Electronic payment system OKPAY appeared relatively recently, it is available to users in foreign and Russian languages. OKPAY Inc. is an offshore company registered in the British Virgin Islands in 2009. If we compare the system with existing analogues, then it is something between AlertPay and LibertyReserve. The advantage of OKPAY is that it can be used for almost any type of business, with the exception of the child pornography industries. Actions related to investment projects, gambling and MLM are allowed. Thanks to such a diverse range of services, specialists predict a great future for the site www.okpay.com, which has a lot of reviews.
Key Benefits of OKPAY
This payment system has a number of advantages:
- Low commission percentage - in some cases it is 0%.
- Variety of deposit and withdrawal methods.
- Instant and secure transactions.
- Ability to send money to the user by e-mail.
- Easy exchange of electronic funds of different payment systems (LibertyReserve - 4%, AlertPay - 7%+0, 25, Liqpay - 4%).
- Receive payments from legal entities via the Internet.
- Pay standing bills online.
- Ability to make bulk payments.
- Receive interest on funds held in electronic accounts.
- Pay for goods and services in online stores.
- Online buying/selling currency.
- Easy integration process into existing store systems.
- One agreement for all payment options.
In a word, the resource has an extensive list of features, and positive reviews about the OKPAY wallet confirm this.
Registration in the payment system
The registration process in the OKPAY system is extremely simple and clear. All that is required from the user is to go to the main page of the site, then the "Registration" section. After that, a registration form will open, in which you need to enter some data:
- initials;
- age;
- gender;
- E-mail;
- indicate the reason for creating the account (personal use or business).
The interface of the resource is very simple, it contains many convenient widgets, one of which, for example, is the exchange rate. This is very convenient, since the actual data is always in front of your eyes and there is no need to run around different sites. The interface contains twoconsole: the left one displays information and the right one is functional.
Account verification
In order to get the maximum benefit from the OKPAY website, you need to go through the verification procedure, because otherwise the following restrictions are imposed on the account:
- The maximum limit for sending funds through the OKPAY system is 300 euros.
- The impossibility of withdrawing funds from the account, they can only be exchanged for another currency through exchangers.
In order to remove these restrictions, you need to take a few simple steps:
- Verify your identity. To do this, you need to specify passport data in your personal account and attach a photocopy/scan (just take a picture of the second page of your passport with your phone or digital camera).
- Verify address. To do this, you must specify at least one address in the user profile and attest to it with some document. This can be a registration stamp in your passport, a utility bill, etc.
- Verify mobile phone. Phone number confirmation is a paid service, the cost is 0.70 euros (you need to buy an SMS package of 10 pcs.). Please note that this item is optional.
- Verify email. E-mail confirmation is performed in a standard way, i.e. a message with a link to which you need to go will be sent to the address specified during registration.
Checking the account according to the data declared by the system is carried out inwithin three days.
Depositing funds to OKPAY
You can top up your personal account in different ways:
- Bank transfer. If you credit money to the account in small amounts, it turns out to be very unprofitable due to the large commission. The bank charges 1% of the amount, but not less than 12$ or 10€. But judging by the reviews about OKPAY, this does not bother users.
- Transfers by the Contact system - this method is available only to verified accounts.
- Using other payment systems - LibertyReserve - 4%, AlertPay - 7%+0.25, Liqpay - 4% and more. Most often, replenishment through payment resources is carried out instantly, but if they have doubts about the validity of the operation, then additional documents may be required, and the payment will be frozen.
- Certified exchangers.
Reviews about the OKPAY payment system indicate that replenishing an account is a fairly simple operation, and any client can choose a method convenient for him.
Withdraw funds from OKPAY
The service is only available for verified wallets. You can withdraw money in different ways:
- Transfer to any bank account. The minimum withdrawal amount is 5 thousand rubles / 150 euros / 150 dollars. The transaction fee is 1%.
- To OKPAY debit card.
- Through other payment systems. Reviews about OKPAY lead to the conclusion that this is the most common way among users.
- Cashing out funds using certified exchangers. Minimum amount for$10 withdrawal.
The term of the operation depends on many factors, but most often the money arrives within a few minutes. Reviews about withdrawing money from OKPAY confirm this.
OKPAY bank card
Most payment systems today offer their customers to issue an electronic wallet in the form of a plastic card, OKPAY is no exception. An OKPAY bank card is no different from a regular credit card. It was issued on the basis of MasterCard, which, according to the company itself, is the most convenient "plastic".
To receive a card, you need to go through the verification process and pay $15. The production of the card takes from 21 to 27 days, after which it will be delivered to the user's home. If desired, the production time can be reduced to 5 days, however, in this case, you will have to pay $ 70 already. In addition to a physical card, you can issue a virtual credit card in the system, the cost of which is $15. The validity of a bank card is 2 years, virtual - 1 year.
OKPAY bank card is a full-fledged product, you can pay with it at the cash desks of shops, cafes and restaurants, withdraw cash and replenish your account, most importantly, do not forget about the existing commissions.
Reviews from OKPAY customers who have already used it are very different. Some are completely satisfied with the conditions, while others are embarrassed by commission fees. But if you study the information, you can see that all payment systems have them.
Card fees
Afterto receive an OKPAY bank card, it must be activated by following the attached instructions, or on the receipt of okpay payment website (according to reviews found on the network, it is better to use the second option). This service is paid, 10 dollars will be deducted from the account.
Commission for replenishing the card account from the wallet - 3% of the amount, in the opposite direction also 3%. When withdrawing cash (the operation can be performed at any ATM), the fee is 2% of the amount, but not less than $3. When paying through POS-terminals, for example, in shops, restaurants, etc., no commission is charged. But if the transaction is performed in a currency other than the dollar, then there is an automatic conversion at the rate set by MasterCard.
There must always be funds on the OKPAY card, the minimum amount is $10. As soon as the money is credited to the account, the system blocks this amount as a fee for closing the card account.
Card limits
The following withdrawal limits are set on the OKPAY bank card:
- No more than three withdrawals per day for a total of $750.
- 30 cash outs up to $5,000 per month.
For non-cash payment:
- 80 transactions per day up to $3,000.
- 60 monthly payments up to $15,000.
How to make money with OKPAY
OKPAY payment system can be used not only to store funds and pay bills, but also to receive additionalearnings. Moreover, this fact is confirmed by the reviews about OKPAY found on the network. There are several ways to earn money:
1. Daily bonus from the online exchanger Ok-change. To make a profit, you need to register on the resource and click on the "Bonus" button located in the header. In the window that appears, you need to enter the current euro and dollar rates (you can see it on the main page if you hover over the EUR icon), your email address, the symbols in the box below confirm that you are not a robot, and click the Get Bonus button. After that, the user's dollar wallet will be credited from $0.01-0.02. You can repeat this operation once a day.
2. Affiliate program. The okpay.com portal (reviews of which are very positive) has a two-level referral program:
-
1 level of referrals - the user receives a bonus of 20% of the amounts spent by all attracted referrals. In addition, bonuses are awarded:
- a) Debit card issuance $1 for regular delivery, $3 for express delivery.
- b) For account replenishment - 0.20 dollars for each operation.
- c) Deposits – 0.5%.
- d) Cash out - $1 per transaction.
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2nd level of referrals - 10% of all commissions are charged. Additional rewards:
- a) For ordering a card - $0.25 (normal delivery); $1 for express delivery.
- b) Replenishment - $0.10.
- c) Deposit – 0.25%.
- d) Withdrawals - $0.50.
3. Promotion of OKPAY on your own website. In order to receive additional income, the site owner needs to create a special page with information about the OKPAY payment system. Each person who comes from this resource, regardless of who posted the text, automatically becomes your referral. To participate in the program, fill out a special form on the OKPAY official page.
4. Bonus for those sites that accept payment through the OKPAY service. Each of your new clients who make their first purchase is added to your referral list (unless they have another referral).
5. Online exchangers. You can receive additional income if you exchange different electronic currencies. For this category of users, okpay.com provides additional conditions - they have the opportunity to obtain the status of an OKPAY certified partner. Each new user who completes the exchange operation automatically becomes a referral.
Which resources OKPAY accepts
Today, the okpay.com payment system is found only on jillsclickcorner.com and donkeymails.com. The minimum withdrawal amount is 10 cents, and you can do it without commission.
Summing up
After studying all the reviews about OKPAY, we can conclude that the new payment system has started well, but for now that's all that can be said. Developers and owners of the resource take care of Russian-speaking users, do not forget aboutexpanding functionality, improving the interface, but all these changes are badly reflected in the tariffs, which are rising. In the future, OKPAY has all the prerequisites for a strong justification in the world of electronic payment systems, but until this happens, it is better to use the resource as an alternative option when there is no other option. Despite the growing tariffs, they still remain minimal, which undoubtedly attracts users. In the future, OKPAY has every chance to take a leading position, because only here there is the possibility of parallel work with three different currencies.
