In the form of a system for payment. Russian payment systems. List of electronic payment systems

Z-Payment. - electronic payment systemwhich integrates various types of payment, such as SMS payment, bank transfers, payment of a plastic card and others. In 2002, a group of developers was created by the technological platform "Transactionator", on the basis of which Z-Pay and Z-Payment were subsequently created. On September 1, 2006, Zorbit (Investor) and the Transactionor (Developer) company launched the Z-Pay payment system. The system existed until April 2007, then the investor company was disadvantaged without the right to change. On September 1, 2007, the developers of the Transacitor opened the Z-Payment payment system.

Any Internet user can register his wallet in the system. Calculations in Z-Payment are conducted in conventional units of ZP, 1 ZP is 1 ruble. With the Z-Payment Wallet, you can make payment in online stores connected to Z-Payment, as well as pay for various services including cellular communication, satellite television, Internet service providers, etc. If the user has its own online store or paid service, it can connect payment through the system. The user can work both physical and legal entity.

Intellectmoney - Electronic discount payment system. Its main task is to provide users with a simple and secure way to pay for goods and services on the Internet and enable to obtain significant discounts in trade and service enterprises.

In parallel, two directions are developing: a payment that provides financial settlements in real time between users (individuals and legal entities registered in the system and activated), and discounty (within the Cash Back discount program).

All operations are performed only with Russian rubles. The web interface is used to work with the payment system.

Register in Intellectmoney can both physical and legal entity. For them there are two types of accounts: personal account and business account.

Moneymail - Electronic payment system, allowing you to pay hosting, acquire goods and services in online stores, replenish game accounts in online casinos, pay bills for utilities and telephone services, payable with Internet service providers or for cellular communication, use credit cards of Russian banks And also invoice and send money to any e-mail.

The main intended system is the development of the software package, with which Russian banks will be able to offer the entire range of technological banking products to a wide audience of Internet users.

The owner of Moneymail is the company CJSC "Maimayl", the controlling stake which belongs to the investment holding "Finam". November 24, 2004 - the official day of the launch of the Russian payment system Moneymail.

On the this moment Progress stepped far away. Calculations have long happened not only in cash, but also the card, as well as online through electronic payment systems. The list of these services is regularly updated.

Currently, online investments and payments that cannot do without electronic money are developed. During the origin (the beginning of the 90s) it became clear that traditional financial products are not suitable for electronic calculations. This is how the current online payment systems appeared. The list and features of each of them are presented below.

Principle of operation

There are such systems in different ways. Basically, the founders of such services create their own e-currency. They call them original, as to use "money" in the title illegally. However, it is important to understand that beautiful terms talk about the absence of any financial guarantees and deposit insurance.

All at the conscience of founders who value their reputation. In fact, participants are registered and transactions are being conducted. Each depositor has personal Area and in which the amount of money is recorded on his account.

Separate services even have their own exchange offices for cash issuing.

Advantages and disadvantages

Electronic payment systems The benefits list are considerable.

1. Instant transactions (transfer of funds, payment for online shopping, conversion).
2. Low Commissions (due to high competition).
3. Anonymity (big plus for those who work semiably).
4. Funds can be transferred to any bank accounts.
5. Greater safety (than in cash calculations).
6. Very convenient for receiving salary remote employees.
7. Ability to pay housing housing and communal services, telephone, Internet.

Payment systems The list of disadvantages also have.

1. The main disadvantage is that accounts are not fully legal.
2. Not all purchases can be paid by electronic money.
3. The service of the conversion of funds to cash is expensive.
4. Due to the lack of control by the legislation, it is often possible to encounter fraudsters (on free hosting, such sites are created in 5 minutes, so you should check the service for authenticity).

To check the EPS to authenticity, it is enough to know whether large financial structures are collaborated with this service (Sberbank of Russia, Alfa-Bank).

List of payment systems in Russia

The main services operating on the territory of the Russian Federation:

• "Yandex. Money" is one of the most popular in Russia. With it, you can exercise many payments. In particular, payment paid games and other Internet services, utilities, telephone, shopping in online stores. It also uses money transfers.
• ARSENAL PAY - payment system of the seaside edge of the country. This is another reliable service to transfer funds and make payments. The service does not accrue hidden commissions.
• World (NSPK) is a Russian payment system, founded by the Central Bank. The system guarantees the safety and absence of interruptions in working during various financial transactions in Russia.

There are also other Russian and international payment systems, the list of which is presented below:

• WebMoney is the most popular international service. With different currencies there is a separate guarantor. Users have a unique WMID number to use the personal account.
• PayPal is another global system. Her feature: All calculations are made in real money.
• QIWI (Kiwi) is a global leader among instant payment systems.

Good day to everyone!

The Internet is increasingly embedded in our life. Now and money can be quickly transferred to relatives or friends, and some things to buy, and pay insurance, receipts - and all this, without leaving home!

All these transactions with money cannot be implemented without payment systems . Now, of course, many online shopping allow you to pay for the card, but not in all stores you can do with plastic alone. I'm not talking about translations, the same can go to 5 days, but translation, let's say, in QIWI - up to 5 minutes! Difference on face 👌 ...

In this article I want to stay on the most necessary payments that are used on the Internet (Where it can be relatively safe to keep money and dispose of them). By the way, many of them allow saving money, because Commissions for translations within their system cheaper than in many Internet banks ...

One view of 1-2 letters - and you can gain problems with blocking or freeze account before finding out. In addition, not confirmed wallets have certain limits on the use money.

Qiwi-wallet

Qiwi-wallet is one of the easiest and most convenient ways to pay for purchases and make transfers on the Internet. All that you need to start work - only the presence of a mobile phone (when registering QIWI rigidly sniffs mobile number (for security)).

The service allows you to pay utility bills, make purchases, carry out instantaneous money transfers, and all this with a very low commission (of course, relative to other services).

Also, QIWI has a fairly wide network of payment terminals, there is mobile app, Various Internet resources that everything is associated with this payment by simple and convenient.

Main advantages:

1. works in many countries of the world (more than 20 at the time of writing the article);
2. operations and translations are carried out practically instantly (the Commission is minimal or absent);
3. there is so (This is the return of a certain percentage of purchase costs (for example, bought for 1000 rubles. Goods - 100 rubles. Returned to you on the wallet). According to some offers of online stores - Cashbek comes to 10-15%!);
4. close integration with other Internet wallets, mobile account operator;
5. easy replenishment of the wallet (and in many cases without commission) from Internet banks, cards, other payments;
6. there is no connection to the Internet, you can send the translation even with SMS messages;
7. interface friendly and allows easy step by step option to perform your task (translation, replenishment, removal, etc. Tasks);
8. before completing the translation, QIWI will warn you about all commissions;
9. you can order a plastic or virtual card (and pay to it as a regular bank card).

Yandex money

Very popular payment system on the Internet in our country. It is primarily its simple registration and use. In addition, it contributes to popularity and what supports the system is one of the most popular Yandex search engines.

Order Payment: Please note that Yandex gives any guarantee that your purchase will be delivered to you (otherwise you can challenge her and return your funds)

Main advantages:

WebMoney

One of the oldest, popular and multifunctional payments on the Internet (appeared in 1998, even many banks for this past time went into oblivion, and Webmoney lives and develops). It has the goals near the unique services, because Say, flagship in Internet calculations 👌.

Main advantages:

1. take in most online stores (the widespread distribution);
2. works in many countries of the world (widespread in the CIS);
3. wallets can be in different currency: Russian rubles, Belarusian, hryvnia, dollars, and even bitcoins! Convert currency from one to another using your own stock exchange (minimum percentage);
4. one of the highest levels of security (there is no longer anywhere else!): Spec. The application for PC and smartphones, a key file, a password to access the application and the key file, work with enum. Webmoney also provides certificates and BL (a kind of honest and respect) for each of the participants. This also contributes to honest and open work;
5. a huge number of opportunities for replenishing and removing funds on account: bank cards, accounts, other payment systems, remittances, etc.
6. instantaneous translations inside the system;
7. the ability to translate money with the protection code (until the code is entered - the money will not be credited to the recipient's account. It is convenient when you want to progress yourself, and suddenly they sent it, or he has not yet fulfilled you a service);
8. the possibility of organizing payments;
9. ability to carry out transactions (protected!);
10. easy and fast payment of communal, cable TV, Internet, mobile phone and much more (everything in one article does not describe - this is a very multifunctional payment system with constantly complementful features!).

PayPal

One of the most popular payment systems in the world, more than 200 million registered people at the time of publication of the article! The payment, of course, is not so much common in Russia (it has not come to us so long ago), but it is used abroad in the vast majority of online stores and services.

One of the main advantages of the system is the simplicity of translation, just know only an e-mail member, and you can send him money! Moreover, PayPal guarantees the safety of your funds, and gives a certain time (up to 180 days) to challenging the transaction (for example, you ordered something online, but you were deceived and the goods did not provide - Paypal will return to you!).

Main advantages:

1. the widespread distribution in the world - if you want to get a transfer of money from abroad, there is nothing easier than with PayPal (just the same QIWI there is unlikely anyone knows);
2. high level security;
3. the possibility of challenging the transaction (refund of funds);
4. there is a mobile application (and, by the way, very comfortable!);
5. instant transfer of funds from the account to the account;
6. protection of your bank card to the Internet - when paying it is not seen anywhere (the map is tied to your payPal account And when buying, money from the card go through this payment. Those. No online store will recognize your personal data from the card).

Rapida

Rapida- The popular Russian payment system designed mainly to pay for various services: communal, telephone communication, Internet access, loans, etc.

It should be noted that the popularity of the system is somewhat lower than the Webmoney or Yandex money (apparently due to the fact that the original system was aimed at working with large companies: utilities, banks, search engines etc.), but in lately Rapida plays part of the market ...

You can replenish the wallet in rapid using terminals, banks, plastic cards, such operators such as "Euroset", "Svyaznoy", "Technosila".

Key Features:

1. payment of loans regardless of the schedule of your bank - Rapid will transfer everything urgently at any time of the day;
2. wide opportunities to work: you can pay housing and public utilities, traffic police fines, Internet services, perform translations, replenish your phone account, buy a ticket or a ticket, order a prepaid card and much more in a couple of clicks with the mouse!
3. minimum Commissions for Conclusion to other payment systems and plastic bank cards;
4. for MegaFon subscribers and Beeline, it is possible to make a payment directly from the mobile, specifying the transaction code and the amount;
5. on the service site, detailed statistics on your payment are always available (money is not stuck and not lost during translation).

W1 (single wallet)

"W1" he is a "single wallet" (or "Wallet One") is an electronic payment system designed to combine all Internet payments in a single wallet.

Walking works with many countries, including: Russia, Ukraine, Belarus, Kazakhstan, Tajikistan, etc. Differs its close integration with mobile phones (In the same Viber, you can now watch the account balance and dispose of them), and low commission transfer and replenishment commissions.

Main advantages:

1. payment of mobile services, housing and communal services, cable TV, etc. Popular tasks;
2. payment of loans 24h. per day;
3. translations within the system in a matter of minutes!
4. purchases in online stores;
5. transfer of funds to other payment systems: WebMoney, Yandex Money, etc.;
6. there is a possibility of messaging between users of W1 wallets;
7. close integration with mobile (close integration with Viber).

[email protected].

A fairly convenient service to transfer money from the map to the card and between users registered in this payment system. To transfer money from one to another - just know only an e-mail address. Agree, convenient?!

In general, while the service is not as popular, but over time, the turnover must be gained at the expense of a large audience Mail.ru.

Main advantages:

1. money on the wallet in the system is stored in Raiffeisenbank (which gives great reliability);
2. unnecessary to establish any additional programs;
3. the ability to quickly and with the minimum commission transfer money from the card to the card;
4. your account is easily and quickly tied by your bank card, and then you can not shine it on online payments;
5. many ways to replenish account: QIWI, ATMs, bank transfers, with cards, etc.
6. high security wallet and translations (to transfer money to introduce a payable password). After stopping work with the service, after 15 minutes. Access to the wallet is automatically closed.

Perhaps, it is possible to allocate from minuses that the system can only work with rubles. Also a rather weak prevalence in Russia (and its complete absence abroad).

Electronic money is the monetary obligations of the organization that released them (Issuer), which are on electronic media in user management.

The main signs of electronic money:

• implementation of emissions in electronic form;
• storage on electronic media;
• guarantees of the Issuer to ensure ordinary cash;
• recognition of them as a payment product not only by the Issuer, but also a number of other organizations.

For a clear understanding of what electronic money is, it is necessary to distinguish them from the non-cash form of traditional funds (the release of the latter, they produce central banks of various countries, they also establish rules for their appeal).

No relation to electronic money has credit cards that are only a bank account management tool. All operations when using cards are made with conventional money, albeit in non-cash form.

History of the emergence of electronic money

The idea of \u200b\u200belectronic payment systems appeared in the 80s of the twentieth century. It was the basis of the invention of David Shaum, who founded the company "Digicash" in the US, the main task of which was the introduction of electronic money treatment technologies.

The idea was pretty simple. In the system, operations with electronic coins representing the issuer's commitment files with its electronic signature. The purpose of the signature was similar to the purpose of the elements of protection of paper bills.

Principles of operation of electronic monetary systems

For the successful operation of this payment instrument, the readiness of organizations selling goods and providing services is needed to take electronic money as payment. This condition was provided with the issuer's guarantees for the payment of amounts in real currency in exchange for electronic coins introduced by them.

In a simplified form, the scheme of system functioning can be represented as follows:

• The client translates the real currency to the score of the issuer, receiving a file-banknote (coin) in return for the same amount less than the Commission. This file confirms the debt obligations of the Issuer before its holder;
• Electronic coins Customer pays goods and services in organizations that are ready to accept them;
• The latter return these files to the issuer, receiving real money from him.

With such an organization of work, each of the parties occurs. The Issuer receives his commission. Trading enterprises are saved at costs associated with cash circulation (storage, collection, cashier work). Customers receive discounts caused by a decrease in costs from sellers.

Advantages of electronic money:

• Combining and divisibility. When making calculations, there is no need for delivery.
• Compactness. Storage does not require additional place and special mechanical protection devices.
• No need for recalculation and transportation. This feature is performed by the tools for making payments and storing electronic money automatically.
• Minimum issues for emissions. No need for chasing coins and printing banknotes.
• Unlimited service life due to inconsistency in wear.

The advantages are obvious, but without difficulties, as usual, does not happen.

Disadvantages:

• The appeal of electronic money is not regulated by uniform laws, which increases the likelihood of abuse and arbitrariness;
• The need to have special tools for making payments and storage;
• For a relatively low service life, reliable storage and protection of electronic money from fakes has not been developed;
• Limited application due to unpreparedness of all sellers to accept electronic payments;
• Difficult to convert one electronic payment system to another;
• The lack of state guarantees confirming the reliability of the issuer and electronic money as such.

Storage and use of electronic money

Online wallet - this is softwareintended for storing electronic cash and operations with them within the same system.

Who organizes the functioning of these systems and conducts emissions of electronic money?

Electronic money issuers

Requirements for issuers differ in different countries. In the EU, emissions are carried out by electronic money institutions - a new special class of financial institutions. In accordance with the legislation of a number of countries, including India, Mexico, Ukraine, exclusively banks have the right to engage in this activity. In Russia, both banks and non-bank financial institutions, subject to license.

Electronic payment systems in Russia

Let's consider the most popular domestic systems And we will give answers to questions, how to buy and how to cash out electronic money in each of them.

The largest operators are Yandex.Money and Webmoney, in the amount of their share exceeds 80% of the market, but there are also "PayPal", and "Moneybookers", and "QIWI" ...

"Webmoney"

"Webmoney", positioning itself by the "international settlement system", was founded in 1998. Her owner "WM TRANSFER" Ltd. She is registered in London, but technical services and the main center of certification are located in Moscow.

Operations are carried out with electronic equivalents of a row of currencies.

For each of them the guarantor are legal entitiesRegistered in various countries: Russia, Ukraine, Switzerland, UAE, Ireland and Belarus.

The WebMoney Keeper's electronic wallet is used to work, which can be downloaded from the company's website. There is also an instruction on its installation, registration and use. The program allows us to operate equivalents of US dollars (WMZ), Russian rubles (WMR), Euro (WME), Belarusian rubles (WMB) and Ukrainian hryvnia (WMU). Gold is provided, the unit of measurement of which is 1 electronic gram (WMG).

To carry out operations, registration in the system and receiving the participant's certificate, which there are 12 species.

A higher level of certificate provides great opportunities in the work.

When carrying out transactions from the payer, the Commission is held in the amount of 0.8% of the translation size. There is an opportunity to use different species Deflection. All controversial issues solves arbitration.

We give ways to establish electronic money in the wallet:

• bank, postal or telegraphic translation;
• through the Western Union system;
• buying a prepaid card;
• by making cash in exchange offices;
• through electronic terminals;
• with e-wallets of other participants in the system.

All listed methods are associated with the payment of commissions. It is advantageous to make money through the terminals and buy prepaid cards.

And how to cash out electronic money in the WebMoney system? You can use the following ways:

• transfer to a bank account from your e-wallet;
• use of the services of the exchange office;
• through the system "Western Union".

There are virtual items where automatic mode It is possible to exchange one e-currency to another at the specified course, although formally the system does not take part in this.

Since 2009, WebMoney is prohibited at the legislative level in Germany. This prohibition also concerns individuals.

"Yandex money"

The system has been operating since 2002. It provides calculations between the participants in Russian rubles. The owner of the Yandex.Money LLC in December 2012 sold 75% of Sberbank of Russia shares.

Two types of accounts are used:

• Yandex.Korsselk, which is available via a web interface;
• "The Internet. Wallet "- the score, operations with which are produced through special Program. Its development is discontinued in 2011.

Now for new users it is possible to open only "Yandex. Wallet. "

Yandex.Money users can pay for housing and communal services, pay fuel on gas stations, make purchases in online stores.

The advantage of Yandex.Money is the lack of commissions for most purchases and account replenishment. In transactions within the system, it is 0.5%, and for the output of funds - 3%. Partners "Yandex.Money", accepting payments and output funds, can establish commissions at their own discretion.

Significant disadvantages are the impossibility of conducting an entrepreneurial system and hard limits on the amount of payments.

You can replenish the Yandex.Cecek in several ways:

• converting electronic money from other systems;
• by bank transfer;
• through payment terminals;
• cash in sales;
• through the systems "Unistream" and "Contact";
• from the prepayment card (now the release of cards is discontinued, but the activation of previously acquired is possible).

Cash over the system's electronic money in this way:

• translate to the card or bank account;
• obtaining from the Yandex.Money card in an ATM;
• via translation system.

The main share of the electronic money circulation market in Russia falls on "Webmoney" and Yandex.Money, the role of other systems is much less significant. Therefore, we consider only their characteristic features.

"Paypal"

"PayPal" is the largest world electronic payment system, created in 1998 in the United States and has more than 160 million users. It allows you to receive and send translations, pay bills and purchases.

For Russian participants, the reception of payments was possible only in October 2011, and the withdrawal of funds to date is carried out only in American banks. These circumstances significantly reduce the popularity of the system among domestic users.

The planned conclusion of the "PayPal" agreement with the "Russian Post" can be corrected, but this is a question of a non-profit of perspective.