How to create an electronic wallet on your phone. Basic requirements for the borrower. Webmoney replenishment methods

Popularity electronic money growing. With their help, you can pay remotely for services provided, pay for purchases on the Internet, and receive funds for work done. In order to be able to use this tool, you must have an electronic wallet. And although creating it is quite simple: you need to figure out how to start online wallet and where it can be done.

What is an electronic wallet, and what services exist today that allow you to create one?

An electronic wallet means a special program with which the user can store his money and perform various manipulations with it. In fact, this is a kind of analogue of a bank account. Funds stored in such a wallet can be transferred to the required account within a few minutes.

Today there are a large number of services on the market that provide similar services. The most popular among citizens of the country are three services:

• WebMoney;
• "Yandex money";
• QIWI.

The difference between the systems lies in the currencies they work with, the features they provide, and the fees. When choosing a specific service, a citizen needs to focus on why he needs an electronic wallet, in what currency he is going to store the funds and how he will use them.

Creating a wallet in WebMoney

One of the most popular services is the WebMoney system. Users can store funds in several currencies. The company began its work in 1998, having managed to acquire a solid customer base during its presence on the market. Opening a wallet in this system is easy. To do this, you must follow the instructions:

Since new users are assigned a formal certificate, they can only use the Keeper Mini service at first. After entering it, you need to opposite the menu "Wallets" click on «+» . After creating a wallet (you need to select a currency and agree to the terms by checking the box), you can start using it.

A formal certificate comes with certain restrictions. If the user needs to expand the functionality of his wallet, he must go through the certification procedure. After this, it will be possible to obtain a higher level certificate.

"Yandex money"

A little later, another similar service was launched - Yandex.Money. This happened in 2002. Like WebMoney, Yandex today has a large number of regular users. However, unlike the previous service, Yandex allows you to store currency only in rubles. Therefore, the advisability of its use by persons who need to store funds in another currency is questionable. You can open an electronic wallet in the system as follows:

1. Register Mailbox. If there is already one in the Yandex system, go through the authorization procedure.
2. After this, the user will be transferred to his personal page. At the top there are items: Maps, Videos and More. You must click on the item "More" and go to the section "Money".
3. In chapter "Money" you need to select an item “Open wallet.”
4. First of all, the user will be asked for a cell phone number. In the future, it will be possible to restore access to your wallet if you lose your login or password.
5. In the next part of the questionnaire, you will need to enter the code that was sent to your mobile phone, indicate your email address, and also agree to the terms of use.
6. After all fields have been filled in, you must click on “Open wallet.” Accordingly, after this action, the user will be assigned a separate electronic wallet, which he can use for his own purposes.

Previously, the registration procedure could be completed without using a cell phone, but this option was removed due to the need to improve the security of funds stored in wallets.

QIWI e-wallet

Even younger is payment system Kiwi, founded in 2007. A notable feature of the service is the presence of many terminals in different cities of Russia, through which you can access your own funds. That is, even if there are problems with the Internet, the user can still use their funds using the nearest terminal.

Registering with the Qiwi service is quite simple. To do this you need:

The wallet number corresponds to the mobile number. It is possible to use four different currencies, including tenge, dollar, ruble. The service charges a commission of two percent for its services. However previous systems They also charge money for making payments.

Thus, before creating an electronic wallet, the user needs to decide on the purpose of opening it. The choice of a specific system will depend on them. Today there are a large number of electronic payment systems that provide similar services, but the most popular are three services: WebMoney, Qiwi, and Yandex.Money. The procedure for registering and creating a wallet is quite simple, just follow the instructions given above.

Online wallet– this is information at the disposal of financial institutions about Money ah, which were translated into electronic version.

Such a wallet can be in the form plastic card, as simple as that installed application on a personal computer or mobile device.

Also, an electronic wallet can be considered as software, which allows you to store and use money in an electronic system.

An electronic wallet is a device that helps you store money in your memory, make purchases and make various payments without leaving your home.

Such electronic wallets in Lately are gaining more and more development.

Through the concept of an electronic wallet, the concept of electronic money also developed.

– a system that allows you to store money both in rubles and in the foreign currency of any other country.

Simply put, such a system helps to store money in electronic format.

Electronic wallets have recently become increasingly popular due to their ease of use and storage. Such money cannot be lost or stolen. On the other hand, such money is easy to withdraw.

Types of electronic wallets

The main purpose of an electronic wallet is online payments, which allow you not to pay in person.

The following types of electronic wallets can be defined:

• wallets that can only support one currency;
• wallets that support several different currencies at once;
• wallets that can not only accept various currencies into your account, but also make automatic payments.

Advantages and disadvantages of an electronic wallet

Main advantages of electronic wallets

• Simplicity and accessibility in registering such a wallet. To register in the system, you simply need to provide information on a certain form; in addition, there are various instructions for registering a wallet.
• The procedure for replenishing an account or withdrawing funds has been simplified to a minimum. This can be done either through payment terminals or by transfer from bank card, or in bank branches that cooperate with a similar payment system.
• The system of paying for purchases and services through an electronic wallet is very widespread, so you can pay for almost any purchase. You can pay for purchases without leaving your home.
• There are no commissions or fees for servicing such wallets.
• Provides the opportunity to exchange currency at the rate established by the payment system.
• Allows you to perform instant transactions.
• The period of use of such a card is unlimited.

Disadvantages of e-wallets

• However, despite the widespread use of payment systems, some stores still do not have the option of paying in this way.
• If your electronic wallet is not linked to a bank card, then you can use this wallet only if you have access to the Internet.
• There is a possibility that such wallets will be hacked by scammers.
• There are difficulties in cashing out funds from such wallets.
• It is difficult to restore a wallet profile if it is lost.
• Electronic money is easier to spend. This is on a psychological level. We don’t hold real money in our hands, we don’t feel its weight, so we part with it without regret.

Commissions when using electronic wallets

It is also worth saying that there are no electronic wallets that do not charge a commission.

However, all purchases made through such payment systems are not burdened with commission fees. It is important to pay attention to the commission when withdrawing funds or transferring them.

Visa is considered the most common system for transferring funds; the RBC Money system also falls into this category. But here the transfer limit is set at 100 thousand rubles.

The highest commission for transferring funds outside of Russian Federation charged by the Yandex system. Money. It is 3% of the transfer amount plus an additional 15 rubles from each transfer.

For other electronic wallets, this commission ranges from 1.5% to 2% of the transfer amount.

It is also very expensive to withdraw funds from wallets through the Contact system. For example, when withdrawing money from the Yandex. Money, you will be charged a commission of 4.5% of the total amount, from the Qiwi system - 3.5%.

Options for using electronic wallets and withdrawing money

When using an electronic wallet for the first time, you must go through the registration procedure, download an application or program to use the electronic wallet and create a so-called payment storage.

In order for money to appear in your electronic wallet, you need to either buy a special card and top up your account through it, or by transferring funds from a bank card, you can send money through the post office or deposit it through a payment terminal.

You can withdraw money in one of the following ways:

• transfer them to your bank card;
• transfer through specialized organizations;
• transfer to a bank account.

Registration of electronic wallets

Creating a Webmoney electronic wallet

1. First you need to go to the official e-wallet website and enter your phone number.
2. Next, you need to enter more detailed information about yourself.
3. Then to yours email You will receive a confirmation email with the code required for registration.
4. This code will need to be entered on the website to confirm your data.
5. Then you should receive an SMS on your mobile phone with verification code.
6. Then you will need to select the currency with which you plan to work subsequently.

In order to begin full-fledged work through this wallet, you need to obtain a certificate. To do this, you need to upload scans of your passport and provide some of your personal data. You can confirm transactions via SMS, captcha, or question-answer method.

Only a person who has reached the age of 18 can create such an electronic wallet.

Payments in such a system occur in conventional monetary units, such as: 1 WMZ corresponds to 1 US dollar, 1 WMU equals 1 hryvnia, 1 corresponds to 1 ruble, 1 WME corresponds to 1 euro. Regardless of the type of transaction, such an electronic wallet charges a commission of 0.8% of the transaction amount.

Creating a Qiwi e-wallet

First you also need to go to the official website electronic system. You need to read the contract, accept its terms and enter your valid phone number, after which an SMS with a confirmation code will be sent to your mobile device. At this point, registration ends and you can top up your wallet account.

The advantage of this system is that registration is quite simplified: just indicate your mobile phone, after which you will receive a verification password. You can top up the balance of such a wallet without commission, and all payments and transfers are carried out very quickly.

The main advantage of such a system is the ability to maintain complete anonymity when making transactions from such a wallet. However, anonymity is maintained if you withdraw up to 40 thousand rubles from such a card every month.

In general, the transaction limit is 100 thousand rubles to maintain anonymity. This means that you can spend about 60 thousand rubles more by paying with this card in stores.

Creating a Yandex electronic wallet. Money

When using this system for the first time, you must also identify yourself. Go to the official website of the wallet and open an account. Then you will need to come up with a username and password for your wallet, and also indicate your mobile phone number. On the phone will come SMS message with verification code. After entering it on the website, you need to read the terms of use of the wallet and accept them. If desired, you can remain completely anonymous. The wallet is ready to use.

Such a system does not charge commissions for paying for purchases via the Internet and when replenishing the balance of a mobile phone.

If you make a money transfer within the Russian Federation, you will be charged a fee of 0.5% of the total amount.

Creating a PayPal e-wallet

This system is considered the largest payment system worldwide and the most widely used. It was created in the late 90s. In Russia it is not as popular as in other countries of the world. PayPal must be linked to your bank card. To do this, you provide your account details, within a few days you will receive 2 transfers in the region of 10 kopecks. After this, you will finally link your bank account with the system.

If you actively make purchases abroad, you definitely cannot do without this payment system. Creating an account is free, and the commission is charged not from the sender, but from the recipient of the funds, which is very in a convenient way when paying for purchases online.

Creation of a single electronic wallet

This wallet allows you to pay for services online. You can use this wallet with: mobile device, and through Personal Computer or tablet.

To register, just indicate your phone number, to which you will receive an SMS with your wallet number and password. Many payments via this system are carried out without charging a commission. You can withdraw money from your account through any post office.

Beeline Wallet

The electronic wallet was created for making micropayments; no transaction fees are charged; the system operates jointly with Alfa-Bank. It is possible to transfer funds to a bank card or to a Webmoney wallet.

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. Get notifications from 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.

Greetings, dear friend! Have I not yet completely intimidated you with either the upcoming “superhuman” efforts to master copywriting skills or the threats of almost free work “for an idea”?

She promised a “school”, that is, a greenhouse, almost greenhouse conditions, but what actually happened? - you have the right to think.

Calmly! You know that any seedlings or seedlings must be hardened off before planting in the soil. This significantly increases the chances of young sprouts to survive. We will assume that the first two posts from the “School” section were these hardening procedures. And now it’s time to prepare for landing on Freelance, that is, on text exchanges. But before that, some organizational issues need to be resolved.

When registering on any of the text exchanges, you, my friend, will be asked for details of electronic payment systems for withdrawing your earned money. Therefore, today we will deal with a very specific matter: we will find out how to create an electronic wallet, and which payment system to use for this.

I recommend that you register with two electronic “banks” - Webmoney and Qiwi, because most copywriting exchanges cooperate with them. Why two at once? Because we live in a very unpredictable country, where various force majeure circumstances occur. Let one of the ways to withdraw money from the exchange be a backup one. Among copywriters there are fans of both payment systems. And for me, that would be something to deduce...

Let's take a closer look at the procedure for registering e-money wallets for each of the systems.

How to get a walletWebmoney?

To enter the official website of the system, type “webmoney” in the search bar of your browser; it will be the first in the results.

We make the transition and get to the main page of the site. In the “Individuals” section there is information about what goods and services can be paid for with electronic money. Believe me, it's very convenient function. It is worth reading it in detail. For example, I use WebMoney to pay for electricity, communications and make all utility payments. In addition, I use my e-wallet when purchasing goods in online stores, air tickets, booking and paying for hotels. On the same page there is information about ways to withdraw money from webmoney. But now we are interested in the yellow button on the right top corner screen - “registration”.

We begin the procedure by entering your mobile phone number. Not a city phone, mind you, only a cell phone - in international format, that is, from +7. There are still articles gathering dust on the Internet about how you can register without entering a phone number. This is outdated information. You will manage your finances using your mobile phone, so the number must be actually valid.

Click on the “continue” button and proceed to entering personal information. Here everything must also correspond to the passport data. You understand that you are not registering on some gaming portal - therefore, no “nicknames”. The e-mail should not be from some mailbox littered with spam, but one that you actively use. You will select a security question from the drop-down list. Whether you allow the service to flood your email with news about promotions and other things is up to you. But without the last tick about consent to the processing of personal data, you will not be able to register. So agree and move on to step three.

At this stage, you will need to enter the code that you will receive from SMS in a special field. Enter the code very carefully: the number of attempts is limited. I won’t be able to show you screenshots anymore, since I already have WebMoney wallets, and I can’t get them a second time. But everything is already simple there.

Next, you will come up with a very complex password (preferably using uppercase and capital letters, as well as numbers and signs in uppercase). Please note that you cannot use your common passwords from email, Odnoklassniki or VK. Let this be a special password only for WebMoney. And remember that you can and should only write it down for memory on paper, and not in some Word file. You will use your username to log in to the system. phone number.

Registration is coming to an end. All that remains is to choose the currency. Create WMR (ruble) and WMZ (dollar) wallets right away. If you work, for example, at Advego, then “green” is in use there. On the Text.ru and Miratext exchanges, authors are paid in rubles. In this window, do not forget to tick the box that you agree with license agreement. And let's move on.

The next screen will show both of your wallets and the twelve-digit numbers below them. These are the bank details that you will have to provide when “entering” the content exchanges. It is convenient to link a bank card to electronic wallets - one or as many as you like. This way you can withdraw cash from WebMoney.

QIWI payment system(Qiwi)

It won’t be difficult for you to create a Qiwi wallet. It's even easier than in Webmoney. Registration is carried out by phone number. Nothing more is needed. More precisely, it is not required for the “anonymous” status, which will be enough for you for now.

I won’t show you screenshots with detailed explanations, because all you need to do is enter your phone number and the number from the picture. In the next step, come up with a complex password that is not repeated on other Internet resources and enter the code from the SMS message. That's all! You have a qiwi wallet. His details are your phone number. And if you order on the service QIWI card Visa Plastic (with free service, by the way), then you won’t have to rack your brains about how to cash out money from a Qiwi wallet.

This card is absolutely equivalent to any other Visa. You can use it to pay in Russia and abroad, and withdraw cash from ATMs. I also really like the ability to order additional cards (up to 5 pieces) linked to one account. That is, you can order a card for your child, put small amounts there for pocket expenses with the ability to control them.

That's all, actually. Now you are ready to “land” on Freelance. In the next article I will tell you more about the exchanges where I recommend you register. In the meantime, get yourself some wallets and learn more about the functionality of payment systems. At first, very little money will “drip” there, so you don’t risk anything. You will have time to get comfortable in order to handle your finances with confidence.

And lastly... Please write in the comments if the article helped you? Were you able to register your wallets? If you have any questions, ask here. I will definitely answer.

See you soon, GALANT.

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. IN Webmoney system You can register 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 for 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 enter the site on home page You will be prompted to enter your phone number and password to log in. 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 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.