Electronic wallet for your computer. How to create an electronic wallet. How to open web money your electronic wallet. Instructions on how to create a webmoney electronic wallet

Creating an electronic wallet in the WebMoney system will allow you to start working on the Internet. This can be compared to buying a wallet, because the money you earn needs to be put somewhere. In real life, we put them in our wallet; when working on the Internet, you also need to put your salary somewhere. Next we will look step by step , Let's write down your wallet number to deposit or withdraw money.

To create your own wallet on the Internet you need:

1. Go to the website of the webmoney.ru system and register on it.

2. After successful registration, proceed to creating your own electronic wallet.

How to register on the WebMoney website

To register, you will need (Email) and a mobile phone at hand. The registration process will take you no more than 10 minutes, then I will describe how to correctly register on the WebMoney website.

1. On home page in the right top corner click on the Registration button.

2. After this, a new window will appear, you will be asked to enter a phone number, do so. You will be sent an SMS with a confirmation code. Subsequently, the system will send you passwords to confirm the transfer of money and make payments. In general, the phone number is entered for security purposes so that no one can steal or spend your money without your knowledge. Enter your number and click the continue button.

3. A new page will appear again on which you need to enter your personal data. If you are going seriously and for a long time, then I recommend that you indicate all the data as in your passport. Don't worry, no one except you will be able to see or somehow find out this data. At the end, you need to select a security question and give an answer to it, take this seriously, you never know if you forget your password, then this data will help you log into the site. After that, click on the Continue button.

4. On the page that opens, you need to check whether you filled out the required form fields correctly, if everything is fine, click Continue, or go back and correct what is needed.

5. The next stage of registration is checking your Email, you have already been sent an email with a code, you need to check your email, copy the received code and enter it on the website in the appropriate window. Below you see an example of a letter to your email.

6. Now enter this long one registration code to the WebMoney website page and click Continue.

7. We are almost done, all that remains is to check your mobile phone and come up with a password. Next we check the phone. You will receive an SMS, you do not need to send any messages, the WebMoney system will send you an SMS itself. Enter the received code into the required window and click Continue.

8. Well, come up with everything good password so that no one can hack it and indicate it in the window that appears. If you later feel that your password is too simple, you can change it as many times as you like. Click OK.

That's all, as you can see, there is nothing complicated. Now you are a full participant in the WebMoney system. In order to start using electronic money, you need to create a wallet or several wallets.

Just a couple of clicks and you will have your own wallet on the Internet. It will expand your opportunities, allowing you not only to earn money without leaving your home, but also to spend it by paying for various goods and services, including Internet access and a mobile phone. So let's get started.

1. In the menu bar, select the Wallets section, and then click on the create button, as shown in the figure below.

2. After that, you need to select the type of wallet (, WMR, etc.) that you want to create. I’ll say right away that I created all the available wallets for myself at once, because you never know what currency you will need. Next, accept the terms of the agreement and click create.

3. If everything is done correctly, and it’s difficult to make a mistake here, then you will see a screen like this.

Remember, the created wallets can no longer be deleted and they will remain with you forever, but, as they say, they don’t ask for food, so I think they won’t bother you. Beginners often ask where and. It can be seen below, under the name, wallet numbers consist of a letter and 12 numbers. For example, Z250496547658 will be the number of your dollar wallet.

What's next? I recommend that you explore the possibilities of this payment system, because they are not limited only to storing money earned on the Internet and withdrawing it into real life, you can spend WebMoney directly on the Internet, and today you can buy almost everything with it.

The electronic payment system is money transfers over the Internet. Unlike bank cards VISA or MASTER CARD, these transfers are carried out outside bank control. To store this money, special identification cells are created - electronic wallets. In this article we will talk about what electronic wallets are, how to create them, how to deposit and withdraw money and what their essence is.

What is an Electronic Wallet

Currently online wallet is the tool with which you can live fully without having a regular wallet. The only difference is that the unit of payment is not real pieces of paper, but electronic money, which is placed on the balance sheet of certain organizations - operators of electronic Money. Within such a structure, a wallet with a unique identifier is created for each client, in which funds will be stored - real money, only in in electronic format, similar to a VISA card.

Accounts in electronic payment systems ( EPS) open in any currencies ( rubles, dollars, euros, etc.), separate accounts can be opened on your account in different currencies, and conversion between them will take place at the bank rate. In essence, this is the same money, but it is valid only on the Internet, where all its circulation takes place. They can be expressed in different currencies and can be successfully exchanged for real money.

Any payment system has its own commission for carrying out certain operations. In fact, this is their main income.

The essence of electronic wallets

The global electronic payment system has the breadth and functionality of a banking system, which represents the basis of the economy of any state. Now all Internet businesses and online commerce work only thanks to such a service. The most popular representatives of this trend are QIWI, WebMoney, Yandex.Money, Skrill (Moneybookers), PayPal and some others.

The essence of electronic wallets is that they allow you not only to pay for a product or service, but also to earn money, receive money and transfer it. The system of all electronic payment systems works according to the scheme of input/output of funds, which allows you to perform various settlement operations and turn electronic funds into tangible ones.

• There are a huge number of people online who earn income from freelance activities, which are paid remotely electronically.
• Someone makes money by exchanging money, for example, you need to transfer funds from WebMoney to Yandex.Money.
• If you start a website and make money from advertising, then most likely the money will come to you in an electronic wallet that you specify yourself.

Even if you don’t work on the Internet, you may find an electronic wallet useful when making purchases; for example, guitar courses can be purchased through the Yandex.Money system.

How and which e-wallet to choose

Before choosing an electronic wallet from a particular provider of electronic currency services, you need to familiarize yourself with their capabilities and advantages. Each payment system characterized by the degree of ease of use, functionality, and scale of application.

For many users, the best e-wallet is the one that registers quickly and clearly, and whose functions for depositing/withdrawing funds are arranged in the most uncomplicated and accessible way.

What does prevalence mean?

Here we are talking about the number of Internet resources that accept the currency of a specific EPS for payment, as well as payment terminals that work with it; in general, the more popular the EPS, the more widely you can use it.

Well, functionality, this includes everything related to the set of tools for working with the wallet and additional options. These are, first of all, methods of depositing/withdrawing funds, the possible currency of the electronic wallet, the operation of security systems, active support service, commission, etc.

To determine which e-wallet is best, consider how and where you want to use it. In some cases, it is better to create a wallet in several payment systems.

Moreover, there are no fees for its creation and maintenance.

Why do you need an electronic wallet?

Poll Options are limited because JavaScript is disabled in your browser.

To work in the system and withdraw money to the card * 20%, 519 votes

Get paid for work 18%, 469 votes

Shopping online 8%, 209 votes

Receive transfers from abroad * 7%, 178 votes

use in any monetary transactions * 3%, 67 votes

For playing in an online casino * 2%, 50 votes

Top up your deposit with a broker 2%, 49 votes

How to create an electronic wallet to receive the winnings that I won, I live in LPR * 1%, 28 votes

How to get money that I won and live in the DPR * 1%, 17 votes

for crypto currency exchange * 1%, 16 votes

How to create an electronic wallet to receive the winnings that I won * 1%, 14 votes

Pay employees 0%, 7 votes

Won live in Odessa * 0%, 5 votes

wallet for receiving funds in Kharkov * 0%, 4 vote

Won. I'm alive. V. Dnieper. Region * 0%, 4 vote

won and live in Kherson * 0%, 3 vote

Won live in Znamenka * 0%, 2 vote

won I live in Zhytomyr * 0%, 1 voice

won I live in Transcarpathia * 0%, 1 voice

Receive money from the stream * 0%, 1 voice

Receive money in ficbook * 0%, 1 voice

Won I live in Nikolaev * 0%, 1 voice

* - added by visitor

How to create an electronic wallet

Once selected electronic system, you can proceed to registering your wallet. To do this, you will need a scan of your passport and a few minutes of time.

Each electronic payment service provider has its own website, QIWI has https://qiwi.com, WebMoney has https://www.webmoney.ru, PayPal has https://www.paypal.com/ru, Yandex.Money is https://money.yandex.ru, etc. Actually, these are the most popular payment systems in the post-Soviet space.

By following the link, you will be taken to the main page, where you have access to the item “ registration" or " create a wallet" To receive an electronic wallet, you need to register an account by entering all the required information about yourself in the form. Here, depending on the EPS, you may need your full name, passport details, telephone number, email address - it is important to enter real information, a valid email address and telephone number, since they will receive codes to confirm transfers, and this is also for your safety.

If all fields are filled out correctly, all you have to do is click the “ create", after which the system will ask you to confirm the operation with the code from the message or activate the link sent to your e-mail. After final confirmation of all information, the account is activated and the owner receives a unique number for his wallet.

Even if the wallet has already been created, it would be useful to once again familiarize yourself with the EPS tariffs. As we have already said, servicing and creating a payment account is a free and unlimited procedure, but transferring money comes with a percentage or fixed commission.

We’ve already decided how to create an electronic wallet, and now let’s figure out how to use it. Let's look at the main functionality for depositing and withdrawing money and transfers.

How to top up an e-wallet

If the steps to create an electronic wallet were needed only to receive a reward for working on the Internet, then you can skip this point. Although in this case such information will not be superfluous. So, after the e-wallet has been opened, you can top it up. The following options are available for this:

• Top up your e-wallet with cash payment. You need to go to the nearest payment acceptance point or terminal, where a formal exchange of currency for electronic money will be carried out and credited to your wallet account.
• Top up your e-wallet with a payment card. You need to buy it at your nearest point of sale ( kiosks, mobile operator offices, shops, etc.) card from the desired electronic service provider and activate it in your account, following the prompts. But upon purchase, the seller’s commission is added to the card’s face value. Therefore, this is not the cheapest method and, frankly, inconvenient.
• Enter funds into your e-wallet using a card or Bank transaction . Here you need to use the card in a terminal that performs this function and transfer money. Although you can trust the work of Internet banking, such as Sberbank online, and make a transfer on this site. Also, right on the website of your EPS, you can top up money from your card online by simply following the instructions. If you need a bank transfer, then personal account you can take the details for replenishing your electronic account.
• You can use the services of another payment system through special exchangers, for example - bestchange.ru.

Payment by electronic wallets

After the electronic wallet has been topped up, these funds can be used. Payments in virtual banknotes are accepted by websites of various online stores. They are used to pay mobile communications, loans, utilities and other services. Most users use EPS instead of bank accounts, accepting transfers for services provided or goods sold. For example, you sold a nesting doll to Canada, the buyer paid you via PayPal - you did not need to show him your details, first name, last name, phone number... At the same time, the Canadian did not have to show you his details bank card.

In general, such functions ensure the popularity of these payment systems, because they provide enormous opportunities for mutual settlements online, without leaving home.

How to withdraw money from an electronic wallet

Withdrawing money from electronic wallets can be done “zero” or partially. To do this, you can use the following methods:

• Withdraw money to a bank card. In order to instantly withdraw money from an electronic wallet to this card, you need to add it to your account in your EPS personal account. Often, to confirm the authenticity of the card, the system charges 1 cent from it with a note on the transfer in which it sends a confirmation code. You can find out this information from your bank or through your Internet banking account.
• Withdraw funds by bank transfer. This item is more complex, but in terms of commission the most economical (about 1%). You need to create a payment order indicating all the necessary account details. The disadvantage is the speed of withdrawal, since the application is processed within three days, and the bank transfer itself can take up to 7 days.
• Use the services of electronic payment points or terminals. For this operation, you need to obtain a password in your account in advance. The commission will be about 3-5%.
• You can cash out money at the EPS office itself, especially this will not be a problem for residents of large cities where such offices are concentrated. For example, on the WebMoney website you can find out the addresses of certified points for withdrawing money in all cities around the world.

Reviews of the best e-wallets

When the meaning of the existence of an electronic payment system has become clear, before creating an electronic wallet, it’s time to consider the most popular and best representatives of this service sector.

QIWI e-wallet

One of the best electronic wallets is QIWI EPS. This international electronic payment system has been operating since 2007. In 2008, the brand was approved, which continues to this day. In 2010, the payment system was named " QIWI Wallet", which was previously called " Mobile wallet" And after the adoption of the global cooperation agreement in 2012 with VISA, this EPS was transformed into Visa QIWI Wallet. This is how we know her now.

Its popularity is associated with the ability to use an electronic wallet on your phone by installing mobile app, and your login will be your phone number.

So, today the Qiwi e-wallet is a unique resource for instant payments. Among its features and advantages are the following:

• Payment for Internet and TV provider services, mobile operators, landlines, housing and communal services and various online services.
• Opening your own VISA QIWI Wallet bank card linked to your wallet.
• Ability to create a wallet in 4 currencies. By default, the wallet will be in rubles upon registration, but then you can make it simultaneously in dollars, euros and Kazakhstani tenge.
• The commission for most monetary transactions is minimal (1.5-2%).

Registration in QIWI

To start using services through the QIWI e-wallet, you need to open the EPS main page, enter your phone number and click the “ create a wallet" An SMS with a code will be sent to the specified phone number. The phone number will be the login to log into your account.

Depositing money into a QIWI wallet

There are several ways to top up your account:

• using a bank card;
• through payment terminals both own and partners;
• at ATMs of most Russian banks;
• using Internet banking ( Sberbank online service);
• by making a bank transfer, creating a payment order;
• go to any communication salon ( Euroset, Svyaznoy, Megafon, MTS, etc.);
• through wallets of other electronic service providers ( Yandex, WebMoney, etc.);
• use the services of systems money transfers (Unistream, Contact)
• make a translation from your phone number.

In most cases there is no commission, with the exception of input from a mobile phone ( maximum for YOTA is 6%) or money transfer ( on average 2%).

Withdrawing money to QIWI wallet

• Transfer to a bank account or Maestro. Commission 1.5 - to the account from the amount, but not less than 50 rubles, and 2% - to the card. The maximum amount for transfer is 15 thousand rubles.
• Cash can be withdrawn through money transfer systems Unistream, Privat Money, Contact, Western Union. The commission is also from 1.5 to 2%.
• Use the services of Russian Post. Commission 2.5% + 60 rub.
• Release plastic card Visa linked to an account in the QIWI system. With its help, you can pay and withdraw money at any ATM that cooperates with VISA.

Electronic wallet WebMoney

The best electronic payment system, WebMoney, was created in 1998, and its logo was a winking ant. To date, over 28 million wallets have been registered in this system. It is known that a third of all electronic payment accounts in Russia use this particular system. Therefore, a Russian-speaking technical support service has been organized around the clock by phone +74957272007 or by mail [email protected].

The WebMoney electronic wallet can be opened in several currencies, and each of them has its own currency symbol - an identifier, the wallet number begins with a Latin letter, which means the account currency, for example, dollar wallets begin with the letter Z, and ruble wallets with the letter R. On the Internet, these accounts are designated as WMZ, WMR and so on, which means WebMoney in dollars, rubles...

• 1 WMR = 1 ruble
• 1 WMZ = 1 US dollar
• 1 WME = 1 euro
• 1 WMU = 1 hryvnia

Such identification allows for settlement and exchange transactions. In addition, the system provides the ability to work with several currencies simultaneously.

The main advantages due to which electronic WebMoney wallet so popular are:

• simple initial registration, allowing you to immediately work with many services;
• Huge functionality - the ability to work only from a browser, from a phone, from a computer;
• WebMoney issues its own bank cards;
• opportunity to apply for a loan using an electronic wallet!
• Complex systems for protecting passwords and personal data - keys in the form of files, connecting E-NUM security systems and other methods.

How to withdraw money from WebMoney

There are several options for withdrawing funds from your wallet:

• Withdraw money to a bank card. The commission will be 1%. But the withdrawal can only be made in the currency in which the card is issued.
• Through the money transfer system ( Zolota Korona, Unistream, Contact, Leader, etc.). Withdrawals can only be made from ruble wallets in the Russian Federation. Commission 0.5-3%.
• With the help of exchange offices - offices in your city.
• You can open payment cards Cards. Maestro and MasterCard Standard operate in the Russian Federation. Commission 0.6 + 0.8%.

How to top up your WebMoney wallet

• by bank card (commission 2-2.5%);
• via mail (2.2%);
• through payment terminals (1%);
• from a mobile phone (6-12%);
• payment cards (0%);
• through ATMs (1-3%);
• in bank branches (1-6%);
• at WebMoney exchange offices (0-4%).

Electronic wallet Yandex.Money

The Yandex.Money electronic payment system was created on the basis of the well-known Russian search engine in 2002. Very convenient and simple service for payment for services, exchange and transfer virtual money. Like other systems, this one has a mobile application and a working website.

Yandex.Money was created to make instant payments between its users. And all users are residents of the Russian Federation, so the only currency of the wallet was the Russian ruble. But the system does not charge commissions for replenishing your account and paying for the services of Internet resources cooperating with it. And when making a transfer, the commission will be only 0.5%. For users who prefer only rubles, this is the most profitable wallet.

Registration in Yandex.Money

To register, you need to have an account in Yandex and click the “open wallet” button. Next, enter your username and password, indicate your phone number and the code that will come in the message. The wallet will automatically be anonymous. This means that you can store no more than 15 thousand rubles on it. and make a payment not exceeding this amount. To obtain broader functionality, you need to obtain a personal status - you must provide full passport data.

Depositing money from Yandex

You can deposit money into your wallet account using one of the following options:

• using a payment terminal;
• via Internet banking;
• make a payment through an ATM of a bank in cash or by card;
• prepaid cards (Yandex.Money or universal);
• make a money transfer through one of the Contact, Unistream, Anelic, etc. systems;
• make a payment from another user's wallet.

Withdrawing money from Yandex

You can use the withdrawal function in several ways:

• Make a transfer to a card of any bank. There is a commission of 3% + 15 rubles, and the money arrives within 3 business days.
• Use one of the money transfer systems (Contact, Unistream, Western Union, etc.).
• Apply for a Yandex.Money payment card, which will allow you to pay and withdraw cash at any ATM that supports MasterCard and a PayPass reader. The card is issued free of charge for a period of 3 years, and for the entire period the service will cost 149 rubles.
• Transfer to a bank account using the details. Payment takes 3 working days.
• There is an accelerated transfer function through partner banks: Alfa Bank, Tinkoff, Promsvyazbank, Otkritie Bank. The transaction is completed within 5 minutes.

PayPal e-wallet

is the largest electronic payment system. It began its work in 1998 thanks to its creators Peter Seel and Max Levchin. In 2002, it became the property of eBay, by the way, thanks to which it gained mass popularity at the very beginning. It was first created as a system for paying for purchases on the Internet. And now it handles more than 4 billion transactions a year in more than 200 countries using 25 different currencies.

Main functionality of the wallet:

• making purchases on the Internet and paying for services;
• linking cards of Visa, MasterCard, American Express, Discover formats, incl. Russian banks;
• money transfer;
• deposit/withdrawal of money.

Registration

You will be offered a choice of 2 account options: personal or corporate. The first one is suitable for online shopping and making payments, and the second one is suitable for running an online business. If a personal account is selected, then fill in information about yourself and click the “I agree and open an account” button; if a corporate account is selected, then you will need to provide information about your company. Your email address will be your login and wallet number.

• Depositing funds carried out through bank cards or exchange offices.
• Conclusion to MasterCard, Visa, Discover, American Express.

Instead of output

To summarize, we can say that for Russian users the most convenient there will be a system Yandex.Money and WebMoney. The first because of its simplicity and small commissions, and the second because of its prevalence and security. QIWI will also be on the leaderboard due to the variety of methods for depositing and withdrawing funds. Well, it’s suitable for active work on international platforms.

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The development of electronic payment technology has made managing funds much easier for many people. The convenience of modern payment systems has made e-wallets popular among users. There are many types now and creating them is a matter of a couple of minutes.

Many monetary systems allow you to create a drive - for example, Yandex. Money, WebMoney, RBK Money and others. Registration in each of them is quite simple and is described on the official websites. Typically, the start page presents the basic rules and creation procedure. There you can also find out whether the system allows you to open one drive or several. Before opening an electronic wallet, you need to evaluate all the properties of the system and choose the appropriate option depending on your goals and needs.

• If you have a Yandex wallet of a certain monetary system (rubles, hryvnias, dollars, euros), you can pay for services or goods while in any country.
• You can deposit and withdraw funds through payment terminals.
• The wallet is managed through the official website.
• The monetary system promises the user confidentiality and high security.

• The system works in different countries and does not set restrictions.
• It is possible to make instant payments.
• When conducting a transaction, you do not need to open a bank account and provide full passport data.
• The funds stored in the electronic account are equivalent to different currencies.

• Transactions can be made via computer, smartphone or mobile.
• All electronic funds are equivalent to the Russian ruble.
• You can pay for Internet, telephone, utilities.
• Funds are withdrawn to a bank account or

Creating an electronic wallet requires the user to:

• Provide information - passport details and mobile number to which the wallet is assigned. Security codes for payment transactions will be sent to the specified mobile phone.
• Provide reliable information, but in some monetary systems it is not verified at first. Passport data is needed to move to a higher level. For example, when receiving a certificate.
• Link the payment system with a bank card for full functionality of the wallet. An important point: you need to confirm the attachment of the card to your wallet. Not all systems provide this capability. For example, PayPal does not confirm cards from many Russian banks.

To use an electronic storage device, you need:

1. Register in the selected system.
2. Install special program. For example, WebMoney Keeper.
3. Create a wallet.
4. Top up your account.

Detailed instructions for opening an electronic wallet can be found on the website of each payment system. You need to monitor frequent interface updates, because details may change and information may become outdated.

Having selected the required payment system, you need to click on the registration icon, enter the data in the form and confirm your agreement with the provided rules. At this time, confirmation may be sent to your mobile or email address that you are the owner of the new account.

Important point: The newly created wallet will have basic functions with different restrictions. To expand them, you will need to send scans of your passport to the payment system email address. Another important point: when opening a wallet with advanced functionality, carefully read the instructions and rules of the site, as well as all the details in the form to fill out. Errors or inaccuracies can later be changed in the “Settings” section. If the item you need is not there, the support service will help resolve the issue.

The procedure for creating an electronic wallet in different systems is approximately the same. First, you will need a passport and for top-up. Next you need to follow 4 simple steps:

1. Decide on the site where you plan to create the drive. Choose based on features and prices. Thus, one of the most famous - PayPal - is suitable for paying for goods or services from foreign sites, but you cannot receive money into a Russian account.
2. Register an account. To do this, you need to fill out a questionnaire, the questions in which may differ on different sites. There are resources that require you to provide your full passport details, but sometimes you can create an anonymous wallet. You only need to enter a valid email address, because a confirmation and password for logging into the system will be sent to it.
3. Wait for approval. Resource administrators check wallets manually and sometimes may request a scan of a passport as proof of identity. If they ask you for a copy of the card, for security it is better to hide some digits of the number and not copy secret code on the back of the card.
4. Before using a verified wallet, check the cost of transactions. Using the e-wallet itself is free, and a percentage or fixed amount is withdrawn from transfers and purchases.

If you have understood the basic requirements, then opening electronic wallets will not cause you any trouble. Here are some instructions using examples of the most popular systems.

WebMoney

1. Enter your mobile number.
2. Fill out the form with personal data, address, email and security question (it will be needed in case of password recovery).
3. Receive notifications with a registration code to your email address and mobile phone.
4. Select the type of wallet and download a special program for it.
5. Enter your password and generate a key that gives access to your wallet.
6. Activate the drive and start using it.

Yandex money

1. Open an email account in the Yandex system.
2. Login to the portal using your account and go to the “Money” section. Click on the “Open account” shortcut.
3. Create a password, enter a recovery code, date of birth, email address.
4. Go to the management page.

You can withdraw funds from an electronic storage device:

• to a bank account;
• on a plastic card;
• to an organization that deals with the withdrawal of electronic money.

1. After creating a wallet, you will not find any money in its account. The electronic wallet is topped up with a bank card or using a payment terminal.
2. The most correct option is to have several wallets in different systems. It is advisable to start getting acquainted with drives with the ruble wallet RBKMoney and the WebMoney system, which allows you to open electronic wallets in dollars, euros, rubles, hryvnias and other currencies.
3. If you have not used electronic payment system services before, try getting acquainted with QIWI Wallet first. It is suitable for beginners; other systems have wider functionality, but are a little more difficult to use and more convenient for users with experience in operations with.
4. You can use “virtual” money from an electronic wallet via the Internet to pay for goods and services, pay bills, and transfer funds to other accounts.

An electronic money system is a system in which certain virtual units are circulated, which can be used for all kinds of payments on the Internet. Initially, Internet providers and mobile operators. Nowadays, almost every online store accepts electronic payments. Even utilities, fines, and various fees can be paid via the Internet, since online payment services have been developed. Thus, customers are spared the need to waste time in queues waiting.

Why are web wallets created?

An electronic wallet is convenient for people who make money on the Internet: these are freelancers, people working remotely, and citizens with disabilities. This is especially convenient in cases where the customer of the work is located at a considerable distance from the contractor. An alternative to electronic money is bank cards, but issuing them is a longer and more complex process. It is not uncommon for commercial companies to start e-wallets.

Absolutely anyone can open an electronic wallet. This does not require significant time expenditure, collecting a package of documents, or concluding an agreement. It is enough to register on one of the sites offering electronic storage services. Some of the most popular and in demand are Webmoney, Qiwi, PayPal, Yandex.Money.

The registration process is extremely simple and understandable even for a beginner on the Internet. It is worth paying attention to such a point as indicating a reliable contact information. This will allow you to link a bank card to your account in the future and withdraw funds through service offices. Another important nuance when registering is the most complex password to protect your funds from intruders. It would also be wise to link your account to the number cell phone. This will allow you to recover your password if you lose it.

Using a web wallet

Well, we’ve decided how to create an electronic wallet, what next? Funds can be received from other wallets or a bank card. Or the account can be topped up through a payment terminal. Please note that a commission is charged for any operation. As a rule, it ranges from 1% to 5% of the transfer amount.

You can pay with electronic money for both goods and services. This is especially convenient if the seller is located in another city or even region. As a rule, payment is received within a few minutes. All transactions remain in the system’s memory, so if necessary, it will always be easy to prove the fact of payment. When you accumulate a certain amount on your web wallet, you may need to cash out the funds. This can be done either through service offices or using a bank card, from where they can then be withdrawn through an ATM.

Safety

No payment system can guarantee complete protection of funds. And although fraudulent actions are the exception rather than the rule, such cases do occur. Today, there are a number of tools that allow you to maximize the security of money transactions carried out on the Internet. Most payment systems use SMS confirmation. Due to this, it is impossible to use an electronic wallet without having access to a mobile phone that was linked to the wallet. You can register in the Webmoney system using your fingerprints.

In addition to the existing system algorithms, you yourself need to take a number of measures to protect your electronic wallet. You can protect your web wallet yourself using official version antivirus and regularly checking your computer for viruses. It is better not to save your wallet login and password in your browser history. It is advisable to choose the most complex password possible before creating an electronic wallet. You should not store your username and password for logging into the system in one file.

Webmoney wallet

Many novice freelancers are puzzled by how to create a Webmoney electronic wallet. Registration of an electronic wallet is completely free, as is its content. There is no annual subscription fee. Therefore, you can have such a wallet even just in case if you have no plans to use it. To register on Webmoney you need an electronic Mailbox. Therefore, if there is none, you will have to create one. To manage your e-wallet, you will be offered a choice of 4 programs: Mini, Classic, Light, Mobile. It is better to choose Classic, as this option is the most convenient and full-featured compared to the others. Even if you choose Mini, you will still have to switch to Classic later. The next stage of registration will be filling out the form. All items in the form that are highlighted in bold are required to be completed.

Registration procedure

You must provide reliable data in order to prove, if necessary, that the wallet belongs to you. After entering all the necessary data, the Webmoney system checks the specified email box and phone numbers. Then you need to download and install the selected program on your computer. Then you need to enter the code received by email. As a result, the user is assigned a personal WMID. This is a unique number in the Webmoney system, consisting of 12 digits. Performs the login function when logging into the system. Registration in the system is completed, you can start creating a wallet.

The first step is to launch Keeper Classic. To enter the program you need to enter your password and WMID. Then in the “Wallets” tab you need to select the “Create” option. You will have to choose the type of wallet and come up with a name for it. To conduct transactions on the Internet, you will mainly need ruble and dollar wallets. Having figured out how to create a WebMoney electronic wallet, you need to take care of saving the necessary information. Data that must be saved or remembered: login and e-mail, as well as password to enter the site, WMID, password to enter the program, electronic wallet numbers.

Qiwi wallet

Another equally popular site for registering an electronic wallet is Qiwi. How to create a Qiwi e-wallet? When you log into the site, you will be prompted to enter your phone number and password to log in on the home page. To the left of this field is a link to register a new user. You need to enter your phone number and the symbols shown in the picture. Having accepted the terms of the offer, you click the “Registration” button. After entering the temporary password, you can replace it with a more convenient and complex one. In your personal account, you can pay for services and become more familiar with the functions of the payment system.

Payment transactions

Having learned how to create a Qiwi e-wallet, users are interested in how to make payments. You can make the necessary payments only if there are funds in your account.

You can top up your Qiwi wallet through payment terminals or transfer money from a bank card. When depositing amounts up to 500 rubles through the terminal. no commission is charged. You can also use an e-wallet in mobile phone and transfer funds to any recipient. There are also plenty of ways to withdraw money from an electronic wallet, but in this case a commission already applies.

The question of how to create an electronic wallet is very relevant, because this decision incredibly convenient in practice. It doesn’t tear, doesn’t get lost in your purse, and won’t pull at your pocket either. At the same time, such a wallet allows you to successfully and quickly pay for services and goods that were purchased online. Let us note that today there are three payment systems that are most popular in Russia: Yandex.Money, WebMoney and Qiwi. While it is very easy to create a Yandex.Money wallet, to create a similar one in WebMoney, you need to go through a multi-stage and rather complex registration system.

Registration in WebMoney

Let's discuss how to create an electronic wallet in the WebMoney system. For this purpose, you must register in the system. To do this, visit the official website of the project and go to the appropriate section. The left side of the window will prompt you to enter personal number phone. A little later the secret password will be sent to him via SMS message.

Click the “Continue” button, after which you will go to the “Personal Data” page, where you need to fill out each line of the form in detail with maximum accuracy. Information about yourself must be provided in accordance with your passport data, since in the future you may need to confirm your identity at the appropriate request of the system.

If the information you provide when creating a WebMoney electronic wallet differs from your passport data, most of the very important and useful functions the system will be unavailable. Also, be sure to include a working email address, as the required password will also be sent to it.

Clicking the “Continue” button will open a page in front of you, thanks to which the previously entered information can be clarified and verified. We recommend that you pay due attention to this step.

Email as a verification tool

In order to continue understanding how to create an electronic wallet, you need to go to e-mail, since the letter sent by WebMoney Team will arrive at the address specified during registration within 10 minutes. After this, you need to enter the received registration code in a special field on the page that will open when you click on the link provided in this letter.

The next step is to verify the phone number. This time you need to send a message in SMS format with a set of numbers specified by the system to one of the proposed phone numbers. In this case, payment for this SMS is made according to tariff plan mobile operator.

Software

After successfully confirming your phone number and email address, you need to download the program for the electronic wallet Keeper Classic - a special Webmoney application - from the corresponding section of the system's official website. Please note that the download process will automatically begin after you specify the e-wallet you need by clicking on the appropriate link.

If you follow the instructions of the downloaded file, a program window will soon appear on your monitor, entitled Installation Complete. Clicking the Finish button in the lower right corner will complete the installation. After that, in the “Start” section on your own computer, you can find the WebMoney wallet icon, it looks like a yellow ant.

If everything is exactly like this, it means that at this stage the registration is going well. Launch the program. Next, check the box opposite the “Register” line. A new window will prompt you to create an access code to your own electronic wallet.

This code must be written down, since only with its help you will be able to carry out all kinds of operations with your wallets and log into the system.

How to create an electronic wallet and why do you need a key file for this?

At the next stage, the system will begin to generate a key file, after which you will receive a personal WMID. Strictly speaking, we are talking about the next step - a very responsible and important one in the registration process.

It is necessary to provide the generated key file with a password, and then place it in a specially designated place hard drive computer, as well as to provide additional protection on a personal removable drive.

You may need the specified key file if there is a need to restore your rights to manage accounts in WebMoney. This situation can happen in different cases (virus attack, hard drive failure, wallet hacking).

Completion

So we have described all the most difficult steps to create a WebMoney account, then everything is intuitive. Follow the system instructions. But if this procedure seems too complicated to you, try creating a Qiwi e-wallet, with which you can pay for purchases or, for example, mobile services.