WebMoney: what it is and how to use it, all the secrets of the payment system. Webmoney payment system

There are many different payment online systems, with which you can pay for Internet services or receive money for work done. But, you see, when it comes to your money, you would like to choose not the first system you come across, but the most proven and safe.

Webmoney is one of the most famous and safest financial electronic systems in Russia and CIS countries. If you figure out how to use webmoney, then your funds are unlikely to ever fall into the hands of scammers.

There are several ways to use webmoney - Classic, Mini, Light. The differences between them are that the two latest system imposes certain restrictions on monetary transactions. We will consider classic version- how to use webmoney keeper classic.

Where to start?

First, you need to go to the official webmoney website and register. During the registration process, provide correct information if you want to withdraw money from your wallets in the future. By mail to you a letter will arrive registration confirmation, open it and follow the link. Then download the program to your computer - webmoney application keeper classic and install it. After launching webmoney keeper classic for the first time, click the register button. You will be prompted to enter registration code(arrives by mail), save the key file to your computer and enter the application. You will need the key file if you want to access your wallets on another computer or after reinstalling the OS, since in such cases you will not be able to use webmoney keeper classic.

Webmoney wallets

If you have a question about how to use webmoney not only in Russia, but also in Belarus and Ukraine, then you will immediately receive an answer as soon as you start creating electronic wallets.

There are several types of wallets in which you can store different currencies. For transactions with Belarusian rubles you need to select a WMB wallet, for transactions with Ukrainian hryvnia - WMU. If your employer pays you to a WMR wallet (Russian rubles) or to a WMZ (US dollars), then everything is simple - you will need to exchange the received currency for the currency of the country in which you live. So, as you understand, using webmoney is impossible without having wallets and funds for them.

In order to learn how to use a webmoney wallet, you must first create it. To do this, open the webmoney keeper classic application, then the “wallets” tab, click the “Create” button and select required types wallets.

In order to exchange one currency for another, you need to click on the wallet with the currency that you will exchange, right click mice. In the menu that appears, you will see the operation “Exchange WM* to WM*”. After clicking this line, a window of an electronic money exchange office will appear in front of you, change it to the currency you need and withdraw money to a card or in cash through a bank (right click on your wallet - transfer WM*...).

But this, of course, is not the only way how to use webmoney money. In principle, you do not have to convert money into real currency, but leave it electronic. After all, everyone modern man there is a list of monthly bills that need to be paid - mobile communications, electricity, internet, television and many others. Why don't you pay necessary services without leaving home using webmoney? Just go to webmoney classic keeper- “my webmoney” tab and select what you need to pay.

Today it is no longer possible to imagine your life without the Internet. Global network opens up enormous opportunities for people: you can learn current news, meet new people, shop without leaving home!

Types of certificates and the procedure for their registration

In the Webmoney system there is a unique system of certificates, which has specific features. Each type of certificate is characterized by available functionality and restrictions. Let's look at them in more detail.

Alias certificate

It is usually used to buy something online and pay for small purchases. This type The certificate is suitable for beginners who do not yet know how to use all the capabilities of WebMoney. It is worth considering that the level of trust on the part of users in the owners of pseudonym certificates is low. The certificate is issued automatically after registration.

Formal certificate

It suits everyone active participants payment systems that constantly use an electronic wallet to carry out transactions. Holders of such certificates have access to additional options: regular payment for services, withdrawal of funds. The certificate is issued free of charge after a participant in the system enters passport data on the WebMoney website.

Initial certificate

This type of certificate is chosen by company employees. Thanks to it, the level of trust on the part of users increases. Get initial certificate can be done in two ways: free (if you use money transfers through the website perevod.webmoney.ru) and for a fee (when the personalizer checks the passport data).

Personal certificate

It is used by businessmen and advanced users who want not only to make transfers, but also to earn money online. Personal certificate– guarantor of the wallet owner’s reputation. You can get it for a fee after the registrar checks your passport data.

For each type of certificate there are corresponding limits. Detailed information information about obtaining certificates is described in this review.

Deposit and withdrawal of funds

After the user has registered an account in the system, logical question: “How to top up my account?” In fact, everything is quite simple, since the WebMoney system offers enough wide choice ways to replenish your balance. You can use a bank card or. The most best ways replenishments have been collected.

Electronic Webmoney wallet allows system participants not only to replenish their account, but also to withdraw funds.

Advantages of the payment system

Payment system Webmoney has been operating since 1998. Today it is used by the vast majority of Runet users. This indicates impeccable reputation service. WebMoney is updated periodically: new features appear, the design of the service changes.

This fact is direct confirmation that the system is developing and not standing still. Now let's take a closer look at its benefits.

funds are transferred as quickly as possible, which saves time;
There are many ways for users to deposit/withdraw funds;
the commission for withdrawal of funds is small and depends on the chosen method;
The WebMoney system is popular, so almost all major services cooperate with it;
the payment system is considered one of the most reliable, as there are many ways to protect your wallet;
technical support answers all user questions, and in a short time;
there is arbitration that helps resolve various disputes;
WebMoney cooperates with many banks, so operations for depositing and withdrawing funds are carried out quickly;
users can manage their account using their phone (thanks to special application, developed for almost all mobile OS).

That's not all positive aspects payment system, in fact there are much more of them.

A small dictionary of terms

Advanced participants in the system use quite specific terms in communication. In order for beginners to understand the meaning of these definitions, we have compiled a small dictionary. It can be found below.

account – account user in the system;
arbitration – special service, which resolves disputes between users.;
certificate – a special certificate that is issued to users in digital form;
BL – business level of the user in the system;
WMID unique number, allowing you to identify each user of the system;
keeper – a program that allows you to work with the payment system;
WMU – title unit, which is the equivalent of the hryvnia;
WMR – title sign, which is the equivalent of the Russian ruble;
WMZ – title sign, which is the equivalent of the US dollar;
WME is a title unit that is equivalent to the euro.

User Reference Materials

There is a special section on the official website of the payment system where you can view all information regarding the functions.

In order to find the answer to your question, you must select the appropriate section.

Let's say we need information on how to check BL. To do this, select the “Help” section and find desired item. After which you can view all the information on a special page.

If you could not find the answer to your question in the “Help” section, you can contact technical support.

If you have definitely decided that you will actively use this payment system, then you should worry about protecting your account. The developers paid special attention to security, so the user can choose any available funds protection:

Installation complex password. There is no need to set a password that consists only of numbers; use numbers and letters of different case. The combination must be long and complex.
Confirmation of the transaction using a mobile phone. This function allows you to secure your account, since when performing any operation you will need to enter a code that will be sent to your phone.
Using the E-num authorization system. After connecting E-num, you can log into your account in several ways.
IP blocking. Another effective way account protection, the essence of which is that you can log in only from the previously specified IP address.

Summing up:

After all of the above, we can draw one conclusion: the WebMoney payment system has wide functionality that is available to all users. Anyone can register, because the registration procedure is quite simple. Thanks to reference materials and technical support you can get all the necessary information.

An account in the system allows you to pay for purchases or transfer funds. You can pay for the Internet, buy a game or a book. If you want to get these opportunities, then join the system!

WebMoney- This payment internet system. With the help of funds on WebMoney, you can do almost everything that we do with money in life: pay for goods, top up a mobile phone, transfer money to bank cards, pay for any services on the Internet, exchange currency and much more.

If your time has come and you decide to start use WebMoney, then this article will answer most of your questions. To become a full participant in the payment system WebMoney systems and take full advantage of the opportunities, we will need to do 4 simple steps:

The official website of this payment system is located at http://webmoney.ru and before we start using this payment system we need to create our account. When you go to the site, pay attention to the green “Registration” button. That's what we need.

In a few steps you will need to: enter your mobile number, personal data, confirm your email and phone number, and then come up with a complex password.

Here I described it in a nutshell, but if you need details, then read my lesson: . Everything is described there in great detail.

Installing the program

This step is optional. You can use WebMoney using a browser and the official payment website.

This is what our account looks like after registration:

Here you can transfer money, receive and pay for services. This version is called Mini. Suitable for ordinary users.

But if you want to perform operations directly from your computer, then you will need to enable Classic version, then get formal certificate And . You can read the relevant lessons using the links in that sentence and everything will become clear :)

We create wallets and replenish them

I don’t see any point in using WebMoney either by creating wallets or adding funds to them. Let's figure this out.

In our account we need to open the “Wallets” menu.

And here click the “Add” button.

B. >

Select the currency of the future wallet, check the box and click “Create”.

In your account, find the “Payment for services” section and click the first link “ Select service type».

Now we indicate our operator. In my case it is MTS.

Enter your mobile phone number and top-up amount and click “OK”.

A confirmation code will be sent to the phone number to which your WebMoney account is linked. It must be entered in a new window.

The account has been successfully replenished.

This way we can pay for other services and goods through WebMoney. But nothing is limited to just the site. You can pay with this payment system in other places; very often online stores accept WebMoney for payment.

If you provide some services yourself, then perhaps you will need the opportunity to receive money into your wallets, and perhaps transfer it to your relatives or someone else.

Now you know the main points of how to use WebMoney correctly and, if you wish, you can begin to apply your new knowledge today.

Given the current volumes of goods and services sold on the Internet, it is logical to create electronic wallets for non-cash payments. Managing electronic money is easy and convenient; let’s look at the example of the WebMoney system.

Recruiting at address bar Internet browser www.webmoney.ru. On the website, click on the “Registration” button. We indicate your mobile phone number. Linking to a number guarantees the security of access to the wallet. Transfer of funds in the future will be carried out only with our consent by receiving an SMS with a code. After entering the number, click “Continue”. We fill out the form. You can uncheck the notification boxes if you wish. If there is free time, read the terms of the agreement, which we accept when registering in the system. Click on the “Continue” button.

Next, you need to enter your passport information. If we plan to withdraw money in the future, say, to our bank card, then you should enter real data. Then you will have to confirm them with scanned documents.

The system prompts you to check the entered data again, since some of them cannot be changed. We check and click “Continue”. The next registration steps are email verification and phone numbers. A letter from the WebMoney system will be sent to the mailbox specified in the form. The received code in the letter must be entered in a special field during registration. Same with the phone number. After verifying this data, we are allowed to assign a password to our account. Our account was assigned a 12-digit number identification number WMID. We will need it every time we enter this site. So, enter the WMID and password, enter the captcha, and click “Login.”

Ours will open personal account, which is still empty. In order to deposit or transfer money from somewhere to WebMoney, you need to create a ruble WMR and, just in case, a dollar one WMZ wallet. To do this, open “Wallets”, click on “+ add wallet”, in the page that opens, select the currency of the wallet, check the box indicating that we agree with the terms of the system. Each wallet is assigned a number of 12 digits, followed by a large Latin letter, indicating the currency of the wallet. This is the number that needs to be indicated when we want to top up our WebMoney wallet. To withdraw funds from the system, you must have at least a formal certificate status. To do this, you will need to attach a scan of two pages of your passport (with photo and registration) and TIN, and send them for verification. If the outcome is successful, the status will change and the possibilities for managing funds will expand. To attach scans of documents, go to the “Certificate” tab in top menu. IN open page“WebMoney. Passport”, click “Login”, enter the password and captcha. Scroll down a little and find “Uploading documents to the server.” Add files with scans and save. The verification may take a long time.

We open a wallet from which we will withdraw money, for example, to a bank card. In the list of possible operations, select “Withdraw funds”. A page will open offering a choice of ways to withdraw wallet currency. Click under Bank transfer on the “More details” link. The WebMoney.Banking page will open, click “Login” on the right. Click on the R-wallets link, then “Outgoing transactions”. The first time you will have to enter all the details of your personal bank account, then you can use the template. With the help of the withdrawal processing assistant, we go through all the stages of creating an application. At the end, a message will appear that the invoice has been issued successfully. We go into our wallet and wait for the number 1 on a blue background to appear above the “Accounts Payable” label in the right corner. Click on it, click “Pay”, then “OK”, then in the “Confirm the transfer of funds” form, click “Submit”. An SMS with a 5-digit code will be sent to your phone, which you need to enter here. The system withdrew money from the wallet, taking into account the commission, and sent it to the card. On average, the transfer lasts a day.

Also with using WebMoney You can top up your mobile phone account, pay for online purchases and utility bills, and transfer money to other wallets. This is very convenient, especially for those who make money online.

On the Internet, it is common to use virtual currencies for payments between users. Such equivalents of rubles, dollars, euros and other currencies are located in the virtual wallets of users registered in payment systems.

Using virtual currencies, you can not only make transfers to each other, but also pay for your mobile phone, pay for the Internet or other goods, even trips abroad. All these payments are made in just a couple of clicks. But first you need to get acquainted with at least one of these systems, for example, Webmoney.

Most experienced Internet businessmen have already learned what WebMoney is. After all, the service helps not only earn money, but also cash out the funds received using bank cards. This means that the money you earn online can be spent not only on the Internet, but also in completely real life, for example, at the market or in the nearest store.

Application of WebMoney limits in calculations

In order to understand how to use the WebMoney system, it is necessary to open the wallets necessary for the work. Further in your work, you can use several methods of sending and receiving payments:

Classic,
Mini,
Light.

Each of them has restrictions on the amount of funds received and transferred.

The WM Classic program has the maximum resource. But there are still limits for users who have undergone full or partial identification by disclosing data, including passport data, to the service. These restrictions are regulated by certificates:

pseudonym;
formal;
individual;
personal.

Each of the certificates imposes overall limits on the balance in virtual wallet, daily or monthly volume of transfers.

Opening Webmoney wallets

Registration in the system is carried out on the pages of the official website webmoney.ru. To do this you will need to indicate your email address virtual mailbox and mobile phone number.

Opening a wallet in the WM Classic program

For security purposes, all external transactions are carried out with confirmation of the code from SMS messages.

When opening an account on the site, users are assigned a special digital code WMID, which performs the login function.

This is not a wallet number, but an identifier in the system. Also with it, all clients are provided with a key file in which data for conducting transactions with wallets is stored. It can be downloaded and uploaded to any convenient removable media. You will need it if operating system users will reinstall or send money from their wallets through other people's computers.

Since the downloaded program provides the largest limits on payments within its certificate Webmoney Classic, then it is used most often. When you first install it on your computer, it will ask for a password for WMID, as well as a password for keys and the location of keys from removable media. After entering this data, an empty program window will appear.

IN top line program, under the “Menu” button, a set of available commands pops up. Among them is opening a wallet. You can create wallets in several virtual currencies. It is advisable to have ruble and dollar accounts, since these are the most popular payment currencies on the Russian Internet.

The currencies in this system have slightly unusual names. For example, WebMoney virtual rubles are called WMR. And dollars represent WMZ. There are also euros, gold, bitcoins and several national currencies like Belarusian rubles (WMB) or Ukrainian hryvnia (WMU). They are more widely used in their own countries. The entire list can be seen when opening wallets.

The system allows you to open an unlimited number of wallets under one account (WMID).

The user may have his own reasons for this. For example, control of expenses or income in different areas. There is no cost for this.

Operations in the WebMoney system

enjoy Webmoney wallet, transferring money to it from your other wallets under one WMID is completely free. But if a system participant wants to send money to another user, then a standard commission of 0.8% will be charged for this operation.

Opening a WebMoney card

If the user received virtual payment in a currency that is inconvenient for him, he will be able to exchange it for a more comfortable one at any time. This is also done in the “Menu” of the WM Classic program. There is also a transfer button there. virtual money to one of the system users.

You can top up wallets in various ways both by bank transfer from a bank card and in cash at special terminals located in shopping centers, train stations, stations public transport and other crowded places.

You can link a bank card to your account and withdraw money earned online to it. The operation takes place instantly. You can then withdraw these funds from the card without any problems.

The WebMoney system also provides for the issuance of several types of cards, including virtual ones for safe shopping on the Internet. And you can release plastic card for withdrawing cash from ATMs. This is done through an account on the site pages.

Top-ups available for users mobile phones and payments for various popular services. A list of available destinations can be found on the WebMoney website.