What to do if you have lost access to the electronic payment system

It is difficult to overestimate the importance of payment systems in the life of a modern person. They make everyday life, in particular, its material side, more comfortable. Thanks to the emergence of such resources, people have been able to save time by making payments for the purchase of goods and services online, without leaving a computer monitor, or even using a mobile phone.

With the massive spread of payment systems, the issue of transaction security and access to ones own virtual wallet has acquired particular relevance. No matter how prudent, collected and neat a person is, no one is insured against losing a pin code or password for accessing a bank account or electronic wallet.

This situation, of course, spoils the mood, and sometimes causes a state of panic. Such extremes are useless, because you can restore access to the payment system, for this there are special methods, instructions, tips and recommendations. Losing access is by no means analogous to losing your own savings.
 

PIN code is lost forever, but money will remain intact

If access to the payment system is lost, in particular, the PIN code of the bank card, in principle, nothing terrible happened. Except for the situation when money is needed urgently or the cardholder is abroad. To restore access, you need to contact the bank directly, write an application and in a few days the bank will issue a new card.

Money from the previous bank card will be saved and transferred to the new one. After all, the owners personal account is automatically transferred to a new banking instrument, which is so popular today, such as a plastic card.

It will be somewhat difficult to solve the problem if the cardholder who has lost the PIN code and access to the account is outside the state. You need to contact a domestic bank and ask to block the card before the client returns to his homeland. The problem can be resolved more quickly if a bank branch operates in the country where the particular person is located. However, getting a new plastic card there is unlikely to work, and it is not worth it, given how many bureaucratic barriers will need to be overcome to achieve this

In order not to repeat or avoid such situations, you need to save the PIN code in several places: in a file on your computer, notebook, phone, etc. Multiple duplicates are the best way to protect you from such troubles.
 

Restoring access to the Yandex.Money electronic wallet

If a person is ready to use an electronic payment system, he must be well versed in a computer at least at the user level. In any case, it may happen that the access password is lost and the user will face the problem of restoring access to the payment system.

Already at the very beginning, you need to think about how to prevent this and more reliably save it in a file on a computer, on a USB flash drive or on paper. But if you do not do all this and rely only on oral memory, the moment may come when it fails, and access to the wallet will be closed.

So how can you restore access to the Yandex.Money payment system? Knowing only the password for the mailbox on this service, it is impossible to access the electronic wallet. And the payment password is completely forgotten. Since a mobile phone number was linked to the wallet in advance, restoring access to the system will be much easier. Having opened the official website of the Yandex.Money service, move the cursor to "My phones", where to make a request for a new password and "receive SMS", in which it will be sent.

You can go the other way: get rid of the old password and come up with a new one by opening the link "Recover forgotten payment password". Answer the secret question, which was discussed at the time of registration of the wallet. The necessary link will be sent by e-mail, following which a page with forms will open. They need to be filled in. In addition to personal data, indicate a special recovery code (it is given at the time of registration).

But if this code is lost, the case is more difficult, but solvable. There is a support service that can fix this unpleasant problem, you just need to indicate everything that is left unforgotten. Those who prefer direct communication with the administration can write a real statement in which they need to indicate their problem, attach a notarized copy of the passport. Bring the package of documents to the address indicated on the website. Access to the payment system will be restored in the shortest possible time.
 

Lost password for WebMoney - get a new one

The user of any electronic system, including WebMoney, is an ordinary person who is not alien to mistakes and forgetfulness. Even with the most disciplined, but very busy people, a situation may occur when it suddenly turns out that the access password has been lost. Even if all the secret data seemed to be safely stored in a separate file, and it somehow disappeared in an incomprehensible way. Do not get upset ahead of time, you need to strictly follow the instructions:

    Go to the main page of the site https://login.wmtransfer.com.
    Move the cursor over the "Remind" window.
    The question will appear: "What do you want?" You need to answer: "Recover password".
    Then click "Continue".
    We fill in the passport data, email address, mobile phone number, and your WMID.

An email will be sent to confirm the request. After choosing a VM identifier, you should send a request: restore access to the payment system.

If you have lost not only your password, but also your password and key file, you need to open the WebMoney Keeper classic program.

The question will appear on the page "Cant enter your personal account?"

In the section “I forgot my password and can’t remember it in any way” we click and return to the main page.

Next, a restore request is made.

When entering personal data, you need to show maximum attention, because the number of attempts is limited. Next, you need to open the sent email and confirm the application.

If a mobile phone number is tied to WebMoney, then we select recovery via phone.

You will receive a code via SMS that you need to enter. Correct answers to the proposed questions will significantly speed up the recovery of secret access data.

It will take some time until all the data sent is verified, if it is successful and all the information is correct, access to the WebMoney payment system will be restored.

If a similar situation happened to the user of the Qiwi electronic wallet, as well as to the owner of a bank card, Yandex.Money or WebMoney wallets, you should also not get lost and panic. A similar method of restoring access to this payment system. Also, as in previous cases, a mobile phone can also help here, or it is possible without it, but then this will take more time.

Despite the fact that the problem with access is quite solvable, it is still much easier to prevent it if you take the storage of valuable information more seriously and do it in various ways. Try to protect confidential information as securely as possible.