10 best e-wallets

Skrill originally started out in the UK as MoneyBookers and today has a presence in 200 countries around the world, transacting over €13 billion a day. The service allows you to send and receive money in 37 currencies, however, after opening the wallet, the account currency selected during registration can no longer be changed. Most often, Skrill services are used by freelancers, bookmakers and gamblers (professional gamblers). The last category numerically prevails over the rest, since the company cooperates with most online casinos and game servers, providing zero deposit and withdrawal rates.

It is thanks to the ease and simplicity of interaction that the web payment system is especially fond of users from Russia, Ukraine and Belarus. It is no coincidence that the English-language resource provides support in Russian. True, judging by the reviews, many doubt her competence to solve complex issues, especially those related to chargeback (payment 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 "payments".

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 of the world, including Russia (Tolyatti). Having entered the company's website, it immediately becomes clear that it treats its customers with respect, placing all the information they need in prominent places and in specific blocks. Thanks to this approach, potential users do not waste time studying complex formulations, but study tabular data and in a matter of minutes understand how these conditions suit them.

The demand for the AdvCash wallet is quite high: its functionality allows you to pay various bills, freely exchange local currency (RUB, USD, EUR, UAH, GBP are supported), place an order for the issuance of a plastic or virtual card (from $ 15 one-time with free service and delivery by mail ). In the near future, mobile applications for online transfers using mobile devices on iOS and Android are planned to appear. After a simple registration, the main feature of which is the need to enter details in English, the user is prompted to set the level of protection for their hard-earned money. One of them, the so-called. "token", is used when withdrawing or receiving large amounts and provides the highest degree of security.

STP is far from being a newcomer to the payment systems market, as it has been operating since 2006. However, the company is rather little known in Russia, 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 why it has not yet become popular. One of its advantages is its favor for high-risk investment projects, including HYIP programs. If in other "payments" cooperation with HYIP threatens to block the wallet, then SolidTrustPay, on the contrary, encourages it in every possible way and regularly pays out 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 site, payments to it stop. After verification and receipt of evidence of fraud, STP arranges a full or partial refund, depending on the size of the balance on the wallet of the fraudster admin. For those who do not participate in HYIPs, but only need a proven tool for transferring e-currencies, we can advise you to create a personal account - it provides instant money transfers between participants, while the commission remains minimal: 1.5% + 0.25 $ upon receipt, and Withdrawal is completely free. The only pity is that the advantages of the system will not be felt by the residents of Belarus - it does not work in this country.

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

With protection against hackers, everything is in order - the site has 3 levels of security, and even the lowest of them is very difficult to hack. 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 scammers. Additional confidence that the recipient has a high reputation is added by the Trust Core trust index, which is difficult to deceive and impossible to hide. And yet, because of the anonymity, the system is often used to launder money and monetize cybercrime, which makes it impossible to open an account, for example, in the United States or transfer money there.

The main feature of the Payer platform is the ability to remain anonymous, while using almost all the necessary functions.For example, a registered user, just like a verified one, can make international transfers, shop online and pay for a variety of services, exchange currency on the internal exchange, and organize the acceptance of payments on his website. The advantages of verification, which requires documentary proof of identity, are in 2 points: increased confidence and the ability 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 BCH, BTC, LTC and Dash cryptocurrencies, 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 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, receiving bonuses for attracting new users.

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

But the greatest advantage of ePayments in the reviews is not its own cryptocurrency exchange and not even the presence of an FCA license, which implies strict supervision of the UK authorities over its activities, but the excellent attitude of the support service to user requests. Any issue, not to mention a problem, is resolved promptly and correctly, which, together with legislative protection, further enhances confidence in the system. Epaintmens clearly has a good future in Russia.

PayPal is a service that operates in 200 countries of the world and cooperates with the largest trading platforms: eBay, Airbnb, Ozon. In itself, the presence of his button on the site is a confirmation of the good faith of the seller. The possibilities of the system are as global as its development: settlements are made in 26 currencies, identified clients can withdraw up to 5 thousand dollars. USA, for purchases on the Internet in rubles, individuals use the services for free, and the company offers buyer protection with the possibility of returning money and goods. Not surprisingly, PayPal transactions are considered the most common payment method, along with bank transfers.

In addition to securing transactions, the platform offers several more non-standard functions.Thus, representatives of small retailers 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: by creating 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 without entering credentials, without compromising security. Full functionality is available in Russia, where the internal Local Currency program operates. Unfortunately, according to this model, the company operates in 21 countries, while in Belarus, Ukraine and 95 other countries of the world, only sending a payment and receiving a refund are available from all functions.

Getting a wallet in Qiwi is a matter of 5 minutes. No entry of passport data is required, and the phone number will serve as an identification number, which is very convenient for remembering. Money is entered through terminals, of which there are more than 150,000 throughout Russia, communication stores and other money intermediaries like Western Union, Annelik or Contact. The commission is provided only when replenishing an account through a mobile account (max 9.9%), for other options it is zero. As for external and internal transfers, as well as the withdrawal of funds, you need to be careful with the tariffs - in some directions 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 making purchases online and offline, but not all sites support this "payment". Its disadvantages include not the strongest technical support: most payments go through in the normal mode, but there are also incidents that take users a little more time and nerves than we would like to solve.

Yandex.Money is one of the pioneers in e-commerce in Russia and consistently ranks among the top three. To register, it is enough to go through authorization using a social network or in the standard way, indicating your mailbox and phone number. The intuitive interface of the site and the presence of a mobile version create the conditions for online transactions in a few clicks, anywhere where there is an Internet connection. With the advent of the Yandex wallet, standard options for depositing and withdrawing money, paying for various services, automatically performing transactions, checking financial history, etc. open up.

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 out at an ATM, support charitable projects. Maintenance of 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 in order to pay with it in online stores - in this case, no commission is charged.The e-system has a currency restriction - the wallet can only be opened in rubles, but it is allowed to link wallets of other systems to the account.

The WebMoney system has become widespread in Russia and Belarus, primarily due to its availability. Any person without experience, having resorted to instructions, of which there are many on the network, will be able to figure out the electronic system and get several wallets with currencies of interest to him for round-the-clock control. 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 from other users at a small percentage.

All transactions 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, utility bills, food delivery, tickets, mobile bill, etc. At the same time, the risk of fraud is minimal: WM specialists are constantly working to strengthen protection, and so far there are no cases with massive hacking and theft of user funds was not. However, the service provider also has disadvantages, including a low level of popularity abroad and cases of blocking the wallet, for example, for participating in a HYIP project.