How to choose a payment system for a beginner

Those who want to start making money online or pay for goods and services using the Internet must initially open an account in one of the payment systems. They are services with which you can make transactions using electronic currency.

These are digital analogs of fiduciary banknotes, which have a certain value and are related to real funds in a certain proportion. Given the rapid pace of development of information and computing technologies, the massive spread of the Internet, which has covered most of the planets surface with an invisible web, it is not surprising that the number of people using online methods of making financial settlements is steadily growing.

Today, this option has already lost its status of "innovative" and is rightfully recognized as the most acceptable for carrying out transactions of various types. Modern payment systems make it possible to comfortably take advantage of the benefits of civilization both for a beginner and for experienced users who have mastered the basics of virtual commerce at the beginning of the era of the formation of the Internet.

Such services charge a certain percentage of the transferred amount for their services. It is usually small. The exchange of funds between users is quick. Also, the payment system for a beginner has a round-the-clock support service. Therefore, if any difficulties arise during a transaction, they can be quickly resolved by contacting the operator in any easily accessible and convenient way (e-mail, skype and others).

Payment systems have gained wide popularity on the network, which is growing every year, in direct proportion to the number of users. Some of them provide an opportunity for a beginner to use electronic money in confidence. An intuitive interface, ease of use, a high level of protection of money transfers, a variety of functionality, low commissions - these are the main reasons and advantages that make the use of electronic payment systems one of the most promising areas in terms of making payments via the Internet.

Today, such systems exist in both the English and Russian-speaking segments of the web. Moreover, their number is growing every year. They are available for beginners, but they have certain nuances when used. For example, PayPal can only deposit funds, as well as make payments online through it. It is impossible to withdraw funds from the wallet in our country. Therefore, the choice of a payment system must be taken with all responsibility and seriousness in order to further protect yourself and avoid troubles when making payments. Registration in any system is free, and the process itself is quite clear.

Among the most widespread and popular systems in the post-Soviet space, one can single out such as:

1. Yandex.Money.

2. WebMoney.

3. Liberty Reserve.

4. QIWI wallet and others.

When choosing a particular system, beginners are advised to read the instructions and registration rules. It is necessary to carry out the actions carefully, following the step-by-step instructions that the system itself gives out during the registration process. You need to write down your data and passwords. All information must be kept out of the reach of others.

For beginners, it is recommended to use the most popular payment systems in Russia (Yandex.Money or WebMoney). They are the most common among users today.

If you are confused by the question of which system to give preference to, then you should use those that are most popular on the network. The Internet will also help in solving this issue, where you can find detailed information about the capabilities of a particular resource and detailed instructions.
 

Choosing the most suitable payment system

Currently, more than one payment system operates on the territory of the Russian Federation, the principles of working with which can be easily mastered even by a beginner who does not have experience in Internet commerce. Therefore, many novice users find it difficult to choose.

According to statistics, the most common payment system in the world is VISA, thanks to which payments are made annually in an amount equal to 2/3 of the amount of payments from all cards in the world. This card can be used in most countries (about 200). In Russia alone, there are 40 thousand ATMs that can serve this system. Also, such a card can be used to pay in terminals located at points of sale.

The main competitor of the VISA system is MasterCard. They are the second most popular. The advantage of this payment system for a beginner is that the company has representative offices in 210 countries around the world. This is slightly more than VISA.

These giants of the global payment system market are the most widespread in Russia and the world. Their share is about 75-80% of all plastic cards used by citizens of the Russian Federation.It should be noted that MasterCard also has the advantage that money from the card can be automatically converted into any currency. VISA makes such exchanges in several stages, as a result of which the user loses about 5% of the amount.

The rest of the payment systems are significantly inferior in popularity to the two world market leaders and are not so popular in Russia. It is not surprising that it is recommended for beginners to store electronic money on the resources indicated above, since they are the most common and reliable and provide maximum protection for savings.

Payment systems less popular in Russia

Some systems, despite the fact that they were adapted to the standards of consumers from the CIS countries, are not popular with them. The main problem is the complexity of the software and a less intuitive interface that is difficult for an inexperienced user to master. An inconvenient moment that causes a lot of trouble for users is the lack of interaction between different systems. Such a confrontation does not have the best effect on the popularity and image of payment systems.

Regardless of this, the volume of payments made via the Internet is increasing every year. Some experts predict that in the near future, plastic cards will become less in demand, and most of the transactions will be carried out using electronic wallets. For example, even today, funds from Yandex.Money can be withdrawn even to accounts opened in large banks in Europe and the world.

It should be noted the high level of protection of funds of people who use electronic payment systems. Inexperienced newcomers are no exception, for whom the safe implementation of a money transfer is almost a paramount task, given the growing scale of cyber fraud. There are many examples when inexperienced beginners who did not follow basic safety rules when using payment systems became easy prey for online scammers.

Often, this is due to ignorance. Sad experience, as a rule, causes a negative attitude and many refuse to continue using electronic wallets. Moreover, they assure opponents that such systems are unsafe. However, experienced users know that such an opinion is not true and is widely used for everyday financial settlements.

Regardless of these or those prejudices, everyone is free to choose what he likes. Also, the place for storing electronic money for a beginner is only his choice. But here you need to understand that billions of people around the world trust huge amounts of money to electronic payment systems, without fear that something will happen to them or they will disappear. Therefore, it is recommended to listen to the opinion of the majority.

The presence of an electronic wallet should not be considered the latest fashion. This is a common detail in the life of the average man in the street. It allows you to use your own savings without time and territorial restrictions. In order to pay for a product or service, you only need to have a plastic card or the ability to access the Internet in order to use your online wallet. Even if the "plastic" itself disappears, it does not mean that the funds that were on the card will be threatened. The card itself can be easily replaced at the branch of the bank where it was issued, and you can use your money again.