Overview of the most influential Russian Internet payment systems would be incomplete if we forgot to mention the most important of them - the electronic payment system WebMoney Transfer. We will not focus too much on how much you mean " Yellow Ant " for users of the Russian segment of the Internet ( I think, it is so clear ) , but just try to provide a concise characterization of the most popular of payment orders .
Understanding .
History payment system WebMoney (www.webmoney.ru) began at the end of the last century - in 1998 . During 12 years of activity , this domestic EPS could turn into the largest operator of electronic payments in the territory of the former Soviet Union . To date, the system recorded nearly 11 million accounts ! About 150,000 of them belong to the active participants in the system . Rows platezhki daily adds about 10,000 new users.
The financial side of WebMoney Transfer is as follows . Every day in this payment instrument its user to make almost ( !) 300,000 transactions. The total turnover in the last day ranges from 20-30 million cu . Solid performance , to be sure . Moreover, they tend to be stable growth . So , has become a tradition that the outcome of the main financial indicators of the international payment system WebMoney grow by half, and in some cases - three times . The main reasons that contribute to this : the pervasive " internetization " public life , as well as the competitive advantages of a payment instrument WebMoney Transfer, when compared with other EPS.
Opportunities.
Typically, these benefits are associated with the opportunities that are opened after login. So , becoming an active participant in the electronic payment system WebMoney, a natural or legal person may:
- In real time instantly transfer funds to other users of the system;
- To make the payment for goods and services in Internet shops ( number of web portals belonging to a community of users WebMoney, approaching 40 thousand) ;
- Make mass payments ;
- Receive remittances from other members EPS ( as through personal contacts , and as automated payment for purchased goods and services);
- To be active accounts receivables or activities ( receiving or issuing loans );
- To insure risks in the implementation of online transactions;
- To carry out the automatic control of the budget , companies, firms, organizations, etc. ;
- Issue checks and pay through them;
- Become a business partner WebMoney Transfer;
- More.
A few words about the reception.
To fully appreciate their own experience all the features above card payments, you have to register in the system WebMoney Transfer. The registration procedure will take away from you for a while , because it consists of several successive stages ( acceptance of the terms , the choice of optimal client program WM Keeper , etc.). Dwell on them in detail , we will not , we only note that all stages of the registration must be approached with great responsibility , exactly fulfilling the recommendation system. In this case, with the initiation of the big family of the participants WebMoney you should have no difficulties.
The registration process involves WebMoney transfer of personal data for the new user and assign it a unique number - WM-identifikatora/WMID (one of a kind , keys , which is required to log on ) . On the basis of the personal data provided to each user WebMoney Transfer the WM-certificate . On its varieties talk later .
Direct user interaction with the electronic payment system WebMoney carried out by a specialized tool - a client program WM Keeper. The latter, according to the wishes and working conditions of members of the system, can be of several types :
- WM Keeper Classic ( separate software application that requires installation on the user's PC );
- WM Keeper Light ( web interface through which you can use the services of WebMoney Transfer from any computer with a connection to the "global spider's web ");
- WM Keeper Mini (" lite " web application , when compared with WM Keeper Light, which is simple and convenient to use, though, with a limited capacity . Achieved as a separate site, the user's access to a personal account through which happens to using login and password. main feature - multifunctionality as WM Keeper Mini can be used for PC and mobile gadget );
- WM Keeper Mobile ( software product that is used for cash payments in real time via mobile devices - phones, smartphones ) .
Get comprehensive information about the possibilities of a particular species can WM Keeper in the relevant sections of the official site of the payment system WebMoney. Take the time to ask , because it will help you make the best choice in the registration process . By the way, the latter can be regarded as concluded after an appropriate client application (WM Keeper) was chosen .
About purses ...
Registered in the system , its new member gets in your account menu . Basically, from this point you can begin active under the banner of " Yellow ant ." But first it is necessary to acquire electronic purses . It should be noted that, unlike some other EPS (say, the same Yandeks.Deneg ) payment system WebMoney Transfer offers to use several types of title characters ( types of electronic currency ) . Clearly the case , each currency can be stored in a special electronic purse :
- WMZ ( purse storage USD);
- WME ( purse storage euros);
- WMR ( purse for storing Russian rubles );
- WMU ( purse storage Ukrainian hryvnia );
- WMB ( purse storage Belarusian rubles) ;
- WMY ( purse storage UZS );
In addition to virtual wallets that are equivalent to the actually existing national currencies , payment instrument WebMoney offers its users and other electronic storage titular characters . First, we can talk about WMG - wallet for storage of gold ( 1 WMG is equivalent to 1 gram of gold). Second, it's purses WMC and WMD ( as a unit using the U.S. dollar and designed exclusively for credit transactions ) .
The process of creating an electronic purse in seconds , after which the user assigned unique numbers of the foreign currency accounts . Last look like this : Z786920415721 ( for dollars ), E111111111111 ( for the euro ), R111111111111 ( for RR ), U111111111111 ( for hryvnia ) and so on.
Concluding the story of electronic purses WebMoney must be emphasized that while the money transfer ( from one account ) can only be used the same purses . Otherwise ( when different types of purses ) need to resort to exchange web services. In addition , it is important not to forget that electronic purses one user started , say, in WM Keeper Classic can not be used by him in WM Keeper Mobile or WM Keeper Light.
On the merits ...
In our opinion , the national electronic payment system WebMoney Transfer owns a bunch of different advantages. Here are some of them :
- The highest level of privacy and security of participation in the system ( for example, when it comes to security , it , depending on the situation , may provide the secret passwords , WM- IDs, files, secret keys , personal digital certificates , as well as e- authentication system Num);
- Variability ways refill (WM- cards , prepaid cards and vouchers Ukash; postal and bank transfers , remittances CONTACT, UNISTROY and Anelik ; specialized terminals and ATMs in Russia and Ukraine; replenishment electronic wallets in WebMoney certified exchangers ; refill through an authorized dealer , etc.);
- Variability ways withdrawal from the system ( output to a bank account , transfer to a bank card , cash in exchange for certified exchangers ; postal order with the previous exchange for Russian rubles , if required; cashing through remittances to Russia and Ukraine );
- Unprecedentedly broad scope of electronic money WebMoney ( for payment of mobile communication services, cable television , housing services , Internet service providers , buying newspapers and magazines , e-books , software, and tickets , for insurance online and many others );
- The weighted commission ( any transactions in the system - 0.8 %).
Aside from those mentioned , the payment system WebMoney has several other advantages. So , its users in case of need can make use of internal mail . Very comfortable , you know - there is no need to resort to the help of special software applications like ICQ or QIP. Internal mail services are particularly relevant when there is no other contact information .
Deserves attention and the opportunity to earn money through the electronic payment system WebMoney Transfer. For example, a user of the system can sell WM- card (sold at wholesale price , and sold at a premium ); open your own currency exchange titular characters WebMoney; become a registrar system ( personal issue certificates for a fee ) , etc.
It seems that an important advantage of the payment system WebMoney exchanger is its own title characters . For example, if the user is necessary to exchange WMZ to WMU, there is no need to surf the Internet in search of web exchanger. All you need to do , to make few simple clicks of your account. Result - preferred currency to your servants ! However, it is worth noting that the exchange rate within the EPS WebMoney is not always optimal . Consequently, sometimes still is a reason to look for more favorable rate in independent Internet exchangers .
Participants of the electronic payment system WebMoney Transfer may also engage the services of so-called , WebMoney Advisor. This - the expansion of the web browser , which displays it as a special toolbar. The main purpose of WebMoney Advisor:
- Monitoring of the sites belonging to the community WebMoney;
- Immediate notification of harmfulness visited resource ;
- Go to the pages of the browser to the parent site of CSE , the site of the arbitration service WebMoney , etc.;
- Quick launch client program WM Keeper.
It may seem that the benefits payment system WebMoney Transfer , you can tell a very long time . So it is , especially considering that their number is constantly growing .
With regard to deficiencies in the payment order WebMoney, then exposing them leave to your discretion : find - do not forget to share with the public , not - well, thank God!
Conclusion .
At the end of our story will touch another strontium of the payment system WebMoney - assigning users WM-passport and business level (Business Level). As noted above , WM- evaluator is a digital certificate, which is issued to each member of the system . Under the CSE has several types of WM- passports:
- Alias passport ;
- Formal certificate ;
- Initial certificate ;
- Personal certificate ;
- Certificate of the seller ;
- Passport Capitaller;
- Certificate of the developer;
- Passport Registrar ;
- Passport service WMT;
- Passport guarantor WMT;
- Passport operator WMT.
The presence of a higher-level certificate to its owner promises several advantages. As a rule , the latter associated with more favorable conditions of use of the system, as well as classes in e-commerce . By the way , getting more influential certificate depends not only provide personal information , but also on other factors ( for example, for some certificates , among other things , you need to pay money ) . In detail acquainted with the essence of a certificate can be on the official site of the payment system WebMoney.
With regard to business level (BL), which is also assigned to the user WebMoney, it represents a public business activity level of the owner of WM- identifier. Thus, the higher the BL, so authoritative user system. Business level is calculated taking into account:
- Duration of use WebMoney Transfer;
- The volume of cash transactions carried out ;
- The number of users , which had financial and other relationships ;
- Presence or absence of positive reviews / claims against members of CSE .
Believe that our review will help you lay a holistic view of the most popular Russian Internet payment system - WebMoney.
