Simple and reliable payment service [email protected] has long been popular among clients of the social network of the same name. The owners of the company did not stop there, and are actively expanding the list of innovative services that allow you to earn Money Mail, as well as the list of offers where you can spend it. Thanks to integration into a common electronic payment system, as well as close cooperation with leading Russian companies and financial institutions, it allows you to pay for a variety of services.

In 2005 Mail.Ru Group. created PS Money @ Mail.Ru with technical assistance from MoneyMail.

 

2009: a new stage in the life of the payment system

The technical manager of the new PS was the MoneyMail organization, which provided the software for the payment service. After 4 years, PS announced the termination of work with a technical partner and the launch of a new project, which appeared as a single platform. At present, the possibilities of the service have significantly expanded: the Money Mail card can be replenished from any financial institution, communication shops, banking, through the terminals of the QIWI Group and others.

One of the main advantages of the system is simplicity. The client does not need to download software to a device or PC: for identification, it is enough to use e-mail. Financial transactions can also be carried out on any device that is connected to the global network. A number of payment options are available for system users:

making money transfers;
payment for telecommunication services;
replenishment of game accounts;
payment for hosting;
purchases in online stores;
Payment of utility services;
payment for services within the payment system.

Among the characteristic features of the system is that the Money Mail card is available exclusively to Russian citizens. The user indicates information about citizenship at the registration stage. Therefore, the system can be considered as a payment platform focused on making money transfers within the country.

Creating a wallet in the system

Individuals have the right to use an electronic wallet. Registration takes place in the standard mode with a username and password. After completing these steps, the user gains access to their electronic wallet with a zero balance.

 

Types of operations that can be beneficial for users [email protected]

Almost all the services provided by the system provide for the payment of a commission. At the same time, a number of monetary transactions take place without charging. All operations accompanied by account replenishment are free of charge. Also, no money is charged for purchases of goods and services in online stores.

At the same time, it is profitable to transfer Mail Money within the system, since the payment service offers a low transaction rate - 0.5%. The fee for transferring funds to a debit card is 3.5%. Additional commission is charged by financial institutions. For this reason, using the Mail.ru e-wallet Money to replenish a bank card is impractical: it is much more profitable to make purchases in the global network and pay for a number of services.

Setting up an account for safe work with the service

Since making Money Mail is as difficult as real money, it needs reliable protection. To minimize the risks associated with the vigorous activity of fraudsters, it is required to ensure the highest level of protection for the electronic wallet. For this, there is a two-tier security system, which includes initial authorization on the portal, as well as the use of a payment password.

Security is configured in the section of the same name, and it is recommended to periodically change the payment password. The system user has the ability to enter a range of IP addresses from which to log into the account. It is recommended to link the wallet to a phone number, which will simplify the ability to restore access to your account.

A detailed description of all transactions is stored in the "History" section located in the main menu. The service administration recommends to correctly configure the system messages. For example, if the users account balance changes, the Money Mail service will automatically notify the client. Thanks to this option, the user will be able to find out about unauthorized access to his electronic wallet and attempts to withdraw funds.

 

Service for e-commerce

Owners of online stores have the opportunity to use the software of the [email protected] service to accept payments from buyers. To receive money, you can use the installation of a special application, which must be downloaded from the official website. Alternatively, digital invoices can be sent manually for low transaction volumes.

Regardless of the method, the use of the services of the Money Mail service follows the standard scheme:

the trading facility is checked by the payment system employees for compliance with technical requirements;
the store owner sends a corresponding application for connection, provides the necessary documents, the list of which is regulated by the agreement;
service connection is in progress.
As a result, a banner is displayed on the owners site, which confirms the ability to make a purchase on the site for Mail Money without commission.

 

Card [email protected]

An up-to-date service providing for connection to the electronic card service is used in all major payment systems. Such services are provided by PS Yandex.Money and QIWI. Mail.ru is no exception. Currently, the payment platform is actively cooperating with Tinkoff Bank, which is the issuer of MasterCard. The debit card is gold and belongs to the premium segment. Therefore, customers who use this service receive the entire package of services that provide privileges and a high level of service. The card will become a useful assistant for users who are trying to make Money Mail, and are also looking for ways where they can be spent with a minimum commission.

Outwardly, the banking product does not differ from traditional cards. For payment in the global network, a special CVC code is provided. The card is personal and is the property of the bank. Therefore, its use by third parties is not provided. The functionality of a bank card is traditional: the Money Mail card can be used:

to pay for any goods;
payment for services;
money transfers;
withdrawing cash from any ATM.
The only difference between the card is its linking to the [email protected] payment system, and, in particular, to the users wallet. For clients engaged in active financial activities in the global network, a debit card will be a useful tool with many benefits.

The card is issued free of charge. Also, the payment service guarantees its free service. In this case, a prerequisite is the implementation of financial transactions during the year. In the event that the Money Mail card is not used by the client for transactions during the year, he must pay a commission of 350 rubles.

As an additional service, PS Money @ Mail.Ru allows you to get a debit card without visiting the Tinkoff bank. You can order delivery on the official website of the service in the "Settings" section. Delivery cost within the Russian Federation is 139 rubles.

After receiving the card, you need to activate it. The procedure is performed in the clients account. After that, the card is activated. At the same time, the Money Mail card does not yet guarantee the conduct of all financial and monetary transactions. A limitation on the use of the card is cash withdrawal from ATMs. To get this opportunity, you will need a pin code and identification. The code can be obtained from Tinkoff Bank over the phone. To do this, you need to contact the contact center at 8-800-555-25-30. Verification involves sending a copy of the passport by the postal service, which must be certified by a notary.

The use of the card is relevant for users who work in the global network. Its main advantages include:

no need to visit a financial institution;
no commission (in case of payment transactions);
efficiency of release.
At the same time, when withdrawing funds from an ATM, the user pays a 3% commission. Also, for each withdrawal of funds, an additional 15 rubles will be charged.

If the client plans to use the card without identification, and this option allows money to be transferred to other accounts, then the payment system has set a limit on financial transactions. For example, the Money Mail card for unidentified users allows you to transfer funds in an amount of no more than 15 thousand rubles. The monthly limit is 40 thousand rubles.

Clients who have passed verification can count on loyal conditions for withdrawing money, transfers and established limits.

 

Virtual card Money @ Mail.Ru

For the convenience of customers, a service is provided for using a virtual card, the details of which are sent in the form of a notification to e-mail or phone. You can use a virtual card in all online stores in the world. At the same time, the virtual Money Mail card has restrictions on transactions, which vary in the range from 300 rubles to 14 thousand. A 2.5% commission is charged for using the payment.

Mobile users should pay attention to the Apple app. Using the service, you can make purchases at any time, regardless of the banks work. There is no commission for account replenishment. An additional advantage is the security of the virtual account and the ability to use it anywhere there is an Internet connection.

In general, the Money Mail system has great prerequisites for actively expanding its influence on the Internet payments market. Almost all users of the global network have e-mail, and the Mail.Ru service is the leader in this area. Nevertheless, the use of electronic means of this service on the portals of online stores is rare due to the strong competition in the payment system market.