Modern trends in the development of markets in various industries lead to the fact that a large number of trade operations are gradually moving from the real market to the virtual one. In such conditions, the need arose to create a virtual method of calculation. The decision was not long in coming - virtual (or electronic) money was soon developed.
According to the definition, virtual money is funds that are located on an electronic medium at the user's complete disposal. Since the term “electronic money” is still new for our fellow citizens, confusion often occurs in which virtual money is confused with non-cash money. These concepts are far from each other. Electronic money differs from the fact that the circulation of virtual funds can occur exclusively through computer networks, the Internet, payment cards and electronic wallets.
The most popular form of using and storing virtual funds is considered to be electronic wallets - a kind of accounts on certain online resources (payment systems) through which online payments are made. These are analogs of bank accounts on the Internet. According to the statistics of the use of different settlement systems by our fellow citizens, WebMoney is considered the leader. They also pay for this wallet.
To fully work with electronic wallets, you need to realize their need. For example, if a person is a freelancer, then the need to create an electronic wallet simply does not raise questions. But why does an entrepreneur need an electronic wallet?
The active development of trading operations in the vastness of the global network, and as a result, the active use of electronic money, could not ignore the legislative branch. In 2011, the Russian Federation Law "On the National Payment System" was adopted, which regulates the rules for the use and circulation of electronic money. Despite the existence of some restrictions associated with the circulation of electronic money, this type of payment in Russia is becoming more and more popular every year. In the Russian Federation, there are many payment systems that provide work with electronic money, for example: WebMoney, Yandex-money, RBK-money.
The use of virtual funds in Ukraine is not much different from the state of affairs in the Russian Federation. In 2008, the NBU adopted a resolution “On Approval of the Regulation on Electronic Money in Ukraine”, according to which the use and circulation of electronic funds in the accounts of Ukrainian citizens lends itself to clear regulation. This resolution describes in detail each procedure related to electronic money - methods of replenishing an electronic wallet, withdrawing electronic funds into "real money", and also considers the use of electronic business entities.
For example, according to the Resolution, the use of electronic means as payment for services or goods is possible only in two cases:
The legislative acts of the Russian Federation and Ukraine are unanimous in that the use of electronic money when making payments between two entrepreneurs is strictly prohibited. But representatives of the Ukrainian Guarantee Agency hope that in the near future the legislative bodies of Ukraine will adopt amendments to the Resolution that will soften the existing restrictions on the use of electronic money.
For the convenience of working with electronic money, the existing legislative acts introduced a conditional classification of electronic wallets. The principle of classification was made by the subject, the owner of the electronic wallet. What e-wallets are and what their difference is, is described in detail below.
It is rather difficult to choose one among the wide variety of international and domestic e-wallets. And this choice must meet a large number of individual user requirements. This choice should be based on the quality characteristics and properties of a certain type of electronic wallet. Which electronic wallet is better to start is up to you.
Among the many payment systems on the territory of the Russian Federation, two systems are more popular - WebMoney and Money @ Mail.Ru. We have talked enough about the advantages of the first, so we will devote time to the second.
If we compare the electronic wallets of the Mail.ru and WebMoney systems, we can see that Mail. ru has a lot of advantages, such as the ability to replenish and transfer funds to a payment card of issuing banks of the Russian Federation (in particular, Alfa-Bank), work without additional software.
The only drawback of the [email protected] system is that it works exclusively with citizens of the Russian Federation.
If the decision on the need for and creation of an electronic wallet is made finally, then the matter remains small - the creation of an electronic wallet. Let's consider this process using the WebMoney system as an example.
The good thing about this system is that it offers users several options for working, each of which comes with its own software. WMKeeperClassic is recognized as the most convenient and functional software by users. So, how to create a Webmoney electronic wallet:
The owner of the funds is instantly notified of all operations that are carried out with electronic money using SMS messages. This also applies to replenishment of electronic wallets.
There are so many ways to replenish e-wallets that each user can choose a single, convenient option for him. Despite the fact that there are many payment systems, all of them, for the convenience of the user, offer universal methods of replenishment:
Read - how to lead correctly
Choosing such an intermediary, there is little left to do - just find out the lending conditions, choose the required lending package. Within a short period of time, the loan amount will be received on the specified e-wallet.
To repay the loan, you need to pay the specified amount from the electronic wallet every month, taking into account the interest (quite high)!
If you decide to connect your business with electronic money, do not forget:
- Choose a multicurrency international payment system with a long history of work;
- Study in detail the terms of electronic lending;
- Use personalized e-wallets, since they are under reliable protection of the payment system.
It should be noted that Webmoney remains the most reliable e-wallet, but its competitors are not inferior in reliability today. Soon we will tell you how to start an electronic wallet Qiwi (Qiwi), Yandex, Sberbank and others.
Hello everyone! Today's article is devoted to the latest changes: in May 2018, users of the electronic payment system WebMoney Ukraine presented an unpleasant surprise. As part of the sanctions, the use of WMU was banned, and registration as a domestic settlement system was canceled. The legality of blocking actions raises questions, but users are more worried about how to get money from the Russian Federation and other countries now. After all, the system was used by freelancers working with Russian customers, and people to whom relatives sent money. What options do they have?
The first wave of panic swept over when news broke that WebMoney was suddenly blocked in Ukraine. It coincided with a problem with the site, which further worried users. They went to the Russian version to collect their savings:
The option with exchangers is still available, moreover, the losses of users have become less... After the first wave of panic, the exchange rate stabilized, and now for 100 WMU you will receive 69.1 UAH.
What will happen to the funds remaining in the hryvnia wallets? Representatives of the payment system assured that the funds will be frozen, and after the ban is lifted in 2021, the owners will be able to receive them.
Also, the WebMoney Transfer company assured that users from Ukraine will be guaranteed to be served by any type of wallet, except for WMU.
To access the system, check if your provider has imposed restrictions. There are no legal prescriptions in this regard, so everything depends on the decision of a particular company. But bypassing the blocking is not difficult if you are using a VPN:
It is not uncommon to try several add-ons until you find a suitable one to bypass the blocking. Remember that the VPN browsers you have installed to access the social networks VKontakte and Odnoklassniki (FreeU) are not enough. Choosing the appropriate option, you will figure out how to withdraw WebMoney in Ukraine.
Important information:
Through the State Services, you can apply for a foreign passport of the old and new generation. ... A new generation passport or biometric passport for adults and children.
The system does not charge interest for the fact that you store funds in it, therefore it is mostly used for transactions. Now Ukrainians are thinking about how to withdraw money further without losing fabulous sums on the exchange.
In conditions when it is no longer possible to transfer money to a bank or top up a mobile phone, one has to get used to new realities.
The first step was switching to WMR and WMZ wallets, but then the money must be withdrawn to the card in hryvnia. What options are available?
The easiest and most common way is through exchange offices on the network. Choose a profitable rate using the Bestchange service and get money for Visa / MasterCard or Privatbank cards. Users on the forums noted the reliability of the following points:
To make an exchange you will need a payment card previously linked to your account... Follow the procedure:Recommend : The BestChange.com monitoring system every 5-8 seconds brings to the TOP the best options for 20 popular currency pairs only on verified exchangers of the network:
You can skip this stage if you are making a one-time exchange, but it is more profitable for regular customers to register. After all, after it you will start receiving bonuses for each transaction, and you will also be able to verify your account (this gives priority in answering tickets and instant exchange when working with Yandex.Money).
How to make an exchange on Obmenka.ua Completed the registration or decided to do without it? Select the item "Exchange" on the main page, indicate the desired directions and click "Change". A form will appear on the screen, which unregistered users will fill in manually. Check the corresponding boxes and click on the button to pay. After entering the code from SMS or E-num, the process will end and the money will be credited to the account.
Judging by the reviews on the forums, the majority of users in Ukraine continue to withdraw funds to cards: WebMoney Transfer provides active support. Difficulties may arise in the process, but they can be solved.
In order not to contribute to fraud, exchangers carry out withdrawals to pre-linked cards. If you haven't done the procedure beforehand, take action.
Linking through your personal account in most cases does not work. On the forums of freelancers, there is information that some have managed to use the usual way. But the rest do not need to worry: if you have a name card, the service staff will check the data manually.
Log in to carry out the procedure.
Choose a section "Control Panel".
Scroll down the page and you will see the item "Bank cards"... Click on the list to see further information.
Select item "Add card", indicate the payment system (Visa or MasterCard), enter the payment method number and confirm the action. A new item will appear, next to you you will see the inscription "Check"... By clicking on it, download photo of the front side of the card, making sure that the name and surname are clearly visible on it. The check will be carried out within 2 working days, after which the card will appear in the list of options for withdrawing money through exchange offices.
Please note that you do not need to upload pictures of the back side with CVV2 code!
Messages from alarmed users from Ukraine appeared on the network. They reported that information about the linked cards disappeared from their personal account: they simply ceased to be reflected on the same page as wallets.
For the majority, they “returned” without additional action. Anyway panic was premature, because direct withdrawal through the website in Ukraine is impossible. And the disappearance of cards from the personal account does not mean that they disappeared from the list of payment instruments linked to the WMID. If you wish, you can open a Webmoney Passport and make sure that the information has not disappeared. This means that an exchange is available to you through certified points.
Failures when trying to exchange funds through Obmenka.ua, SmartWM or other sites are usually caused by the following:
Banning WebMoney in Ukraine does not mean that you will not be able to use the system. Just understand the nuances, and you will transfer funds to payment cards and withdraw cash from ATMs.
To withdraw money to a card of a bank operating in Ukraine, do not change WMR or WMZ to WMU! It is more profitable to exchange rubles or dollars for hryvnia through certified points in the network.
How else to withdraw money from WebMoney in Ukraine after the ban? Users recommend the Exchanger.Money service, thanks to which you can replenish wallets or withdraw funds to a card.
You can choose an existing application or place a new one by studying the following instructions:
If necessary, contact the service administrator, who will describe the next steps.
If you have a personalized dollar card, you can withdraw WMZ by following the link https://telepay.webmoney.ru/ru/cards. Payment means of any bank will do, except "Privat". To use the service, fill out the form indicating the following:
Then click “Pay”, enter the code from SMS or E-num, and then wait for the receipt of funds. It is important that MasterCard cards are credited within 5 banking days.
The blocking of WebMoney in Ukraine has led to a sharp increase in the number of complaints about fraudsters.
Attackers use 2 pretexts: they offer to help with the withdrawal of WMU, or they contact VKontakte or Facebook users.
The scammers contact the victim on social networks, posing as employees of the electronic payment service. Then they say that it is necessary to go through verification and ask for the phone number to which the WMID is linked. At the next stage, you will be told that you need to enter the code received in the SMS, and will be asked to clarify the password. This will give attackers access to the account.
If SMS confirmation of transactions is enabled in your profile, you may be informed that the first combination of numbers is specified incorrectly. You will receive a second message, which in fact will contain the code for transferring funds to the attacker's wallet. As a result, you will lose all your money!
How to protect yourself from swindlers? Observe the following rules:
If you have any problems using the electronic payment system, please send inquiries to the official support service. Those who cannot enter the site can send a request through the VKontakte service. But please note that you should be answered from the official community page! Fraudsters register in the network, indicating similar data, put the WM logo on the avatar, and try to get information to enter other people's WMIDs.
Those who do not know how to guarantee money withdrawal from WebMoney in Ukraine after blocking start looking for alternatives. What options do you have at your disposal?
If you work with Russian customers, they will offer to make payment to a QIWI wallet. It will be possible to register it to the Ukrainian phone number, after which you will receive the “Anonymous” status.
Withdrawals from a QIWI wallet in Ukraine are made through exchange offices. The course turns out to be less profitable than when working with WMR or WMZ. For example, for 1000 rubles. in the QIWI system you will receive UAH 385 for Visa or MasterCard; when exchanging Webmoney, you will be credited 411 UAH. If the monthly income reaches 20 thousand rubles, then when you switch from WM to QIWI, you will lose 520 UAH less.
The option has another drawback: if funds are regularly received, a wallet with the “Anonymous” status may be blocked. QIWI does not have a remote identification procedure for citizens of other countries, so we can only hope for luck. But the method is suitable for those who cannot immediately link the card to WebMoney. If you just ordered a personalized payment instrument and are waiting for delivery or manual verification by a WM employee, and you need money urgently, ask your customers to make a payment on QIWI.
Yandex.Money can become an alternative to WebMoney: they can be cashed out through exchangers. The disadvantages of this option include the need to verify your identity, because without this you will not be able to make transactions.
Citizens of Ukraine have access to a remote procedure: they will need notarized photocopies of the passport and translations, as well as an application for identification. Then you will send the package of documents by registered mail. All that remains is to be patient, because the work of the Russian Post does not please with speed.
Despite the official bans, agents of the Yandex.Money system are also working in Ukraine. To meet them, select your city from the list and contact a representative. You will need to fill out an application and come to the appointment with your passport. You will have to pay about 450 UAH for the service (check the conditions with the agent).
The disadvantages of this method include the high cost of the service and the optionality of individual employees of the system. According to feedback on the forums, some agents just don't show up.
The main disadvantage of using the Yandex.Money system is that in Ukraine you have to log in through a VPN, and the wallet is then blocked. There is a high risk that you will see the message “Security mechanism triggered” and lose access to funds, after which you will have to re-verify your identity.
To avoid this situation, try the following options:
What to do if the Yandex.Money wallet has been blocked, and you are in Ukraine and cannot come to the office? Sending a follow-up letter with certified documents and waiting several weeks is not the only option. Write a review on the website http://www.banki.ru, and the wallet will be unblocked in 2-3 hours.
Although users did not abandon their familiar schemes after the blocking, they began to look for legitimate alternatives. But is it worth wasting time on registration and verification of documents?
Freelancers working through exchanges reacted calmly to the WebMoney ban: most sites withdraw money to cards. When cooperating directly, the task becomes more complicated, so users paid attention to the PaySend service. Ukrainians cannot register on it, but they can get money - in theory.
You are promised fast transfers, and the commission for transfers from the Russian Federation is 49 rubles. But reviews on the forums show that it makes no sense to study the conditions: in addition to the complex registration system, users noted unreliability. The money simply does not reach the recipients, and the support service claims that PaySend has fulfilled its obligations.
Pay attention to the stories of users about the service: their authors give either 1 star or 5. It is easy to guess that this difference speaks of the abundance of custom reviews.
After receiving information about the ban on WebMoney, freelancers turned their attention to the Walletone.com system. But it turned out that it is not suitable for accepting payments from customers, so do not waste time on registration.
To conduct such activities, it is necessary to connect not only the One Wallet, but also Single checkout. This function is available to entrepreneurs who have been identified, provided legal data and supported them with documents. You also need an online store (see the link for details).
Walletone.com technical support states that when you try to accept payments from customers, your Wallet One will be blocked.
Although the use of WebMoney in Ukraine is prohibited, you can withdraw funds and receive them on the card using exchange offices. Practice shows that WM is more profitable and more reliable than dubious alternatives (PaySend, Wallet One). If you have any difficulties, switch to solid alternatives - QIWI or Yandex.Money.
Friends, since the situation is changing rapidly, tell us everything you know in the comments. Your add-ons can help other users withdraw money!
I thought for a long time what to name this article. I was looking for cultural words that fit the meaning. And - I did not find it. Because after those hassleful events that made me write it, I have no other words, except obscenities. Sorry ladies and gentlemen, but this is a complete starlet.
You cannot say otherwise.
In general, the essence is as follows. Electronic money has been banned in Ukraine. In particular, Webmoney, Yandex.Money, QIWI Wallet and Wallet one. So now authors living in Ukraine, as well as readers living in the same country, will no longer be able to replenish or withdraw money from their e-mails. wallets in a legal way.
And I learned it the hard way!
On Sunday morning, like a thousand times before, I decided to transfer money from poison to a bank card. And since I live in Ukraine, the card was from a well-known private bank. The money is gone. Then they returned. I sent them again. We returned again. But I'm a persistent girl! I sent them a third time and ... They left ... somewhere ...
Into the unknown, judging by the fact that they did not arrive on the map.
After three hours of senseless waiting for my hard-earned money, I still figured out to call the private bank. And a very polite girl very politely told me what I had already written above. Email payments in Ukraine are now illegal.
Shock? No, it was more than that. I stood, gasping for air and trying to figure out where my money had gone and what should I do next. And the girl operator continued to broadcast that comrades who receive payment via the Internet are now strongly recommended to use the swift payment system.
I decided to find out what kind of animal it is. It turned out - the Community of Worldwide Interbank Financial Telecommunications or simply a system of international interbank payments. And now the owners of Privatbank cards can only withdraw and cash out e-mail through this system. money. Including rubles, dollars, euros and other currencies. Legally.
But, as you know, for every legal method there are several that are not entirely legal. I've only found two so far.
The first one is the fastest and most profitable. Via email exchanger currencies. I've been using this for a couple of years now:
http://obmennik.ua/ru/
Everything is very simple there. You register, and then you follow the interface prompts. Transfer from Yandex to private happens instantly, but the first time the money can be delayed up to three days. Check, so to speak. The rate here is a little worse than the official one, and there are other, more profitable exchangers, but I got used to it and never regretted it.
QIWI has long been used in the Russian Federation and other countries of the commonwealth. Payment services are also increasing their presence in Ukraine. That is why we will discuss the topic: Qiwi wallet in Ukraine. How does the system attract the attention of Ukrainian users? Ease of use. To make a wide variety of payments, you just need a phone number (mobile) and remember the password. Let's take a closer look.
Even a user who is far from the sphere of electronic payments and computer technologies in general can register a QIWI account in Ukraine.
Registration will not require the user to provide their passport or registration details. All you need is a phone that can receive SMS, and a SIM card of a Ukrainian operator.
To get started, create yourself accounts of the desired currencies - in euros, dollars or tenge. Unfortunately, there is no hryvnia account yet. After that, it is advisable to get acquainted with the appearance, try to deposit money or make a withdrawal to the bank's plastic or to another payment system. 
QIWI in Ukraine is an excellent alternative to LiqPay, WebMoney and other systems with which many people have difficulties.
You can do almost anything! Transfer money to a friend or pay for goods / services, take loans, you can replenish mobile accounts and even earn money on your wallet. This is convenient, because you only need a mobile phone, and if you have a modern gadget, you can conclude deals and make purchases, for example, on public transport, on the beach or while waiting in line.
