WebMoney: reviews, registration, how to refill

Today the market of electronic payment systems has reached extraordinary heights of its development. The amount of money transferred through the Internet is amazing: it's about billions of dollars. Who would have thought that in the modern world it will be possible to pay so easily without leaving home?

Despite the fact that some electronic payment systems continue to emerge in the industry, there are several "titans" who have an incredibly huge customer base and are in fact monopolies of the market, because they have the unbreakable (as it may seem) support of the majority of network users. To one of such "giants" of electronic commerce we will address in today's review. It's about the Webmoney payment system. Feedback on this site, instructions on how to create your account, guidance on how to enter and withdraw funds from the system will be presented in this article. So, if you did not have experience with this system, you probably will be interested in this note.

About the system

To begin with, we will characterize the system in general terms. According to official information, the company in question arose, back in 1998. Then Webmoney money was not as popular as it is today. Detailed information on how exactly everything started and who ultimately stands behind the whole of this organization is nowhere to be found. We only know the name Webmoney Transfer ltd - it is a legal entity that manages the payment system.

Of course, the popularity of such a payment tool grew gradually, increasing at the expense of new users. In 2015, according to official statistics, the system has registered more than 30 million accounts. Most of their owners conducted several transactions, which led to a total turnover of 17 billion dollars. The figures really amaze, considering that we are talking about a private organization whose history remains in the shadows.

For the whole history of its existence, the system has experienced various threats and attacks from official government bodies and special services. The reason for this is obvious - through Webmoney there is a huge flow of uncontrolled funds that are not taxed and at the same time can go to finance various crimes, terrorism and so on. The last such "hit" was experienced by the payment system bank, which conducts transactions - "Conservative Commercial Bank". In March 2016, inspections began here. Such "actions" on the part of the state for "Webmoney" are not something new.

Benefits

Whatever it was, and describing the system Webmoney user reviews mention a lot of its positive qualities. Indeed, if the system did not suit users with something, they would simply refuse to use it, preferring another EPS. However, as we see, this organization continues to be the market leader, despite the fact that there have long been other "giants" like Yandex.Money. Another serious competitor of Webmoney is Qiwi. However, both mentioned alternative systems have some niche, due to which they win customers.

Webmoney also has its own user category. And they know that the main advantages of EPS are speed (transfers are made instantly), security (there are a lot of tools to avoid losing money), the ability to easily settle with any counterparty, the mass of ancillary services (exchange of exchange, credit exchange, etc.) . All this removes any barriers between users, opening up a whole currency market on-line.

Popularity

Another plus is that, as the reviews describing Webmoney, the system is incredibly popular. Therefore, a lot of people are ready to pay with the help of "WebMoney". If you want to purchase the goods, the seller may not accept Yandex.Money or Qiwi, but all the shops, services and services that operate online are operating from WebMoney. This simplifies the calculations within the system.

The same applies to making or withdrawing funds. More details about this we will talk in the following sections, but for now, we note that each participant can easily make Webmoney withdrawal to any direction convenient for him, including cash. Now on the Internet there is a lot of services that conduct such operations.

Versatility

Another important point is multicurrency. In the payment system there are 10 types of purses, each of which is the equivalent of currency or debt obligations. For example, WMZ - the equivalent of dollars, WMR - rubles, WMX - bitcoins, and so on. Due to this, a certain universality appears in the calculations. A resident of Kazakhstan can easily take rubles, in order to quickly exchange them for their national currency. And there are no problems with the exchange within the payment system. Users can easily convert one of the currencies to another, making their own choice.

check in

Work in the system, as you can guess, begins only after creating an account. This is done quite simply, although over time, the rules by which you can create a Webmoney purse have become somewhat tougher. Several years ago in the system it was possible to have several accounts without any problems, without making any confirmations or documents. Today, everything is completely different.

The ability to own different accounts has been preserved, and you can use the service almost immediately. However, the system of different certificates (we will also talk about them later) is designed in such a way that it is not enough to create a Webmoney purse for full-fledged work. It is necessary to send a scanned version of the passport in order to confirm your identity. There is nothing terrible in this, just another formality. Do not worry that someone will know your personal information.

After registration (and this procedure represents a banal filling of different fields with information about yourself, nothing new) you get the Webmoney ID number (WMID). This is your account, within which you can create as many different wallets in a currency. It is important to note that the number of each of them is unique and serves to receive funds.

Management of wallets

For convenience of the user in system various modes of money management are provided. There are three of them: Mini, Classic and Light. Each has certain characteristics.

"Mini" - the easiest way to manage your money, because it is in the work with the browser. For the user, a "personal cabinet" is created on the site mini.webmoney.ru, where all settings, statements, tools for transferring and receiving money, etc., are available to him.

Classic (Keeper WinPro) is the work with the payment system through the program, which is installed on the user's PC. Here the owner of the Webmoney ID uses higher security standards (after all, its data is protected using keys - files stored in an encrypted form on the user's computer).

Light - this is something in between the two above options, because it assumes the same functionality that is in WinPro, but without having to install software on your computer.

The participant can independently choose a platform and, if necessary, switch from one version to another.

Certification

There are different "degrees" of Webmoney accounts. Registration, for example, gives an opportunity to get a record of the very first level - the alias certificate. With him you can make small calculations and, in principle, get acquainted with the system. The next in the hierarchy is a formal certificate, which is necessary for more active participants. To receive it you need, as mentioned above, to upload copies of documents. It opens the way to financial services of the system.

In Webmoney, the registration of the next (important) status is paid for after a direct visit to the certification center in person. Such a center can operate in your city, or it can be a private person-personalizer.

A higher certificate is personal. It is needed to accept larger payments than in the case of formal payments and can serve as a basis for greater confidence in the person.

There are more serious certificates for business on the net, but they are given out to the owners of large Internet services, some financial institutions and more serious users involved in Internet commerce.

Restrictions

As in any other financial service, the "Webmoney" payment system has certain limits that allow you to monitor the user's activity and conduct some kind of regulatory policy within the service. These restrictions are primarily associated with the confirmation of the account information, with the amount of information that the user provides about himself.

For example, if a mobile phone was not attached to a record, the Webmoney output (for holders of a pseudonym and formal certificate) is limited to 5 thousand rubles per day. If the account holder ties the phone number, this limit will increase to 15 thousand. The same rule applies to other currencies (in the equivalent equivalent, except for Belarusian rubles).

A user who has a formal certificate has the right to make transactions for up to 15 thousand rubles without the confirmation of the number, while specifying the phone removes the limit and sets it at 300 thousand.

Those who work with a personal certificate, without confirmation, also have a limit of 15 thousand, and with that - the restriction is set to the bar at 3 million rubles per transaction.

Rates

As is known, each EPS takes from each user a commission for conducting transactions. The same goes for, for example, banking institutions. In this sense, the Webmoney commission is no exception. The amount of 0.8% of each transaction is withheld from the user.

Thus, the commission can not be less than 1 cent, and more than 50 dollars (in equivalent to other currencies). If you carry out an operation to transfer funds between two purses of the same type within the scope of your identifier, there is no commission in full. And, in the same way, if money is sent from one purse in the framework of a single certificate to another (and the type of certificate is not lower than the formal one), there are also no additional charges for services.

Replenishment

We have already told a lot about the structure of the payment system, how to use it, where to start and what to look for. One issue remained undisclosed. How is the funds credited? If, for example, you opened your account, all your purses are initially empty. How to replenish Webmoney, so that money has arrived at the purse you need? What do you need to do to enter funds into the system?

It must be said that there are several ways of replenishing, for each currency they differ among themselves. For example, the euro-purse can be replenished through the terminals of NETTO in Moldova, TelCell - in Armenia and with the help of WME-card. Rubles will be credited to the account in the event that you transfer them, respectively, from Russian terminals or WMR-cards. The same applies to any other currency. One of the most common means of entering funds is payment terminals in the country where one or another currency is in circulation.

In addition, for all types of purses in the system, a bank transfer to Webmoney is relevant. In order to use it, you need to correctly specify the requisites (you can find them on the company's website), then within a couple of banking days the funds will be credited to your wallet.

Terminals and banks are suitable for those who want to deposit money in cash and receive in electronic form.

For those who have another e-currency, there are exchangers. There are a lot of them, so we recommend using monitoring services, which will show where the most profitable rate and how to replenish Webmoney for the best of them.

Conclusion

Logic, used in the case of replenishment, also operates with the output. You can get money from WM purse to an account in another EPS, you can withdraw them to a card, get cash or, say, transfer to a payment for some service (top up your phone, Internet).

Reviews

Given the sheer popularity of this service, it's no surprise that the network has a lot of feedback on the activities of Webmoney. Reviews (at least most of them) are written in a clearly positive light for the system itself. People praise how "Webmani" works, are satisfied with the service, are happy to have such a convenient payment tool at hand. There is nothing new in this: in fact, the reviews only confirm the high popularity of this Internet commerce tool.

From negative feedback, we learn about some inconveniences associated with the requirements to increase the certificate, indicate your personal data or with a limit on the operation. This is normal: people are unhappy that they are forced to switch to another certificate, that the system does not allow you to spend the right amount of money through purses. Advice to such users: you need to know in advance information about how EPS is arranged and what the main rules are here. After all, it is clear that Webmoney has its own policy, which they adhere to.

conclusions

In general, it is not worth to name how the system functions. "WebMoney" has repeatedly saved a huge number of people, allowing them to make a fast exchange even in those times when commerce did not seem as open and accessible as it is today. Therefore, for this service creators should be thanked separately.

Let's hope that all the restrictions related to the ongoing checks in the system will be eliminated, and the control bodies will lag behind the organization and will work normally to provide us, simple users, with the highest possible service.