What is the "WebMoney", what features, what's different from other payment systems
Why it makes sense to find yourself WebMoney-purse? Although, if only because in the world is one of the most popular payment systems, and the calculations it carried out in several currencies, so it no doubt can be attributed to international. So, what's her features?
The company itself was founded in 1998, so that the "test of time" it has already passed, without a doubt. From a purely legal point of view, within the system it seeks not money, but the so-called titular characters - special units, each of which assumes ownership of certain assets. But if you do not go into the legal details, we can say that the title units systems - are electronic analogs of world currencies (including the hryvnia, rubles, dollars, euros, etc.) that you can freely convert in both directions, that is, to enter the real money and bring them back.
Distinctive features of the system are as follows:
- You can create an anonymous account, but its powers are severely limited. To fully use the system, you need to go through the verification (to confirm the identity).
- Inside your account you can create an unlimited number of unique purses, each of which will be kept its own currency. Transfers are made only between purses of the same currency.
- The Commission undertakes for each transaction, there are limits on the transfer of funds.
- When suspicion of illegal operations funds in the account may be frozen pending clarification of the circumstances.
- Disputes Arbitration decides, the user answers questions support service.
- To protect the identification used by SMS, a pair of "login and password" on the digital certificate. You can include a special E-num-authorization.
- The system integrates with the banks and other payment systems, but not all.
In terms of safety and ease of use, the system "WebMoney" far from perfect. However, WebMoney-money accepted the vast majority of online stores, with their help, transactions between parties in different countries, with a different level. Due to its mass and the lack of alternative systems with the same set of characteristics direct competitors "WebMoney" no.
How to open the wallet, how to register, which wallets exist, what "keeper" to use
The system WebMoney Registration is quite easy: just follow the instructions. Legal persons registered as described online order for individuals to perform quite a few steps:
- Enter the phone number. For some time in the "WebMoney" You can make an account by using an account on a social network instead of entering a phone number.
- Enter personal information.
- Confirm the entered number and create a password.
Can go on the site www.webmoney.ru, and the webmoney.ua, and any other of the related domains. You can also enter the name of the system in a search engine - the desired site will stand out on request.
Thus, the creation of an account do not have to spend a lot of time, and that's a plus. Each user is assigned a unique WMID - identification number. Change can not be - it is retained by the owner.
Using the interface that appears immediately after the registration, you can create a WebMoney purse for different currencies (or rather, title characters):
- American dollars — WMZ;
- Russian Ruble — WMR;
- Ukrainian hryvnia — WMU;
- Euros — WME;
- Belarusian rubles — WMB;
- Kazakh tenge — WMK;
- Gold — WMG;
- Bitcoins — WMX.
Manage your account, perform various transactions, obtain information on accounts and transactions, the user can through the service WebMoney Keeper. There are several types of "keepers", including:
- WebMoney Mini (Standard) - the base web service, which is available immediately after registration, works in most browsers, including mobile;
- WebMoney Light (WebPro) - an enhanced version of the Web interface, working in different browsers;
- WebMoney Classic (WinPro) - application for users of PCs and laptops with the operating system Windows, requires a separate installation;
- WebMoney Mobile - as you might guess, is designed for mobile devices (there are versions for systems iOS, Android, Windows Mobile, and Java-based applications);
- "Keepers" for social networks - applications that can be set for the account in the networks "VKontakte", "Odnoklasniki", Facebook.
The user can assign different identification methods at its own discretion:
- The certificate is considered to be the most reliable of them, but it must be stored on the device through which the input.
- A pair of "login-password" is convenient, but you can forget the password to the same simple password resistant to cracking.
- When using the E-num-user receives the authorization code request and shall enter the number of the answer. It is available in the SMS-message or using an application E-num (there are versions for different devices).
In practice, users tend to use different input methods and different ways of authentication. You can download WebMoney «keeper» correct version and test it to make a decision.
What is the certificate of "WebMoney", which certificates are, how to get a certificate
To prevent the illegal operations and financial instability, the rules imply the presence of each participant certificate - a confirmed and recognized in the whole system of evidence that gives certain powers. The user who decided to create a WebMoney-account immediately receives a certificate and then can change it according to the rules of the system.
- Alias passport - issued after registration. The entered information is not verified, that is, in theory, create an account could anyone. The powers are minimal.
- Initial passport - issued after verification of personal data. It is necessary to download a digital copy (scan) an identity document and wait until the data are reconciled. The procedure is free of charge. The powers are broader.
- Formal passport - issued free of charge, is an extended version of the initial (wider limits, you can use the additional services the system in a restricted mode that publish news and so on).
- Personal certificate - the highest for "mere mortals" level. You can accept payments through the online store, to lend, to participate in the affiliate program and dispose of additional privileges. Holders of such certificates are entitled to issue a formal certificate.
To obtain a certificate WebMoney-specific category, you must meet certain criteria:
- Merchant - for persons engaged in trade and business.
- Passport Capitaller - for those wishing to participate in the system of transactions
- Passport calculation machine - for organizations that provide calculations within the system.
- Developer Certificate - for specialists.
- Registrar passport - gives authority to the arbitrator, the right to issue a personal certificate, and a host of other privileges. It is intended for people willing to engage in the registration of new members as the main activity.
- Passport service - issued services that cooperate with "WebMoney".
- Certificate of GARANT - issued to owners of funds that provide capital for operations.
- Operator Certificate - currently owned by WM Transfer Ltd.
Run in the WebMoney-wallet in, you can improve the existing diploma. For a simple system participant who wants to expand the powers, it is important to know about the key procedures - verification of personal data. To do this, select the Tools menu "Assessment", go to the procedure for obtaining a certificate, download a copy of the passport and wait until it will pass inspection (typically takes a day or two). If all goes well, the level of the certificate will be automatically upgraded to the initial. You can also expand the powers, instead of using the full application of basic Web service.
How to fund the account, how to get money
With the expense of WebMoney, you need to somehow replenish it and somehow withdraw funds. The users granted sufficient powers in this area.
Adding funds
Options recharge may vary for different currencies, but common to most currencies are the following ways:
- Use a payment terminal. Most terminals provide access to service refill. You must enter credentials, and then make cash.
- Call a bank branch and fill in the payment order. The only condition: The bank must be in the list of banks - partners "WebMoney".
- Use online banking to transfer money from the account. Conditions same as that when using the previous method
- Contact the point of remittances one of the networks (the list of networks, works with "WebMoney", can be found on the official website of the system).
- Add mobile account.
- Use a scratch card (it is a prepaid card WebMoney). These cards are sold in many distribution points. It is necessary to erase the protective layer and enter the confirmation code.
- "Print" received from another party paymer-check (created by authorized parties for sending).
- Use automatic exchanger - perhaps the easiest and most versatile way.
After completing your account WebMoney input, you can attach the accounts of banks and other payment systems for replenishment. Service is quite convenient, but it has one drawback: if the "WebMoney" not cooperating with the said system directly, you will have to use exchanger.
Withdraw Funds
Available funds in the account can be used not only with the system interface. A user who has a certificate entry-level and above may withdraw WebMoney one of the available methods:
- postal transfer (not the fastest way, relevant for rubles and hryvnia);
- a bank card (for partner banks in terms of profitable and the translation is done in seconds);
- issuing a bank transfer (need to fill in the details, the application is processed by the operator of the bank);
- through of remittances;
- through the exchange office "WebMoney" (unfortunately, there are no such items in each city, but it is nevertheless possible vospolzovatsya online exchange offices);
- a virtual card "WebMoney".
These are the basic ways, but if you want to quickly and without bindings convert currency electronic wallet to any other (especially if the transfer is done in a different payment system), it is best to use the exchange office: the commission is slightly higher, but the trouble is much smaller. As practice shows, buy WebMoney or make an exchange of WebMoney e-currency to another is easiest via the exchange point.
How to Transfer WebMoney, what kinds of transfers are
Within the system, the user can translate between their WebMoney purses or send another owner of the purse - either automatically (payment products in the online store) or by hand.
With manual transfer of funds is necessary to know the key props - the number of purse. It begins with a letter (for each type of currency - their own letter: R for the ruble, U for the hryvnia, and so on), after which come the twelve figures. Rooms also unique purses. But it is important not to make mistakes, so the way to the transfer of funds from the wallet to the purse are two:
- normal - once the owner has confirmed the transaction, the money deducted from his purse and wallet are credited to the recipient;
- protection code - money held in the account to the system as long as the recipient has entered a protection code (a combination of numbers, which is known to those who transferred money). This is a good way to protect themselves from bad faith and to insure against errors.
There is another way - to use paymer-check. Not everyone knows how to transfer money via WebMoney such checks, and yet nothing complicated:
- Check - it's just a unique combination of numbers and confirmation code, which allows you to get knowledge in the Paymer system corresponding amount.
- Essential elements of the check may be reported in person, sent by e-mail or in any way trusted.
- Create a check may be authorized party "WebMoney". The recipient can use the integrated service Paymer, to "print" a check, after which the funds credited to his wallet.
It is worth noting that the checks can be calculated and offline too.
What is the payment card "WebMoney"
If the electronic WebMoney purse can be used only in the Internet space, the account holder may request an additional issuance of payment cards. There are virtual cards (they have all the details, but without a physical medium), and there are quite "tangible" payment - Maestro and MasterCard for residents of the Russian Federation, as well as UnionPay, VISA and MasterCard holders for wallets WMZ and WME. From conventional produced by any other bank, they are distinguished by a deep integration with "WebMoney". Simply put, this card can pay in any store, and the money is not deducted from your bank account, but with an electronic purse.
This is one of the many ways to simplify your life and "cash out" virtual storage hassle. Any operation, the purchase of goods or services are recorded as a translation of WebMoney. The service is quite popular, its only disadvantage is that for any amenities to pay, and the availability of maps for offline calculations, "fastened" with a WebMoney purse, also free of charge.
What additional services are at the payment system
In addition to the primary server WebMoney Transfer, which is responsible for the transfer of funds between purses, there are many other services. Everyone solves their problem: one responsible for security, and the other provides the completion of WebMoney directly from bank cards, the third monitors the certificates and so on.
For complete information about all the services can be found on the official website, here we consider the most basic.
Main office services directly related to translation:
- Security - protect your account from unauthorized access.
- Assessment center - stores, validates and issues certificates.
- E-num - provides an additional check on entry and confirm.
- Banking - is responsible for interaction with the banks.
- Paymer - service to work with WM-checks.
WebMoney system also provides participants additional opportunities for exchange and beneficial use of its funds.
- Exchanger - sharing service. In contrast to exchange points, acting without a commission, with the rate set by the parties themselves, participating in an exchange.
- Capitaller - allows you to jointly manage wallets, capitalized savings, to invest, to distribute shares between the parties and so on.
- Debt service - provides participants the opportunity to directly take in each other's debt on terms of mutual trust.
- Credit Exchange - a full-featured service to extend credit (unlike Debt service each loan agreement is confirmed by an official).
There are external services, such as INDX - you can use it to trade, benefiting as a result of the transfer of one e-currency to another. Practice shows that careless handling of finances increases the chance of losing savings both in trading and in lending, but sound approach makes it possible to make good money - of course, provided that there is a decent capital, which will have weight in the world of business (at least average ).