In recent years, electronic systems of payment for goods and services have become increasingly popular among residents of Russia. The most popular payment systems today are QIWI wallet, WebMoney and Yandex. Money. What are the pros and cons of these companies, recognized leaders of the domestic market for online payments.
VISA QIWI Wallet
QIWI payment terminals began to appear en masse in Russia since 2004. This electronic payment service has won many fans. It provides an opportunity not only for individuals, but also for companies to make instant payments for their goods and services.
Advantages of the QIWI payment system:
- Complete absence of commissions for financial transactions within the system.
- Possibility of obtaining a bank and electronic VISA card.
- There is an opportunity to combine QIWI wallet with other payment systems, which allows you to make purchases in stores that do not cooperate with Russian online payment systems.
- High quality software for mobile devices.
Disadvantages of the QIWI payment system:
- Quite a low level of security in comparison with other payment systems. Here, the confirmation of the transaction is the SMS password that is sent to the mobile phone number associated with the wallet.
- You cannot replenish your QIWI account using Sberbank online.
- For most transactions, there is a limit on the maximum payment amount for non-identified users.
- Multiple system failures. There were cases when delays in the receipt of funds to the account lasted for several days.
- The "Inactive user" status is assigned to all those who have not used the wallet for six months. Every day, a kind of fine in the amount of 10 rubles per day is debited from his account.
Yandex money
This company entered the market in 2002. With the help of this payment system, you can make and receive payments, as well as make transfers to a bank account.
Yandex. Money works only with rubles, but it is possible to transfer to another currency at the rate set within the system.
The owner of the Yandex. Money e-wallet can only be an individual. For legal entities, connection to this system occurs through other services of the company.
On a mobile device, you can install a program that allows you to use your account without opening a wallet through the company's website.
Advantages of the Yandex. Money payment system:
- A very simple registration procedure and an intuitive program interface.
- You can issue an electronic or plastic MasterCard.
- An electronic wallet is not tied to a single computer or device.
- In case of password loss or damage to program files, it is possible to restore the system and return money to the account as soon as possible.
- All funds in the Yandex. Money system are guaranteed by real money reserves held in the largest Russian banks.
- In the event of an error in making a payment, the money is always returned to the account, and does not disappear without a trace.
Disadvantages of the Yandex. Money payment system:
- The system can only be used by individuals.
- High commissions.
- Lack of support for foreign currencies.
- There are many known cases of blocking wallets.
WebMoney
This online payment system appeared back in 1998. Here, special signs are used as payment, which nominally are not money, therefore this payment system is not officially registered in Russia.
The system works with many world currencies, which are marked with special signs (for example, WMR, WMZ, etc.)
The registration procedure is rather complicated, but depending on the information you provide, the service will provide you with the appropriate certificate. The higher the level of your certificate, the more possibilities of the system are open to you.
Advantages of the WebMoney payment system:
- This is perhaps the most common payment system. You can pay with WM in almost any store.
- Highest level of security.
- The ability to work with many world currencies, you can even open a wallet with gold.
- Huge cash withdrawal opportunities.
Disadvantages of the WebMoney payment system:
- Quite a complicated registration procedure.
- Sophisticated wallet unlocking system.
- Difficulties were noticed when transferring funds from a wallet to a bank card.
- The user provides the service with a lot of personal information.
- On the part of users, some dissatisfaction with the quality of the technical support of the system is known.
