10 best e-wallets

With the development of the Internet and the emergence of global online stores, there is an urgent need for fast and secure payment for purchased goods and services. The decision came in the form of electronic money - the digital equivalent of real monetary units. They perform the same function as regular banknotes, allowing you to make payments online. For the implementation of e-transactions with monetary assets, specially developed software or, in other words, payment systems is used. At the moment, dozens of services have been created that function successfully throughout the world, as well as in Russia, Belarus and the rest of the CIS countries. Before you start your own wallet in one or more of them, we recommend that you familiarize yourself with the capabilities and benefits of each by studying our rating. It is based on the assessment of functionality, reliability criteria, support service activity and user feedback.

Top 10 best e-wallets

10 Skrill

The company "Skrill" was originally launched in the UK as MoneyBookers and today is present in 200 countries around the world, conducting daily transactions worth more than 13 billion euros. The service allows you to send and receive money in 37 currencies, but after opening the wallet, the account currency selected during registration cannot be changed. Frequently, freelancers, bookmakers and gamblers (professional gamblers) use Skrill services. The latter category numerically prevails over the others, since the company cooperates with the majority of online casinos and game servers, providing zero rates for depositing and withdrawing money.

It is because of the ease and simplicity of interaction that the web payment system is especially loved by users from Russia, Ukraine and Belarus. It is no coincidence that the English-language resource provides support in Russian. However, judging by the reviews, many doubt its competence to solve complex issues, especially related to chargeback (refund). Because of this, and also because of the limitation of operations within the system, some users characterize it not in the best way, preferring other “bills”.

9 Advanced cash

The youngest of the payment platforms - Advanced Cash - was registered in 2014, but in a short period of development, it managed to create branches in many countries around the world, including Russia (Togliatti). Having visited the website of the company, it becomes immediately clear that it treats its customers with respect, placing all the information necessary for them in prominent places and in concrete blocks. Thanks to this approach, potential users do not spend time studying complex formulations, but study tabular data and understand in a matter of minutes how these conditions are suitable for them.

The demand for the AdvCash wallet is quite high: its functionality allows you to pay various bills, freely exchange domestic currency (RUB, USD, EUR, UAH, GBP are supported), place an order for issuing a plastic or virtual card (from $ 15 one-time with free service and mail delivery) ). In the near future we plan to introduce mobile applications for online transfers using mobile devices on iOS and Android. After a simple registration, the main feature of which is the need to enter details in English, the user is asked to adjust the level of protection of their hard-earned money. One of them, the so-called. "Token", is involved in the withdrawal or receipt of large sums and provides the highest degree of security.

8 SolidTrustPay

STP is far from new to the payment system market, since it has been operating since 2006. However, in Russia the company is rather unknown, it is much better known in North America and Canada, where it comes from. Nevertheless, users, having familiarized themselves with the capabilities of the platform, often express bewilderment as to why it has not yet become popular. One of its advantages is favoring high-risk investment projects, including HYIP programs. If in other “bills” cooperation with HYIP threatens to block the wallet, then SolidTrustPay, on the contrary, in every possible way encourage it and regularly pay money.

But this does not mean that every fraudster can use the services of the system. As soon as the support service begins to receive massive complaints about a website, payments to it are terminated. After checking and obtaining evidence of fraud, the STP organizes a full or partial refund depending on the size of the balance on the admin-fraudster’s wallet. Those who do not participate in HYIPs, but need only a proven tool for the transfer of e-currencies, we can advise you to create a personal account - it provides instant money transfers between participants, while the fees remain minimal: 1.5% + $ 0.25 upon receipt, and The conclusion is completely free. The only pity is that the benefits of the system will not be felt by the people of Belarus for themselves - it does not work in this country.

7 Perfect money

The calculated e-system "Perfect Money" has deserved user loyalty due to a number of advantages. She is one of the few who offered clients to deduct income for keeping money in their wallets - from 4 to 7%. It is curious that, in addition to standard currencies, it is possible to have a wallet for storing gold. The commissions here are quite modest: 1.99% for anonymous accounts and only 0.5% for verified ones. But for unlocking you have to fork out for as much as $ 100, so it’s better not to break the rules of the system.

With protection from hackers, everything is in order - there are 3 levels of security on the site, and even the lowest one is very difficult to crack. Because of this, reviews often complain about systematic cases with requests to change the password. This happens when there are suspicions of hacking or infection of a PC with a virus - thus the company is reinsured from the actions of fraudsters. Additional confidence in the fact that the recipient has a high reputation adds Trust Trust Core Trust Index, which is difficult to deceive and impossible to hide. And yet, due to anonymity, the system is often used to launder money and monetize cybercrime, because of which it is impossible to start an account, for example, in the United States or transfer money there.

6 Payeer

The main feature of the platform "Payer" - the ability to remain anonymous, while using almost all the necessary functions.For example, a registered user, as well as a verified user, can perform international transfers, shop online and pay for various services, exchange currency on the domestic stock exchange and arrange for accepting payments to his website. The advantages of verification, which requires documentary proof of identity, lie in 2 points: increasing trust and the opportunity to replenish your account with MasterCard.

Among other advantages of the service is the multicurrency of the wallet. In addition to dollars, euros and rubles, Payeer allows you to work with cryptocurrency BCH, BTC, LTC and Dash, and not only receive and transfer to other accounts, but also store them in the form of savings. If you need to make an exchange, switching to third-party resources is optional - the service includes an instant exchange in all directions of usd / euro / rub, and on the internal exchange it is also allowed to earn on the difference in rates. You can also increase your income with the help of a 6-level affiliate program, getting bonuses for attracting new users.

5 ePayments

The British platform provides an easy way to earn money from foreign companies. Unlike some other systems, cardless transactions such as transfers between participants are organized here for free, transfers to the “crypt” and replenishment of the wallet from them are also free. You can withdraw money through third-party exchangers, which again distinguishes the system from competitors directly in the bank card of the Russian Federation (Moneysend, only in rubles) or at the expense of the partner system Webmoney, Kiwi or Yandex.Money.

But the greatest advantage of ePayments in the reviews is not called their own cryptocurrency exchange and not even having a FCA license, which implies strict oversight by the UK authorities for its activities, but an excellent attitude of the support service to user requests. Any question, not to mention the problem, is solved promptly and correctly, which, together with legislative protection, further enhances the credibility of the system. Epaints in Russia has a clearly good future.

4 Paypal

PayPal is a service operating in the territory of 200 countries and cooperating with the largest trading platforms: eBay, Airbnb, Ozon. In itself, the presence of its buttons on the site is a confirmation of the seller’s good faith. The capabilities of the system are as global as its development: calculations are made in 26 currencies, identified clients can withdraw up to 5 thousand dollars. USA, for online purchases in rubles, individuals use the services free of charge, and the company offers buyer protection with the possibility of a refund and goods. Not surprisingly, PayPal transactions are considered the most common method of payment along with bank transfers.

In addition to securing deals, the platform offers several more non-standard features. For example, representatives of small retail and mid-level entrepreneurs can use the PP Here mobile terminal with a relatively low commission of 2.7%. The PayPal.me function is also interesting: having created a personal page using a similar wallet, it becomes real to receive transfers from customers as if it were a commercial site. Activating the One Touch feature provides instant payment, bypassing the entry of credentials, without compromising security. Full functionality is available in Russia, where the local Currency Local program is active. Unfortunately, according to this model, the company operates in 21 countries, whereas in Belarus, Ukraine and another 95 countries of the world, from all functions, only sending a payment and receiving a return are available.

3 Qiwi

To bring a wallet in "Qiwi" is a matter of 5 minutes. No passport data entry is required, and the phone number will serve as the identification number, which is very convenient to remember.Money is entered through the terminals, which number more than 150,000 throughout Russia, salons of communication and other money intermediaries such as Western Union, Annelik or Kontakt. The commission is provided only when replenishing the account through a mobile account (max 9.9%), for the remaining options it is zero. As for external and internal transfers, as well as withdrawals, you need to be careful with the tariffs - in some areas they are quite high.

It is noteworthy that in 2012, Kiwi and Visa became strategic partners, as a result of which a debit card was issued. With its appearance, it became possible to directly use e-money when shopping online and offline, but not all sites support this “payment”. Not the strongest technical support should be attributed to its drawbacks: most payments take place normally, but incidents do occur, the solution of which takes a little more time and nerves from users than we would like.

2 Yandex.Money

Yandex.Money is one of the pioneers in the field of e-commerce in Russia and invariably among the top three. To register, it is enough to pass authorization using a social network or in a standard way, specifying your mailbox and phone number. The intuitive interface of the site and the availability of the mobile version create the conditions for conducting online transactions with a few clicks anywhere on the Internet. With the advent of the wallet from Yandex, standard opportunities are opened for depositing and withdrawing money, paying for various services, automatic transactions, checking financial history, etc.

In addition, participants are offered a plastic card, which is a full-fledged banking product. With its help, you can pay in regular stores, cash in ATMs, support charity projects. Servicing such a card costs 200 rubles. for the entire period of use (3 years), each operation is carried out with a commission of 3%. In the reviews, users note that it is much faster and more profitable to open a virtual card to pay with it in online stores - in this case, no commission is charged. There is a currency restriction in the e-system - the wallet is opened only in rubles, but it is allowed to link the purses of other systems to the account.

1 Webmoney

The WebMoney system has become widespread in Russia and Belarus, primarily due to accessibility. Any person without experience, having resorted to the instructions, which are numerous in the network, will be able to deal with the electronic system and get several purses with currencies interesting to him around-the-clock management. The service offers a dozen ways to deposit and withdraw your own money. With the receipt of a certain business level, it becomes possible to lend to other users at a small percentage.

All operations are carried out instantly with a constant commission of 0.8%, the value of which does not depend on the amount and electronic status. You can pay for both online purchases and some offline payments: traffic police fines, communal services, food delivery, tickets, mobile bill, etc. The risk of fraud is minimal: WM specialists are constantly working to strengthen the protection, and so far There was no mass hacking and theft of user funds. Nevertheless, the service provider also has disadvantages, including low popularity abroad and cases of wallet blocking, for example, for participating in a HYIP project.

Popular vote - which e-wallet is better?
We vote!

Webmoney

Yandex. Money

Kiwi

Paypal

Epayments

Payeer

Perfect money

SolidTrustPay

Advanced cash

Skrill

Total votes: 1

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