How skrill works. Skrill payment system

The Skrill payment system has an international status and is headquartered in the UK. The platform enables international electronic payments, transfers between Skrill clients, and deposits and withdrawals. Skrill will be of interest, first of all, to online players and freelancers of photobanks, since it is through this payment system that most bookmakers, poker rooms and photobanks withdraw funds. Skrill is a reliable and profitable payment system for American and European poker players; it has no equal in the field of gambling. In other areas, Skrill is almost never used.

An account with Skrill (Moneybookers) imposes certain obligations on the client and is not anonymous. This is not an offshore platform, accounts and data are extremely transparent, withdrawals can only be made to a bank account or card - no transfers from individuals and exchangers. Skrill issues a card from MasterCard, but at the moment it is available only to residents of member countries of the Single European Payments Area (SEPA).

Turnovers in the payment system are regulated by the Financial Services Authority (British Financial Conduct Authority). If problems arise, you can file a claim with the FCA and the financial ombudsman, some users have a positive experience of contacting these authorities with successful resolution of situations.

Working with Skrill

This payment system has a lot of rules, which are absolutely impossible to break. Accounts are closed just on the basis of suspicions of laundering, and the accounts of a whole chain of users leading to a suspicious transfer are canceled - there are many such cases. Skrill does not serve individuals residing in non-FATF (Financial Action Task Force) countries.

After registering, you will receive a personal Skrill account linked to your E-mail, to which funds will be sent. As soon as the sender transfers the money, a notification will be sent to your E-mail about the receipt of the transfer. Clicking on the link in the email credits the funds to your account and the transaction is considered successful. You must activate the link in the letter within two weeks, otherwise the transfer will be returned to the sender with losses on the commission.

Skrill status system

Changing statuses involves a gradual reduction in commissions, the removal of limits on transactions (subject to full verification) and the possibility of opening an account in another currency (with Silver status) upon receipt of one of the VIP statuses. You are guaranteed a full refund as a result of fraud or account hacking (if you have taken all measures to protect, including two-step verification).

There are four Skrill VIP levels:

Bronze
Silver
Diamond

To get a VIP, you must transfer 6,000 euros to the partner accounts for a three-month period. The status is saved for 6 months, then you need to confirm it again. Another advantage is that the online support service responds more quickly ( [email protected]), the rest have to call.

A VIP user of the system, who has several accounts in different currencies, can transfer funds between accounts (there are commissions for the exchange).

Skrill accounts

You can choose one account from several possible ones: for business, personal, commercial, buyer account, seller account, affiliate, VIP. You can learn more about accounts in the corresponding help section on the Skrill website.

You can check your account limits in Settings, in the Limits and Verifications menu, they depend on the type of account, deposit method and verification status.

Scrill withdrawal limits change periodically. If you need to raise them, you need to make a corresponding request through the page Settings In chapter Account limits.

Account currency cannot be changed. Only by closing the current account and opening a new one, you can change the currency. The only option is to get VIP Silver and open another account.

If for security reasons you decide to change your E-mail, you will have to go through the next procedure. This applies to any changes in personal data, confirmation of certain transactions.

The payment system client has the right to close the account in the Account Settings in the Settings section. You can withdraw money before closing out of limits by contacting support. To close a Skrill account, you need to pass identity verification. The system can close your account on its own without prior notice and explanation of reasons.

The main reasons for blocking an account:

The account was used for commercial purposes, although it was listed as personal. The system independently decides which goals are commercial, which are gaming, and so on.
The company has suspicions or reason to believe that you are laundering money, becoming part of a fraudulent scheme, terrorism, etc.
Skrill account may be frozen on suspicion of wallet hacking.

Described in a separate article.

Skrill Security provided with two-factor authentication (2FA), PIN request and periodic verifications. 2FA requires a password, login, date of birth and a QR code to be scanned with your smartphone (). The Skrill payment system does not work with anonymous accounts, this can be considered the highest security measure.

Skrill Affiliate Program involves a commission of up to 100 euros from an invited client. Within 12 months, you are promised a transfer of 10% of the commission from the clients you referred. If you become an official partner of the system, you can receive 20% of the transaction fee up to 1000 euros.

Often, freelancers, photographers, stock market players, buyers abroad or online goods and gambling enthusiasts have to deal with foreign sites that have a limited number of directions for money circulation, among which the Skrill payment system is periodically found. Previously, the payment system was popular only abroad, but recently (since 2016), the popularization of the Skrill wallet began to spread to the Russian audience, including nearby Russian-speaking countries. Therefore, we will consider the main features of Skrill, its functionality, registration procedure, advantages and disadvantages, in order to have one more reliable online payment tool for doing business and work.

An interesting fact is that earlier, until 2011, the Skrill payment system was known as Moneybookers until the transition to new owners. Currently, Skrill is fully controlled by UK law.

Skrill wallet registration and verification

To start registering a wallet on the main page of the official website of the payment system, click the " Open a free account"- in this case, the registration form with the Russian language will immediately load. Otherwise, the language version can be changed in the upper right corner.

At the first stage, you need to specify a valid e-mail (I recommend the Google mail service), come up with and confirm a complex password.
At the second stage, you will need to enter your first name, last name and date of birth. It is necessary to indicate all the data in transliteration, since the system does not let the Russian language through.
At the third stage - an indication of the country and the choice of currency. Please note that it is not possible to change the currency in the future.
At the fourth stage, more accurate information about the address of residence is filled in.
At the fifth and final stage of registration, you need to enter your phone number, solve the captcha and check the box to agree with the Skrill rules.

Upon completion, a notification will be sent to the specified e-mail, activate the profile by clicking on the link in the message.

By default, the created profile is limited in actions and has a set of strict limits on the operations performed. To remove the restrictions, you must go through the identity verification procedure. Verification will provide a higher level of trust to the user on the part of the Payment System Administration, removing the existing functional framework.

Skrill verification is allowed only at the time of withdrawal of funds from the wallet account. For full instructions (with pictures), go to " Settings", then select the section " Personal information and click "Verify" at the bottom.

Security setup

Before you start using your Skrill account, you will be advised to set up security every now and then. Do not put this matter on the back burner - an important factor for a competent owner of an electronic wallet. To prevent an attacker from getting your money, go to the " Settings", "Account Settings" tab and enable the "".

For implementation, you will need to install the Google Authenticator application on your smartphone. After confirming 2-Step Verification, 5 backup codes will be displayed on the screen (each can only be used once). They must be kept in a safe place. They are necessary in the event that it is not possible to use Google Authenticator.

Additionally, Skrill insists on setting up a pin for operations - this will further increase the security of the payment system wallet. Use this opportunity.

Deposit and withdrawal of money

Withdrawing money from a Skrill e-account depends on the country of residence, the following methods are most in demand:

bank account, up to 5 working days;
debit/credit card (VISA), up to 7 working days;
through to another payment system, on average within an hour.

The amount of the commission depends on the chosen action.

Advantages and disadvantages of Skrill

The list of positives is obvious:

transfers to bank cards;
availability of an affiliate program;
own plastic card;
mobile app for iOS and Android platforms.

But when there is a plus, there are always minuses:

a large commission for transactions compared to similar payment systems;
preferential work with foreign portals;
limit on the total amount of transactions carried out without verification (as soon as the withdrawal amount reaches 2500 euros, you will have to confirm your identity, otherwise the funds will remain frozen on the wallet);
recently no longer accepts or makes money transfers to bank accounts in US dollars.

Conclusion

While being Moneybookers, the Skrill payment system has successfully carved its niche in the field of e-commerce. And although a lot of water has flowed since then, modern entrepreneurs who successfully make money on photo stocks, sellers and buyers of sites like eBay and offline foreign merchants resort to the services of Skrill.

If you had to deal with the selected payment, do not waste time and immediately set up security and verify yourself. Periodically change passwords, and if you leave your wallet idle for a long time without work, withdraw all the money in your account.

Hello, dear readers of the blog site. Today I want to continue the topic and consider one of the most democratic and not snickering (in terms of commission charged) international payment systems - Skrill. This company for some reason produced and became known as Skrill, but many still know it under the old Moneybookers brand (which is why I bring them both, just in case).

In principle, Skril is inherently very similar to the one already considered earlier, but at the same time it differs from it for the better. This is especially true for residents of third world countries and the former union, who were openly discriminated against in Paypal (they were limited in their ability to withdraw funds from the account). Well, this system does not make such cardinal differences between the inhabitants of prosperous and not very countries of the world (although certain differences will still take place, but not so significant).

Skrill - features and benefits

Moneybookers has been on the market for a long time (as far back as 2002) and London was its birthplace. In this regard, the conduct of all monetary transactions in this payment system is regulated by the relevant UK laws. In fact, the money of its users is placed in the bank accounts of this company.

But these are details, and the main thing is that the Skrill system is now used by more than 10,000,000 people around the world and the main feature that attracts such a huge number of people is a fairly high reliability and a very low (not at all extortionate) deposit fee, withdrawal and transfer of money within the system.

True, you most likely will not succeed in exchanging this electronic currency for any other (, WebMoney, and even). And if it works out, then Moneybookers can then ask you to take your money and leave the bosom of this cozy and convenient money transfer system. Another disadvantage for some may be that there is no such thing as privacy in it.

It is thanks to this that the system provides a very high degree of protection of money from fraudulent activities (recently they have the ability to connect two-step authentication, which significantly increases the security of working with the account). Before you can make any transactions with your Skrill funds, you will need to confirm your personal details. All transfers within the system are also carried out with your name, but all other personal data is provided only to the relevant authorities upon official request.

And after that, you should only indicate your bank account number:

Then you will need to make a transfer to your bank account and contact your manager so that he can look at the verification code in the Swift message. It is usually written on a line starting with seventy and is between the words VRF CODE and MONEYBOOKERS.

Some banks (such as Sberbank too) do not receive this Swift information and you will have to go through an alternative method of verifying account ownership, but it is possible that such problems are already in the past. To receive instructions if verification is not possible, you need to contact technical support.

Features of your wallet in Skrill

At logging into Skrill under your username and password, you can now be offered enable 2-Step Verification to login to Skrill:

Its essence is to increase the protection of your wallet, because to enter it after that you will need not only to enter a password, but also a code that generates an application installed on your phone. Hacking a wallet in this case will be an order of magnitude more difficult (if only by social engineering methods). If such an offer didn’t automatically pop up for you, then you can activate two-step verification on the “Settings” - “Account settings” tab.

By the way, on the same tab you will find the “Referrals” item. What do you think this means? That's right, in this system there is an affiliate program, according to which you can receive your very significant percentage of the spending of customers attracted to Skrill through your affiliate link. It can be seen if you click on the "Browse" button in this line.
By the way, with the help of Moneybookers, you can not only pay for goods in online stores or receive payments from the bourgeoisie (), but also (how the name of the site in Russian spelling does not sound euphonious). Well, you can get a lot of everything else for this electronic currency.

You can also demand money (sounds great) or, in other words, issue an invoice even to someone who is not registered with Skrill yet. In general, a lot more can be done, so I leave you to figure out all this diversity. By and large, everything is clear and without additional explanations, therefore I am silent.

I didn’t see any particularly negative reviews about working with Skrill (unlike the same ones), although there were complaints about the overly inert work of the technical support service. If someone has their own impressions of working with this payment system, then you are welcome to speak in the comments. Thank you.

Good luck to you! See you soon on the blog pages site

What is Skrill

Skrill( formerly Moneybookers) is a global payment system that allows individuals and businesses to make transactions quickly and securely via email.

The start took place in 2002 year.

Owner GatcombeParkVentures(London, Great Britain).

Skrill is available in more than 190 countries, and today the number of users is approximately 25 million.

The functionality of an electronic wallet is similar to PayPal, but it is more democratic and loyal.

The company was originally known as Moneybookers.

It wasn't a PayPal challenger - it was an easy way for people to transfer money while gambling or placing bets online.

More 120 000 sellers use their solutions for settlements.

Key features:

No setup or monthly subscription costs,

Direct processing over 60 local payment options,

One contract and one interface for all payment and banking services,

A wide range of payment methods similar to Payer, SolidTrustPay, Bitcoin and PerfectMoney,

Multiple integration points ( Hosted payment or XML page),

Quick checkout, wallet, regular billing, virtual terminal and other vital services through one account,

Free digital wallet.

The Skrill eWallet provides a simple and secure payment solution with very competitive rates.

With an e-wallet, you will have access to the highest conversion payment gateway with a high degree of data protection and high competitiveness.

Commissions:

There is no fee for receiving money,
The fee for sending funds is 1% from the sent amount ( maximum 10 euros),
Transferring money to a personal account is usually free, but in some cases a small fee is included,
Payment in the store or transfer of funds is free,
Deposits to a personal account with a credit card have a commission of 1,9% from a transaction
Withdrawal from the account: credit cards ( only VISA): 2,28 US dollar; Bank transfer: 2,28 USD; Examination: 4.43 USD.

Deposit and withdrawal of funds:

Replenishment:

bank transfer,

Credit / debit card,

Instant banking (eg. giropay, eNETS, Netpay, Inteligo, P24, Nordea, POLi).

Conclusion:

Bank account,

Visa credit card, checks.

Advantages:

Instant deposits and withdrawals,
The highest level of security
high competitiveness,
Exclusive bonuses for Skrill users,
More 36 million trustees,
IOS and Android applications.

Minuses:

Many projects do not accept Skrill,
Rather, a limited number of withdrawal methods,
Not very fast customer support.

Complaints and Services

Currently on different sites you can find more 200 public complaints against Skrill, many of which accuse the company of fraud or failure to provide services.

Most claims refer to:

frozen money
funds held,
Unauthorized and fraudulent payments,
Poor or unavailable customer service,
Suspicions of fraudulent sales methods.

Many of these complaints were submitted by users, but most of them were written by sellers.

In general, merchants are leery of keeping money in the system for a long time, especially due to the excessive authentication process required by the company.

The most interesting:

Many customers reported that they were unable to contact anyone in Skrill for several days in a row.

In many cases, people's claims have been rebutted by Skrill confirming that users have violated the terms of use, but the way support communicates with their customers and terminates their service seems to be a major source of frustration.

We cannot give the payment system a favorable rating given the high number of complaints citing long-term fund delays and zero communication with the company.

Positive reviews:

You won't find many amazing Skrill reviews.

This is a common problem:

Many people who have bad experiences are happy to comment, but those for whom the service works do not always brag about it.

However, I am happy to say that I have at least found a couple of positive reviews about this payment system.

Mostly people write about how easy it is to use Skrill or how convenient it is.

Besides:

You will see that the company has business relationships with big names like Skype, BigStock Photo, GoDaddy and freelance platform Upwork, all of which confirm my belief that Skrill is legal... just not the best choice.

If you had a positive experience with the wallet, don't forget to leave us a comment!

Conclusion

Skrill is rated as a poor quality payment service provider according to our criteria.

Customers report sudden account freezes and hold funds, but more importantly, they also state that it is very difficult to resolve these issues in a timely manner through customer service.

These statements are confirmed by the fact that the company does not respond in a timely manner to a significant part of the complaints in its direction.

But time goes by and things change. Last year, bookers announced the upcoming rebranding of their brand. The word Skrill was chosen as the new name of the payment system. To be honest, I don’t even know where it came from, what it means and why this rebranding was needed. But, of course, no one asked my opinion, and therefore you will have to receive money through Skrill. Under the name change, the owners of the system also organized a redesign of their site. This summer, a new version became available for use, and so I thought it would make sense to do a little review in terms of how and what for those users who are just starting to use Skrill for their needs.

So, I would like to drop a couple of general phrases about Skrill. The Skrill payment system (formerly Moneybookers) is quite popular among residents of Russia, Ukraine, Belarus and other neighboring countries, primarily due to the restrictions that the PayPal system has set for residents of these countries. If someone is not in the know, then Paypal allows you to pay for something, but receiving money through this system is very problematic. In one of the articles on the blog, I wrote about what is possible through Pioneer cards. But Skrill allows you to work completely normally and without bothering with multi-stage schemes. You can easily send money, receive money, enter money into the system and withdraw from it with minimal commissions. This system is very helpful for photo stockers, as everyone is connected to this system and all earnings can be received through it. By the way, judging by the banners on the system's website, all kinds of online casinos and poker sites are connected to this system. Okay, let's go back to where we started, that is, consider the registration process in Skrill.
First of all, we go to the system website by clicking on the banner in the header of this article. We have a window that looks like this:

If you need to change the interface language, click on the corresponding flag in the upper right corner. If everything is fine, then click on the REGISTER button. A new window will open that looks like this:

Here you will need to specify all the data required for filling. Please note that everything must be filled in in Latin, that is, in English letters. Check the information you provided and if everything is fine, then click on the "Go to Step 2" button. Once again, I would like to draw your attention to the fact that you need to carefully check what you have entered in this form, since then a verification (verification) letter will be sent to you for this data. If the data was incorrect or erroneous, then the letter will not reach you and you will not pass full verification. By the way, if you are registering on the Skrill website as an entrepreneur or a legal entity, that is, you plan to use the system to receive payments or make settlements on your website, then click on the link at the top of the form to register an enterprise account. Let's go back to registration. At the second step, you will see the following window:

Here enter your email, date of birth and password to enter the site. In Skrill, the email is further used as a login at the entrance. Don't forget to put a checkmark next to the item about agreeing to the rules and policies of the system. If you do not want to receive the system's newsletter with all sorts of promotions and news, then uncheck the box next to this item. If everything is done, then click the button at the bottom of the page and the Skrill account will be created. In the window that opens, you will be notified that an email has been sent to your email. In this letter there will be a link on which you will need to go and then the specified email will be verified.

So, the email is verified and you are in your Skrill account. The account overview tab displays transactions for the last 2 weeks, displays your account balance and immediately has buttons for depositing and withdrawing money from Skrill. By the way, do you see how many banners from casinos and poker sites? I mentioned earlier that the system is popular in this category of clients.

As you can see, your data is displayed here and there are links for verification. If you have not received an email from Skrill, then click on the "Verify" link under the email. A window of this kind will open, where you click on the "Go through the verification procedure" button and check your mailbox:

In the window with personal settings, you can also immediately order mail verification. What for? Skrill has certain limits on the turnover of money when entering and withdrawing money from the system. The basic limits are very low, and the increase in limits is tied to the passage of various kinds of verifications, including your address of residence. When this process is activated, a letter with a code will be sent to your home address, which you will need to enter on the system website.
Now let's look at the limits section that I mentioned in the previous paragraph:

As you can see from this screenshot, the basic limits are very small and amount to just over sixty dollars for 3 months. How to increase limits on Skrill? Click on the "Increase limit" link and you will see how you can increase the basic limits on Skrill.

One of them I have already mentioned is the verification of the postal address. The other two are card verification and bank account verification. In fact, the last 2 methods are linking an account and a card to a Skrill account and can be done through the "Cards and Bank Accounts" section, to which I go:

Again, everything is quite simple. Choose in this window that you want to add a card or account and click on the appropriate button. For example, adding a payment card looks like this:

In the window that opens, enter all the necessary data from your bank card. Click on the "Add card and continue" button. After adding the card, it will need to be verified. Card verification on Skrill is a replenishment of the Skrill account with an amount in the range from 1 to 3 dollars. The bottom line is that you will need to find out from the bank how much was transferred and enter it in the appropriate field in your Skrill account. If the amount is correct, then this money will appear on the account balance, and the status of the card will change to verified. After that, the limits will be raised by the amount specified in the account, and it will be possible to withdraw money from the system to the card.
Adding and verifying a bank account is as follows:

Specify your country, SWIFT bank code and bank account number and click on the add button. After adding an account, you will need to verify it. With an account, the verification procedure is slightly different from card verification, since it is not a replenishment that is done, but a trial withdrawal of money to the account. When the money arrives at your bank, the purpose of the payment will contain a verification code, which you will need to enter in your Skrill account and the account will be verified, and the Skrill limits will be increased by the corresponding amount. In principle, these points have not changed since the publication of this information in the corresponding article about Moneybookers, so I will not dwell on this much.

Transfers, deposits and withdrawals from Skrill

So, what else do we have left uncovered? Aha! Deposit, withdrawal and transfer of money through Skrill. Let's see how to do it. In the account overview section on the right side of the window there is information with the balance of your account and 3 buttons for depositing money, transferring and withdrawing.
So, to replenish the account in the system, click on the enter button and see the following window:

Here you will need to specify the input method, the amount and click ok. Replenishment, if it was made using a payment card, will be processed literally within one minute. If you replenish your account from a bank account, then you will have to wait a few days (up to 5 working days).
To transfer money to another Skrill account or to pay for purchases, you need to click on the Transfer button and the following window will open:

Here you need to specify the user's email or ID, the amount of the transfer and the purpose of the transfer. Please note that you can transfer money even to users who do not have an account in the system. Just enter the user's email address. When sending a transfer to the mailbox of this user, a notification will be received about the receipt of money and the need to open an account in the system to credit the transfer amount. The transfer itself is carried out instantly.
To withdraw money from Skrill, click on the withdrawal button:

After that, a window will appear asking you to select a withdrawal method, that is, to a card or to an account.

Also in this window, you must specify the amount and, if the withdrawal from Skrill goes to the card, then you will need to indicate the three-digit code that is located on the back of your card. In the next window, you will also need to indicate the date of birth for additional confirmation and that's it. Now wait for the money. If the withdrawal was made to a bank account, then it will be necessary to wait up to 5 business days. If the withdrawal is made to a bank card, then this is about 4 business days, although the system warns about 7 days. They probably include weekends here as well.
Here, in this way, work is carried out in the Skrill payment system, as for me, nothing complicated. Yes, regarding system tariffs. Transfer inside will cost 1% (but not more than 10 euros) commission for the sender, the recipient does not lose anything. Replenishment of an account in the system through a payment card will cost 1.9% commission, replenishment of a Skrill account from a bank account is not subject to commission. Skrill withdrawals are subject to a €2.95 fee per withdrawal. Please note that these are system commissions, and perhaps there are additional commissions at your servicing bank, but you can inquire about them yourself.
Here, perhaps, and all the necessary information. If anything, ask questions through the comment form, I will answer as much as possible.

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