The most modern way to pay for goods and services via the Internet is electronic money. To start using virtual money, you need to open an electronic wallet, that is, an account, in one of the payment systems. Each system has its own advantages and disadvantages. Considering the main goals and objectives of the electronic wallet, you can make the right choice.
Electronic money is widely used in online stores. You can pay for your purchase from any virtual system. However, you must take into account the fact that a commission may be charged for transferring money upon purchase. Therefore, it will be more profitable to register in the payment system in which there is no commission. The same applies to payments for utilities, traffic fines, Internet, television and other services.
The most popular electronic wallets in Russia are: WebMoney, Yandex Money, QIWI, Rapida. You can make purchases not only in Russia, but also abroad. And in order to be able to shop anywhere in the world, you should register with the Paypal payment system.
To make payments on the Internet, you need to put money on the wallet, that is, make a replenishment of your electronic account. The most affordable way to recharge is a payment terminal or ATM. You can transfer money to an electronic wallet from a bank card or from a mobile phone. For the execution of this operation, a commission is taken, a certain percentage of the transfer amount. Give preference to the payment system in which the commission is minimal or none at all. For example, you can replenish your QIWI wallet account without commission in any QIWI terminal. Paying for purchases and services on the Internet should be not only convenient, but also profitable.
Electronic money is paid to people who work remotely. The choice of an e-wallet should be based on the nature and type of online business. The most common payment system for making money is WebMoney. To receive payments from Google Adsense, you must register with Rapida.
If you can put money on the wallet, then there is a way to withdraw it. Any virtual system provides for the withdrawal of electronic money to a bank card. Getting money without losing your own funds will not work. Withdrawal fees are substantial and often consist of a fixed amount plus a percentage of the transfer amount. Withdrawing money unnecessarily is not worth it. The accumulated funds should be used effectively. As a rule, a mobile phone account is linked to each e-wallet. Therefore, you can transfer electronic money to your phone without commission. You can turn virtual money into real money with minimal losses by studying the features of each payment system.
Before registering an e-wallet, you should decide what types of e-currency you will use to do business online or pay for purchases on the Internet. The universal payment system includes WebMoney, in which you can open several accounts and use not only rubles, but also dollars, euros and other national currencies.
The advantages of an electronic wallet include the ability to instantly make transfers and receive virtual money anywhere in the world. You can transfer money not only within one system, but also to any other payment system. For exchanging money from one system for banknotes of another, a certain percentage of the transfer amount is charged. But you can transfer money within the same system without commissions.
Modern electronic systems can be used not only by ordinary users, but also by fraudsters. Therefore, do not forget about caution and observe basic security measures - install an anti-virus program, use a complex password, and also do not tell anyone the login and password for access to electronic wallets.
It would be wrong to say that one payment system is better and the other worse. It all depends on the specific requirements and tasks. Perhaps for effective work on the Internet, one wallet will not be enough and you will have to get two, or maybe three types of electronic money.
