Many of us are gradually moving from real to the virtual world. It is convenient to buy, sell and earn here. In the vastness of the network, there are many electronic payment systems, the so-called wallets, which are rapidly developing, trying to meet all the needs and desires of their customers. Few of the users may be surprised by the opportunity to make purchases, pay for services, exchange one currency for another, and even take loans while sitting at a computer monitor. Moreover, all these operations take just a few minutes, and are much cheaper than the same in real life.
Similar electronic payment systems (wallets) have issued their own plastic cards for the comfort of their customers. With their help, you can not only make payments both in the real world and on the Internet, but also cash out funds. The conditions for their use, of course, are different and it is quite difficult for a simple man in the street, far from banking subtleties, to decide which card and which payment system will be most convenient for him and will not bring unnecessary trouble. To help active participants in the financial life of the World Wide Web, I made a detailed review of several cards and a superficial comparative analysis.
Payment card from Yandex. Money wallet
The Yandex. Money payment system card is a plastic medium of the Gold Master Card (premium) class, which has many advantages over others, for example, unlimited use and support anywhere in the world, various bonuses and privileges. You can get it by filling out the appropriate form on the system's website. The card comes out on a plastic carrier, is personalized, embossed (with the name of the owner in the form of embossing on the front side), has a chip and a magnetic stripe. The issuer of the Yandex. Money card is Tinkoff Credit Systems CJSC. Its main plus is not only the Gold status, but also the fact that its release and maintenance will not cost the user anything. You will only need to pay for delivery, which costs 149 rubles for Russians, and 199 rubles for residents of other countries of the world.
The validity period of the Yandex. Money card is 3 years, the currency is our native Russian ruble. An identified user of the Yandex electronic payment system will be able to receive the pin code of his card by simply calling the support service, using the free number indicated on the website or following the prompts in his personal account. Plastic media is the ability to withdraw funds from a card account (wallet) at an ATM. The commission for performing such an operation is no less than 15 rubles + 3% of the amount, but not less than 100 rubles. This can be considered as a rather significant disadvantage, but the possibilities that the card opens up for the user significantly outweigh the bar of the scales.
Money Mail.ru
The payment card of the Dengi Mail.ru system, like the Yandex card, has the Gold status and is a product of the same Tinkoff Credit Systems CJSC. The terms of use are practically the same as those of the Yandex card system, but the payment for delivery is much lower - from 139 to 169 rubles. You can use the card from Money Mail.ru wherever Master Card is accepted for payment. A significant disadvantage is the ability to receive a PIN code only once, and if it is forgotten or lost, the user will have to change the card. Notifications about all transactions are sent to the cardholder's phone in the form of an SMS-message or an e-mail, and the service is provided, again, completely free of charge. If you have any questions, you can contact the technical support service by calling the toll-free number at any time of the day. The system does not take a commission for all operations, but it ranges from 0.5% to 3.5% of the amount. The cost of dispensing cash from an ATM is 3% + 15 rubles, but not less than 100 rubles, as in the case of a Yandex. Money system card.
The conditions for using such cards from electronic payment systems are, in fact, almost the same. In an attempt to keep the client with a variety of services provided, Internet wallet systems try to offer the best conditions, the most interesting design and processing times. And such a zealous desire to imitate the banking system of plastic cards as accurately as possible is due, first of all, to the goal of keeping the income from commission fees only for oneself, without sharing it with the bank. In simple terms for most ordinary holders of such cards, so as not to release a single penny from the system.
