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The most popular e-money?

2016-05-22

Most popular electronic money
When choosing a payment system, people are guided by several criteria - reliability, ease of use and availability. What electronic money is the most popular today? The polls carried out have shown that the following giants are in the leading three "winners" - Yandex.Money, Qiwi and WebMoney. Below we will consider the features of each of the systems.
 

Yandex money

Yandex.Money is out of competition in Russia today. This payment system is operated by Yandex, operating in the legal framework of the Russian Federation. The main currency is Russian rubles.

System users do not have to worry about the safety of personal funds in the wallet - the protection is organized at a high level. The only danger remains phishing or engineering, but here it all depends on personal care. It also notes the possibility of linking the card to the wallet and the use of funds available on the account.

The advantages of popular electronic money include the convenience of paying for goods in the global network, the ease of registration, the ability to make purchases in thousands of online stores. An important plus is the ability to replenish the account through a bank card. For active users, a mobile application has been created that allows you to work with a wallet without a computer.

The payment system also has disadvantages. So, Yandex.Money charges a high commission for converting funds and for withdrawing. In addition, the payment system is focused more on the residents of Russia. Access denied or restricted to users from other countries. 

Webmoney

In the CIS countries, one of the most popular is the WebMoney system. Its capabilities allow you to pay online, make transfers to other users, convert funds into other currencies, and so on. The payment system is international and not tied to a specific country. The main feature is multicurrency and the ability to use wallets for different currencies - euros, dollars, rubles and others.

The most popular electronic money in the CIS has a number of advantages - the reliability of protecting user funds, which almost eliminates the risk of hacking into personal storage. An important plus is internationality, thanks to which money can be entered or withdrawn from the system. In addition, users have the ability to operate the funds at their own discretion. If necessary, all information (videos and guides) can be found online, which is useful for beginners.

But the payment system also has a number of disadvantages. The main drawback is the length of the wallet registration procedure. In addition, if you lose your password or wallet file, you will have to suffer in order to regain access to personal funds. Despite the security of the network itself, no one swept aside the problems with fraud. To protect funds, it is recommended to connect the E-num system, which implies confirmation of transactions via the phone.
Qiwi

Qiwi is a popular electronic money, another Russian product that has earned the respect of users due to its reliability, variety of interfaces, convenience of deposits and withdrawals, and a small commission. In addition, the account in the system is tied to a plastic card, which opens up opportunities for using money even in the offline world.

As for the popularity, it is achieved due to the large number of terminals that are installed in many cities of the country. Millions of people pay fines, deposit funds to a mobile phone, replenish the Internet, pay for utilities and so on. Withdrawals are possible in many different ways. At the same time, the system commission cannot be avoided.

The main advantages are as follows - high speed of registration, reliability, the ability to use funds via phone or computer. There are also disadvantages - the presence of restrictions, the need to go through identification, sometimes a rude support service, which does not quite promptly answer users questions. 

Difficulties of choice

The above are the most popular electronic money. In reality, there are more payment systems. PayPal, [email protected], RBK Money, Wallet One and others are in demand. Each of the systems has pros and cons, fans and opponents.

There are many popular electronic money. But how do you find your option? Here it is worth considering the following factors:

- Security of personal funds. In the field of security, the leaders are WebMoney and Yandex.Money.

- Ease of use. In this direction, the leading positions are occupied by Qiwi and Yandex.Money.

- Functionality. Here you should pay attention to the methods of depositing and withdrawing funds, the possibilities for users, the availability of special applications.

 - The size of commissions.

- Availability of application in many countries. If you need a payment system to work outside of Russia, then you should pay attention to WebMoney or PayPal.