Which is better - "WebMoney" or "Yandex. Money"? Choosing an electronic payment system for active use is not as easy as it seems. Today we will talk about the most famous virtual wallets. What are the pros and cons they have? How to get started with each resource? What is better to give preference? All this and more will be answered below.
Description of services
Which wallet is better - "WebMoney" or "Yandex. Money"? Understanding this issue is not so easy. Each user decides what is more convenient for him to use. Next, we will look at the strengths and weaknesses of each service.
In any case, the proposed resources are electronic payment systems. Virtual wallets that are convenient to work with. Registration is completely free. Anyone can use the services, but it is better to open an account here after the age of majority - this way the person will have all the possibilities of paymentsystems.
Currencies with which services work
Which is better - "Yandex. Money" or WebMoney? It is worth paying attention to what currencies each service works with. This is an important point.
"Yandex" uses the Russian ruble as the main settlement currency. Therefore, this wallet is perfect for payments in Russia. The service does not work with other currencies.
WebMoney in this sense is considered more universal. This wallet uses the following types of currencies:
- WMR;
- WMZ;
- WMU;
- WMB;
- WMK.
Accordingly, it is convenient to use this service everywhere - in Russia, and in Kazakhstan, and in Ukraine, and in countries where dollars are accepted when making transactions.
Safety
Which is better - "WebMoney" or "Yandex. Money"? A comparison of these payment systems will help clarify the situation.
Both services work with money and personal information of users. Therefore, the security of wallets plays a huge role.
WebMoney is the leader in this area. The developers of this service took care of data security. To enter the system, the user will have to enter a unique PIN each time, sent to a mobile phone or email linked to the wallet.
At "Yandex" some operations require the indication of a transaction confirmation code, but for authorization it is enough to indicate the email address and password from the profile.
Important: to work with Yandex. Money, a Yandex mailbox is used.
Replenishment of accounts
Which web wallet is better - Yandex. Money or WebMoney? Some are interested in the simplicity of replenishing the account, because without money it will not be possible to work with services.
In terms of replenishment, Yandex has more advantages. This service works with most banks. The balance of the wallet can be replenished without any problems through some bank terminals and ATMs. Payment terminals such as "Qiwi" also help to replenish the user's account. You can transfer funds from your wallet and bank card to Yandex. Money as soon as possible.
WebMoney has similar ways to replenish an account. The difference is that this wallet charges a rather large commission for transferring funds to the account. "Yandex" sometimes allows you to replenish your account without additional costs or with minimal costs (up to 3% of the transfer amount). With WebMoney, the commission can reach 10%. It all depends on the chosen deposit method.
Transaction fee
Comparison of WebMoney and "Yandex. Money" will help you find out which wallet is better to work with. Pay attention to transaction fees.
"Yandex" can either not charge funds for transactions, or payments include a commission of about 2-3%. For example, when paying for utilities through this wallet, you will have to pay an additional 2% of the transfer amount, but not less than 30 rubles, for one account.
Operations via"WebMoney" provide a commission of 0.8%. In some cases, it reaches 3%, and sometimes it is completely absent.
Based on the above, we can conclude that Yandex charges less money from its customers for transactions. Especially if you do not use this wallet to pay utility bills with large amounts.
Withdrawals
Which is better - "WebMoney" or "Yandex. Money"? Another important point is the withdrawal of funds from the system.
Many users point out that Yandex offers more features. Especially if funds are needed urgently.
Money on "WebMoney" can be received:
- to a bank card;
- through payment systems like Contact.
If you wish, you can link your bank card to WebMoney. Then cashing out will be a minimum of hassle.
"Yandex. Money" offers more opportunities. You can withdraw money from them:
- to a bank card;
- transfer funds to the user's bank account.
Funds are not withdrawn through the Contact payment systems, but users are offered a more convenient option - using the branded Yandex. Money card. With it, you can make payments in stores like regular bank plastic. No additional transactions - the card account is a wallet account!
Accordingly, users will be able to easily withdraw money from the Yandex card inany ATM. A small commission is charged for the procedure (maximum 165 rubles). With full identification, users can withdraw funds without commission. Some ATMs allow cash withdrawals at no extra charge all the time.
Support
Which is better - "WebMoney" or "Yandex. Money" in terms of customer feedback and support? Feedback on the proposed services was divided.
Some say that WebMoney's support service is fast and efficient. Issues are resolved within a few days without much hassle. And therefore, you can rely on feedback from the administration of the service.
Someone says that "WebMoney" creates a lot of problems when contacting support. Answer long and formulaic. Some questions cannot be answered clearly. It does happen, but not very often. No one is immune from such situations.
About "Yandex" they also say differently. Some users complain that their problems are solved for a very long time. Like WebMoney, it is impossible to get clear answers to some questions.
Nevertheless, more and more often, Yandex has positive feedback about the work of the support service - all the news can be read directly on the wallet website. If you have any problems - contact the administrators on the proposed contacts. Pleases the presence of feedback in social networks - with their helpissues are resolved in a day or two.
Promotions and bonuses
So what is better - "WebMoney" or "Yandex. Money"? Some users are interested in promotions and bonus programs of payment systems. Do they exist?
WebMoney has no particularly interesting and useful promotions. "Yandex. Money" offers its customers more opportunities - and certificates for discounts in different stores, and bonus programs, and cashback for certain expenses. All this attracts customers! Information about current promotions can be found directly on the wallet page.
Where to stop
So which wallet to choose? It all depends on what exactly the user wants to do. Yandex. Money is perfect for shopping in Russia. This service provides for some restrictions, but if you fully identify the user, you can get rid of them. "WebMoney" is perfect for international transactions.
Some users start 2 electronic wallets at once and link them to each other. This is the best solution. Only after trying both payment systems in action, users will be able to decide what suits them more.
