other things. A small device allows you to accept a card wherever your smartphone can connect to the Internet!

Igor Nazarov, Shopolog
In recent years, a number of trends have remained stable: the growth of sales through mobile phones, the increase in the share of non-cash payments, the entry into the electronic payment market of companies that have never previously provided financial services, and the simplification of tariff schedules.

Among the latest trends, we can highlight the increased demand for customization (niche solutions) of payment services for various online stores (small, medium, large; with a call center, offline representation, subscription sales, etc.).

Maria Mikhailova, National Payments Council
Using payment cards for payments rather than cash withdrawals. In 2015, people were 41.5% more likely to use a card to pay for goods and services than in 2014 (according to the Bank of Russia). An increasingly important role in the development of infrastructure is played not by its traditional components that provide offline interaction, but by online payments: on the Internet and using mobile phones. There is currently no independent data that would allow us to see not only the state of the national payment system at the macro level, but also to track consumer payment behavior.

Dmitry Spiridonov, CloudPayments
The trend is everything related to mobile phones. Recurring and recurring payments, adaptive form for any device, card linking to NFC technology, custom solutions for online business, without dependence on payment systems and PCI DSS.

Vyacheslav Fedorov, e-MoneyNews
Over the past 2 years, investments have been seen in payment technologies related to QR codes, mobile payments via NFC solutions, and the use of an account with a telecom operator as a source of payment for small transaction amounts both online and offline.

Vitaly Tsigulev, Digital Finance
Firstly, the entry of many fintech startups into the market, their confrontation and partnership with traditional banks. For example, in the field of accepting payments on websites, banks have long lost their primacy to Internet companies. According to some studies, only 10% of merchants are directly connected to accepting payments through a bank, while the rest work with payment gateways or payment aggregators. But in the Russian realities of very careful regulation of all processes related to money, it is quite difficult for startups to develop without being an independent bank, its part or an NPO. Secondly, probably the main trend is blockchain (a chain of connected blocks, each of which contains a hash of the previous one and is processed on distributed servers). One of the first large-scale implementations of this technology on the Russian market was recently launched by the National Settlement Depository: the organization switched to a blockchain system for electronic voting of bondholders. Not everyone fully understands distributed registry technology yet, and how exactly it should be applied in each specific case, but listening to experts and following Western colleagues, more and more large financial organizations are beginning to invest in this area.

2. What, in your opinion, are the most promising areas? further development mobile payments? For what purposes will they be used? Who will be the main user?

Marat Abasaliev, PayOnline
Mobile operators will continue to try to “get” subscribers to use a SIM card as a payment instrument. Here we foresee serious competition with Apple Pay, a technology that allows the use of wearable devices and smartphones as a full-fledged means of payment for both online and offline payments. Following Apple, players are emerging who provide a similar payment option via NFC in conjunction with Internet payments. By functionality Apple devices and their competitors are on the same level. The choice of users will depend on additional options, price segment and, of course, brand.

Another noticeable trend is e-commerce in social networks and instant messengers. An online store on VKontakte or Instagram will no longer surprise anyone, and until recently these social networks acted exclusively as a showcase and a channel for communication between the seller and the buyer. Now we see solutions that allow us to turn a public page or community on a social network into a full-fledged online store. This is an excellent solution for those who have built up a customer base of subscribers over several years and can now conveniently convert it into sales without redirecting customers to the online store page.

Igor Nazarov, Shopolog
The idea of ​​messenger applications in which you can chat and get everything looks quite interesting and promising. necessary information and make a purchase. Most recently, the chairman of the board of directors of Yulmart, Dmitry Kostygin, announced the creation of a similar messenger for purchasing goods. With world development mobile technologies and instant messengers, we can soon expect the integration of payment instruments into popular whatsapp apps, Facebook, Viber, Telegram and others.

If we look at it more comprehensively, mobile payments must be used in conjunction with other important elements of e-commerce - loyalty, special offers and rewards.

Maria Mikhailova, National Payments Council
First of all, the mobile phone will replace self-service banking terminals. Secondly, the phone becomes a material carrier for a bank card. The less effort required from a person to “turn” a payment card into a “phone,” the greater the chance that payments of small amounts and those made in a “hurry” will be made by “phone.” This is payment for business lunches, taxis, and everyday purchases. The third is payments using funds in the account with the telecom operator. Mobile communications, parking, p2p transfers.

Dmitry Spiridonov, CloudPayments
The tourism segment, air tickets, car sharing, and medical services are gaining momentum.

Vyacheslav Fedorov, e-MoneyNews
Mobile payments are different from each other, and each type is promising in its own market segment. Firstly, mobile payments, which allow payers to operate a subscriber account with telecom operator, and used for payments both on various sites (games, online cinemas, online stores) and offline (vending machines, TV shows, paid parking, etc.). Secondly, mobile payments, which use a bank account as a source of money and an NFC chip as a payment interface. The latter allows you to use a fairly extensive payment network of Visa and MasterCard, built thanks to the banking network for accepting payments (shops, transport, vending machines, etc.).

For the most part, mobile tools are now used by “innovators”, and in some segments by so-called “early adopters”. The main growth in demand for the “early majority” will come later. One of the drivers of growth will be bookmaker companies that are allowed to collect bets via the Internet, providing their services online.

Vitaly Tsigulev, Digital Finance
An important trend is the emergence of mobile payment systems such as Apple Pay, Android Pay, Samsung Pay. I would not write about this if it were not for three events that took place one after the other at approximately equal intervals. First, Samsung announced the launch of its payment service in Russia in the middle of this year, then information leaked that Apple was negotiating with leading Russian banks to launch its wallet at the end of 2016, and then Yandex.Money announced that you can now pay using NFC, using MasterCard Cloud-Based Payments (MCBP) technology directly from the mobile application and account in your Yandex.Money account.

3. What are the main limiting factors for the growth of the payment instruments market and possible ways to combat them?

Marat Abasaliev, PayOnline
All attention is now focused on the banking sector. Acquiring banks, direct participants in processing, processing payments, are currently experiencing stricter influence from the regulator in the person of the Central Bank of Russia. Those processors and payment aggregators who, in the pursuit of profit, chose less reliable banks as partners, giving more “interesting” commission rates, today risk being left without acquiring banks at all. The moment a bank loses its license, the payment aggregator rushes to find a new partner, but even a week’s downtime leads to an outflow of customers. The concentration of players is growing, the market is monopolizing, and online stores are the first to suffer - they go to new payment partners on different terms and again spend time and money connecting to a new partner. The current crisis is causing the e-commerce market to take a step back - sellers are leaning back in favor of cash payments, reducing their costs.

The solution that will be most effective at the moment is a constructive dialogue between the Central Bank, the Electronic Money Association and professional market participants. The payment instruments market still has a long way to go - it is necessary to simplify and optimize many processes, but due to the influence of many third-party factors, this is not as fast and easy as everyone would like.

Sergey Belyaev, RFI Bank
The main limiting factor to the growth in the number and quality of tools is the incomplete understanding of these tools on the part of users. It is indicative that the majority of Russians withdraw money from their salary card on the very first day of their accrual. And we should rather not fight this, but rather work with the population to help, remove objections and explain all the advantages.

Igor Nazarov, Shopolog
Currently, there are no particular constraining factors that could fundamentally affect the payment instruments industry. Retail and payment solutions go hand in hand; the development of the former necessarily affects the latter. The desire to provide quality goods and service is always rewarded with sales. The same applies to payment solutions - how convenient, understandable, and profitable the service is, the more in demand it is.

Maria Mikhailova, National Payments Council
It is more correct to talk about the growth of non-cash turnover. The concept of a market is redundant in relation to payment instruments. A payment instrument is simply a way to initiate a payment and, by and large, it doesn’t matter exactly how this happens: a person inserts a card into a POS terminal or the kettle itself generates a debit according to a given algorithm to pay for the energy it consumes.

Non-cash turnover should be recognized as a priority of economic policy. Only then will it be possible to use the obvious advantage of non-cash payment: its electronic nature, ensuring its complete transparency, which is not used today. Non-cash payment will become economically profitable due to paperless interaction with the buyer and control authorities, reducing the cost of administering payments and other things. This will provide an incentive for the development of all forms of payment instruments. The payment instruments segment must be extremely competitive. Only fierce market competition in this area will ensure the quality and safety of payment services for consumers. And the third important component is that it is necessary to build a modern infrastructure for identifying payers. Anonymous payments will quickly become a thing of the past.

Dmitry Spiridonov, CloudPayments
Firstly, payment technologies with innovative solutions are difficult to access for small and medium-sized e-commerce businesses. Large, historically established players in the payment market do not undertake to solve the needs of newly created projects, startups, small and medium-sized companies, especially without confirmed turnover. Or they solve them incompletely and for an additional fee.

Secondly, large businesses do not have e-commerce simple solution, which allows you to independently manage the payment infrastructure without obtaining a PCI DSS security certificate. At the same time, any need to change the payment solution (customization, design, placement, field adjustments, etc.) requires the preparation of a separate technical specification, followed by labor-intensive implementation on the side of the payment service.

Thirdly, low conversion of payments. The reason lies in many details, including cumbersome anti-fraud protection settings, rules on the side of the payment service itself, as well as an outdated and incorrect payment process algorithm: with extra fields, steps, transitions, etc.

Fourthly, the lack of a full set of payment instruments in one solution for accepting bank cards online, with 100% confirmed working cases. Often technical capabilities, declared by existing payment services, are not implemented in practice, or are only in the development stage.

Finally, existing processing centers do not have modern technologies fault tolerance, while abroad they are constantly being developed and implemented, in world experience this is a constant trend.

Vyacheslav Fedorov, e-MoneyNews
The limiting factor is the unwillingness of a large number of business players (retail) to switch to full transparency of their activities. Continuing to evade taxes, they accept cash for payment.

Over the past 1.5 years, the Central Bank and Rosfinmonitoring have greatly reduced the level of “cash-out”, thereby stimulating the growth of non-cash mutual settlements. In addition, the Central Bank, the banking sector, payment systems Visa, MasterCard and NSPK, as well as telecom operators are actively popularizing electronic means of payment, both through educational activities and marketing activities, and by legislatively introducing restrictions on working with cash.

4. Are there any difficulties with changing the consumer habits of users when introducing new technological solutions into payment instruments and, if so, which ones? What methods are used to influence the end user to change his habits?

Marat Abasaliev, PayOnline
If understanding the technology becomes easier - new solutions require intuitive interfaces - then problems with trust may still arise. UX has become one of the “pillars” on which payment innovations are based; sometimes it’s enough to press one button to make a purchase. But the security of data and its protection from attackers and others are called into question.

In order to convince the buyer to make payment in one way or another, it is necessary, firstly, to give him as much as possible full information about what protects him, and secondly, to enlist the support of partners - well-known brands. If a customer sees that their favorite world-famous store offers payment in a new way that many other customers have tried, their trust will likely increase. In addition, technology dictates its own conditions, for example, if you trust biometric data (fingerprints) when locking your smartphone, then you will most likely be ready to make a payment using the same method.

Igor Nazarov, Shopolog
The habit of using one or another payment instrument can only be developed through frequent positive experiences, both the user’s own and the user’s close circle of friends. Widespread distribution of the solution, confidence in a successful transaction, high-quality support - all this contributes to changing user preferences.

Another important factor is the channels and formats for conveying information about new technological solutions. Statistics show that young people aged 18–25 are the most actively trying new services and solutions. This factor must be taken into account when promoting a service.

Maria Mikhailova, National Payments Council
They arise, but do not carry any special marketing specificity. The peculiarity of payment services lies in a slightly different plane. Non-cash payment competes with cash payment not only at the level of consumer choice, but also at the “corporate” level. What benefits will the store receive from accepting new payment instruments for payment? What benefit will the company receive if accountable funds are transferred to cards rather than issued in cash? As soon as actual economic feasibility is found - and these can be a variety of motives, from strategic and image-based to reducing the cost of document management - solving the problem of consumer habits becomes a matter of competent marketing.

Dmitry Spiridonov, CloudPayments
This question should be asked to online stores. They make management decisions on any implementation of anything because this is their user audience. She trusts first of all the online store, and they know how to communicate with her.

Vyacheslav Fedorov, e-MoneyNews
Based on the Central Bank's indicators, it can be seen that consumers are increasingly using cards as a means of payment and transfer. This indicates a gradual change in the consumer’s consciousness and a decrease in mistrust in this payment instrument.

The growth rate of non-cash payments is being reduced by scammers who open fly-by-night companies (travel industry, Forex market players, builders of financial pyramids, etc.), collect payments through their websites and disappear. Cybercriminals also cause very irreparable damage to trust in electronic means of payment.

5. Do you think biometric authentication methods will be developed and, if so, in what time frame? What are the main obstacles to this?

Marat Abasaliev, PayOnline
Biometric authentication methods are already being developed. Several decades ago, such technologies were more of a fantasy than a way of life, but today we can easily get fingerprinted when applying for tourist visas, and schoolchildren pay for lunches using Ladoshka, a biometric service of Sberbank, launched last year.

The main obstacles to biometrics are defensive psychology and outdated technology. Firstly, users do not want their biometric data to be included in general databases. Even those who do not plan to become an international criminal and hide from intelligence services do not like the idea of ​​getting into a corporate database and losing the opportunity to maintain privacy, because changing fingerprints or capillary patterns is much more difficult than changing a SIM card or a servicing bank.

Outdated technology is also a challenge in the small and medium b2c segment. An excellent example of the massive market transition to new technologies is how American retail outlets have been switching to point-of-sale terminals that support chip cards for many years. So it’s too early to talk about a massive transition of users to biometrics. But we are confident that projects will appear one after another, with increasing frequency, and the biometric authentication technology itself will become commonplace within 5–7 years.

Sergey Belyaev, RFI Bank
They will receive it. Undoubtedly. For example, what is a bank card? This is a way of identifying a person. It is natural to expect that identification should be simplified. Why do you need crutches in the form of a card, passport or other identifier for the identification process? Perhaps soon it will be possible to pay for purchases by blinking or pressing electronic hand or something else. What's stopping this? Technology and habit.

Igor Nazarov, Shopolog
Payment using an Alibaba selfie) or a fingerprint (Samsung) and so on are still technologies that require serious improvements. Transaction security is the main condition for a payment instrument. For now, these technologies can be considered as some kind of prototypes, on the basis of which in the future, perhaps, the infrastructure for biometric authentication when making online payments will be built.

Maria Mikhailova, National Payments Council
This is an obvious trend in the development of the institution of identification and authentication. The main barriers are on the socio-cultural plane. This is an area in which under no circumstances should technology be allowed to develop faster than the “mental” or “social” readiness to use it. The implementation process must proceed carefully and gradually. It is important that methods for challenging identification results and methods for protecting identity are developed in parallel. But, apparently, the necessary methods will first be developed in areas not related to payments, perhaps, for example, in medicine.

Dmitry Spiridonov, CloudPayments
Yes. There is a very cool technology created by Sberbank. Payment by palm. By the end of 2017, it will be as widespread as PayPass.

Vyacheslav Fedorov, e-MoneyNews
Now different kinds biometric authentication (fingerprint, face, voice, palm capillary pattern recognition) are being implemented all over the world, and examples of these projects can be found. These are investment projects. And only market leaders who have enough funds to develop and implement these technologies can afford to implement these solutions during a crisis. As with cards, the market will have to get used to new ways of accessing finance or information.

6. How do you assess the influence of the state on the payment instruments market?

Marat Abasaliev, PayOnline
Firstly, this is the regulator of the Central Bank of Russia. Secondly, this is the influence of the Ministry of Telecom and Mass Communications - the requirement to place servers on the territory Russian Federation greatly influenced e-commerce in our country. Thirdly, we should not forget about the state initiative aimed at protecting Russian buyers from so-called “sanctions” from international payment systems, namely the introduction of the national payment card system “Mir”. As a result, we can see the global influence of the state on the market of payment instruments, although many nuances and small points are still in question and can be interpreted in two ways from the point of view of the law.

Igor Nazarov, Shopolog
Over the past year, Internet business and online payments have received close attention from the state: many initiatives and bills, some of which seriously worry industry representatives. For example, a bill on new rules that apply to cash registers (transition to online cash registers). At the same time, the authorities plan to seriously tighten penalties for trading without cash registers. I don't think this is just a coincidence.

During the first quarter of 2016, the Central Bank revoked licenses from 37 banks. Naturally, this fact forces entrepreneurs to play it safe by connecting two or more payment solutions, to choose partners more carefully, to study the market, since, as practice shows, even the most known solution there may be problems.

Maria Mikhailova, National Payments Council
The influence of the state on the level of non-cash payments and the payment services market is always great. The state is one of the main beneficiaries of the high share of non-cash payments.

If we are talking specifically about payment instruments, then the legally established division of payment instruments into nationally significant and all others does not seem to be the most effective tool for the development of the Russian payment industry.

Dmitry Spiridonov, CloudPayments
Not at all. I do not see any government participation in e-commerce in a positive way, as, for example, it is done in the USA. I also don’t see any participation that is harmful.

7. What positive and negative consequences could result from the introduction of cryptocurrency into widespread circulation? What are the prospects for the development of blockchain technologies?

Marat Abasaliev, PayOnline
As German Gref noted several years ago, “cryptocurrencies are a very interesting international experiment that breaks the paradigm of currency emission.” However, today Russia is one of the most unfavorable jurisdictions for cryptocurrency users in the world: in addition to a ban on their use, the possibility of introducing criminal liability for the use of cryptocurrencies is being discussed.

From the point of view of the state and society, the possible negative consequences of using cryptocurrencies are the risk of their use in the trade in drugs, weapons, counterfeit documents and other criminal activities, as well as for money laundering, terrorist financing and uncontrolled cross-border transfer of funds and their subsequent cashing. Strengths cryptocurrencies are obvious: complete decentralization, independence from the political and economic situation in the world, unprecedented payment security, system stability due to the growing distribution of power. It is also worth noting that bitcoins are just a convenient payment tool in the modern world. And everyone decides for themselves whether to use this tool for good or evil.

Blockchain is a very interesting and promising technology that could help solve a number of problems relevant to Russian fintech. But due to the ban on the release and use of cryptocurrencies in Russia, the creation of Russian products built using this technology is impossible. This limitation is due to the fact that today only the Bitcoin blockchain is truly secure, having both enormous computing power and a relatively uniform distribution of “miners” who are responsible for calculating complex keys.

Igor Nazarov, Shopolog
With the widespread adoption of blockchain technologies, the traditional financial services market may undergo major changes. Moreover, the question will be raised about the feasibility of the existence of banks and other services.

The Central Bank has unambiguously voiced its position regarding the blockchain: “We are for the technology with all our hands, but against money surrogates.” However, to implement the technology, we need a deep study of all the details and the creation legislative framework. At this point, there is still a lot of work to be done to make this vision a reality.

As for cryptocurrency, the market is adapting to the consumer, and the consumer is now looking with interest towards everything new. If the regulator makes a positive decision, the widespread popularization of cryptocurrency requires a serious push associated not only with its introduction as a payment method, but also with extensive information support.

Dmitry Spiridonov, CloudPayments
Cryptocurrency will have a pulse lifespan. It will definitely never be introduced in Russia. Blockchain technology is cool. They will definitely be used in some form.

Vyacheslav Fedorov, e-MoneyNews
Now they are trying not only to consider the use of blockchain technology, but also to actively implement it in many projects. Blockchain technology makes it possible to avoid discreet changes to information and documents, which will help many industries when working with information online.

Records in the blockchain are decentralized, stored on different computers and verified by network participants, and not by a regulatory authority.

Vitaly Tsigulev, Digital Finance
Blockchain, Bitcoin and smart contracts are certainly one of the most promising areas in modern payment technologies. It would be more correct for Russian legislators to regulate the circulation of cryptocurrencies instead of a ban, the implementation of which is impossible to control. Moreover, cryptocurrencies and blockchain are very interconnected, and often any blockchain project has its own internal currency for settlements. And it is not yet clear how to deal with the position of the Central Bank in this situation, according to which blockchain is good, and cryptocurrencies (money surrogates) are bad.

8. Are you aware of any upcoming mergers/acquisitions of players in this market? Are radical changes in the current market conditions possible? What could be the external reasons for this?

Marat Abasaliev, PayOnline
It is unlikely that we will see radical changes in the next couple of years. Competition from banks is too strong, there are several really large players in the market, and there are many small ones that have appeared due to low entry thresholds. There is a tendency towards dumping - only leaders can afford to do it, so perhaps the market will thin out - small businesses are unlikely to be able to maintain low prices for a long time during a crisis. Of course, consolidation is needed. Most likely, in the struggle for market share with the aim of synergy, it will take place among large players, and this is justified.

Igor Nazarov, Shopolog
There is a high probability that there will be mergers and acquisitions. The market is aggressive and forces development, sometimes faster than the company can afford. If this happens, then a choice arises - go into niche solutions or continue development, but perhaps in the team of a former competitor.

The situation is also fueled by competition between payment systems and acquiring banks, which are now actively developing their client divisions and are beginning to connect large companies directly.

Dmitry Spiridonov, CloudPayments
There will always be changes. The most dynamic ones, working for high-quality service, will set the trend and not let the “old guys” of the market relax.

Vyacheslav Fedorov, e-MoneyNews
Some mergers/acquisitions are now taking place as a result of banks strengthening their positions in new niches. In some cases, the situation developed in such a way that payment system was left without an institutional foundation (the bank's license was revoked / reorganization) and was forced to look for a strong partner and quickly carry out the transaction so as not to lose market share.

9. How are the changes taking place in the world market reflected in the Russian market?

Marat Abasaliev, PayOnline
From a technology point of view, Russian market keeps up with, and often outpaces, the developed markets of Europe and North America. So we can confidently say that Runet responds to the technological challenges of global fintech quickly and with dignity.

But there are issues that business does not have the opportunity to influence - these are government regulation and financial conditions international payment systems. We have already talked about the regulation of cryptocurrencies, so we will not dwell on this issue.

An important difference between the Russian market is the financial policy of international payment systems. Unlike Europe, where the size of the interchange fee is gradually decreasing, in Russia it “stuck” at the same level. Today we do not yet have data on the conditions that the Russian payment system “Mir” will offer to players in the Russian e-commerce market, but we assume that the pricing logic itself will differ from the logic of VISA and MasterCard, and the cost for business is unlikely to be significantly lower.

Igor Nazarov, Shopolog
The devaluation of the ruble and the rise in prices of most goods in 2015 gave a new round of development to cross-border trade. Large Chinese companies are gaining a foothold in the Russian market, thereby displacing intermediaries. Regular massive discount promotions provide them with high consumer demand and widespread media coverage.

Maria Mikhailova, National Payments Council
One of the global trends is finding the right balance between the global nature of payments and the need to maintain local control over them. This trend is also relevant for the Russian market. The point is to find the right balance. It is important not to reflect the changes taking place in the global market, but to be part of this market and a source of change.

Dmitry Spiridonov, CloudPayments
We have an amazing country, and this does not allow us to talk 100% about reflecting and applying something new from the world market. A lot of things don't stick. A simple example - 3D-secure in America is not used in the same way as it is done in 99% of cases in Russia.

Vyacheslav Fedorov, e-MoneyNews
The Internet and the current situation with the ruble exchange rate allow us to enter global markets and sell goods or provide services while being in the Russian Federation. Now is the time to take advantage of the opportunity that has arisen.

10. Is it possible, in your opinion, to significantly reduce the share of cash use through the transition to non-cash payments? What are the main limiting factors for this?

Marat Abasaliev, PayOnline
Now the crisis is still playing against non-cash payments, so we cannot talk about a truly significant reduction in the share of cash use. Yes, there is certainly a growth in online payments, but in the next couple of years it will be rather inorganic due to an increase in cardholders and an increase in Internet penetration in the country. In addition, the implementation of the Mir payment system requires technical improvements to payment systems, which will take time. Most likely, the functionality of Mir in the first year will be limited to cash withdrawals, and this will also become a limiting factor for the development of online payments.

Sergey Belyaev, RFI Bank
Cash will someday be almost completely gone or degenerate, as is the case with paper books. With the rapid development of the Internet and technology, they predicted the death of the book, but death did not happen. Books have become more expensive, more beautiful, more prestigious. Paper and metal money will also be reborn.

Igor Nazarov, Shopolog
The share of non-cash payments on the Internet is increasing every year. This process is slow, but the growth is stable. Moreover, the growth occurs not only in bank cards, but also in the use of mobile devices for payment and payment systems. There is a high probability that in large cities, cashless payments will dominate over cash in a few years.

However, there are a number of factors that slow down growth: low level financial literacy, fear of losing control over expenses, fear of fraud. Typically, these factors are most noticeable in small and medium-sized cities.

Maria Mikhailova, National Payments Council
Non-cash payment should have obvious advantages over cash. Like a mobile phone before a landline. Due to its nature, non-cash payment is a hostage to indirect regulation, those barriers that arise at the interfaces of regulation, both in various industries and various spheres of economic life. If the level of non-cash payments is not a direct priority of government policy, then these barriers can only be removed in one way: industry analysis, the formation of an industrial position on each key limiting factor, and making changes.

Felix Muchnik, Softkey
A decrease in consumer activity leads to a search for more economical and budget-friendly places to shop. And such places quite rightly become online stores, where digital content is that very inexpensive but necessary product for the consumer. What we see: there is a product, there is money to purchase it, but there is no education in the mass consumption of legal digital content and the use of non-cash payment methods when purchasing goods and services in online stores. Yes, a lot of work has already been done in the area of ​​introducing customers to plastic cards, but there is still a very wide group of those who choose cash. And banks and small businesses should engage in this very education, creating special conditions for the transition to non-cash payments and making payments as convenient and invisible to the user as possible, thereby developing the habit of this particular payment method.

A good example of creating such conditions is the Yandex.Taxi application. In it we simply link our card via mobile device and we use taxi services, and we do it on more favorable terms than those who choose cash. Thanks to such a system, we can talk about an increase in the number of payments using plastic. A person begins to understand how convenient such a system is, and ultimately uses it automatically. In addition, the application provides an excellent service - the ability to pay tips for the driver also using a non-cash payment. This is an amazingly simple and incredibly convenient thing that, in my opinion, should be implemented in any service sector. And first of all - to the cash register receipts of restaurants. Why has this practice become the norm all over the world for a long time, but we are still promoting cash? After all, non-cash payments are easier to control, and they easily move into the taxable zone.

Another excellent and relatively recent example is that of the Platypus company. As soon as banks were allowed to hold money on cards, Utkonos equipped its couriers with devices - terminals for instant payment on the spot using cards. And this immediately significantly reduced all sorts of inconveniences that could arise for both the buyer and the seller: a variable payment amount when paying for goods, lack of cash for payment, lack of change from the courier, no temptation to “under-deliver” the received cash, etc. The more opportunities there are to pay with plastic or any other non-cash payment method, the faster the refusal from cash will be carried out. And this growth should be ensured, as mentioned above, by banks and small enterprises. Yes, portal public services accustoms the residents of our country to non-cash payments, the percentage is undoubtedly growing, but the process would develop much more dynamically if, along with this, provision from banks and enterprises also developed.
Let's not go far and remember the example of purchasing air tickets, which became the first serious purchases using a non-cash payment method. People, having tried it once, began to actively use this method in the future. As soon as Russian Railways introduced the possibility of purchasing tickets using non-cash payments, people actively began purchasing tickets using this method. In my opinion, Aeroexpress generally did a wonderful thing: it offered customers to purchase tickets using non-cash payments on more favorable terms, making the cost of tickets lower than at the station ticket office.

Thus, we can state the fact that the state and consumers are least to blame for the lack of rapid growth in non-cash payments and plastic payments. And most of all, this should be facilitated by the enterprises themselves, introducing additional conditions for stimulation, and banks, which should encourage non-cash payments at enterprises.

Dmitry Spiridonov, CloudPayments
There are no limiting factors. There is a problem in the mentality of our population. The cache will die. If Central Russia pays easily on the Internet, then the population to the right of the Ural Mountains is just learning not to withdraw cash from an ATM, but to buy something in a store using their bank card.

(EPS) is a system of payments on the Internet between individuals or legal entities when performing various transactions: purchases in an online store, money transfers between users, payment for services, etc. Such transactions are carried out non-cash and are a replacement for the usual cash.

Anyone can register in the electronic payment system. Typically, the procedure involves filling out a registration form and is free of charge. After this, an account is provided in fiat currencies USD, RUB, EUR, UAH, etc. or cryptocurrency. If necessary, you need to go through account verification. This increases the limits and number of ways to deposit and withdraw money.

• Prostocash, 60cek, Xchange, Magneticexchange, Kassa and others.

There are many different electronic currencies and wallets. IN Lately are popular and . A complete list of electronic payment systems is presented at the end of the article.

How to choose an electronic payment system

To choose a suitable electronic payment system, you need to set the following conditions for yourself:

• Does EPS provide services in the region? Usually, on home page The payment system has a list of countries served or you can read about it in the user agreement.
• Where is it registered and who carries out financial supervision? Many financial companies open offshore to reduce various financial costs and operating conditions (Panama, Belize and others). There are electronic payment systems operating under the control of financial regulators with strict conditions.
• The methods for depositing and withdrawing funds should be those that you can use: bank cards or transfers, other EPS, terminals, electronic exchangers, cash withdrawals through debit cards from payment systems, etc.
• Transaction commissions.
• Account currencies.
• Does it issue debit and virtual cards?
• Reviews about the electronic payment system on the Internet.
• Service functionality. For business - connecting payment acceptance through the website, the possibility of mass payments to clients.
• Is verification required and what are the transaction limits?

This is the main thing you need to pay attention to when choosing an electronic payment system on the Internet.

Rules for working with electronic payment systems

To start using the electronic payment system, the first thing you need to do is register on the website and confirm your email. Before doing this, we recommend that you familiarize yourself with some rules - they will save money in the future:

1. Safe email. It is better to register a new email and not use it for other purposes. We recommend creating a mailbox using Google's service Gmail. Turn on two-factor authentication in the security settings and your email will be reliably protected. We do not recommend working with mailboxes on the mail.ru website or similar ones.
2. The password must be strong and complex: include service characters, upper and lowercase characters, and numbers. It is convenient to use password generators. They can indicate required parameters and password length. It is better to store them in special programs or write it to a flash drive intended only for these purposes. I recommend KeePass program is both a password generator and a place to store them.
3. Be sure to update antivirus programs on your computer and scan it for viruses. Antiviruses are not expensive, but they will bring great benefits.
4. Do not tell anyone your login and password. On behalf of the payment company, scammers can send emails and ask you to follow a suspicious link or send a username and password, supposedly to clarify personal data. If in doubt, immediately contact the electronic payment system support service.
5. Pay attention to the writing of the site address in the browser line. This is necessary in order not to end up on a phishing site of the payment system, which was created to deceive and collect information about your account. Sometimes the difference in spelling is just one character. We recommend that you do not click on advertising links; very often search engines miss such phishing sites, and many people fall for the trick of scammers. Add the official website of the payment system to your bookmarks.
6. Set additional security settings for your email. You can enable two-factor authentication 2FA in Yandex Mail or Gmail. Be sure to link your email to your mobile phone - this will help restore access to your email inbox.
7. In security settings personal account electronic payment system, turn on notifications about financial transactions that will be sent to your email box or via SMS to your mobile phone. If someone tries to withdraw money and log into your account, the system will immediately notify you about this. See what other methods you can connect to protect against hacking: login using a certificate, password card, Google app Authenticator, receiving codes via SMS, etc.
8. When making an exchange, do not use the first exchanger you come across. We recommend using proven ones for these purposes: Prostocash, 60cek, Xchange, X-pay, Baksman.
9. When transferring money to another person, set protection by code or time, if possible.

List of electronic payment systems

List of popular electronic payment systems in 2020 with description:

Advcash

Electronic payment systems serve for settlements between organizations and users when buying/selling goods and services on the Internet. For the functioning of such systems it is necessary willingness of sellers to accept electronic money as payment.

Traditional systems allow you to make payments via cash, bank transfer, cash on delivery or postal transfer. Electronic money, which is the main tool for promising e-commerce, has many advantages over traditional payment methods.
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EPS are “central banks” unto themselves, and also simultaneously combine the functions of a technical provider, supervisory and legislative body, so the bureaucratic component when working with them is reduced to a minimum.

In addition, electronic money is distinguished by minimum emission costs, since there is no need to mint coins or print banknotes, and unlimited service life, because they do not wear out.

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

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

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

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

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

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

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

TOP best payment systems in Russia

Electronic payment systems first appeared in Russia in 1998. That's when the PayCash company started operating. A year later, the popular one appeared, which is still in the TOP in the digital cash market.

The activities of EPS in the Russian Federation are regulated at the state level through the law “ About the national payment system” .

Total number of employees in the country more than 20 payment systems. Which EPS is the best - there is no clear answer. It all depends depending on the area of ​​activity of each client And his priority needs when working with digital cash.

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

We have identified the most significant and promising modern payment systems.

1.

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

• replenish your wallet in more than 150 ways;
• mass payments via API to many wallets without restrictions;
• transfers in rub, usd, eur and other currencies without account verification;
• anonymity of transactions;
• various mandatory and optional account security features;
• user wallets are never blocked;
• MasterCard Platinum for purchasing and withdrawing cash worldwide without commission.

2.

When created: 2014;
Where is it used?: operates in more than 200 countries;
Peculiarities :

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

3.

When created: 2007;
Where is it used?: in Russia and CIS countries;
Peculiarities :

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

4.

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

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

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

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

6. QIWI

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

• simplified registration: to create a wallet, just indicate the number mobile phone;
• used not only for electronic payments, but also for non-cash banking transactions using Visa cards;
• the ability to replenish your account and withdraw funds with several different ways;
• depositing funds and paying for many services is carried out without commission;
• a large list of payments for services and purchases on the Internet;
• low commissions for transfers and the ability to make payments via SMS;
• You can order a free virtual or plastic card linked to the funds in your wallet, which is easier to manage.

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

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

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

International payment systems

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

According to expert estimates, in Russia Visa is leading by a slight margin: it occupies about 50% of the market, Mastercard – 40%. The remaining 10% are divided among themselves as foreigners ( JCB, Maestro, American Express, China Union Pay), and other domestic EPS ( “Golden Crown”, MIR, Pro100) Services.

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

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

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

Not all international EPS that are available to users from foreign countries, are used in Russia. The reasons may include difficulties with depositing and withdrawing funds, as well as territorial restrictions in application.

Wallet	Address	Commission
	ePayments - 0%. Bank card/ Yandex.Money/ WebMoney/ QIWI - 2%
		Advcash - 0%. Visa / Mastercard / World cards - 2.95%. Yandex.Money/QIWI - 2.95%
Perfect Money		Bitcoin - 0%. Perfect Money - 0.5 - 1.99%. Bank transfer - from 0.5%
	ePayments - 0%. Bank card - 2.9%. Yandex.Money/ WebMoney/ QIWI - 2%
		Bank card - 4.49%

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

National payment systems

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

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

Almost every country in the world today has its own electronic money, which is integrated with popular international services for greater efficiency. At their core, national systems do not offer the user anything new and do not pursue the goal of capturing the world market. They allow the state to conduct an independent policy and be capable work offline, if suddenly the country’s national banks are disconnected from international systems.

Name	Link	A country
WORLD	https://mironline.ru/	Russia
BELKART	http://belkart.by/	Belarus
SIMPLEIP	http://prostir.gov.ua/	Ukraine
Klarna	https://www.klarna.com/	Sweden
Carte Bleue	http://www.cartes-bancaires.com/	France
iDeal	https://www.ideal.nl/	Holland
	https://intl.alipay.com/	China
JCB	https://www.jcb.com/	Japan
RuPay	https://www.rupay.co.in/	India
DineroMail	https://www.dineromail.com/	Latin America

European payment systems

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

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

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

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

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

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

Electronic payment systems of China

The national payment system created by the Alibaba Group empire ranks 60% Chinese market and dominates everyone possible ways payment.

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

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

UnionPay, the only government system with the support of the Central Bank of China.

What are the types of EPS?

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

Credit

The first type involves managing electronic money using plastic cards. Bank card payment systems are distinguished by additional protection, namely digital signature and message encryption. First, the parties to the transaction enter into a contract, after which payment is made.

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

Debit

The main international EPS are debit. They allow you to carry out monetary transactions strictly after replenishing your account with digital money. Some debit payment systems accept electronic checks. Among the most popular are NetCash, NetChex, NetCheque and several others.

How payment systems work

The operating principle of all payment systems is the same.

Who is involved in the transaction?

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

How does the payment system work?

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

What is the benefit?

Using a payment system for remote money transfers beneficial for all parties to the transaction:

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

What is electronic money

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

Features of electronic money:

• Emission occurs V in electronic format , that is, there are no costs for the production of paper bills or coins;
• They are also stored on electronic media;
• An organization that issues electronic money guarantees their security with regular money;
• They confess as a means of payment not only within the system, but also in settlements with external counterparties.

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

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

Advantages and disadvantages

Advantages	Flaws
Minimum emission costs;	Electronic money is difficult to trace → high probability of arbitrariness and unfair use;
Are not subject to wear and do not have an expiration date;	They work only when there is an Internet connection;
Can be used anywhere and anytime, without reference to the location of the parties to the transaction;	Limited in use because not all organizations accept electronic payments;
High speed of payments and transfers;	It is difficult to recover if you lose your password due to high security requirements;
Confidentiality of monetary transactions;	Personal data provided to the system can be used by other services (for example, tax service).
Transparent transactions and access to the entire history of electronic payments;
There is no need for change;
Safety and security of payment instruments;
There is no need for recalculation and transportation of banknotes;
Stored on electronic media and do not require additional space;

Storage and use of electronic money

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

Online wallet or e-wallet is software designed for storing electronic funds and using them within one payment system.

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

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

You can strengthen your security measures by using one-time passwords, if such an option is provided by the selected payment system, and also store them on a flash drive or in a notebook.

Any Internet payment system is a special technology that allows you to make various payments on the Internet (pay for services of shops and banks, receive salaries, top up a mobile account, withdraw money to a bank card, etc.). Today, online currency is no less significant than paper money. There are about 10 popular payment systems on the Internet, not counting their lesser-known competitors. Before using the services of an electronic system, carefully study its features.

1. . It is one of the most famous electronic systems on the Internet and the main tools for exchanging money and conducting transactions with online currency in the CIS. To use WebMoney Transfer on a computer or mobile phone, you must install one of the keeper services offered by the system, entering your real data. For greater confidence, it is advisable to obtain a personal passport by sending your passport data to the address specified in WebMoney Transfer. At your service is the widest user interface, many functions, capabilities and operations performed instantly. Particular attention should be paid to the exchanger and the interest charged. It is much more profitable to exchange currencies through similar services on the Internet.

2. . The second most popular payment system in the CIS allows you to safely exchange and transfer online currency to other users, saving, as in the case of WebMoney Transfer, all transfer data. By opening Yandex.Wallet or Internet.Wallet, you can use the interface on the Web or on a PC. There are no transfers between your two wallets.

3. International payment system. One of the most famous electronic services in the world, which has gathered more than 100 million users under its wing, celebrates its birthday in the same year as WebMoney Transfer - 1998. The owner of PayPal is the Californian company "Palo Alto". In order for your online currency to work, you must register a “Personal Account” or “Personal Premier Account”. Larger clients open a “Business Account”. You can use PayPal using your PC, Internet, or mobile phone. Russians and Ukrainians can use this payment system only to pay for purchases. Online currency cannot be withdrawn or accepted from other users.

4. (RUpay). The unified payment platform operates in real time and allows you to carry out any transactions with electronic money quickly and safely. Unlike WebMoney Transfer, you don’t have to worry about forgetting your details in your notepad at home. The main purpose of RUpay is payment of payments and purchases on the Internet, withdrawal of money to the accounts of Ukrainian or Russian banks. RBK Money itself Banking services does not provide.

5. [email protected]. The system was limited to only a web interface. Payments are made from any PC, and the identifier is an email address.

6. Rapida. Initially, she collaborated only with financial and credit institutions. Rapida's processing center is connected to the enterprise's billing system. Essentially, Rapida is a 24-hour service for accepting payments for telephones, utilities, etc. The system allows you to set an interval for monthly payments.

7. E-Gold appeared 2 years earlier than the payment systems WebMoney Transfer and PayPal. The security of more than 1,000,000 E-Gold accounts is guaranteed by Swiss and US banks. This service is a universal tool that allows you to exchange and transfer currencies in any country in the world. The most indispensable payment system uses weight parts of palladium, silver, gold and platinum to exchange monetary units. E-Gold is an ideal option for serious businessmen who have dedicated themselves to online commerce.

8. (Skrill). This young payment system (2003) operates in accordance with UK legislation. The peculiarity of the system is that its users can easily, safely and cheaply exchange, transfer money and make payments on the Internet in real time. Operations are carried out via e-mail. The national currency with which you intend to work should be selected during registration. Moneybookers only shows your real details. Installation software not required. So, send money from your bank card, receive online currency by e-mail and make any purchases on the Internet.

9. . Another young electronic payment system (2005), registered in Quebec (Canada). Alertpay's democratic nature allows it to become more and more popular, gaining the trust of users. Registration in the system is free for all citizens of the world. Only residents of Angola, Nigeria, Sierra Leone and Liberia cannot use the services. Small commissions are charged for all transactions with online currency.

10. . The payment system was able to successfully integrate many types of electronic payments and transactions into one seamless, logical system, which is easy and convenient to work with. Unlike the listed services, Z-PAYMENT does not compete with others electronic systems, but cooperates with them. By registering for free, you will be able to work with any payment systems and banks, performing various operations using both non-cash and cash payments. Guaranteed security, the absence of special software for users, the ability to enter into contracts, round-the-clock support - this is Z-PAYMENT, which is predicted to be a huge success.

11. Google Checkout- payment system from Google. Linking to the client's bank card is required. For now, only residents of the UK and US can use the service. In fact, Google Checkout does not process payments, but guarantees their security. The operations themselves are carried out using bank cards of system users.

12. . Another convenient and safe service instant electronic payments online. It is multifunctional: the system allows not only to carry out mutual settlements between registered users and make various types of electronic payments, but also has its own deposit program, which makes it possible to safely store electronic currency in accounts and receive monthly interest payments on the balance of funds. The advantages of Perfect Money include a high level of security and 24-hour technical support.

13. . The main purpose of this Russian payment service, operating today in 20 countries around the world, is instant payment for various types of services, from utility bills to bank loans. The key difference between QIWI and other similar financial services is that you can transfer funds not only from a personal account on the Internet or through a mobile application, but also through special self-service payment terminals, which today can be found in most settlements Russia, Ukraine, Belarus and other countries.

14. . An electronic payment system originally from Canada, operating on the global market for electronic financial transactions since 2005. Simple and free registration will allow you to quickly and without unnecessary problems open an account in the system. Account verification for residents of some countries is quite problematic, but the account can be successfully used without verification, since it is voluntary. AlertPay uses the e-mail specified during registration as an identifier (wallet number). At the same time, it is possible to transfer funds to users who do not yet have an account with AlertPay.

15. . The first Belarusian non-bank system of instant electronic micropayments, which allows you to quickly and without commissions pay for utilities, mobile communications, Internet and television, as well as various other types of services using a plastic card linked to a digital wallet. In addition, the system makes it possible to carry out various banking operations, but transfers of funds of a commercial nature are not allowed here (transfer of money between individuals- by owners of EasyPay wallets it is carried out without problems with a commission of 2%). It has been operating on the market since 2004, and in 2010 EasyPay entered the Ukrainian online payment market.

16. . Ukrainian open payment service designed for transferring money, as well as making various kinds of micropayments and online payment for a wide range of services. The founder and owner of LiqPay is the Ukrainian PrivatBank, which allows you to withdraw money from your account through the PrivatBank ATM network in Ukraine and Russia. A high level of security for transactions is guaranteed by the use of a dynamic one-time password service (sent via SMS to the phone number linked to a personal account) and 3D Secure code technology.

17. . Unified wallet W1 - another convenient and reliable one electronic service, allowing registered users to make transfers between wallets without additional commission, as well as easily and quickly pay for various types of services. Access to a single wallet is carried out through any means of digital communication with an Internet connection (computers, mobile phones, PDAs). It has a wide affiliate network, which makes it possible to make profitable, commission-free payments for a wide range of goods and services.

18. . A multi-currency payment system, which can be classified as a service with electronic currencies based on the gold equivalent (the closest analogue of Pecunix is ​​the well-known e-gold). Pecunix EPS, registered in Panama, has been operating in the electronic currency market for 10 years. The advantages of this payment system based on gold assets include security and reliability, but today Pecunix is ​​not very popular.

19. . An electronic payment system, popular in Russia and existing since 2004. Registration in the service is open and free; the account number here is the address Email. At the moment, transactions in MoneyMail can be carried out in three types of currencies - Russian ruble, US dollar, and euro. All operations in the system are carried out through the website interface, additional applications there is no need to install it. Among the main services is account replenishment mobile communications, making monthly payments, repaying bank loans, transferring funds by e-mail and many others.

20. . The purpose of this service is to pay for services, make money transfers and various payments via the Internet using Ukash vouchers (no bank account or card is required). You can buy a Ukash voucher for cash at specialized sales points or online using a variety of Internet services (Webmoney, W1, LiqPay, QIWI, RBK Money, etc.) One of the most popular services available to owners of Ukash vouchers is international online translations.

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 (, 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 every special 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 makes 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 also euros (WME), hryvnia (WMU), Belorussian rubles(WMB), etc. 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, very convenient way withdrawal of 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 in an acceptable way withdrawal of 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 now you can withdraw money from your 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 with bank account(prepaid) and there should be no 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.

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

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 great 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. There are a whole bunch of them online for this purpose. special services, which can be divided into two parts.