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What is the best payment system?

2016-05-15

What is the best payment system?

For many people, the Internet is not just a place for entertainment, but one of the main sources of income. The web has acquired a well-deserved status as the largest employer on a global scale. But unlike ordinary life, it is not paper, but electronic currency that rotates on the network, note how many options for money we have in the electronic exchanger. To control it, there should be the best payment system at hand, ensuring the safety of transactions and the safety of funds in the account. What is the best electronic payment system? What criteria should you pay attention to in the selection process? Consider the popular options and the features of each of them.

Webmoney

If you ask netizens what payment system is best and most suitable for conducting transactions on the net, then 70-80% will answer that WebMoney. This popularity is easy to explain, because Webmoney is one of the most popular systems in the CIS countries. Year of foundation - 1998. For almost 20 years of work, the company has managed to achieve a lot - to increase the level of security, to make the use of the system as comfortable as possible for customers, to provide an opportunity to work with many currencies. It is on these criteria that a person is guided when choosing which payment system is the best for today.

But there is a category of users who do not consider this system to be the best, but simply use it out of desperation. It just so happened that most of the projects on the network are built on WebMoney, and without having an account in the system, the users capabilities are limited.

The advantages of the payment system include:

    Multicurrency. We work with such wallets as the Ukrainian hryvnia (WMU), Russian ruble (WMR), euros (WME), American dollars (WMZ) and others. If you wish, you can work with warehouse receipts for exchange-traded gold (WMG). The Bitcoin (WMX) wallet has also appeared.
    Large selection of deposit methods. Depositing funds to the WebMoney wallet can be done in many different ways. Among them - depositing funds using payment terminals, bank transfer, transferring funds through a mobile phone, money transaction, depositing funds through an ATM, Internet banking and many others.
    Small commission. The size of the commission directly depends on the selected transfer method. For example, when replenishing through an ATM, the commission is minimal - from 0 to 3%. If you replenish your account from a mobile device, the commission will be from 5.8 to 12.5%. This point should be considered when choosing a suitable option.
    Large selection of withdrawal options. The best payment system should offer its customers a wide variety of withdrawal options. In this respect, there are no problems with WebMoney. Funds are replenished via postal order, using Internet banking, money transfer, using a bank card, through exchange offices, using the ordered WebMoney card, and so on. As in the previous case, the fees for withdrawals will vary.
    Ample opportunities. When considering which electronic system is better, it is worth paying attention to the possibilities that it provides to its users.

In the case of WebMoney, the following points should be highlighted:

    The ability to conduct financial transactions and pay for services (goods) through the global network.
    Payment for services of mobile operators, Internet providers, media subscriptions and so on.
    Implementation of exchange operations for various title units and other electronic currencies.
    Making payments to owners of online stores for the goods provided.
    Carrying out settlements by "electronic", using the capabilities of a smartphone as a wallet for funds.
 

Yandex money

Yandex.Money is no less popular than WebMoney. When determining which payment system is better, you cannot do without a review of this resource. Unlike Webmoney, which is popular in many CIS countries, Yandex.Money focuses on residents of Russia. The project itself was launched back in 2002 and is actively developing to this day. Due to its functionality, reliability and high level of security, most of the Internet users prefer this particular option.

To determine which payment system is the best, it is important to analyze the applicants capabilities. In the case of Yandex.Money, the following points should be highlighted:

    The ability to make money transfers on the network between different users.
    Convenience of payment for services, sale and exchange of electronic currency.
    Small commissions for transactions.
    The ability to make payments for mobile communications, Internet and other services. If you wish, you can even pay for an apartment.
    Transfer of funds to bank cards.
    The ability to receive funds in more than twenty different ways.

With regard to commission payments, their size is 0.5% of each transaction. If funds are withdrawn to a bank account, then 3% is withheld. In addition to everything, the transfer agent participating in the transfer can also charge a percentage.

With the introduction of new laws for normal operation in Yandex.Money, one cannot do without passing identification with the input and subsequent confirmation of personal data.

LiqPay

The Leakpei payment service is in less demand than the competitors described above, but you should not completely sweep it aside. Clients of the system get the opportunity to make transactions in the direction of other users of the system, withdraw funds to bank cards, make various payments and conduct a number of other important transactions.

The main feature of LiqPay is the ability to make instant payments using bank cards. To realize the plan, it is enough to have only a bank card and a mobile phone at hand.

As practice shows, the use of the payment system is most convenient for business representatives in the network. So, most of the applications, online stores and simply promoted resources work with this system. To register with Likpei, you do not need to create a separate account. All that is required is a mobile phone number, which will receive the transaction codes required to complete transactions. Registration takes a minimum of time - just log in to the system, enter the SIM card number and set a password that comes in an SMS message.

PayPal

According to many experts, PayPal is the best payment system abroad. As for Russia and other CIS countries, it is just beginning to gain momentum. Needless to say, if 10 years ago hundreds of millions of people in more than 50 countries of the world were users of the system. The system was founded back in 1998 by two enthusiasts - Max Levchin and Peter Tayler.

Thanks to the capabilities of the system, users can send and receive payments using an "electronic" or mobile device. In addition, PayPal customers have access to the following options:

    Transfer various amounts from your PC.
    Implementation of a request for funds.
    Installing tools on the site that allow you to accept payments (this option is not available to everyone).
    Conducting financial transactions using a mobile device (smartphone);
    Daily withdrawal of funds to a bank account.
    Simultaneous transfer of funds to a large number of users.

When determining which payment system is better, system users pay attention to the size of the commission. In the case of PayPal, this rate scares people away. In particular, for each successful payment, the system has to pay 10 rubles. If the turnover does not exceed 300 thousand rubles (per month), then the system takes 3.9% of the total amount and 10 rubles for the transaction. It turns out that when conducting a small operation, the commission can be up to 10-15%. This is clearly disadvantageous for users.

RBK Money

Considering the question of which electronic payment system is better, one cannot fail to mention RBC Monei. With its help, you can make online purchases and pay for the services of a mobile operator or the Internet. In addition, the system easily interacts with bank cards and other electronic systems.

The developers have foreseen two main directions. One is for individuals and the other for legal entities. Entrepreneurs are offered a choice of six tariffs, allowing them to choose the most profitable and comfortable option for themselves. Individuals have a choice between the extended or classic wallet type. The main difference between the two services is in the opportunities offered to clients. In particular, owners of extended wallets have the right to count on the following privileges:

    Affordable rates for making payments within the system.
    Larger limit for depositing funds to a bank card.
    Possibility of refunding money that has not been previously used.
    Withdrawal of money up to one hundred thousand rubles.

An important plus is additional options for withdrawing funds. In particular, money can be withdrawn by bank payment, transfer from another system, using communication systems, a bank card and others.

What is the best payment system? There is no single answer - everyone makes a decision personally. Here it is worth starting from a number of criteria - the amount of commissions, ease of use, the number of ways to deposit or withdraw funds, the availability of terminals, and so on. For example, Yandex.Money has a low commission, but an expensive cash withdrawal. WebMoney also has a low commission, but the identification procedure takes a very long time. PayPal has too much commission and so on. The choice of the best payment system is up to the user.