The use of electronic currency greatly facilitates the life of a modern person. Shopping in online stores, paying utility bills, money transfers and much more is now available to everyone who has access to the Internet. In this article, you will learn everything about the most popular payment system "WebMoney".
What is "WebMoney"
Electronic payment system "WebMoney" (from the English. WebMoney) was created in 1998 and has been successfully operating to this day. As of 2015, the number of accounts in the system reached 25 million. More than 40% of Runet users are registered in the WebMoney system.
Virtual currency allows you to conduct any monetary transactions online, which makes it mobile and most convenient to use. In addition, "WebMoney" allows you to apply for loans with a low percentage per annum.
How to registerWebMoney
In order to create your own account in the system, you only need a valid e-mail, mobile phone number and a strong password. The latter should be given special attention, as cases of account hacking have become more frequent recently.
On the official WebMoney website, you need to go to the registration section and enter all the data. After that, an SMS message with a one-time code for account identification will be sent to the mobile phone number. Thus, the user confirms that he is a real person, and not a computer program. In addition, the phone number will be used in the future to confirm payment transactions.
Immediately after registration, access to your personal account becomes available, in which you are asked to select a currency for creating an account. For the convenience of making purchases and exchanging currencies, it is recommended to create two types of accounts at once - ruble and dollar, which are referred to as WMR and WMZ in the WebMoney nomenclature. The service for opening an account is absolutely free, as well as the maintenance of the system.
"WebMoney" in mobile phone
In order to make payments anywhere in the world, you can install a special WebMoney application, which is available for Android, Windows and iOS operating systems. Application maintenance is absolutely free and requires only login and password confirmation.
After installing the mobile WebMoney, the user can transfer funds and pay for servicesright from your phone. The main condition is the presence of an Internet connection.
How to fund your WebMoney account
You can transfer money to your WebMoney account in the following ways:
- Make a bank transfer or transfer money from a card.
- Deposit money through a payment terminal that supports WebMoney.
- Transfer money from another WebMoney account.
- Use the services of an intermediary by paying a commission for depositing funds.
You can replenish your account even without having a "WebMoney"-passport. However, it will be needed for future transactions.
Integration "WebMoney" in other services
Many network users have several electronic wallets in different systems at once. This allows you to transfer money between accounts in cases where payment is required on certain services that support only one virtual currency.
The second most popular in Russia is the Qiwi wallet, which allows you to make money transactions directly from your mobile phone account. In addition, Qiwi is the first unique electronic currency in the CIS countries.
In order to integrate WebMoney and Qiwi accounts with each other, you need to go through the procedure for identifying both accounts, which requires confirmation of the identity of the account owner. This is done for security and to exclude cases of hacking and transferring money to the accounts of intruders.
However, if for identification inthe Qiwi system just needs to fill in the passport data in your personal account, then in WebMoney you need to obtain a special certificate.
WebMoney certificates
The digital passport, which contains all the information about the account holder, is called the "WebMoney" passport. Such a document allows you to adjust the status of a member of the system and the degree of trust in him from other users. Therefore, the question of how to get a WebMoney passport becomes very relevant when registering on a payment resource.
There are 11 WebMoney certificates in total:
- Passport alias. This is the very first step, which is assigned to absolutely all users immediately after registration. The monthly cash flow limit at this stage is 30,000 WMR, which can only be done within the system. You can't make purchases or pay bills when you're a pseudonym.
- Formal WebMoney passport is the second and most important step. This level has 80% of system users who are individuals. A formal WebMoney passport allows you to withdraw funds from the system, pay any bills and increase your cash flow up to 50,000 rubles per month.
- Initial passport "WebMoney" - a paid digital passport for businessmen and individual entrepreneurs. The cost of this level is about $5. At the same time, the funds limit is increased to 90,000 WMR. The user receivesmany features that allow you to control funds and keep a virtual count of expenses.
- Professional or personal certificate "WebMoney" - the highest level. The cost of this level ranges from 10 to 50 dollars, while all WebMoney tools and the ability to fully and officially conduct remote business become available. The fourth stage is divided into several more components that indicate the narrow focus of the user's activity: seller, currency operator, developer, registrar, and so on.
How to get a formal certificate "WebMoney"
To get more opportunities in the e-currency system, you need to get the second level of the passport. A simple instruction will help solve the problem of how to get a WebMoney certificate. This will require a minimum set of documents and some free time.
After entering your personal account, you need to select the "WebMoney Certification Center" section. In the window that opens, the function "Get a formal passport" will appear. By clicking on the function, you will be taken to the personal data field, where you need to specify the full name, date of birth, place of residence, passport number and series, TIN code. Please note that all data must match the information in real documents.
After filling out the questionnaire, select the item "Upload copies of documents". In this section, you need to upload a scan of all pages of the passport and TIN to the server. If it is not possible to make a copy of documents, thenyou can just take a picture of them. The main thing is that the image is clear, and the moderator can compare the authenticity of the data.
12-72 hours after the documents are uploaded to the server, a notification about confirmation or rejection of the application for a formal passport should be sent to your personal account. Refusal comes only if the data stated in the questionnaire does not match the documents.
In order to check the status of your passport, you just need to go to your personal account. In the upper right corner, next to the personal WMID number, the "WebMoney"-passport will be indicated.
Can I get a loan in virtual currency
Recently, many services have begun to offer virtual loans. And now any Internet user can take a WebMoney loan. A formal passport in this case will be a guarantor of trust and confirmation of the borrower's personal data.
The interest rate of the system is 12% per annum for loans over $200. Only holders of a personal or initial passport with a high business level in the system can receive such a loan. Therefore, if you are interested in a WebMoney loan with a formal passport, you should not count on a large amount.
In any case, getting "payday cash" around the world is a very convenient feature. Especially now, when it became possible to apply for a loan without leaving home. The main condition is to pay the funds borrowed from the system on time.
Loan"WebMoney" with a formal passport
To apply for a loan, you need to apply in your personal account "WebMoney". To do this, select the item "Issue a loan" and indicate the amount you need.
When checking the application, the moderator will take into account all factors: the number of cash transactions for the entire time of using WebMoney, the absence of debts to other organizations and the presence of positive feedback from other participants in the system.
After confirming the issuance of the loan, which takes from 12 to 24 hours, a wallet with the name D or C is automatically created, from which the debt to the system will be written off. Remember that you need to indicate in advance the period for which you can repay your loan so that there are no problems with the administrators in the future.
How to withdraw WebMoney into cash
A positive loan decision is certainly good news. But then another question immediately arises: "How to cash out the money received?" To do this, if you have a "WebMoney" certificate, the payment system offers several options:
- Transfer to bank account or card.
- Withdraw funds via Russian Post.
- Withdraw through another currency system, for example, Qiwi.
- Transfer to the intermediary's account, which will withdraw the money in a way available to him.
Some payment systems, for example, Yandex. Money, offer the service of issuing a plastic card for withdrawing money through an ATM.
What to do if your WebMoney account is hacked
Unfortunately, such incidents are quite common. In order for your WebMoney account not to be attacked by intruders, you need to follow a few simple rules:
- When registering, create the most complex password. For this purpose, it is best to use a virtual password generator that allows you to create complex combinations of letters and numbers.
- Do not leave your wallet details on suspicious resources.
- Do not make payments on sites whose honesty you doubt. Before buying, be sure to check the resource for a WebMoney certificate.
- Don't add questionable wallets to your contact list.
Of course, it is difficult to completely secure your money. And if your account was nevertheless hacked, then you need to immediately change your password and contact technical support. However, judging by the reviews on the network, moderators are not always able to trace the transfer of funds and identify the fact of hacking or theft. Therefore, you should not particularly rely on the conscientious work of the service and try, if possible, not to keep large amounts in a virtual wallet.
Can I remove "WebMoney"
The disadvantage of the electronic payment system is that it is impossible to delete your data and accounts. After assigning a formal certificate, all information remains forever on the resource. Perhaps the creators"WebMoney" use this method to attract more customers and recruit a database of mailing addresses for spam.
You can try to delete your data completely only after a personal appeal to the WebMoney office in Moscow. But, you see, not every network user has such an opportunity. Therefore, before registering in the system, weigh all its advantages and disadvantages.
Other electronic currency systems
As mentioned earlier, along with WebMoney, Qiwi wallet is very popular in Russia. Despite the fact that this payment system does not have a delete function, it has a number of advantages. Firstly, these are instant payments anywhere in the world. Secondly, convenient integration with any payment systems and quick identification. Thirdly, the possibility of obtaining a loan is the same as a WebMoney loan with a formal certificate.
"Yandex. Money" is also in demand among residents of the CIS countries. The main advantage of this resource is the issuance of a plastic card, thanks to which you can withdraw cash at any ATM in the city.
Electronic payment systems such as PayPal, Payeer, PerfectMoney, which are more suitable for foreign exchange transactions with foreign resources, are less popular.
