A payment system is a system for exchanging transactions and settlements between financial partners: banks, institutions, shops, etc. In the broad sense of the word, these are intermediaries between the buyer and the seller.
The functions of the payment system are the stable turnover of funds using bank cards. When paying with a plastic card, a special terminal sends a request to transfer the buyer's funds to his bank and from there transfers the necessary amount to the seller's account. All calculations occur in real time and take no more than 10 seconds. There are many payment systems that control the circulation of money within the state, locally within a credit institution and between countries. There are also electronic payment systems for online payments.
International payment systems
International payment systems provide access to financial transactions in all countries, which allows you to pay for purchases and services without reference to territory. This is the most secure type of payment systems. To service international systems, the most modern computer technologies are involved, which are constantly updated and help to resist fraudulent attacks and ensure the security of personal data at a high level.
The most popular in our country are Visa or MasterCard. The world's major systems are also American Express, Diners Club, and JCB.
Visa
The Visa payment system appeared in America in the 60s of the last century. For this reason, one of the features of the Visa payment system is that it is focused on transactions in dollar currency. There are four types of cards - debit cards, credit cards, installment cards and prepaid cards, which differ from each other in the method of accruing funds. This is one of the most popular types of plastic cards in the world. It is possible to make purchases, withdraw money and replenish an account using a special code - a pin-code, which confirms the identity of the owner. Also, cards can be personalized and contain special numeric codes for secure online purchases.
master card
The MasterCard system is also an American company, but transactions with its help are carried out with the participation of the base currency in the euro. For an ordinary buyer, this does not make much difference, but if you use a card for purchases abroad, then you should not forget that the payment system will recalculate all amounts first into its base currency, and then into the purchase currency, which may affect the amount of commission . Purchases with MasterCard cards up to a certain monetary limit can be made without using a pin code. This makes it more vulnerable to fraudulent scams. MasterCard cards can also be named and anonymous, embossed and smooth.
Payment systems cooperate both with large banking giants and with non-banking credit organizations such as the "Payment Center" and the Corn card.
National payment system MIR
The national payment system was created to unite all local intrastate networks with the participation of the state regulator - the Central Bank. It supports the security of using payment systems within the country and offers to conduct financial transactions independently of international systems. Security lies in the fact that all information about the financial resources of customers and companies will be stored within the state.
The MIR national payment system was launched at the end of 2015. Today, the national payment system is used by many large banks. Cards can be debit, in addition, you can issue credit cards. For the plastic of the MIR system, the overdraft service and auto payments are also available. For additional verification during cash flow, the cards are equipped with chips and hologram images.
The use of a national payment system may weaken the peg of the national currency to the dollar and the euro. Also, it will save domestic income from financial payments made in Russia. But it will not be possible to pay with a card abroad yet - the MIR payment system functions only within the country.
Intrabank payment systems
Vuntribank payment systems are used to speed up and order the circulation of financial resources within the bank, improve the quality of customer service. The stable operation of the banking system allows you to speed up the workflow and reduce financial losses. Banking organizations receive the main income from the turnover of investments and loans. Up-to-date information can increase the profitability of the enterprise and reduce the burden on employees. Usually, private payment systems control the activities within the company on their own and do not involve the state regulator.
Electronic payment systems
Payment systems created for conducting money transactions within the network differ from conventional systems in special technologies. There are both payment systems linked to real cards of international payment systems, and systems using virtual cards. The principle of operation of online systems is similar to conventional ones - each registered user receives an account - an electronic wallet that can be used to store finances or pay for purchases. You can use an electronic wallet both for payments on the network and for receiving money from other users - many MFIs now issue loans without bank cards, but directly to the client’s electronic wallet. Without electronic payment systems, using loans by SMS or any other online loans would be impossible.
Due to the fact that the process of registration and use is quite simple, it is difficult to consider electronic payment systems as safe products - knowing the account number and password, any user can take possession of other people's financial resources and personal data. The most popular domestic online systems are WebMoney, Yandex.Money and Qiwi. Not so long ago there was a novelty from the social network vkontakte. It has become easier to pay for purchases on the site and mobile services through VK Pay, which is predicted to be popular among young people. And in the world, the PayPal system is most common, but for the CIS countries its functions are limited.
Mobile technologies and payment systems make it possible to free people from part of the paperwork and facilitate the circulation and accounting of financial resources. The plastic card has become an essential attribute of modern life and the use of paper money is becoming less and less popular. The choice of payment system should be based on the needs of the user, otherwise you will spend more money on commissions and not be able to use all the features of the product.
In recent years, electronic payment systems have taken a firm place in the financial world, which is associated with the active evolution of money as a means of payment. In developed countries, this process has been rapidly developing over the past forty years, and in Russia - since the early 90s, which resulted in electronic money.
So, what is an electronic payment system? Briefly, electronic payment systems (EPS) can be described as a technology of direct mutual settlements between the participants in the transaction without additional conditions (interbank transfers, indication of personal data, etc.) via the Internet. Combined with speed, the use of EPS has contributed to the rapid development of e-commerce. Today EPS is a convenient payment method for mobile operators, Internet providers, large stores and many others. Let's try to understand how this happens.
Electronic money (ED) has gone through three stages of development. The first stage is magnetic credit and debit cards with extensive use of EPS. The second stage is the introduction of smart cards (with a stored amount). These EDs did not replace cash for their owners, but only made the management of bank accounts more efficient. So the main meaning of ED acquired a new meaning: a combination of the advantages of cash and electronic circulation of the money supply. The third stage in the development of electronic money - "network money" - has already made it possible to make "on-line" payments.
Today, several main technologies of payment systems are used as EPS:
- use of credit schemes;
- use of debit schemes
- use of digital money.
The first of them - the most popular in the world - work with ordinary credit (plastic) cards (Visa, MasterCard, etc.). The second technology is based on the use of digital equivalents of checks and cash (NetCash, NetChex, NetBill, etc.). The third (so-called payment gateways) is a category of electronic payment systems that translate the benefits of real cash into the Internet world (Citybank, DigiCash, PayCash, WebMoney, etc.). Let us consider in more detail the features of each type of EPS.
It has long been a tradition to calculate plastic card with online purchases. Credit card payment, accepted by a huge number of online stores around the world, is very popular. By the way, the presence of a psychological factor - the imperceptibility of ED - plays an important role. As a result, when paying with a card, its owner usually easily spends much more than when paying in cash. Of course, this circumstance plays into the hands of online stores. There are not many of them in Russia yet, so this service is not very developed due to a number of subjective and objective circumstances.
However, not only online stores welcome the use of credit cards. Offline sellers also accept them with pleasure, which is typical of both the world market and the Russian one, although credit cards are only gaining popularity in our country. At the same time, debit (salary) “plastics” are not very favored by both online and offline stores. This is explained by studies commissioned by MasterCard by IMCA, which showed that Russians spend on average 30% more money from credit cards than from debit cards. IMCA also found out that in Russia the average monthly cost for one credit card is about 8.5 thousand rubles, while for a debit card it is 2 thousand less. For those who use a plastic card at least 4 times a month, the same figures reach 13.5 and 9.15 thousand rubles. for each card, respectively.
However, sellers are not the only party interested in this system. Banks deliberately stimulate customer preference for credit plastic by simply setting the percentage for withdrawing money from credit cards higher than from debit cards. And it seems to the owner of a credit card to pay with it more economically than in cash, which leads to the mentioned psychological factor.
It is clear that all this is doubly convenient in an online store: money from a credit card is not only “easy” to spend, you do not need to pick up the card itself. The combination of the benefits of an online store and the convenience of the client is obvious: I went to the desired site, chose the product and the option "Pay with a plastic card", entered the card number and - get your purchase. I didn’t wander anywhere, I didn’t seem to spend money, but the thing you needed was already brought. The beauty! But, as usual - with spikes ... These spikes, that is, shortcomings, can hurt the user with the loss of money, since there is always a risk of losing credit card data. The situation is further complicated by the fact that with an electronic payment by card, it is practically impossible to 100% identify the payer, assuring that he is paying from his card. An online store can also get a shot in the form of a chargeback (fine, refund). The reputation of the online store, the payment system and the acquiring bank directly depends on their number, up to the possibility of further work. Chargeback is issued in case of receiving a refusal to make any purchase. Due to the lack of a signed receipt for an Internet purchase, this allows attackers (including true cardholders who colluded with someone) to make notes that "I (the real cardholder) did not make this purchase." According to analysts, the global damage from credit card fraud is measured in billions of dollars a year. So, according to the FTC, in the United States in 2003. amounted to about $ 50 billion. In Russia, the same figure almost reached $ 0.5 million (data from the GUBEP), and this is only taking into account the formation of the domestic credit plastic market at that time. The FTC notes that in the United States a victim of fraud in 2003. became every eighth owner of credit cards. Such sad statistics, of course, cannot but affect the trust of users in the use of electronic payments. Together with customers, all other participants in electronic payments, especially online stores, suffer from fraudsters. Factors contributing to the preservation of the number of consumers of EPS services, in addition to greater convenience and lower costs, are the security and confidentiality of settlements. So what is the electronic payment flow scheme and the main participants involved in it? Acceptance (processing) of plastic cards as a means of payment for Internet goods/services - Internet acquiring - includes:
- buyer
- online store
- issuing bank (card issuer)
- acquiring bank (conducting the primary processing of the transaction and providing the full range of operations with cards of partner banks)payment server (EPS, which ensures the security of the payment, etc.)
In some cases, there is no fifth participant, but due to the high degree of risk, such schemes are now practically not used. Visually, the scheme for implementing an electronic payment looks like this: Essentially, the card EPS procedure ensures the security of card data transmission to the processing center of the acquiring bank. In fact, there are much more functions implemented, with many services, but guarantees are the main purpose of systems. It turns out that card EPS play the role of an agent in managing operations with the card account of the cardholder. Representatives of this class of systems in Russia Cyberplat, Assist, Chronopay, etc. operate only with bank records, but not with the money itself. Against the backdrop of the traditional nature of Internet payments abroad, where plastic cards are the main means of payment, these systems have not yet become widespread in our country. In our country, the types of electronic payment systems operating with digital cash.
The use of digital cash provides a manageable level of owner anonymity, which prevents computer crime, and electronic cash flows can be tracked in real time, which is practically impossible when using "live" money. These advantages, against the backdrop of large-scale fraud, led to the emergence of this type of EPS, which work not with cards, but with their own currency equivalent to real money at a stopped rate. By registering in the system, the client receives a personal Internet wallet. As it is replenished, the funds in it can be used to pay for goods and services in the online stores of the system. You can top up your account, depending on the system, with a special prepaid card, bank or postal transfer, cash at special kiosks or exchange offices, and even ATMs of EPS partner banks. There are also a huge number of electronic exchange offices. As for the withdrawal of money from an electronic wallet, the maximum benefit for the system prevails here. For the client, this is an incomprehensible and inconvenient process, fraught with high interest rates, a meager number of ways to withdraw money, etc. What can not be said about using e-money from a wallet - there are plenty of options.
Advantages, however, can have a downside. The possibility of anonymity of the payer, on the one hand, allows him to make appropriate purchases, and the online store to avoid taxes. On the other hand, it is possible to deceive a client with one-day shops without providing paid goods and services.
Interestingly, initially e-money was conceived to pay for goods/services on the Internet. This explains the noticeable advance in the dynamics of the electronic payment market (70%-120%), the development of e-commerce (30%-45%). Nevertheless, the very idea of digital cash in the current DigiCash design developed by Professor D. Chaum is definitely promising. And even with all the existing shortcomings, electronic money is quite firmly established in our daily lives.
Nevertheless, the development prospects and the future of such systems are not entirely clear. Despite the high level of protection, digital cash is still stolen, which representatives of payment systems explain by the user's ignorance of information security. So, first of all, it is necessary to determine their legal status. So, WebMoney calls itself a "system of property rights", "Yandex.Money" is a "prepaid financial product", and their activities are not regulated by the country's central financial institution. But in terms of virtual units, the role of EPS data in e-commerce and the commodity-money turnover of the country is increasing. At the same time, the fraud that exists in the traditional financial system is likely to find its place in the proposed systems of the future. Minimization of its spread by ensuring the security and confidentiality of settlements using e-money can be solved by the development of legislation and the development of uniform standards for settlements.
It is undeniable that digital cash systems have already won their audience, ideally suited to a range of tasks. Of course, it is not yet possible to completely replace cash transactions. Cash transfers are quite inexpensive and their costs are low compared to the purchase price. Today, each e-transaction costs about 15 cents on average. It seems inexpensive, but at the cost of, say, a drink for 60 cents, it will be a decent cheat. But with expensive purchases, the effect will be the opposite. Considering the expansion of the potential audience of EPS, and given that businessmen and government organizations usually pay by check or other non-cash means, the transition from cash to electronic payments should be expected mainly in the household sector. But that is not all. If electronic payment systems prove to be cheaper or more convenient to use than traditional ones, then the business environment will be able to significantly increase the amount of working capital and, as a result, spend more. As a result, this will lead to an increase in their total income, which will also favorably affect the development of the economy as a whole. However, increased sales are not the only benefit of electronic payment mechanisms. Their use can significantly reduce costs. It's no secret that cash management is an expensive, slow, and insecure process. And systems that reduce the use of cash can reduce distribution costs, although they increase initial capital costs. In short, how much new forms of payments will reduce the total amount of costs in the short term will depend on the willingness of Internet providers to use them.
Summing up, we can say that in some cases, it is more convenient and easier to use digital cash systems than card ones. We repeat that in order to increase the reliability of this market and the degree of user confidence in it, it is necessary to clearly define the legal status and rules of the game for electronic payment systems operating with digital cash. To date, the general state of the market niche of payment systems in Russia is still at the stage of development. Accordingly, the volume of participants and the number of transactions carried out in comparison with North America and Western Europe is negligible. Nevertheless, observing some progress, it can be expected that the level of use of the Internet segment used for e-commerce will soon increase in Russia, along with the number of financial institutions and the quality of their services.
According to cnews websiteAny Internet payment system is a special technology that allows you to make various payments on the Web (pay for the services of shops and banks, receive salaries, replenish your mobile account, withdraw money to a bank card, etc.). Today, online currency is no less important 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.
one. . It is one of the most famous electronic systems of the Internet and the main tools for exchanging money and conducting online currency transactions in the CIS. To use WebMoney Transfer on a computer or mobile phone, you need to install one of the keeper offered by the system by entering your real data. For greater confidence, it is desirable to obtain a personal certificate by sending passport data to the address specified in WebMoney Transfer. At your service - the broadest user interface, many functions, features 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, keeping, 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 California 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 a PC, Internet, mobile. Russians and Ukrainians can only use this payment system to pay for purchases. Online currency cannot be withdrawn and accepted from other users.
4. (RUpay). A single payment platform works in real time and allows you to make any transactions with electronic money quickly and safely. Unlike WebMoney Transfer, you don't have to be afraid to forget your details at home in a notepad. The main purpose of RUpay is to pay for payments and purchases on the Web, withdraw money to accounts of Ukrainian or Russian banks. RBK Money itself does not provide banking services.
5. [email protected]. The system was limited only to the web interface. Payments are made from any PC, and an email address serves as an identifier.
6. Rapida. Initially, she collaborated only with financial and credit institutions. The processing center of Rapida is connected to the company's billing system. In fact, Rapida is a round-the-clock service for receiving payments for the phone, utilities, and so on. The system allows you to set the 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 devoted themselves to Internet commerce.
8. (skrill). This young payment system (2003) operates in accordance with UK law. 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 made through e-mail. The national currency with which you intend to work should be selected during registration. Moneybookers uses only your real data. No software installation required. So, send money from your bank card, receive online currency by e-mail and make any purchases on the Web.
nine. . Another young electronic payment system (2005), registered in Quebec (Canada). The democracy of Alertpay 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. For all transactions with online currency, small commissions are charged.
10. . The payment system was able to successfully integrate many types of electronic payments and transactions into one coherent, logical system, which is easy and convenient to work with. Unlike the listed services, Z-PAYMENT does not compete with other electronic systems, but cooperates with them. By registering for free, you will be able to work with any payment systems, banks, performing various operations using both non-cash and cash payments. Guaranteed security, the absence of special software for users, the ability to conclude 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. The service is currently available only to residents of the UK and the US. In fact, Google Checkout does not make payments, but guarantees their safety. The operations themselves are carried out with the help of bank cards of system users.
12. . Another convenient and secure online instant electronic payment service. It is multifunctional: the system allows not only mutual settlements between registered users and making various types of electronic payments, but also has its own deposit program, which makes it possible to safely store electronic currency on accounts and receive monthly interest payments on the balance of funds. Among the advantages of Perfect Money is a high level of security and round-the-clock technical support.
13. . The main purpose of this Russian payment service, which operates today in 20 countries of the world, is instant payment for various kinds 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 your 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 in Russia, Ukraine, Belarus and other countries.
fourteen. . An electronic payment system originally from Canada, operating in the global market for electronic financial transactions since 2005. Simple and free registration will allow you to open an account in the system quickly and without any problems. 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 in 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 perform various banking operations, but transfers of funds of a commercial nature are not allowed here (money transfers between individuals - owners of EasyPay wallets are 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 market of online payments.
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 PrivatBank's ATM network in Ukraine and Russia. The high level of security of the operations performed is guaranteed by the use of the dynamic one-time password service (sent in an SMS message to the phone number associated with the personal account) and 3D Secure code technology.
17. . Single Wallet W1 is another convenient and reliable electronic service that allows registered users to make transfers between wallets without additional commission, as well as quickly and easily 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 partner network, which enables profitable commission-free payment for the widest range of goods and services.
eighteen. . A multi-currency payment system that 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). EPS Pecunix, registered in Panama, has been operating in the electronic currency market for 10 years. The advantages of this payment system based on gold assets can be called 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 an email address. At the moment, transactions in MoneyMail can be carried out in three types of currencies - the Russian ruble, the US dollar, and the euro. All operations in the system are carried out through the interface of the site; additional applications do not need to be installed. Among the main services are replenishment of mobile communication accounts, making monthly payments, repayment of bank loans, transferring funds to e-mail and many others.
twenty. . The purpose of this service is to pay for services, make money transfers and various payments via the Internet using Ukash vouchers (bank account or card is not required). You can buy a Ukash voucher for cash at specialized points of sale or online using a variety of Internet services (Webmoney, W1, LiqPay, QIWI, RBK Money, etc.). One of the most popular services available to Ukash voucher holders is international online translations.
Good day everyone!
The Internet is becoming more and more integrated into our lives. Now you can quickly transfer money to relatives or friends, and buy some things, and pay for insurance, receipts - and all this without leaving your home!
All these transactions with money cannot be carried out without payment systems . Now, of course, many online stores allow you to pay by card, but not all stores can do with just plastic. I'm not talking about transfers, the same interbank payment can take up to 5 days, and a transfer, say, to QIWI - up to 5 minutes! Face difference ☺...
In this article, I want to dwell on the most necessary payments that are used on the Internet (where you can store and manage money relatively safely). By the way, many of them allow you to save money, because. commissions for transfers within their system are cheaper than in many Internet banks ...
Note: I highly recommend that you indicate your correct passport data when registering in payment systems (check everything 2-3 times). One misspelling for 1-2 letters - and you can get problems with blocking or freezing the account until clarified. In addition, unconfirmed wallets have certain limits on the use of funds.
QIWI wallet is one of the easiest and most convenient ways to pay for purchases and make transfers on the Internet. All you need to get started is just a mobile phone (when registering, QIWI binds a mobile number (for security reasons)).
The service allows you to pay utility bills, make purchases, make instant money transfers, and all this with a very low commission (of course, relative to other services). QIWI also has a fairly wide network of payment terminals, a mobile application, and various Internet resources, which all together makes the use of this payment system simple and convenient.
Main advantages:
- works in many countries of the World (more than 20 at the time of writing);
- transactions and transfers are carried out almost instantly (commissions are minimal or absent);
- there is very (this is the return of a certain percentage of the cost of purchases (for example, you bought a product for 1000 rubles - 100 rubles returned to your wallet). According to some offers from online stores, cashback reaches 10-15%!) ;
- tight integration with other Internet wallets, operator's mobile account;
- easy replenishment of the wallet (and in many cases without commission) from Internet banks, cards, other payments;
- there is no Internet connection, then you can send a transfer even using an SMS message;
- the interface is friendly and allows you to complete your task in an easy step-by-step version (transfer, replenishment, withdrawal, etc. of the task);
- before making a transfer, QIWI will warn you about all commissions;
- you can order a plastic or virtual card (and pay with it like a regular bank card).
Yandex money
A very popular payment system on the Internet in our country. It differs primarily in its simple registration and use. In addition, the fact that one of the most popular search engines Yandex supports the system also contributes to its popularity.
Payment for the order: please note that Yandex gives some kind of guarantee that your purchase will be delivered to you (otherwise you can dispute it and return your funds)
Main advantages:
WebMoney
One of the oldest, most popular and multifunctional payments on the Internet (appeared in 1998, even many banks have gone into oblivion during this past hard time, but WebMoney lives and develops). It has a number of unique services for its purposes, tk. say the flagship in Internet payments ☺.
Main advantages:
- accepted in most online stores (the most widespread);
- works in many countries of the World (wide distribution in the CIS);
- wallets can be in different currencies: Russian rubles, Belarusian, hryvnia, dollars, and even bitcoins! You can convert currencies from one to another using your own exchange (the percentage is minimal);
- one of the highest levels of security (this is not found anywhere else!): spec. application for PC and smartphones, key file, password for access to the application and key file, work with ENUM. WebMoney also provides certificates and BL (a kind of rating of honesty and respect ☺) for each of the participants. This also encourages honest and open work;
- a huge number of options for replenishing and withdrawing funds on the account: bank cards, accounts, other payment systems, money transfers, etc.
- instant transfers within the system;
- the ability to transfer money with a protection code (until the code is entered, the money will not be credited to the recipient's account. It is convenient when you want to insure yourself, and suddenly they sent it to the wrong person, or he has not yet completed the service for you);
- the possibility of organizing the receipt of payments;
- the ability to conduct transactions (protected!);
- easy and fast payment for utility bills, cable TV, Internet, mobile phone and much more (all in one article cannot be described - this is a very multifunctional payment system with constantly expanding features!).
PayPal
One of the most popular payment systems in the World, more than 200 million registered people at the time of publication of the article! Payment, of course, is not yet so widespread in Russia (it came to us not so long ago), but abroad it is used in the vast majority of online stores and services.
One of the main advantages of the system is the ease of transfer, it is enough to know only the e-mail of the participant, and you can send money to him! Moreover, PayPal guarantees the safety of your funds, and gives a certain time (up to 180 days) to dispute the transaction (for example, you ordered something on the Internet, but you were deceived and the goods were not provided - PayPal will refund your money!).
Main advantages:
- the most widespread in the World - if you want to receive a money transfer from abroad, there is nothing easier than with PayPal (just the same QIWI hardly anyone knows there ☺);
- high level of security;
- the possibility of challenging the transaction (return of funds);
- there is a mobile application (and, by the way, very convenient!);
- instant transfer of funds from account to account;
- protection of your bank card on the Internet - it is not visible anywhere when paying (the card is linked to your PayPal account and upon purchase, the money from the card goes through this payment system. That is, no online store will recognize your personal data from the card).
Rapida
Rapida is a popular Russian payment system designed mainly to pay for various services: utilities, telephone, Internet access, loans, etc. It should be noted that the popularity of the system is somewhat lower than that of WebMoney or Yandex money (apparently due to the fact that the original system was aimed at working with large companies: utilities, banks, search engines, etc.), but recently Rapida wins back part of the market...
You can replenish your wallet in Rapida using terminals, banks, plastic cards, such operators as Euroset, Svyaznoy, Technosila.
Key Features:
- payment of loans regardless of the work schedule of your bank - Rapida will transfer everything urgently at any time of the day;
- wide opportunities for work: you can pay utility bills, traffic police fines, Internet services, make transfers, top up your phone account, buy a ticket or a tour, order a prepaid card and much more in a couple of mouse clicks!
- minimum commissions for withdrawal to other payment systems and plastic cards of banks;
- for subscribers of "Megafon" and "Beeline" it is possible to make a payment directly from the mobile, indicating the transaction code and the amount;
- detailed statistics on your payment is always available on the service website (money will not get stuck or lost during the transfer).
W1 (single wallet)
"W1" aka "Wallet One" (or "Wallet One") is an electronic payment system designed to combine all Internet payments in a single wallet (i.e. in its ☺). The wallet works with many countries, including: Russia, Ukraine, Belarus, Kazakhstan, Tajikistan, etc. It is distinguished by its close integration with mobile phones (in the same Viber, you can now view the account balance and manage it), and low commissions for transfers and replenishment accounts.
Main advantages:
- payment for mobile communication services, housing and communal services, cable TV, etc. popular tasks;
- payment of loans 24h. per day;
- transfers within the system in minutes!
- purchases in online stores;
- transfer of funds to other payment systems: WebMoney, Yandex-money, etc.;
- it is possible to exchange messages between users of W1 wallets;
- tight integration with mobile (tight integration with Viber).
[email protected]
A fairly convenient service for transferring money from card to card and between users registered in this payment system. To transfer money from one to another - it is enough to know only the e-mail address. Agree, convenient?!
In general, while the service is not so popular, but over time it should gain momentum due to the large audience of Mail.ru.
Main advantages:
- money on the wallet in the system - stored in Raiffeisenbank (which gives greater reliability);
- it is not necessary to install any additional programs;
- the ability to quickly and with a minimum commission transfer money from card to card;
- your bank card is easily and quickly linked to the account, and then you can not show it when making online payments;
- many ways to replenish the account: QIWI, ATMs, bank transfers, using cards, etc.
- high security of the wallet and transfers (to transfer money, you need to enter a payment password). After the termination of work with the service, after 15 minutes. access to the wallet is automatically closed.
Perhaps, from the minuses, one can single out the fact that the system can only work with rubles. Also, a rather weak prevalence in Russia (and its complete absence abroad) ...
I would call 8 electronic payment systems the best in the world. They will be discussed today in this article.
That's really, in truth, the people's payment system.
In it, you can create wallets for all popular runet currencies (dollar, ruble, hryvnia, tenge), while maintaining a high degree of anonymity. Here the wallet interface is Russified and it is possible to communicate with technical support in Russian. Agree that it is very convenient.
OKPay- a very young international payment system, but this did not prevent it from becoming popular both in the West, and in our country, and in the post-Soviet space. The link (as in PayPal) goes to your Email address, which is the logo in this payment system. There is little or no commission charged for transactions. Withdrawal of funds is possible to bank details or to an OKPay debit card linked to the account.
OKPay is an alternative to the untimely departed Liberty Reserve because it also turns a blind eye to the withdrawal of money from various "pyramids" and gambling. There are payment restrictions here, but this only applies to unverified accounts. Here, just like in Perfect Money, as much as 3% is credited to the balance of money in the account. Agree, it is very unusual for electronic wallets.
Payza (Alert pay)- another anonymous electronic wallet. Anyone can open it. The company was formed recently, by merging Alert pay and another similar system. The movement of funds from it is carried out by linking a bank card to it. Payza in Russia is mainly used to receive Internet money earned abroad. Sometimes there is a problem with the output, but this problem is quickly solved.
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☛ Bank payment card world
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