Electronic payment systems have become a very dense part of our lives. It is so convenient for us to pay for services or goods via the Internet that we have long considered this the norm. But until recently it was just a fantasy. The world of high technologies, electronic wallets and electronic money have made this completely normal, even mundane and our new reality.

With the development of trade and the service sector, methods, rules and entire educational disciplines of successful sales arose and improved for our society. It is no longer news that in this industry, the buyer will get any whim for his money. Even the most tricky and unimaginable requests come true if they are worthily paid. Mentioning payment, everything is organized for the convenience of the buyer and seller. Today we have a huge number of options for how to pay for your order, product, service, and much more that comes into use.

One of these options are already well-known and active electronic payment systems.

What is EPS (electronic payment systems)

From the very name of this service comes a fairly clear understanding that an electronic payment system is a system organized to pay for services through online services, programs, cards that allows you to transfer money to an account immediately, without actions with banknotes.

It is believed that the emergence of electronic money circulation directly affects the evolution of money, the development of a culture of money and their activity. Developing as a type of monetary payment, EPS have already proven themselves on the positive side. Many organizations and enterprises have chosen the electronic payment method for themselves, not to mention Internet services in which this payment system is the main one.

The history of the development of electronic payment systems

1871 can be considered the year of birth of electronic payment systems. It was then that the already well-known Western Union company made the world's first electronic money transfer. Of course, it is definitely impossible to call it electronic, since it was carried out using telegraphic messages. Since then, Western Union has been successfully using its invention. But not only this company has adopted this type of money turnover.

In 1980, the already modernized system was used by a Dutch company whose goal was to create a reliable and fast payment system. Such reliability was achieved by the company operating with debt obligations. This company was called eCash, its founder was David Chaum, a Dutch analyst who modernized the Western Union system.

One such company, which is considered one of the first and oldest in electronic payment systems, is E-Gold. Having started its march in electronic money matters, it quite loudly and successfully became bankrupt, and its management was convicted of fraud.

In 1998, electronic payment systems first appear in Russia. Represents EPS in Russia Pay Cash. This electronic system got its start as a joint project of three Russian companies: the Tavrichesky bank, the ALCOR company and the Aerospace Equipment Corporation.

And already in 1999, the well-known WebMoney appeared, which still dominates the market of electronic payment systems.

The year 2002 was just as important for the development of EPS, since that year an agreement was signed on the creation of the RUpay system. The importance lies in the fact that the agreement was concluded between Russian and Ukrainian programmers.

Today we can say that the main engine for the development of electronic payment systems is the development of communications: Internet technologies, mobile services and banking.

What is electronic money

With the advent and the beginning of active use in the world of electronic payment systems, concepts related to this process begin to appear. One such concept is electronic money.

Electronic money- a certain monetary equivalent of the user of the payment system, which is recorded and stored on an electronic medium in electronic form. Used for online payment, transfers, payments.

This payment instrument has its own varieties:

• Based on smart cards. Such cards are directly linked to bank accounts and represent a certain amount that the card user manages. The most famous payment systems based on this base are: Visa cash, ecash, proton. Such systems allow you to pay for Internet purchases, store money in several currencies, and telephone communication can be used to control this system. But this method is not perfectly safe, since it is simply impossible to keep track of the legality of all operations.
• Network based. For the electronic system of such cash flow, it is necessary to install a specific program. Such programs are free and with the development of the capabilities of mobile devices, mobile applications of such systems have also been created. Basically, network-based EPS is chosen by users dealing with making money on the Internet, purchasing goods through online stores, or firms that want to expand the forms of accepting payments for their services.
• There are also other classifications of electronic money, which determine the type of anonymity, state and non-state form, and so on.

Electronic payment systems in Russia

In Russia, payment systems have found wide distribution and are very tightly integrated into our lives. We also pay for services and goods via the Internet using various electronic wallets.

We list the main payment systems and wallets used in Russia:

1. WebMoney
2. Qiwi wallet
3. Yandex money
4. PayPal
5. payeer
6. Rapida
7. perfect money
8. Okpay
9. Liqpay
10. AdvCash
11. bitcoin
12. Z payment
13. RBK Money

Of course, there are other payment systems in Russia, we have only listed the main ones.

Popular Russian payment systems

Consider the most popular Russian electronic systems:

Electronic payment system WebMoney

WebMoney distributed in Russia and neighboring countries. This program requires mandatory registration with the provision of a photocopy of a passport to receive, without which you will not be able to fully operate your capital.

After registering and receiving a certificate, electronic wallets of various currencies will be available to you, which will have an identification number, which will be the main information for transferring funds to it. With the help of this system, you can pay for services, make payments, make exchange transactions.

You will be offered 4 options for managing your funds in WebMoney Keeper: mobile, mini, light, classic. You choose the one that suits you best in terms of parameters.

The undoubted advantage of the WebMoney e-wallet is its versatility, namely the ability to transfer and pay for goods and services in various currencies. The most popular wallets in WebMoney:

• WMR - Russian rubles
• WMZ - American dollars
• WME - euro
• WMB - Belarusian rubles
• WMU - Ukrainian hryvnia

Since the system has a huge audience of users, there are practically no problems with paying in the Internet space with its help. She also has an extensive list of companies, shops and government agencies that support payments via WebMoney.

The advantage is the ability to withdraw funds in several ways that will be offered by the system.

For the security of deposits and withdrawals, the system is programmed to automatically block your account. This point, having studied user reviews, is not always adequate and sometimes wallets are blocked for no apparent reason and without explanation from those support.

Electronic payment system Qiwi

Life path of the payment system Qiwi goes back to 2006, when its name was still “Mobile Wallet”. Subsequently, the name was changed in 2010.

Now "QIWI Wallet" firmly holds the first position among users. It should also be noted that Qiwi has won the recognition of customers in 22 countries around the world. This system is considered one of the most flexible and mobile, providing diverse services.

This is a justified opinion, since Qiwi today allows you to deposit and withdraw funds in several different ways, it also offers a large list of payment for services and purchases. In addition, low commissions for transfers and the possibility of making payments via SMS are undoubtedly attractive.

Among other advantages, in the Qiwi service, you will find a convenient “reminder” that will notify you in advance about making the necessary payment. The interface of the site and the mobile application will please both, here everything is accessible and understandable even for a beginner. A system that offers a service for issuing a virtual or plastic card.

One of the disadvantages of Qiwi is the inability to enter a payment in the amount of more than 15 thousand at a time. The inconvenience lies in the partial input of funds. Qiwi has as its goal the work of the user only within the system, so any withdrawal of funds outside the limits will be problematic and subject to a high percentage. Plus, there have been numerous complaints about the annoying advertising of partners, which regularly comes to you.

Electronic payment system Yandex money

Yandex money recognized as one of the most universal PS (payment systems) in Russia. It is chosen by those who make money using the Internet and those who choose online shopping and pay for services online.

The Yandex-money payment system offers a choice of two options for working - these are:

• Yandex. Wallet - you can get into this wallet directly through the Yandex money website. That is, you can access it from any computer.
• Internet. A wallet is a program that is installed on a computer or mobile device.

You can choose one or start both, they are not connected in any way and may have a different balance. You also need to understand that their registration is also different, so you can’t use the input data of one wallet to get into another.

Yandex money has all the same advantages as other PSs, but besides, there is an easier registration procedure and a more convenient option for working with the system (Yandex wallet, Internet wallet)

As for the minuses, everything is more serious here, firstly, the system does not recognize manipulations with any other currency except rubles. Secondly, legal entities have nothing to do here. Only individuals are allowed to manage their capital in this system. In addition, there is no anonymity (request for passport data during registration) and a high commission for withdrawing funds.

All of the above, however, does not prevent Yandex Money from remaining in the top three most popular and selected payment systems.

Electronic payment systems in China

Now, more than ever, the issue of forming a complete and correct understanding of China's electronic payment systems is acute, since now everyone who is at least somehow interested in this and has free time is offered to build an Internet business with China. Marketplaces of Chinese industrialists attract Russian customers, firstly, with their variety of goods, and secondly, with their price. In order to make a purchase, you need to get to know the main leaders of China's EPS, so as not to become victims of cyber charlatans.

So, today, reliable and profitable in terms of the range of services provided by electronic payment systems in China can be considered:

Alipay

Alipay(China's largest and most famous payment system) was created in 1999 and was supposed to be an intermediary between money manipulations between two other companies, but in 2004, already confident in these matters, the development group proposed to create their own PS.

According to many users, the company offers really favorable conditions for cooperation: registration is free, no interest on withdrawals. True, there are some limits on the withdrawal of funds, which you will definitely be acquainted with during registration.

The well-known platform Aliexpress cooperates with Alipay and creates a special version of the Ali wallet, for more affordable payment for goods from this site and other sites with the Alibaba Group.

tenpay

You can start right away with the minuses of this payment system, since there are enough of them, but this system does not shine with pluses or differences. So, the first and main minus that left a negative aftertaste is the problem of registration. Requirements and restrictions on the entered characters, moreover, it cannot be said that the choice of this system will be justified if your goal is to pay for purchases, with the same success, but more accessible, you will complete a transaction on Alipay.

The only people who will choose this system for themselves are those who like to play Chinese online games. QQ-money is needed there. Here I can give you advice: find a Chinese. 🙂 If you are not strong in Chinese, then you cannot do without his help. It sounds surprising, but in China, this PS is ranked second in terms of rating.

UnionPay

UnionPay was founded in 2002 as a national payment system, which remains, to this day, the only state-owned PS, with the support of the Central Bank of China. First of all, it must be said that the system is more coordinated for the issuance of plastic cards than for the circulation of money based on networks.

In Russia, UnionPay was first seen in 2007. Holders of such cards in Russia are allowed to pay for Internet services and purchases, to cash out funds. It is more difficult with entering money on the card: this is prohibited at the legislative level. But together with Russian banks, work is underway to resolve the issue and allow Russian banks to service card data.

In 2013, UnionPay became a Russian payment system, as evidenced by its entry into the register of Russian payment systems.

As for the development of a system based on networks, it is, but not as successful as compared to plastic cards.

payEase

payEase- a large payment system in China, which works only with legal entities. In 2014 it was recognized as the most popular. PayEase cooperates with the world's largest organizations. It has established itself as a reliable, safe, transaction-friendly company. The company has a certificate of a qualified service provider from VISA, has developed platforms for carrying out its activities in many countries of the world.

These were the largest and most famous for their reliability, adequacy and speed, payment systems in China. Smaller companies do not differ in any other range of services offered and working conditions.

Types of electronic payment systems

There are two main types of EPS:

• Credit systems
• Debit systems

The first systems imply money management via the Internet and through credit cards. A credit card in this case is considered an element of personal account management. You choose a more affordable and convenient option for managing electronic money.

Debit systems are an electronic version of paper checks and banknotes. In fact, this is the prescribed obligation of the payer to transfer to the account of his bank.

Electronic checks differ from paper ones a little:

• Your signature will be electronic
• The issuance of the check will also be in electronic format.

There is a procedure for making a payment using an electronic check:

1. Issuing an electronic check and verifying it with an electronic signature.
2. Sending a check to the recipient with blocking the checking account with the bank's public key (done for the security of the operation).
3. Acceptance of the PS check and checking it and your signature for authenticity.
4. After authentication, the operation ends with the delivery of the goods to the recipient and the transfer of money to the seller.

Electronic money is also an analogue of paper banknotes, but in electronic form. They can also pay for goods and services.

Advantages and disadvantages of payment systems

Today, in times of technological progress, electronic payment systems have taken a leading position and seriously compete with paper payments. Millions of people around the world already know about the convenience and reliability of EPS, and that is why more and more people choose this type of capital management, preferring it to any other.

Here are the main advantages, thanks to which electronic payment systems have taken a strong position in the business of money circulation:

1. The ability to make payments, transfers and other monetary manipulations without banknotes.
2. The speed of money transfers and other money transactions is many times greater than the already obsolete postal orders and bank transfers.
3. You can make money transactions without leaving your home. Such accessibility is explained by the fact that literally in a matter of minutes, the user can go through a simple registration in any PS convenient to him and start working.
4. The security of these payment systems has already proven its reliability. Special bindings to phone numbers, identification through a password request and communication with a computer. If you follow the rules prescribed by the system, then you will not be affected by cyber-scammers, unscrupulous buyers or payers.
5. In comparison with ATMs and banks, paying for services through payment systems is much more profitable, since in no PS the commission fees exceed 1% of the total payment amount.
6. The system itself keeps statistics of your debit and credit for you. You will always be aware of the injections of money into the account and their expenditure. This rather convenient statistics is present in certain sections in all software without exception and in your personal PS accounts.

Of course, electronic payment systems have their drawbacks, which, however, do not prevent them from developing and being the most chosen payment option.

1. No guarantees. Since the founders of the EPS are private organizations, it is impossible to talk about 100% certainty of the legality of actions on the part of the administration of the system.
2. You need to be a confident Internet user. Without an Internet connection, these systems in most cases do not work. But, is it really such a minus, in our age of Internet technologies, when most aspects of our life are already connected, one way or another, with the Internet.
3. In some cases, to get a complete list of tools for managing your wallet, you will need to enter personal data: TIN, passport data. Using this data, the state tax office can have access to all information on your accounts.

Electronic payment systems are constantly improving, expanding their capabilities and starting cooperation with new companies. Therefore, today, low popularity and a limited range of services and purchases with payment through EPS cannot be called a significant drawback. But at the moment there is a negative moment of the scarcity of the list of EPS partners.

conclusions

Today, the World Wide Web offers us not only an information flow, but the provision of real services and goods, which is why electronic payment systems have become so popular today.

1. Established internet business
2. Ease of payment for services and online shopping
3. Clear control of your budget
4. Safe storage of funds (small amounts)

Nowadays, electronic payment systems have not yet reached full recognition and continue to develop. It is expected that financial institutions in the future will bet on such payment systems and thereby set in motion even greater innovations in the field of EPS.

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Electronic payment systems updated: February 7, 2018 by: admin

5.3. Modern electronic payment systems in Russia and abroad

The market of international payment systems is formed by several major players. The structure of the systems is different, so they receive profit from different sources.

International electronic payment systems.

– Check Free – . Today, PayPal is available in 190 countries, has over 153 million registered users and supports 24 different currencies.

The beginning of the system operation is 1999. The owner of the system is PayPal Inc. (USA, San Jose), since 2002 PayPal has been a division of eBay.

The PayPal system is the simplest and safest means of transferring and receiving money resources on the Internet. PayPal allows you to choose the most convenient and optimal payment method, including using credit cards, bank accounts, PayPal Smart Connect or the balance of funds on wallets, while maintaining the confidentiality of financial information.

Registration of new users in the PayPal system is free of charge, for this you need to fill out a special form on the official website, indicating the following data: email address, password, full name, date of birth, detailed data on the place of residence, data on a plastic card (the card is linked optional and available as an option).

Benefits of the PayPal payment system, which allowed it to occupy a leading position in the sector of electronic settlements:

– globality (making payments within most countries of the world);

– simplicity and high speed of payments;

– security (high level of data encryption; complete confidentiality of data transferred to PayPal; protection of user accounts; modern methods of fraud prevention; customer protection);

– the most common payment method on eBay (90% of sellers on eBay accept payment only through PayPal; additional services for sellers and buyers from PayPal);

- automatic currency exchange (the conversion center can be directly PayPal or the banking institution of the sender of the payment);

– transactions only with “real” money.

Literally recently, residents of Russia and Ukraine have been able to receive funds to their accounts in the PayPal system, however, their conclusion is still available only through US banks.

Registration in PayPal for Russians was opened only in 2006.

Some time ago, PayPal added support for new currencies. In addition to US Dollars, Australian Dollars, Euros, Pounds Sterling, Canadian Dollars, Japanese Yen and Chinese Yuan, the service now handles Czech Koruna, Danish Krone, Hong Kong Dollar, Hungarian Forint, New Zealand Dollar, Polish Zloty, Norwegian Krone, Singapore Dollar, Swedish Krona and the Swiss franc. The project website has a multilingual platform that supports the following languages: English, Spanish, French, Chinese, Russian.

The PayPal payment system is significantly different from other electronic payment services in that it deals with real money, and not "title units". PayPal offers a financial tool by which a plastic credit card or bank account is linked to a user's PayPal account, so that at any time you can directly replenish your balance in the system or withdraw money from it.

PayPal has revolutionized the world of mobile technology by making instant payments using a mobile phone (PayPal Mobile Payments) a reality. Users who have connected this service can make payments via SMS without even going to the PayPal website. To do this, just send a text like “Send $20 to [user ID]” to the specified number, dial the confirmation code, and the payment will be sent immediately. However, this is currently only available to US residents.

checkfree.

Check Free is the most used electronic payment system today, due to its inclusion in the standard package of CompuServe and AOL (the largest Internet providers in the world), The system makes payments via the Internet using credit cards and digital cash.

The CheckFree electronic payment system is especially convenient where a check is suitable for settlements, that is, in almost all cases. It is especially convenient to make regular payments, for electricity, for gas, for example, etc. However, due to the cost of this service (there are various payment schemes, on average, however, it is about 30 cents per transaction, i.e. check) is not suitable for micropayments.

Micropayments (online) with digital cash and credit card payments are possible with the CheckFree Wallet, a joint development with CyberCash. The secrecy of customer and credit card data is guaranteed using strong public (very long) key encryption algorithms, however, the transactions themselves are not anonymous and the bank and merchant have information about the customer's purchases and thus can track the customer's preferences.

CheckFree, founded in 1981 in Columbus, Ohio, has been a pioneer in the use of electronic payment by check.

In September 1995, CheckFree offered CheckFree Payment Services, an electronic check service over the Internet (Figure 16). At the request of the client, this service issues an electronic check and performs settlements between the buyer and the seller. If necessary, the seller may be issued a paper check.

In addition to CheckFree's own proprietary computer program, the system can be used with other financial software products, including Intuit's Quicken application.

First virtual.

First Virtual- this is practically the first electronic payment system on the Internet. The First Virtual company began offering its services for paying for goods (information) back in October 1994. By the standards of the Internet, this is a very long time. The features of First Virtual are:

- the system does not use encryption of information at all, instead, information sensitive to the client is transmitted once by phone and never via the Internet;

- the system allows you to receive a service, information or other goods before paying for them;

- messages are exchanged via E-mail (in other systems, the client does not even notice this exchange, so everything happens automatically using the WWW exchange protocols).

The distribution of risk for system participants is somewhat skewed in favor of the buyer, who can first get acquainted with the information and only then pay, while the seller constantly risks not receiving payment. First Virtual is not responsible for the refusal to pay for the goods. Therefore, it is not recommended to use this system for selling physical goods, which also require payment for shipping, and the system is more suitable for distributing information or goods in digital form. It will not be possible to endlessly exploit the trust of sellers to the client, since after a series of refusals to pay for the information received, such a client will be excluded from the system.

As for the security of the system, even if someone manages to intercept the client's email, the maximum that can be extracted from it is the product description. Banking and other personal information of the client is not sent over the Internet at all to First Virtual (during registration, it is transferred once using the touch dial of a regular phone), so the system is ideal for people suffering from the paranoia of "lack of security on the Internet." And if the client's password is somehow intercepted and used for the purchase, the client will simply reject her payment and ask him to change it. The last one will be the seller, who in this case risks not getting paid for the information provided.

The cost of registration for the buyer is $2, for the seller $10, who also pays 29 cents and 2% for each transaction. For an additional 8%, First Virtual will provide the merchant with an InfoHaus system to automatically track orders, pay, and distribute information.

Web Money Transfer.

WebMoney Transfer is an international electronic payment system and a platform for doing business on the Internet. It was founded in 1998. Within the framework of the system, users open electronic "wallets" in various currencies - Russian ruble, US dollar, euro, Ukrainian hryvnia, Belarusian ruble, Uzbek sums, and in gold equivalent. The system is non-banking. Management of the movement of electronic money is carried out by users using a client program or using a web interface.

As of the beginning of 2012, the number of active users of the system amounted to 16 million people.

The range of application of the system is very wide - from paying utility bills to ordering groceries at home. To make payments through the electronic payment system WebMoney Transfer, you must have funds in your wallet. You can replenish the wallet by converting real money into electronic money (by purchasing a payment card or using a regular transfer from a bank card), or by transferring from another user's electronic wallet.

Also, you can withdraw funds from the WebMoney electronic wallet, for example, by transferring them to a bank card or transferring money to another user as payment for services, loans or just as a gift. The WebMoney system has a WebMoney.Cards service that allows you to link a bank card of any bank to an electronic wallet, as well as order a new card of foreign issuers:

– PaySpark MasterCard;

– PaySpark China UnionPay;

– Payoneer MasterCard;

– T24 PayVault VISA.

Cards of foreign issuers are intended for withdrawing funds from WebMoney electronic purses at ATMs, replenished only through a WebMoney purse.

Characteristics of modern Russian electronic payment systems.

The electronic payment systems operating in Russia can be roughly divided into four categories:

1) traditional card systems;

2) payment gateways;

3) digital cash systems;

4) mobile payment systems.

The simplest electronic payment systems are card systems, the main element in which is a bank card. To pay for goods or services, a special page opens on the seller's website, on which the buyer indicates the details of his card. The data is transferred to the bank serving the seller, and then through the processing center they go to the buyer's bank to debit the agreed amount from the buyer's card account. Card electronic payment systems operate with ordinary bank cards when paying for goods and services on the Internet. It should be noted that another method of payment on the Internet is widespread - using prepaid virtual debit cards.

Payment systems of the second type - gateways– integrate various types of EPS and service providers, including card EPS, digital cash systems, etc., providing a single interface for payment in a single system. Payment gateways do not form and maintain virtual accounts, but only process (process) transfers (transactions). Internet banks are a kind of payment gateways that allow you to exchange, store and credit funds to your account by a regular bank transfer, manage your account via the Internet, and withdraw money from a regular ATM.

The systems of the third type are digital cash systems– EPS, which issue their own currency of a certain denomination, which can be cashed out according to the established exchange rate of the system. Digital cash operators as opposed to payment gateways open and lead virtual accounts in one of the internal conditional currencies of the system. These accounts are commonly referred to as user wallets (e-wallet). Each wallet has a unique number, just like a bank account number. EPS of this type include Yandex. Money, WebMoney, RBK Money, MoneyMail, etc.

Mobile banking involves managing a bank account using a mobile phone as a means of identifying the owner of the bank account. When making payment transactions, the funds in the bank account are used. Mobile payments involve making a payment using a mobile phone. Thus, the mobile phone can be used as an electronic wallet. In general, mobile payments today are one of the strategic goals for the development of electronic payment systems.

Currently, quite a lot of electronic payment systems are used on the Russian Internet, although not all of them are widely used. Characteristically, almost all Western payment systems used in Runet are tied to credit cards. Some of them, such as PayPal, officially refuse to work with clients from Russia.

The following electronic payment systems are most widely used today:

In addition, there are other electronic payment systems, such as:

– QIWI, United System of Instant Payments;

– QIWI Wallet;

– Yandex. Money;

– WebMoney Transfer;

– RBK Money (former RUpay)

– [email protected];

- Rapida;

– Eleksnet;

– Comepay and others.

Processing centers are represented by the following players:

Russian electronic payment systems.

– CyberPlat – . 63.7% of CJSC shares are owned by the management of Qiwi, a little more than 20% are owned by the Mail.ru group, and 15% are owned by the Mitsui conglomerate. The company was founded in 2004. Subsequently, from year to year, the turnover of the payment processing company increased.

QIWI terminals (owned by CJSC OSMP) accept all kinds of payments: services of mobile and Internet providers, satellite and cable TV, transfer of funds to electronic payment systems.

In 2008, according to NAUET estimates, OSMP held more than 33% of the instant payment market. The total number of payment points amounted to 100,000.

In the middle of the same year, the company became part of the OE Investments holding, which owns the E-port payment system, the Direct Contact advertising agency, and the Mobile Koleshek electronic payment provider.

In the summer of 2009, the press reported that OSMP was merging with the E-port payment system into OSMP CJSC - the largest company for receiving funds for making instant payments in Russia was formed.

QIWI Wallet.

Officially, the Mobile Wallet payment system was launched in June 2006, however, the period of its commercial operation began only in September of the same year. The system is included in the same group of companies as OSMP, Multi Kassa, X-PAY, UPAY, etc. We are talking about Master Management Company. The legal space of the QIWI Wallet system is the Russian Federation.

Currency QIWI Wallet.

For settlements in the system, the electronic currency Mobile Wallet RUB (abbreviation: MWRUB, code: 130) is used, the equivalent of Russian rubles.

Registration in the "QIWI Wallet" system becomes possible only after the conclusion of the Service Agreement, which is carried out by accepting the Public Offer on the system website. After that, the future user of the payment system needs to perform the following actions:

– Install on your mobile device the QIWI Wallet Java application, the distribution package of which is located at wap.qiwi.ru/, pda.qiwi.ru/

– Confirm your acceptance of the terms of the Offer by selecting the appropriate item in the QIWI Wallet Java application.

– Specify your mobile device number belonging to the SIM card of the mobile operator. In the future, the specified number (containing the country code, def-code of the operator and the actual telephone number of the individual) will be used as a permanent user login in the system.

– Receive an SMS message to the specified subscriber number and enter the received registration confirmation code into the Java application.

Independently determine the pin code, which will later be used to launch a Java application and perform essential operations in the system. The PIN code must consist of numbers from 0 to 9 and be at least four characters long.

After the user performs all the listed actions, the QIWI Wallet payment system registers him with the specified authentication data. Based on the results of registration, the user is assigned an account. The user account number is a unique combination of 10 digits, which is displayed in the software client interface in the upper left corner.

Before you can use the services of the system, you need to complete a couple of steps. Namely: load the configuration of service providers into the application on the phone and replenish the balance of your virtual account in the system.

After registration and making an advance payment, the Agreement between the payment system and the user is considered concluded. This means that the user has fully familiarized himself with the conditions for the provision of services and the operation of the system, and also recognizes its unconditional suitability for fulfilling his payment obligations.

Deposit and withdrawal of money in QIWI Wallet.

There are several ways top up your account in the "QIWI Wallet" system:

– Through payment acceptance points and self-service machines of OSMP, and moneygram. Compared to traditional transfers, they provide faster and more secure payments. At the same time, they have a number of significant drawbacks, the main of which is the high cost of their services, reaching up to 10% of the transfer amount. Another drawback is that these systems cannot legally be used to systematically accept payments for goods.

However, for those who just want to send money to relatives and friends, it makes sense to turn their attention to these systems, as well as to their domestic counterparts ( Anelik and Contact). So far, neither Paycash nor Webmoney is able to compete with them, since it is not possible to get cash by pulling it out of an electronic wallet somewhere in Australia or Germany. EPS Rapida declares such a possibility, but so far there are no details on the site, and the geography of the system's offices cannot be compared with systems already on the market.

Owners of electronic stores, apparently, should think first of all about accepting money from credit cards and electronic cash systems - Webmoney and Paycash. In terms of the combination of consumer characteristics, in our opinion, none of the systems for accepting payments from credit cards on the Russian market can compete with CyberPlat. All other systems are subject to optional use, especially if you remember that the same E-port does not have to be installed separately, since its cards are serviced by CyberPlat.

Among the Russian card systems, after STB and Union Card, the most noticeable on the market are Zolotaya Korona, Sbercard (Sberbank), Universal Card and ICB-card (Promstroybank), as well as the ACCORD card / Bashcard already mentioned above . The "ICB-card" is handled by a couple of small acquiring companies, the acceptance of payments via the Internet from the "Golden Crown" and "Sbercard" cards is supposedly provided directly by the issuers and / or companies associated with them, and in the case of the Universal Card, it seems not provided by anyone.