WebMoney Transfer (WM) is the largest electronic payment system in the global network. Unlike other payment systems, it is distinguished by wide withdrawal options, minimal commission fees and a high level of security. In addition, the WebMoney system offers a wide range of currencies, allowing you to carry out calculations in various directions. The payment service is international.

The first transaction using the service was made almost 20 years ago (1998). The owner of the PS is "Transfer" LTD. Engineering services are performed by Computing Forces Joint Stock Company (Russia), and the legal basis for the payment service is the Lithuanian company UAB DEED BALTIC.

Status and statistics

WM uses “title units” as payment units, which from the legal side are not tied to gold and currencies of different countries. Title marks cannot be considered as electronic means in accordance with domestic law, as well as international norms. For this reason, WebMoney was denied registration in the Russian Federation as a payment system. Despite this, the statistics of the payment service indicate that more than 30,000,000 accounts have been registered in the system (2015). The total number of money transfers in and out of the system exceeds 160 million per year. In 2015, the volume of transactions exceeded $ 19 billion.

The reputable company Markswebb Rank & Report, which conducts an annual study of financial markets in the field of electronic systems under the name e-Finance User Index, announced that at least one WebMoney wallet is operated by 56.7% of users of the global network (in the CIS) ... At the same time, 34.5% are active users of the system.

Title marks

Property rights in the system are confirmed by securities issued by the Guarantor. Title units in the form of electronic media are analogous to physical money. In the WebMoney payment system, money is represented by different types of units of account. To the two symbols (WM), which define membership in the payment system, a third is added, confirming the equivalent.

For example, WMR is analogous to the Russian ruble. The main currency equivalents offered by the electronic service are the dollar, Euro and gold: WMZ, WME, WMG. Additional signs are C and D, which are tied exclusively to the US dollar and are intended for conducting credit and financial transactions. Due to the linking of units of account to the currencies of different countries, the user of the system has the opportunity to maintain the value of his funds. The only criterion that affects their value is currency fluctuations.

Commission services

The minimum service cost for transferring funds is 0.01 units, depending on the type of currency used. The standard commission that the sender must pay is 0.8%. The maximum commission that the WebMoney system can charge is limited to $ 50 (50 WMZ). Carrying out lending activities within the system is subject to payment of an additional commission in the amount of 0.1% of the amount of allocated funds.

Commission is not charged for transfers between currency wallets of the same type. In this case, a prerequisite is the use of one WM-identifier or other identifiers that are attached to the passport. Tariffication for the withdrawal of title units through banking networks or other PS is formed not by the WM system, but by the participants in the operations themselves (banks, companies). The exception is the WebMoney card, the commission for withdrawing funds from which is regulated by the payment platform itself.

System identifiers

After registration, which requires confirmation by email and phone, the client is assigned a 12-digit code. The number (WMID) is generated in random order and is the users WM-identifier. For example, 256765985768. The number of WMIDs created by the user is not limited. The client has the ability to create new wallets on each WMID.

The wallet number also consists of 12 digits, in front of which there is a sign that identifies belonging to a particular currency system. For example, E4578198575857 is an E-wallet (analogue of Euro). Each of the WMID numbers, as well as the WebMoney purse, are unique. A user who knows the owners WMID cannot find out the numbers of his wallets. At the same time, it is quite possible to determine the owner of the WMID by the number of any type of wallet: the service is available on the WM certification portal. Clients of the system have the opportunity to open information about themselves on the identification page or hide it, leaving only the WMID number for viewing.

WMID is information that allows you to determine the level of a users business activity. It is freely available and is not a requisite for transferring money. You can transfer WebMoney money only using your wallet number. WMID is also used for communication between users of the system, sending invoices.

How do I manage my wallets?

As a tool that allows you to manage your wallets, the user is offered the Keeper program. The electronic system offers four types of client software:

Classic
Light
Mobile
Mini
On all types of software, the account is logged in using a name and password. Clasic is a standard program that needs to be installed on a computer. Light software runs directly in the browser. Connection type - secure. Mobile is aimed at users who work on mobile devices, while Mini is designed for all types of gadgets and PCs.

The choice of software depends on the functions performed by the user. All payments in the WebMoney system are irrevocable. Funds are credited to the wallet instantly, and this is a huge plus for merchants who work in the global network.

It takes tenths of a second to complete the payment. Information about transactions is stored in the history, as well as in the information base of the system. Transfers can only be made between wallets of the same type. For example, WebMoney money Z can be transferred only to the appropriate type of wallet. Transfers between U-wallets, R, E and others are performed in the same way.

Business level

All users of electronic PS have a BL (business level), which is formed based on the number of completed transactions, currency exchanges (volumes), duration of service use, negative and positive feedback and other operations. In general, the business layer reflects the users business activity. When carrying out financial transactions, the level of business activity is displayed in the WM Keeper window. It can also be viewed on the attestation page, where information about the participants WMID is presented.

Additional services

In addition to making transfers between wallets of identified participants, the WebMoney payment system allows you to use several dozen services. Almost all services are focused on doing business in the global network. Clients are encouraged to use PS to register in affiliate programs, to receive funds from the sale of services and goods in various ways, from a store to one-time sales. Users can conclude transactions, provide funds within the system for temporary use (crediting) to other participants. At the same time, money can be withdrawn from the system to a bank card or other PS at any time. Obvious advantages to users are provided by the WebMoney card, the withdrawal to which is carried out with minimal commissions.

System attestation

To obtain all of the above benefits, the user must prove his identity, which is ensured by the provision of documents in digital or physical form. After that, the client receives an internal identity called a WM Passport. Such a document has weight exclusively within the framework of the payment organization and provides the participant with a lot of advantages.

Each user can check information about the activity of the passport holder, as well as get acquainted with reviews and claims. In total, there are 12 types of certificates.

An electronic document of the very first level is a pseudonym certificate. Registration in the system does not require confirmation of personal data entered by the user. For withdrawing funds to bank accounts and expanding capabilities, the system uses a Formal Passport, which, despite all the advantages, does not provide the user with complete freedom of action. The certificate is issued on the basis of copies of documents that the participant uploads on the official website. The user can create a WebMoney wallet and transfer money in the form of title units to other members regardless of the passport.

The most popular currently is the Initial Passport, which can be obtained in two ways: by direct contact with a representative or by postal service.

The highest level document is the Registrars Certificate, which as of December 2015 had less than 200 participants.

Rapida Ltd is a non-bank credit institution. The limited liability company began its activity in the payment systems market in 2001. The competent work of the management allowed the company to take one of the leading positions in the Russian market, and at the beginning of 2015 the organization became a member of the QIWI group. In the list of operators that carry out instant payments, registered by the Central Bank of the Russian Federation, the Rapida system carries out operator activities of the PS "Contact".

License from the Central Bank of the Russian Federation

The main vector of the organization is to provide financial market participants of all levels of services in the form of retail settlements. The main security grant for users of the system is license No. 3371-K, on the basis of which NPO Rapida carries out its activities. A permit document providing for the conduct of banking operations was issued by the Central Bank of the Russian Federation on May 8, 2013.

Innovative technologies

A feature of the payment system is the use of innovative developments in making payments. The ability to perform instant money transfers via secure communication channels is due to the direct interaction of the lines of the recipients billing software packages with the information technology center of the Rapida company.

Customer service and partners

According to information provided in 2016, the Rapida payment system offers customers over 100 thousand branches and self-service points throughout the Russian Federation, providing instant payments. Acceptance of payments is also possible in mobile phone shops and cash desks of shopping centers. In addition, the Rapida-online service allows you to make money transfers by phone.

The list of partners of the company includes large trade associations, powerful players in the mobile communications and non-mobile telephony market, providers, and utilities.

Payment system services

Transfers between clients of the system are carried out subject to a high level of service and minimum commissions. A wide network of branches, as well as large financial partners with whom the Rapida system cooperates, allows you to perform transfers at the international level. The organization works in tandem with companies such as UNISTREAM and Anelik. Funds can be sent from the cash desks of retail chains in large cities.

The commission for transfers in Russia does not exceed 1.6%, in post-Soviet countries - up to 2%. Transfers in the amount of up to 15 thousand rubles do not require the presentation of an identity document of the sender. All cash desks of retail chains accept the maximum payment for a transfer in the amount of up to 150 thousand rubles. An exception is the Eldorado ticket office, where the limit has been increased to half a million rubles.

The transfer is traditional: you must specify the region and contact details of the recipient. The operator of the PS Rapida generates a template, which is saved in the systems memory and during subsequent calls from the client he will only need to name the number. The number of transfers is unlimited. All money transfers through the system are unaddressed. The money arrives to the recipient within a minute.

Virtual product from the Rapida system

The service offers the use of prepaid MasterCard and VISA cards, which allow making payments in the global network. The virtual carrier of payment information has no physical form, but reliably protects the users funds from the actions of intruders on the Internet. As part of the partnership program, the bank that issues the card is Russian Standard Bank.

Billing information is provided to the customer in the form of a digital check and a phone message sent by the financial institution. The card is issued for a period of 90 to 120 days, has all the requisites for payment and is a guarantor of security. Only rubles can be used as a currency on a banking product. The maximum limit is 15 thousand rubles.

Why is a virtual card necessary nowadays?

Since the Rapida payment system monitors all changes in the payment services market, given the number of fraudulent activities, the number of which has increased significantly recently, the virtual card has become a must-have tool when paying for goods online. Among the advantages of using the card, the following should be noted:

the clients ability to independently set the amount of funds;
use of an unlimited number of virtual cards;
reliability and security of every payment.
The user can create several cards, each of which will be designed to pay for certain services. For example, such a card with a set limit can be used by a teenager when paying for games on the network.

Wallets

A special service designed for storing funds, presented in the form of an electronic wallet, is an indispensable attribute of a modern person. With the help of the wallet that the Rapida system offers, you can pay for various services, ranging from mobile communications to paying off loan debt. It is possible to ensure the possibility of regular payments only if the wallet is replenished in a timely manner. For this, there are terminals, bank cards, cash desks of the SS Rapida Online, which are located in large shopping centers throughout the Russian Federation.

Repayment of debt on a loan

Clients of the payment system can deposit funds to a bank account to repay a loan without visiting a financial institution and with a minimum commission. There are numerous sales centers, cash desks, translation service salons, ATMs. For translation, you can use a visit to the branches of the Russian Post.

For repayment of debt commission on loans through self-service terminals, the Rapida payment system charges a commission of 1% of the payment. The minimum commission amount is 50 rubles. When using the services of Russian Post, the commission is 1.9%. The minimum commission amount is 50 rubles. Western Union commission - 3%.

What are the advantages of the Rapida service?

Prompt receipt of funds. The money is credited to the bank account within 24 hours.
Variety of payment methods.
Convenient terms of transfers. After the first replenishment, all information is saved in the form of a template and the client does not need to tell the cashier every time the bank details, account numbers and phone numbers.
The safety and reliability of each payment is guaranteed by the fact that all information enters the billing systems through secure communication channels.

Possibility to pay fines

To deposit money for traffic violations, Rapida offers three ways:

using the Rapida-online service, which allows you to deposit money anywhere where there is a global network. Payment is possible only if the details of the receiving party are available;
through mobile offices;
using self-service terminals of the payment system, as well as partner companies, a list of which can be found on the official PS portal.

Utilities: payment with a modern service

The entire list of utilities today can be paid with minimal loss of time and the need to visit post offices. Thanks to the service offered by the Rapida system, payments for gas, water and other services can be made through any terminal of a multi-thousand network, covering the entire territory of the Russian Federation. Payment is accepted at branches and cash desks, as well as through the online service. Registration on the companys website allows you to create an electronic wallet, with which money transfers will take two minutes a month.

Payment for tickets

To deposit funds when buying tickets for any type of transport, you can use the branches of the Leader platform, which is a partner of Rapida. Funds are accepted by the cash desks of the Svyaznoy and Euroset branches. The total number of payment terminals and branches throughout the country exceeds 20 thousand.

Payment for telecommunication services and cellular communication

All ATMs and branches of the Rapida payment platform can be used to pay for the services of operators, providers and service providers in the field of communications. One of the most convenient payment options is the Rapida Online service, the list of services of which, as well as the list of companies, is constantly expanding. In order to exclude the need for regular deposits of funds, the service "Automatic payment" is offered. After a one-time deposit of funds, the Rapida system will automatically transfer money to the beneficiarys account, regularly informing the payer. Similarly, you can replenish the subscriber accounts of all mobile operators in the Russian Federation, online games.

The Rapida service offers ample opportunities for clients. Among the advantages, it is necessary to highlight a wide network of self-service centers and company branches. Due to the presence of a processing center, all types of operations are carried out as quickly as possible and comply with international security requirements. All this allows the Rapida system to occupy a leading position in the list of national payment systems.

In 2016, the Contact payment system celebrated the 17th anniversary of its activity. The center providing financial transfers is a limited liability company NPO Rapida, which is responsible for technical issues, cashless payments and organizational activities. The CONTACT payment platform is owned by QIWI, which owns the full package of securities.

CONTACT system was created to provide competitive services in the field of financial transactions between users without the need to register a bank account. The largest international platform allows you to instantly transfer money to friends and family.

The large PS network consists of more than 410 branches and self-service terminals in the Russian Federation, as well as others. The official partners of the international platform are about a thousand banks and financial institutions around the world. ATMs, agencies, company offices, financial branches are located in more than 170 countries. Today the "Contact" system is considered by the Central Bank to be a socially significant structure.

Money transfers in the system

System users can use numerous methods of transferring funds

through self-service terminals;
from bank cards;
dispatch offices;
mobile transfer;
payment with insurance.
Receiving and sending funds does not require filling out forms: the procedure is fully automated. In addition to transferring funds between individuals, the CONTACT service allows you to transfer money to legal companies in different countries of the world. A complete list of countries, which is constantly expanding, can be found on the official resource of the payment company. Transfers can be carried out in national currency, dollars, euros.

Today the system "Contact" online allows you to transfer funds to cards of international payment systems: "Visa" "MasterCard" UnionPay.

Users have the opportunity to transfer money without the need to officially register an account with financial institutions to the balance of more than 2.6 thousand legal representative offices, which include banks, trade offices, travel agencies, providers, mobile operators and other enterprises. The "Contact" money transfer system carries out hundreds of millions of transactions with clients around the globe. On the territory of Russia, PS several times became the winner of the "Money Transfers" competition, headed the places for the quality of user service and the observance of their rights.

Services for partners

Financial companies, banks and other persons who are engaged in customer service can use the complex services of the system: receiving money transfers from individuals; providing the ability to conduct monetary transactions without the requirement to open a bank account.

Organizations that become partners of the CONTACT system receive the necessary software, training materials, and letterheads of the payment service. If necessary, training is provided for the employees of the partner company. At all stages of joint cooperation and the implementation of financial transfers, the "Contact" online system provides timely advice and qualified assistance.

Joint cooperation with bank agents

The CONTACT system makes it possible to create a new service that does not need to register a bank account. Funds can be transferred by clients around the globe. Payment can be made in favor of commercial organizations and financial institutions in the following cases: loan debt; buying tickets for various types of transport; hotel rooms; replenishment of wallets in other PS; services of telecommunication types of communication, etc.

For certain categories of customers, the Contact system offers preferential rates.

Transfer currency

In Russia, funds can be sent exclusively in national currency. The exception is non-residents who can send and receive money in other currencies. Funds can be transferred to post-Soviet countries in other currencies. Based on the legislative requirements of the state, payment can be received in national currency. Conversion takes place in accordance with the rate that is not valid at the time of receipt of funds.

Transfers: maximum payment

In Russia, the largest amount of funds for receiving funds in cash is half a million rubles. The number of payments is not limited by anything.

For users of the PS "Contact" who are located abroad of the Russian Federation, but are residents of the country, the largest amount of transfer within a day cannot exceed 5 thousand US dollars. Non-residents, as required by law, have the opportunity to receive any amount during a business day: transfers are not limited to a quantitative indicator. But a one-time transfer of a client sending a money amount should not exceed an amount of 10 thousand USD.

When receiving funds in different countries of the world, various restrictions apply. Therefore, the recipient needs to know in advance about the applicable laws. You need to clarify the data on the official website of the PS. Also, the "Contact" online system will always provide detailed information.

Data that must be displayed by the sender when transferring funds

In order to receive money in Russia and neighboring countries, the user is identified using the last name, first name and patronymic. Sometimes, when transferring to the Far Abroad, it may be necessary to indicate additional information confirming the identity.

Recipient of funds: identification requirements

The norms provided by the "Contact" money transfer system make it possible to accept funds upon identification through the full name. In some cases, the middle name may be absent. To confirm the identity, the recipient must provide a document of the appropriate sample.

Terms of receipt of funds

According to the terms of the agreement, which is approved between a financial institution, an individual or another recipient and PS "Contact", the money is received in a few days.

How do I transfer money?

You can use the following methods:

visit the nearest service department. The person sending the money must verify the identity, pay for the transfer and provide the contact details of the receiving company or individual. If necessary, indicate the address where the payment will be made;
using the Contact Account service, which provides for a transaction with a minimum of details. Money can be transferred to different countries of the world. When making a payment on the territory of Russia, the minimum commission for payments up to 25 thousand rubles is 125 rubles. When making a transfer from 100 to 600 thousand rubles, the minimum commission is 1,000 rubles. In accordance with the conditions developed by the Contact money transfer system, the commission is charged from the sending party and averages 1%. Clients do not pay commission to the intermediary bank. There is also no need to register an account.
money transfers using the phone. All users of the system can transfer money using a mobile phone. With the help of the MTS operator, a minimum transfer is available (including abroad) in the amount of 1000 rubles. Commission - 4%. To receive money, you must contact any branch of the country to which the money was sent;
the RURU service, which includes the "Contact" system online, allows you to send transfers within Russia, as well as to a number of countries around the world. The minimum payment amount is 500 rubles, and the commission is 2.99% (within the Russian Federation). Money transfers in this format are possible only in the post-Soviet space. The size of the commission varies from 7.5% to 7.9%;
Money. The service allows you to make instant transfers to neighboring countries in the amount of 1,000 to 15,000 thousand rubles with a minimum commission of 5.75%. The service is available to users of the largest domestic mobile operators;
translation using terminals. Thanks to the use of terminals, you can transfer up to 15 thousand rubles. Today, the "Contact" online system allows you to use the services of partner companies, among which are "Qiwi", "Hello", "Amigo", "SDM Bank", "vpb" and others;
using a payment card allows you to transfer money with minimal losses. The minimum transfer amount is 100 rubles, and the commission is 1.6%. To complete the operation, you need to know the recipients card number;
One of the most practical services offered by the "Contact" system online is payment via the Internet bank. You can get acquainted with the partners of the payment service on the official website;
translation with insurance. Together with the transfer of money, the client has the opportunity to insure his own life against accident for a period of 30 days. The insurance amount is 25 thousand rubles. The amount of the contribution varies from 40 to 100 rubles.

Contact Information

The official website of the company is www.contact-sys.com.
24/7 support (in the Russian Federation) 0 800 200 42 42.
Email [email protected], [email protected].

MasterCard Worldwide is the worlds largest provider of payment systems in the financial services market. As of 2016, the company provides services in more than 210 countries, serving tens of thousands of financial institutions. In addition to serving customers through physical banking products, one of the corporations key vectors is payments in the global network.

The largest payment system first announced itself in 1966. Several powerful American banks have merged into an organization called the ICA - Interbank Card Association. The first banking product was the Master Charge card, which gained significant acceptance in the American market, which led to the entry of new financial institutions into the ICA organization. Two years later, MasterCard International entered the European market, which became possible after signing a corresponding agreement with the European concern Eurocard.

The name "MasterCard" was introduced at the official level only in 1979, and the following year the financial corporation became one of the world leaders. At the end of 1980, 56 million MasterCards were issued. At the beginning of the third millennium PS underwent a powerful reorganization, as a result of which the company received the status of a joint stock company. Since 2006, the company has been called MasterCard Worldwide and is considered a reliable and efficient service. The number of transactions that go through the payment system during the year exceeds 24 billion. The number of operations that the system can skip per minute exceeds 2300.

Service card products

The payment service has created a wide range of card products, which is formed based on the social status and income level of the client. Due to the huge segment of card categories, MasterCard payment is extremely popular. Each product has a specific set of services that are available to the cardholder.

The company currently positions the following types of cards:

Maestro

The card is a classic option that allows you to protect the client from the need to carry cash. The money is in the account, and even if the MasterCard is stolen, the blocking is completed within a few minutes.

Standart MasterCard

The card is a tool that is essential in everyday life, since it provides the client with payment for the purchase of goods and services. The card can be used when paying for goods in the global network, paying for utilities, recharging an account in a mobile phone and others.

Debit MasterCard

This financial product allows the user to get some advantages, in particular, to withdraw money from various ATMs without commission. The card belongs to the category of debit services.

World MasterCard

The financial market instrument belongs to the premium segment. Since the card is presented as a product aimed at people who travel frequently, an insurance policy is a prerequisite for top-up. What criteria the policy must meet is decided by the issuing bank. Despite the fact that MasterCard World payments can be made through the global network, the card is issued only in physical format. A prerequisite for the production of a World card is embossing, since in some countries, when paying for services, for example, car rental, this detail is given special attention.

Premium MasterCard cards

Premium cards differ among themselves by the content of services offered by the MasterCard payment system. For example, when servicing gold card holders, the emphasis is on information services. The user can expect to receive information about the necessary documents to enter a certain country, which organization or institution is better to contact during a foreign business trip, etc. Also, MasterCard gold cards provide the following privileges:

obtaining insurance policies;
discounts when booking hotels;
discount in elite catering establishments;
discounts in car rental services.
If a bank card is lost, then its holder can quickly receive it anywhere in the world. The exception is third world countries, which do not have MasterCard representative offices. The card is issued after contacting the service department of the country in which the client is located.

All of these services are received by clients at a high level. In the EU, MasterCard payments using premium cards are available exclusively to persons with privileged status. These clients hold high positions and have significant income. In the countries of the post-Soviet space, the situation looks somewhat different. Financial institutions independently classify users and the list of services that the card will have. Therefore, today MasterCard platinum cards do not provide a wide range of additional services and are becoming available to the bulk of the population. On the domestic market today you can find Gold cards of absolutely different levels.

Platinum MasterCard

The card is presented in the premium segment and offers users more additional privileges compared to World. When issuing such a card, the payment platform invites financial institutions to provide the client with a high credit limit. Additional services can be:

availability of a personal manager;
discounts on certain banking products;
the possibility of obtaining insurance when visiting other countries (up to 10,000 USD).
MasterCard Platinum cardholders have the opportunity to open other types of cards, for example, Priority Traveler. The payment systems proposals for improving the service are of a recommendatory nature, and the final decision is made by the financial institution. For this reason, the content of services within a particular bank card differs, as well as the cost of their service, and in one country.

World Elite MasterCard

The card offers its holders a unique level of service, which consists in providing personal advice at any time of the day, regardless of location. Users can count on services of a financial and non-financial nature, the highest level of security and confidentiality.

Innovative products: MasterCard Contactless

Currently, the innovative contactless payment MasterCard Contactless operates in more than 3 million points of sale worldwide. Payment takes place instantly in one motion. It is necessary to make sure that the Contactless logo is present, and then bring the card to the terminal. After the beep sounds, the purchase process is complete. Payment is quick and convenient, and the process itself takes no more than two seconds. The payment procedure is completely controlled by the user, since the card is constantly in his hands.

The safety of using the technology is confirmed by three key factors:

the system can withdraw money only once;
the cashier will not be able to use the information of the MasterCard card, since he does not have access to it;
the transaction is encoded with special dynamic characters, which excludes the use of data by third parties.

MasterCard MoneySend

To carry out transactions between bank card holders, regardless of affiliation with financial institutions, the MasterCard payment system offers to use the MoneySend option in real time. Payment between card accounts can be done through terminals, using a mobile device or computer. The service does not depend on the payment systems of card accounts.

The only requirement is to know the recipients card number. In addition to entering the recipients card number, the sender must indicate his own bank card number, its validity period and the CVV2 code - the last three digits. The number of payments is unlimited. However, in different countries there are limits on the amount of a single transfer. In Russian-speaking countries, the maximum transfer amount is on average $ 200. Transfer commission - 1%.

SecureCode

Convenient online MasterCard payment using a secret SecureCode is a relatively new, but very popular product in the financial services market. The method is absolutely safe, since it allows users to pay for purchases in the global network with credit and debit cards of the bank. Today more than 350 thousand online stores use effective SecureCode technology.

In order to find out if the store uses an innovative technology, you need to familiarize yourself with the payment information: services that support SecureCode install a logo on their portal. The principle of using the service is that during the transaction, the client enters the secret code in a special window. After the information is identified by the payment system, which takes a few seconds, the transaction is completed. This payment method is possible with any MasterCard and is absolutely safe.

PayPal is an electronic payment platform that allows customers to pay for purchases, services, receive funds and transfer them. PS PayPal is by far the largest in the world. The company entered the market in 1998. In 2002, the shares of the payment service were bought by eBay, known as the largest site for online auctions. Since mid-2015 PS PayPal has acted as an independent player in the financial services market. Since that time, the securities of the Wall Street payment system have risen significantly.

As of 2016, PS operates in 203 countries and serves more than 179 million customers. During 2014, more than 4 billion transactions were processed through the service, of which 25% were mobile payments. The global payment system is represented in 26 world currencies.

Security and Buyer Protection Program

The advantage of the system is its complete openness, which, at the same time, is protected from the encroachments of fraudsters. Customers from all over the world use PayPal money for the reason that the service offers convenient ways to manage their finances. Users can make payments, transfer their funds in the system or abroad, keeping hidden information about their bank card. All payments through the system are covered by the Buyer Protection Program, which is valid for six months from the date of the transaction. Warranties are provided to all interested parties: the buyer and the seller.

Clients from the Russian Federation of the service have the opportunity to receive money on the PayPal balance since 2011. Today, clients from the Russian Federation can withdraw funds to the accounts of domestic banks.

Financial Services Market: PayPal Status

PS is a global platform. In the United States, the company has a license that equates its service to financial institutions. At the same time, PayPal does not participate in deposit insurance, which does not allow it to obtain bank status. The company uses its own funds, as well as users money in order to make a profit. For this, the service uses banks deposit programs.

In Australia, the service has been part of the banking sector since 2006, since it has a permit for the right to savings activities.

Also, the companys banking activities are licensed in Europe (since 2007).

In the Russian Federation, the system operates on the basis of a license issued by the Central Bank in May 2013.

What opportunities does the payment system provide?

Linking a bank card to the system is very simple. Details can be found on the official website. After that, the client gets access to the full functionality of the system, which includes money transfers, withdrawal of funds, payment for various goods and services. The PayPal card makes it possible to withdraw funds to the accounts of financial institutions of the Russian Federation without restrictions and limits.

The payment platform successfully cooperates with thousands of stores and other online partners. Small shops, as well as large players, for example, LaModa, Odnoklassniki, work with the company. As of 2014, about 2 million customers worked with the payment service in the Russian Federation.

You can use banking services to top up your balance. You can replenish your PayPal account in cash using mobile phone stores, for example, "Svyaznoy" or "Euroset".

PayPal: using the system

Transactions go through a secure connection. Confirmation of entering the account is carried out on the basis of the users email and password. A constituent element of the personal account is the address that is used to deliver the goods. Money transfers are possible between users of the system.

To verify your account, you will need to pay for the service in the amount of $ 1.95. Money is withdrawn from a bank card. A prerequisite is the indication of the four-digit bank card code in the payment details, which serves as the basis for identifying the owner. The clients consent to the final terms of the contract proposed by the system allows you to transfer PayPal money to your personal account.

PS can be used free of charge. The sender does not pay a commission: it is imposed on the recipient, and its amount depends on the country in which the user lives. The conversion of funds by the payment platform occurs without the involvement of the issuing bank. The system independently converts monetary units into the currency of a specific country. Thanks to this, the system receives additional income using the difference in exchange rates. At the same time, the client has the ability to disable this option, and currency conversion will take place with the involvement of the issuing bank.

Disputes and claims with PayPal

If we are talking about the delivery of goods paid for through a PayPal account, then the money comes to the representative (the selling party) only after the second party (the buyer) finally confirms the receipt of the goods. In order to open a dispute, which may arise in the absence of delivery of the goods or its receipt, but in inadequate quality, the buyer is given 180 days. In the absence of mutual agreement, a claim may occur between the parties. To file a claim, the client is given 20 days from the date fixing the beginning of the dispute. If there is an evidence base, the system makes a positive decision in favor of the buyer about the refund and PayPal money (including transport costs) is transferred to the buyers account.

Mobile payments: card reader and software PayPal Here

In the list of modern PS offerings, there is a new device launched in 2012. With the help of the service, the user has the opportunity to make payments via a mobile device and a bank card. The application is developed for the Android operating system.

First of all, the card reader, which is a small triangle, and also the application are designed for business. PayPal Here is charged 2.7% of the transfer amount. For companies, a PayPal card is provided with a 1% refund. That is, in fact, the commission for using an innovative service is 1.7%.

Using PayPal Here in Business

The use of the system requires the payment of a certain amount to the program. After that, the bank card must be passed through the card reader, which is connected to the mobile device. At the final stage, the buyer must put his signature directly on the monitor. Using the system is absolutely safe: all data is encrypted and does not remain in the smartphones memory.

PayPal fees

Until 2013, when the system was not officially licensed by the Central Bank of the Russian Federation, the commission for money transfers in US currency was presented at 3.4%. In addition, there was an additional charge of 30 cents. It is such a commission that is currently being offered to users from Belarus, Ukraine and Moldova. The currency that can be used to make payments between clients from the Russian Federation is the Russian ruble. The commission amount is 3.9%. Also, 10 rubles will be charged for each translation made. Payments between persons from different countries can be made in any currency.

When converting funds by users of the Russian Federation for the subsequent withdrawal of money by PayPal, a commission of 2.5 percent is provided. If you need to exchange 2 currencies, the cross-rate commission increases to 4%. Withdrawing money to the account is carried out without commission. Duration of withdrawal: 3-7 days.

In other post-Soviet countries, only foreign currency is used to transfer funds and pay for goods. Withdrawing money from your PayPal account to bank cards is not provided as a service.

The minimum commission fee that the system provides as of 2016 is 2.4%. For this, the business must have a turnover of over 100 thousand USD per month.

Standard commission rates in different parts of the world:

Countries of the Scandinavian Peninsula 4.2%;
United States, Canada, Western Europe 4.4%;
Eastern European countries 4.9%;
Other states 5.4%.
Note: there is an additional $ 0.30 charge for each payment.

The international practice of money transfers in the PayPal system provides for the division of Europe into two regions: Europe I and II. When transferring funds to a specific country, you must visit the official website of the payment system and familiarize yourself with the current tariff.

Benefits of PayPal: Currently, the payment system is one of the largest in the world. During 2015, 10% of all transfers in US currency were made through PayPal. Protection of buyers and sellers funds. Active development in all countries and on the territory of post-Soviet countries. Ease of use and low commission.

As part of expanding its user audience, PayPal plans to cooperate with the Russian Post company. In 2015, the payment system released a new application, PayPal.me, with which customers can create their own pages allowing them to accept money.

Contact details

Official website of the company: paypal.com.
International Consulting Center: +353 1 899 8210.
Consulting Center in Russia: 8-800-333-2676.

RBK Money payment platform announced itself in autumn 2002 under the name RUpay. The PS was formed in Ukraine by the joint efforts of specialists from different countries.

In 2008, the RUpay platform was acquired by the RBC IS concern, changing its name to the modern RBKM. 4 years later, the company NPO "EPS" appeared, which operates on the basis of license BR # 3509-K. The payment unit of the PS is the Russian ruble. The legal field of the companys activity is limited to the territory of the Russian Federation.

Today the RBK Money payment system allows making payments in different ways. Money transfers can be carried out through bank cards, subdivisions of the RBK company, terminals, points of reception of mobile payments.

Each client has the opportunity to create a wallet, the use of which will allow:

pay for purchases in the global network;
services of various services;
utility services;
withdraw money to bank cards.

Achievements of the company

The single payment system RBK Money as of July 2016 serves over 7 million customers. The number of online stores the company cooperates with exceeds 40 thousand. Moreover, their number is constantly increasing. Clients of the service have the opportunity to use more than 250 thousand terminals and offices throughout the country.

Payment service electronic wallets

The client has the opportunity to choose two types of wallets: identified and unidentified. When paying for goods in online stores, both types of e-wallets have no restrictions. An identified wallet allows payments to be made to foreign companies. The maximum payment is 100 thousand rubles. The restrictions on withdrawing money are 100 thousand rubles.

When using an unidentified type of wallet, the maximum amount for a transfer to residents of the Russian Federation is 15 thousand rubles, withdrawal of funds to bank cards is prohibited.

To receive money from legal entities, identification is required (identified wallet). Also, the RBK Money payment system sets the following restrictions on money transfers for owners of identified wallets:

the maximum amount of funds turnover (per day) is 10 million rubles;
maximum amount of replenishment from MasterCard and VISA cards (per day) 30 thousand rubles;
the maximum amount of replenishment of the wallet (per day) is 300 thousand rubles.

Identity identification

By mail

To establish the existence of a person, the company uses two methods, the first of which involves sending an application by the postal service. A sample application is presented on the official portal of the company, which must be downloaded to a PC, filled out, certified by a notary and sent to RBK Money. You can clarify the information by calling 8 800 200-88-20. Details of the identification procedure can be found on the official page in the section of the site of the same name.

Through the Contact system

The identification procedure is not carried out by all receiving points. Therefore, this nuance must be clarified in advance on the official website or by telephone. To complete the procedure, the client must provide the RBK employee with an identity card (passport) and an e-wallet number, which must be replenished in advance in the amount of 200 rubles. 50 rubles are credited to the clients account, and the remainder remains on the balance of the Contact system as payment for identification services.

After a short check of the provided data, as well as their full compliance with legal requirements, the status of the wallet in the users personal account changes to "identified". After that, RBK Money cards become available, as well as all the advantages of the identified wallet.

Simplified version of identified wallet

RBKM clients can get an identified wallet in a simplified way. According to the legislation, such a wallet can be used to transfer funds to foreign counterparties, for example, a casino. The identification procedure provides for filling out a special form on the official website of the payment service, which includes contact information and personal data of the user. This does not require documentary confirmation of the identity of the client.

Funding methods

Today the RBK Money system offers several main ways to replenish an electronic wallet in the network and in the traditional offline mode.

Replenishment using MasterCard and VISA. You can deposit money to your RBK account using a traditional card, as well as a virtual analogue. The number of top-ups in this way should not exceed more than six payments per day.
Bank transfer, payment for which requires Russian citizenship. The term for crediting funds is up to 5 days. The commission is charged in accordance with the banks tariff policy.
Russian Post. Through a postal order, the duration of receipt of funds is 3 days. If you have a terminal, money is received instantly.
Self-service terminals. To replenish the account, you must specify the wallet number (the letters "RU" are not entered). Some terminals do not provide transfers. There is no commission for replenishment.
Mobile offices Euroset, Svyaznoy and others allow you to replenish RBK Money cards instantly and without commission.
Internet banking. Using this method, you can top up your wallet for no more than 15 thousand rubles. The list of banks that cooperate with RBK Money can be found on the official PS portal.
Using ATMs. Payment is carried out without a commission, and the money goes to the wallet instantly.

Withdrawal of funds: up to 10 thousand rubles withdrawal without commission

RBKM system offers withdrawal of funds that have not been used by the user. Money is withdrawn in two ways:

to a bank account;
on the card.
In the first case, the money is returned from the RBK Money electronic wallet to the clients account number. You must first specify the details of the financial institution. Money in accordance with the terms of the PS is credited to the account within 5 business days.

The conditions for withdrawing funds to the card are similar. Moreover, in both cases there is a limit on the amount, the withdrawal of which is carried out without a commission, namely 10 thousand rubles (for 30 days). When refunding funds in excess of 10 thousand rubles, the RBK Money payment system charges a commission.

PS RBKM: tariffs for individuals, business

When returning funds from individuals over 10 thousand rubles, the system charges a commission of 2.95%.

For business, the payment service offers a number of tariff offers, namely: "Basic". The tariff offers free services in the form of no monthly fee for receiving transfers and providing reports confirming the receipt of funds by the client. The withdrawal (refund) of the bank card funds is carried out free of charge.
RBK Money commission for receiving funds from individuals is 3.9%. "Do Good". Provided to non-profit organizations that carry out charitable activities. The tariff offers services similar to the "Basic" tariff plan, with the exception of a reduced interest rate for transfers from individuals to 2.5%.
"Travel". The tariff can be used by a client who accepts funds for the purchase of passenger air tickets. When transferring funds from individuals using bank cards, the commission for payments is 2.4%. Refunds are free of charge.
RBK Card. Provides a commission for transfers from individuals in the amount of 2.9%. A prerequisite for the tariff is the use of an RBK Money card from which funds will be received in favor of the client.
"ZhKU". The tariff is designed specifically for customers who operate in the field of housing and communal services. The tariff has a minimum commission of 1.9%. A prerequisite is the receipt of funds for payment of utility bills. In all other cases, a 2.9% commission applies.
"Individual". It is developed on the basis of an agreement concluded between the NCO and the client.

Advantages of PS RBKM for the retail sector

The RBK Money payment system puts the main emphasis on cooperation with trade objects. Online stores that use payment services increase the security of their payments. One of the features of the system is that payments are irrevocable. That is, the risk of fraud is minimized. An important role in this is played by the PCI DSS international security standard, which the payment platform complies with.

Stores are able to accept payments received from the most common payment systems: Visa and MasterCard. The commission is 3.9%. At each level of the transfer, you can monitor transactions and track the required payment. It also simplifies bookkeeping. Stores that operate offline get similar benefits.

RBKM system security

The multilevel protection system RBK Money reliably protects the clients funds. This is confirmed by double passwords, which are used separately for logging in and confirming payments. The user has the ability to independently restrict access to the electronic wallet of the payment system by controlling the IP address. The PS complies with the PCI DSS international security standards, has protection against fraud and charge backs.

The Eleksnet company, which first announced itself in 2000, became the first Russian service that provides instant payments through its own ATM network. Currently, the service company allows customers to make money transfers for various purposes and pay for purchases using electronic payment systems.

As of March 2016, the number of payment service ATMs exceeded 4,200 units that operate within a centralized system and are located in 50 regions of the country. A feature of the payment system is the interaction of the companys information processing center with the software of the largest Russian mobile operators in real time. Due to this, money through the terminals "Eleksnet" and other methods of transferring funds immediately goes to the users personal account.

Funds receipt guarantees

Clients of the service can be sure of the reliability of the receipt of funds to the subscribers account. Guarantees for the safety of funds are provided by the joint-stock company NCO Mosklyringtsentr, which has the status of a credit institution, and operates on the basis of the license of the Central Bank of the Russian Federation dated 06.03.2015 No. 3314-K. All money transfers through terminals are made on behalf of the joint stock company.

For the convenience of users, “Eleksnet” terminals, most of which are open 24 hours a day, are located in places of the greatest concentration of people: metro, educational institutions, cafes, shopping centers, supermarkets, gas stations. On the official website, you can use an interactive card that will help you find the nearest ATM.

Services of the company: "Mobile Payment Beeline"

The service is available to all users of mobile devices, regardless of the phone model. The client has the ability to pay for any services from his smartphone account. Using the service allows you to pay loans and transfer money to bank accounts without leaving your home. Payments are made using a secure protocol and do not require prior registration from the user.

In order to replenish the account "Eleksnet" bank, you need to go to the official website, open the category "Payment via the Internet" and select the required financial institution. After entering the bank details and selecting the Beeline account that will be used as payment, you must confirm the transaction using an SMS message.

Loan payment

With the help of the Eleksnet wallet, you can pay off the loan without commission. To do this, the service offers two ways:

through the nearest terminal;
using a wallet (internet).
As of July 2016, the payment service offers the following banks to pay off the loan without commission:

"Bank Zenith"
Tinkoff Bank
Yar-Bank
MDM-Bank
Tatfondbank;
"Collection agency" Phoenix "
Dexia Bank
"Bank Education"
"BinBank KKB"
Citibank
Sovcombank.
Some bank accounts are credited instantly.

Auto payment from MTS company

Users of the mobile operator MTS have the opportunity to replenish their personal account balance through the Eleksnet wallet in automatic mode. For this, the client sets a certain threshold amount, upon reaching which funds will be automatically credited to the phone account. The service can be connected to any phone numbers and operates 24 hours a day. The connection can be used by legal entities and individuals.

Money transfers, payment for goods

To use the options for transferring funds or paying for purchases, you must select one of the options:

use terminals "Eleksnet";
electronic wallet on the service website.
Payment via ATM is carried out after selecting the appropriate category. Depending on the type of service, you may need to enter the contract number, phone number or other combination of numbers. The commission for transferring funds at terminals in different regions of Russia may differ. You can also use your wallet to pay. At the same time, the commission for using the service will be lower than when transferring funds using the terminal.

Receiving funds in the global network

Thanks to the Eleksnet platform, users can receive money from visitors to Internet portals. To do this, a special payment system code is installed on the page of a blog, forum or social network (if possible), which will be displayed as a link or button. With this tool, each visitor will be able to transfer funds to the owner of the resource.

The service is aimed at individuals who are involved in organizational matters, charity, collective purchases. Such "Eleksnet" bank on the site operates 24 hours a day, accepts money instantly and from any financial institution of the Russian Federation. Transfer fee is 0%.

Payment for parking services in Moscow

To pay for parking space services in the capital, you can use any terminal in the capital region or an electronic wallet.

Payment via ATM is carried out in the menu "Payment for services", category "Transport". The personal identifier is a telephone number. Payment with an electronic wallet is made in the "Pay online" category.

Replenishment of the Strelka card account

The Strelka card is an electronic means of payment designed to pay for public transport services in a non-cash form. Residents of the Moscow region have the opportunity to use the card on the public transport of the Mostransavto enterprise. The card is accepted by hundreds of commercial carriers, as well as more than five thousand Mostransavto buses.

Passengers who use a transport card and are users of the "Eleksnet" bank system have the opportunity to replenish their personal account without commission. To top up the balance, you must specify the card number, which includes 11 digits, and confirm the payment. The amount of the deposited funds can vary from one penny to five thousand rubles.

Methods of replenishing the "Eleksnet" wallet

To replenish your e-wallet, you can use VISA and MasterCard bank cards of any financial institution. When using the services of some banks, the replenishment commission is not charged. List of banks:

"Russian standard"
Gazprombank
"AK BARS Bank"
"VTB 24"
VTB Bank of Moscow.
When funding an account from other banks, the commission is 1.7%. Without commission, the balance can be replenished through the Internet bank, terminals and ATMs, Euroset mobile shops.

"Notebook" - a convenient service to save time

The service is intended for the convenience of system users in the process of working with terminals. The personal menu allows you to save the data that you use most often in the system memory. Due to this, the terminals "Eleksnet" after authorization of the client offer to carry out the transfer according to the saved template.

What are the benefits?

The system user does not need to enter the details every time, look for the numbers of contracts and receipts. Errors when entering a number are eliminated. There is no need to scroll through the terminal services menu: the user starts working directly in his menu.

As additional amenities, the following should be highlighted:

making money transfers through contactless cards;
the ability to view the history of transactions;
the possibility of replenishing mobile services without a commission.
Regular customers of the Eleksnet payment platform take part in advertising offers. As of 2016, the system has more than 400 thousand notebooks.

System security

Using an electronic wallet is absolutely safe: in addition to the password intended for authorization in the system, the implementation of each payment is accompanied by the introduction of a payment password. In the "Configuration and Management" category, the user can change their passwords. Nevertheless, the client should adhere to the rules for storing the password, and also change it periodically, avoiding the uniformity of the sequence of characters. Even employees of the Eleksnet company have no right to know the password.

To recover a lost password, you must use your e-mail and mobile phone number. When making payments, it is recommended to use a secure https connection. The security of the connection can be verified directly in the browser line: the portal identifier located to the left of the address should be represented as a green padlock.

You should carefully follow the links that offer authorization in connection with blocking, receiving a reward or drawing bonuses. Thus, fraudsters try to lure the user to a pirated service page, from which passwords and other confidential information are read. Licensed antivirus software will help protect your computer and personal data. Elecsnet uses two domain addresses in the global network: elecsnet.ru and 1.elecsnet.ru.

Contact Information

The official website of the company is http://elecsnet.ru/.
Email - [email protected].
Support service (in Moscow) - (499) 322-76-71.
24-hour support service - (495) 787-29-64.

How did the bank develop .

..BinBank started its activities two decades ago. All this time the company has been steadily developing, attracting more and more new banks.

In autumn 2008, the Bank became part of Bashinvestbank, which in the winter of 2013 became a branch of BinBank. A year later, the company acquired Moscomprivatbank (at that time it was the leader in the credit card market).

Binbank management has developed a strategy aimed at expanding its retail business. To implement this idea, a deal was made with the former owners of Moscomprivatbank (the Banking Supervision Committee of the Bank of the Russian Federation gave permission to carry out this operation). From that moment on, Moscomprivatbank was given the name "Binbank Credit Cards": a new direction in the companys activity was developing - issuing credit cards.

The geography of the company is expanding

In 2014, Asokerco Trading Limited (its beneficial owner is M. Shishkhanov, the holder of a large block of shares in Binbank) buys DNB Bank in Murmansk. In the same year, transactions were made to acquire five more financial institutions of the Rost banking network. The situation of these enterprises was difficult, and BinBank took up their "recovery".

Later, the company acquired several more banks: Yekaterinburg Uralprivatbank; GC Europlan (this company was the leader in the field of car leasing), Carcade (the company was a federal leasing operator), as well as a controlling stake in MDM Bank.

Today BinBank is one of the largest universal banks. It occupies a large part of the banking market in Russia and consistently holds a leading position, being one of the thirty major credit institutions in the Russian Federation.

Bank clients:

individuals;
small and medium-sized businesses;
large corporate clients.
The companys branches are located in more than 100 cities of the country. The banks management continues to work to expand its geographical presence.

BinBank products

BinBank offers its clients a wide range of products:

lending services (long-term, short-term lending to projects, loans for the purchase of goods and payment for services, etc.);
leasing;
deposits with interest accrual;
provision of settlement and cash services;
servicing clients involved in foreign economic activity (paperwork, currency transfers, financing of foreign trade operations);
remote service (Internet and SMS banking);
execution of transactions with letters of credit in national currency;
salary projects;
insurance.

Remote service: iBank2
BinBank offers clients who value their time to use the multifunctional and convenient iBank2 service. With its help, you can control the state of the bank account, carry out financial transactions. The latest electronic technologies with a coding system are incorporated into the work of Internet banking.

What opportunities does iBank2 open to users?
First of all, with its help, you can get access to personal bank accounts from anywhere in the world (the main condition is a good Internet connection). Users regularly receive information about the state of the account: when performing any operation (for example, crediting or withdrawing funds), the client receives a notification.

The interface is easy to use. Developers offer templates with which documents are drawn up quickly: just select the required field from the pop-up lists, following the instructions, fill out the document and send it to the bank. iBank2 is directly related to the bank: all issues can be resolved through the Internet banking service.

Another plus of iBank2 - all transactions and payment documents are concentrated in one place: a client can easily find the document he needs without leaving his office.

IBank2 advantages:

safety;
simplicity;
availability.
the ability to use for bitcoin exchanges.
To connect to the iBank2 Internet banking system, a client needs to order one of the packages:

"Basic" - assumes connection to iBank2 + transfer of single-use passwords using SMS;
“Complete” - connection to iBank2 + protection of electronic signature + transfer of single-use passwords by SMS.

Mobile acquiring
For the comfort of its clients, BinBank specialists have launched an acquiring service, which can be used to make non-cash payments using MasterCard or Visa cards through the mPOS mobile terminal. You can pay for purchases and services from anywhere in the world.

By installing the 2can - mPos application on your tablet computer or smartphone, you can synchronize the work of mobile terminals. To make a payment, you need to insert a bank card into the terminals card reader and sign right on the screen of your mobile phone. A receipt will be sent to your email address.

Another feature of BinBanks mobile acquiring is that it can be synchronized with a mobile cash register by connecting it to a fiscal printer for printing receipts.

In their personal online account, users receive notifications about trading operations that were performed using the application.

Electronic signature protection
BinBank provides another type of service that adds comfort to users. It is a USB token designed to protect electronic signatures. The USB token generates a secret password that no one can ever read. Electronic signature is generated on a SIM-card, which is embedded in a USB-token. This system maximally protects the money stored in the bank account from intruders.

USB token is a paid service. Its cost is 1,500 rubles. To activate the service, you need to do the following:

fill out the acceptance and delivery certificate (you can download it on the official website of the bank) and transfer it to the companys employees;
register ES passwords on your work computer;
submit to the BinBank branch a certificate allowing verification of e-signature passwords.

Forex trading
Using the services of BinBank, you can exchange, for example, rubles for foreign currency and vice versa. Customers can purchase US dollars, euros, Swiss francs, pounds sterling, Chinese yuan.

You can make the conversion profitably with a loyal customer card. BinBank offers two such cards:

STANDARD CARD - exchanging cash in the amount of $ 5,000 or more, the cardholder receives a discount of 5 kopecks for every dollar.
STANDARD CARD - when exchanging cash in the amount of $ 50,000, the cardholder receives a discount of 10 kopecks for every dollar.
To get such a discount card, you need to take several steps.

Action 1. Exchange more than $ 5,000 in cash in one of the Binbank branches.

Step 2. Ask the cashier for the form of the card recipients questionnaire (the questionnaire can also be downloaded on the banks official website) and fill it out.

Action 3. Exchange the questionnaire for a discount card.

Bank customers can also exchange funds from their accounts for cryptocurrency. To do this, you need to use special exchange services: BinBank is on the lists of the most popular currency exchanges.

Lending services
BinBank offers its clients a wide range of lending services. Individuals and legal entities, representatives of large and small businesses can get loans here.

Requirements for the identity of the borrower:

The borrower must be a citizen of Russia, whose age corresponds to the range of 21-65 years (amounts over 500,000 rubles are issued to persons over 25 years old).
Loans are issued to people who have a permanent place of work (experience of at least 4 months, and if the loan amount is 1 million rubles or more, then the experience must be at least a year).
The borrower must have a good credit history.
To start applying for a loan, you must submit an application. This can be done at a bank branch or on the compans website. The credit commission will review the application and communicate its decision.

You can repay the loan through self-service terminals (both in cash and with a plastic card), in the offices of BinBank, through iBank2 or in branches of any other banking networks.

Types of loans:

lending to state employees, as well as bank partners;
payroll loans;
loans for new clients;
refinancing of loans received from third-party financial structures;
credit restructuring;
collateral-based lending;
mortgage loans.
BinBank provides its clients with the opportunity to find out about their credit history and receive information about the timing of a loan, view the schedule of their repayment, find out whether there have been delays and current debt.

You need to know your credit history in order to understand why, for example, a loan was refused. In addition, a person can see if he has become a victim of malefactors who, using his data, issued a loan in his name. Errors in paying debts can also occur due to human factors or server failure.

Securing loan commitments
To secure their credit obligations, the borrower must provide guarantees. This can be a pledge (securities, movable and immovable property, material assets, property rights, etc.), a security deposit or a surety.

The opportunity to earn on interest
In BinBank you can very profitably invest your funds. The company offers several types of deposits.

"Maximum interest". The deposited funds generate the maximum return. The client can decide on the term of the deposit independently.
"Income monthly". Thanks to this deposit, the depositor can feel like a rentier (a person who lives on income). Interest is calculated monthly and credited to a separate account. If you wish, you can issue a monthly capitalization. There is an opportunity to replenish the deposit, while the interest rate will increase. You can close the deposit at any time.
"Fixed balances". You can replenish the deposit and withdraw the required amount from it at any convenient time. Interest is calculated monthly.
"Money box". The deposit can be replenished as soon as temporarily free money appears. This can be done both in cash and with the help of non-cash transfers. Interest is charged on the balance on a monthly basis (6.5% per annum). You can withdraw any amount at any time.
"Multicurrency deposit". Clients can invest money simultaneously in several types of currencies (rubles, US dollars, euros), while regularly converting funds (no conversion fee is charged). Interest is not the only source of income. The depositor can also make money on fluctuations in the exchange rate.
"Contributions to the Future". Deposit insurance allows you to feel confident in the future. The deposit rate is 12% per annum. This contribution allows you to insure life and health and save money for the implementation of long-term plans.
"Pension". To apply for this deposit, it is necessary to write a statement in the Pension Fund stating that the pension is transferred to an account in BinBank. Interest is accrued on the balance, the Decent Pension deposit is automatically replenished.

Plastic cards
Binbakn issues several types of plastic cards. These are credit, income, salary, pension cards. With their help, you can make purchases, pay for services and save money.

Interest is charged on the balance of income cards. The cards are linked to the VISA, MASTERCARD payment systems. By paying for purchases with a card, the client receives bonuses. No commission fee is charged for intra-bank transfers.

Volet has been operating in the financial market for over two decades. During this time, the management and employees of the company managed to create a universal online payment system. The service provides users with a huge number of services related to currency exchange, money withdrawal, payment for goods, etc.

Using the Volet system, you can quickly and profitably replenish your account or, conversely, withdraw money, wherever you are in the world. Money transfers in Volet are much cheaper than similar operations in ordinary banks. Volet payment cards make it possible to withdraw funds from electronic wallets and withdraw money from ATMs.

What is Volet service? One system combines electronic money and a payment platform. The companys clients convert currencies (electronic money exchange), withdraw them not only to a plastic Volet card, but also to cards of such popular worldwide payment systems as Visa, MasterCard.

The companys management is working to expand the service capabilities. New projects are being developed to create multifunctional applications for mobile computers (tablets and smartphones with iOS and Android operating systems). Applications will make the use of the service more comfortable.

Exchange operations in the Volet payment system

Volet is a convenient currency with high liquidity. Using exchange services, the client can replenish his account in the system in the most convenient and familiar way for him, withdraw funds or convert them into fiat (dollars, rubles, euros) currency or cryptocurrency (for example, Bitcoin).

To make an exchange, you need to complete an online application. To do this, you must fill out a form providing the required information.

The partners of the system are the most popular banks with the "Internet banking" service, for example, you can top up your account via the Internet (Sberbank on Volet).

Electronic wallet in Volet

Electronic wallets in the Volet payment system have a convenient interface. The wallet owner can view the history of financial transactions. This is necessary in order to take into account the consumption of funds stored in an electronic account.

The client can independently configure security by choosing the desired and convenient parameters. Transfers within the service are carried out free of charge, which makes the Volet electronic wallet not only convenient, but also cost-effective.

Money from the wallet to payment cards is credited instantly. One profile can store 4 types of currencies.

Volet payment cards and their benefits

What does the Volet bank payment card give? The cardholder gets the right to profitably pay for purchases in online stores, withdraw cash from an ATM, paying a small commission.

Among the advantages of the Volet bank card are the following:

low registration cost (to open a card, you need to pay only $ 7);
card service is free;
you can withdraw money in dollars at ATMs;
the commission for withdrawing funds is fixed - the main difference from other payment systems and banks (no matter what amount the client withdraws, he will pay $ 2 of a commission, not interest);
when paying for purchases and services through the terminal, users of the Volet system do not pay a commission;
you can withdraw up to 3 thousand dollars per day at ATMs, and up to 10 thousand at terminals;
the card is valid for three years.
You can replenish funds stored in accounts in Volet through any electronic exchanger: Perfect Money, Yandex Money, WebMoney, etc.

When paying with an Volet bank card for purchases in online stores, system clients do not pay a commission. This is especially beneficial and convenient for those people who prefer virtual points of sale.

Those who make money in electronic payment systems cannot do without Volet plastic cards. This is especially true for people who often have to travel abroad. Lets look at a standard scheme for withdrawing money from EPS.

Funds with EPS are exchanged for rubles and withdrawn to a bank account.
Cash is withdrawn from a bank card (in rubles).
Cash rubles are exchanged for cash in dollars at a real exchange office.
At each stage, you have to pay a commission + currency exchange rates in land-based exchangers are not very profitable.

With the Volet card, the scheme is simplified, accordingly, the commission fees are reduced.

Money from EPS is transferred to the Volet card.
Cash in dollars is withdrawn through ATMs in any country in the world.

How to register in the Volet payment system?

You can register in the Volet payment system on the organizations official website. By clicking the "Create an account" button, the user opens a form, the fields of which must be filled in. The prospective client needs to provide the following information:

login and password (they are needed to log into your account and perform banking operations);
E-mail address;
phone number;
surname, name, patronymic (real);
residential address (plastic card is sent by mail).
After the client has registered, his data is verified (checking the account for the authenticity and correctness of the clients data). To go through this procedure, you need to send an application and copies of some documents (civil passport (first pages), a receipt for payment of utility bills (the address of residence indicated on it must be readable)). The verification procedure takes no more than three hours.

How to open a bank card Volet?

To open a bank card, the client needs to click the "Create card" button.

The company offers two types of documents:

plastic;
virtual.
You need to pay $ 1 for a virtual card, and a plastic one will cost $ 7.

Having made his choice, the user presses the button "Order a plastic card". Next, in the drop-down list, you need to select the delivery method. It is better to use regular mail services (the cheapest way of sending).

When the card finds its owner, it must be activated. You need to do this through your account by entering the card number in a special column. By calling one of the telephone numbers listed on the companys website, the client gets access to the card in the form of a PIN code.

Plastic documents Volet are available not only to citizens of the Russian Federation, but also to residents of neighboring countries: Ukraine, Belarus, Kazakhstan, etc.

Volet security system

Volet clients can independently configure the security system of their account, protecting it with an "impregnable rock" from scammers and intruders.

You can protect your profile using SMS authorization, payment code (password), code card, a special USB-Token device that generates passwords, or by linking your personal account to an IP address. For the security system to work smoothly, experts recommend using at least three methods.

Volet and affiliate programs

Volet payment service provides its clients with the opportunity to earn. This can be done by attracting other users who will register by clicking on affiliate links. The clients account is credited with 20% of the commission, which is charged as a result of payment transactions carried out by his referrals.

About tariffs

Volet does not offer users a very wide variety of tariff plans. There are only two of them:

"Business";
"Private".
You dont need to pay money to open both. Financial transactions that are carried out within the system will also be free (but only for registered users).

The difference between the "Business" tariff plan is that bank accounts are replenished through the SWIFT system, and no commission is charged. Using this tariff, customers have the right to accept online payments on various sites, as well as to make payments to several people at the same time (for example, partners or customers) in an automatic way.

Banking fees

Especially advantageous are the tariffs that the Volet payment system offers to its customers when carrying out transactions with cards. To open a card account, you need to pay a small fee: for a plastic one - $ 7, for a virtual one - $ 1. The service is completely free.

If you need to top up your account (both with a plastic MasterCard and with a virtual card), the user will pay a flat fee, which is only $ 0.99. When withdrawing cash in foreign currency through ATMs, customers pay a commission of $ 1.99. The fee for withdrawing money to the card is not less than $ 1.

There are times when it becomes necessary to re-issue a plastic card (for example, in case of loss). Then you have to pay $ 10. The operation of closing a card account will cost the user $ 15.

Benefits can also be derived from such banking operations as depositing or withdrawing funds, exchanging electronic currencies, transferring money to an account in any bank or to cards of such payment systems as Visa or MasterCard.

To make an instant international money transfer, you need to pay a commission fee: 1% of the transfer amount + $ 6.99. For those who opened a business account, the commission will be significantly lower (0.5% of the transfer amount + $ 6.99).

The fees for replenishment of accounts using cryptocurrencies differ (depending on the type of electronic money). It ranges from 50 cents to 5% of the total. When transferring money from the Volet system, for example, to Yandex Money, no fee is charged (the transfer is carried out instantly).

Main features of the Volet payment system

The Volet company is registered in Belize (this is one of the states of Central America). Therefore, the service cannot be controlled by either Russian tax inspectorates or similar bodies from other countries of the former CIS. Despite this, there is no need to doubt the honesty of the payment system: it is legal and transparent. The company operates on a legal basis: all documents are legally executed correctly, and nothing threatens the safety of user accounts.
If we compare the rates and fees of Volet with those offered by other systems of this kind, then we can confidently say that this is one of the most profitable services.
Security is organized at a professional level (PCI DSS Level 3).
All transactions are carried out instantly.
Volet is licensed to conduct the most popular types of payments online (International Financial Services license).
Electronic wallets of this payment system are multicurrency. Clients can store (deposit and withdraw) 4 types of fiat currencies (US dollars, Russian rubles, pounds sterling and euros).
The account is equipped with a comfortable interface, which even a child can understand.
Volet users can get a dollar-denominated plastic card and withdraw cash from ATMs in American currency.
POS payments with a virtual card, which is also in dollars, are made without a commission.
The companys clients can get an online consultation on the use of the system.

Volet Partners

Volet payment system partners are companies that develop new technologies in the field of security and processing of financial transactions.

Protectimus protects accounts and bank accounts from hacking. This company is the guarantor of the safety of users funds.
Thanks to the Interkassa service, the system of payment for goods and services on the Internet is simplified.
IDchecker provides verification of official documents and identification of clients.
Bitpay helps process Bitcoin payments.
Volet cooperates with such exchange offices as Changer.com, 24paybanks, Internetmoney, Exchange.cc, Changex.

In the modern world, Internet technologies are becoming more and more popular. This primarily applies to cryptocurrencies, especially Bitcoin. Financial analysts are confident that Bitcoin will soon acquire the scale of a global currency that will have no borders: the cryptocurrency is easy to use, it is not controlled by government agencies. In the famous Silicon Valley (USA), billions of dollars are invested in the development of bitcoin exchanges, the largest trading networks are attracted.

One of the online platforms that specialize in the exchange of fiat currencies (dollars, rubles, etc.) for bitcoin online is BTC. This exchange was founded in 2011. It developed so rapidly that in just a few years the service became one of the largest cryptocurrency exchangers in the world: in terms of the exchange of dollars for bitcoin, BTC-e takes the third position, and in terms of exchanging rubles for bitcoin - the first place. Over 10 thousand bitcoins are carried out here per day.

Some financial Internet publications say that the BTC-e uses the services of third-party banks, one of which is located in the Czech Republic. The company is registered in Bulgaria, and the head office is located on the island of Cyprus. The founders of the enterprise are programmers from Russia. It should be noted that there is no information on the registration of the company on the exchange website, and the legal jurisdiction is also not indicated.

There have been some unpleasant moments in the history of the exchange: twice the exchange was hacked by hackers. But this did not affect the clients in any way: in both cases, the exchange returned the money.

The position of the Russian authorities in relation to WEX (ВТС-е)

The official position of the Russian authorities towards military-technical cooperation (and towards bitcoin in principle) has not been determined. Officials have not yet made a clear decision. However, in January 2016, Roskomnadzor added the BTC-e exchange to the “black list”. The reason was the somewhat dubious decision of the Nevyanovsk city court (Sverdlovsk region). However, no one officially forbade the exchange to work. Since no one canceled the mirrors, after 3 hours the exchange became available again from Russian IP addresses on the .nz domain
Therefore, any user can easily exchange btc-e for banks or rubles.

Main features of WEX
Trading through the MT 4 terminal

BTC-e provides its clients with the opportunity to carry out trading operations using the MT 4 terminal. This feature is the main advantage of the exchange, since MT 4 is one of the most popular and effective platforms for automatic trading.

What opportunities does the terminal provide? With its help, trading operations are performed, programs for automatic trading are created and used, market dynamics are analyzed.

Trading with PAM accounts

You can also trade on the exchange using PAM accounts. This greatly simplifies making money on the races of the cryptocurrency rate. If the client does not have time to track the course, read analytical articles and understand the peculiarities of trading, then he can use the strategy of one of the experienced traders (providers).

This is beneficial for the provider as well: he will be able to earn not only on bitcoin trading, but also on his experience and knowledge. To do this, the trader must open an offer, indicating the amount of the offer and remuneration in it.

Internal codes: transfer of funds without commission

The internal BTC code allows the exchange clients to transfer their funds (both in fiat currency - dollars, rubles, euros, and in cryptocurrency) to other exchanger accounts or receive funds from third-party users. You can also send money to other services (if there is a need to change bitcoin to any electronic currency, or you can use our electronic money exchanger). In this case, no commission is charged.

Attention! You must make sure that the BTC code is not known to anyone, except for the person to whose account the funds will be transferred. Otherwise, you can become a victim of scammers. If an attacker received the codes, the exchange will not be able to liquidate the transaction or return the funds stolen from the account.

To create a BTC code, you must do the following:

enter your profile on the exchange;
click on the "finance" button;
choose a currency;
press the "withdraw" button;
select the BTC code from the drop-down list (or create a new one).
You can withdraw from 1 cent (kopeck) or from 1 cryptocurrency coin.

To replenish your account in the BTC, you must follow the following algorithm:

log into your profile;
click the "finance" button;
enter the BTC code and click on the Redeem button.
The money will be instantly credited to the users account.

Ability to work on Android

To earn more money, you need to constantly monitor the exchange rate and not miss the opportunity to profitably sell or buy currency. But it is simply impossible to sit at the computer 24 hours a day! And here phones or tablet computers with the Android operating system come to the rescue. By installing a special application on his mobile phone, the client will be able to view exchange chats, stay in touch with partners and friends, and keep abreast of everything that happens at the auction.

To work with VTS-e on Android, the following programs are recommended:

BTC-e.com Trader Client (fast, stylish and convenient program, which includes all service currency pairs);
BTC-e client (using this application, clients conduct trading operations);
BTC-e Assist (this program allows you to trade on BTC-e, receive notifications, view chat and news, and register multiple accounts).
All programs have a Russian interface.

Admission to an account on the BTC-e exchange

To get into his profile on the exchange, the user must enter the login and password that were used when registering the account.

If a client creates obstacles in the operation of the service or violates the rules of the exchange, his account is automatically blocked. The profile cannot be restored.

What is an order

All exchange operations on the BTC-e exchange are carried out on the basis of orders. These are documents that confirm the users desire to carry out an exchange operation. The order stipulates the conditions under which the trades should take place, the type and number of title units are indicated.

The order indicates its direction, volume, the amount of the insurance premium. Only if all these details are available, the order will be registered on the service.

Orders are valid until the moment when trading operations are performed on them (except for those cases when traders cancel the order).

You can submit an order from any device with Internet Explorer installed (or any other Internet browser).

A trader can withdraw (withdraw) or change those orders that have been registered, however, operations on them have not yet been performed. To do this, the user must enter the appropriate orders using special interfaces.

How transactions are made on the BTC

The user registers an order to exchange money on the exchange. The exchange equivalent set by the client is automatically adjusted.

Absolutely all trading operations are carried out on the basis of orders that were submitted by users of the service. An order is a kind of trading management act: operations are carried out according to the conditions specified in the order. Clients can change order parameters (if it is stipulated in the conditions).

How is trading on the BTC-e exchange carried out

To start a trading operation, a client must place an order specifying a specific currency value. The exchange must be completed within a certain period of time. If the transaction did not take place, the funds are returned to the users account (with a commission charged) or the cryptocurrency is sold at the rate that is currently offered.

To complete a transaction, confirmation from the administration of the service is required, which comes within 60 minutes. During this time, significant fluctuations in the rate may occur.

The basic principle of cryptocurrency trading (as well as any other commodity) is to buy cheap and sell dear.

Insurance (security) premium

Exchange users pay insurance premiums. This is necessary in order to guarantee the fulfillment of obligations on orders that were placed by traders to exchange currencies. Clients transfer money to the BTC-e account, while the user independently sets the amount of the insurance premium.

The exchange will refund the security deposit to the client if:

the user will withdraw the submitted order (part of the funds for which the order has not yet started is returned);
the order has expired, and the interests of all participants in the exchange operation are satisfied (in this case, the insurance premium will be returned to the client in full).

About safety

Bitcoin is a secure technology based on privacy and data encryption. The funds that the user deposited into his account in the BTC are safe: the money is saved in the wallet files on the clients personal computer. It must be remembered that these files must be hidden from unauthorized persons.

If the scammers nevertheless managed to somehow get access to the account, the client can use the functionality of confirming the withdrawal of funds via email. After the functionality is confirmed and its work is verified, notifications of transactions will be sent to the email address. The administration of the exchange recommends using different passwords to enter the mailbox and the BTC-e profile. It is also worth using the gmail.com mail service, which provides two-factor authentication.

The service does not provide any information on the transactions of its customers to outsiders. It happens that third parties require the support service to suspend the admission of any of the users to participate in auctions and make transactions, motivating this, for example, with claims against this user. However, claims made by outsiders are not grounds for limiting the rights of the account owner.

The main advantages of the BTC-e exchange

The fact that the popularity of the BTC-e exchange is growing every minute is not surprising, because the trading platform has undeniable advantages:

currency exchange operations are carried out automatically (it is thanks to this that customers can get the maximum benefit when concluding a transaction);
API is available for all currencies;
cryptocurrency is entered and withdrawn instantly;
money is withdrawn within three days;
the interface is available in both English and Russian;
the service supports various ways to fund an account (via bank transfer, through any payment system, cryptocurrency and even cash).

How to transfer or withdraw funds from the BTC-e account

To replenish an account on the BTC-e exchange, the user must have a certain amount of money (rubles, dollars or euros). Electronic money in systems such as OkPay, QIWI, Payeer is also suitable. You can also exchange dollars for Bitcoin from the Perfect Money system (Perfect Money to Bitcoin).

The client can sell his BTC codes, and transfer cash to a card of a Russian or, for example, a Ukrainian bank: Sberbank, Alfabank (Russia), Privatbank, Oschadbank (Ukraine) and others.

To carry out a quick and profitable exchange of fiat currencies for Bitcoin, you need to use the services of an exchanger.

The fastest account replenishment is e-currency deposits: such transactions are carried out instantly. In the case of bank transfers, sometimes you have to wait up to seven business days.

To withdraw funds to a bank card, you need to exchange the cryptocurrency for fiat money. And you can send funds to a bank account by following the prompts and instructions, providing information about the amount to be withdrawn and bank details.

When depositing and withdrawing funds, a commission is charged (from 2 to 6%), which is calculated automatically. By clicking the "Exchange" button, the client agrees with the final amount.