Features of foreign payment systems. Russian and foreign payment systems Russian and foreign payment systems

16.12.2021

January 21, 2017 No comments

When choosing a foreign system electronic payments you should know well English language. The most popular services are Payoneer, PayPal, AlertPay. The main disadvantage of working with foreign systems is the complex removal process cash.

Withdrawal of income from foreign systems quite complicated due to their lack of payment services used in our country. IN Western countries The most popular is the world-famous electronic payment system PayPal, which is part of the eBay auction.

Foreign payment systems

The main task of any payment system is to make payments for goods and services purchased through the global network. First of all, you must have a personal PayPal account into which your earnings will be deposited.

The main difficulty is the lack of a procedure for withdrawing funds from PayPal in Russia. A bank card must be linked to your account, but it is used to top up your account or make expense transactions.

Of course, Russian craftsmen found a way out. There are sites on the RuNet that use not entirely clean methods for withdrawing funds from PayPal to one of the Russian electronic systems, for example, on Webmoney.

The percentage charged for such operations varies from 9 to 20, depending on the specific service. But it is worth considering that their activities are completely illegal and you are exposing your funds to quite a serious risk.

A way out of this situation may be to open an account in a bank in a country in which withdrawal of funds is possible.

But to make large monetary transactions, you must be a citizen of the specified country; for stateless users, a limit on withdrawals of funds is set at 2,500 euros within one calendar year.

At the same time, among foreign electronic payment systems there are those that can be used to easily withdraw your income to Russian banks. Such a system is AlertPay, which works with MasterCard cards and Visa Classic.

However, it must be taken into account that the account opened in the bank must be in dollars.

Another foreign service that allows you to withdraw money in Russia is Payoneer. This system uses a virtual account to which you can link a Payoneer MasterCard. This option is ideal for all users working on American exchanges.

If you know how to work well, then you can earn money anywhere, but it is much easier to do it in your homeland. Of course, you have the right to make your own choice...

Few people can imagine life without electronic money. With their help, you can make purchases in online stores, pay bills, purchase tickets, transfer funds from one card to another with a lower percentage. What are the most popular payment systems? A list of them is presented below.

List of payment systems

Many people liked the idea of paying for their expenses using electronic money. The main purpose of payment systems (the list will be presented later) is instant settlement with a bank or seller. Now there are many electronic resources, but not all of them evoke delight and trust among the majority of citizens. So, here are the most popular domestic and international payment systems:

"Yandex. Money";
"Mail.ru.Money";
Webmoney;
PayPal;
Visa;
MasterCard;
"World";
Perfect money;
Money mail;
"PRO100";
Qiwi;
Alipay.

This is not a complete list of services for payment with electronic money. But they are most often used by clients. Below are the TOP 5 systems that have won the trust of consumers.

"Yandex.Money"

IN Russian Federation considered the most famous. The main currency is the ruble, but this did not affect its great popularity among the population. It is upsetting that Yandex.Money does not allow its clients to pay for services and goods abroad. However, Russian online stores prefer domestic electronic payment systems. According to statistics, Yandex.Money occupies a leading position in paying for services and goods on the World Wide Web in the vastness of our homeland.

The advantages of this system include the ability to replenish your account by transferring funds from individual. In addition, a definite advantage is the simple and intuitive functionality.

Webmoney

International payment systems, for example, Webmoney, are also in demand. This service offers payments in various currencies. However, the high reliability of the system does not compensate for the complexity of registration. This is why many beginners prefer to turn to another service “for help.” High security for clients - important aspect when performing a financial transaction. This is exactly what Webmoney guarantees.

Although the service has many advantages, its popularity abroad is not as high as in Russia and the CIS countries. According to many users who refused to use this system, the currency exchange process is very inconvenient. Secure payment systems, the list of which is presented and which includes Webmoney, must sacrifice convenience in the name of the reliability of monetary transactions.

PayPal

The oldest one has also joined the most popular electronic payment systems. This is PayPal. It was founded in 1998. The advantages of the service include the variety of currencies with which you can conduct monetary transactions. There are about 24 species in total. According to expert observations, PayPal system used in 190 countries around the world. By the way, this is the service that buyers prefer to use when paying for orders in foreign online stores. In addition, it is rare that a virtual auction is completed without paying PayPal.

Why is this system so popular? Its high reliability and convenient functionality have won the hearts of millions of users. Disadvantages include the inability of clients to enter their personal data. Also, not all countries accept electronic money from PayPal.

"World"

In 2014, the government of the Russian Federation decided to create a service completely independent of Visa and MasterCard. The reason for this decision was the imposition of sanctions on domestic enterprises and banks. This is how the national payment system “Mir” (NPS) appeared. It is designed in the most careful way to ensure convenience, accessibility and reliability for transactions for all residents of Russia. Owned by service Central Bank countries. NPS developers guarantee the uninterrupted and secure performance of various types of transactions using bank cards. Thanks to the “World” service, you can perform standard operations, namely:

cash withdrawal;
making mobile and contactless payments;
payment for purchases in retail chains.

The main advantage of the NPS is considered to be the inability of the situation in the international arena to influence current situation business Accordingly, Russian citizens do not have to worry about accessing their savings and funds to pay for services and goods.

Visa

Visa is a payment system widely used in America and Australia. If you try to pay with this card in Europe, sometimes problems with the terminal may arise, since here they prefer to use a direct competitor to MasterCard. However, according to statistics, the Visa service is used by 70% of clients, while its “rival” is used by only 30%.

To date this map accepted in 166 thousand places throughout Russia and in 36 thousand ATMs. In 200 countries around the world we are ready to accept Visa payment. This service really considered the largest and most famous.

Clients of the system can order one of the types (or maybe all types) of Visa:

Visa Electron;
Visa Classic;
Visa Gold;
Visa Platinum.

The presence of so many types of cards allows us to attribute this fact to the undeniable advantages of the system. Thanks to this, you can quickly make purchases, order tickets and pay for them immediately.

As already mentioned, the payment systems, the list of which was presented in this article, are very convenient for carrying out standard financial transactions. However, experts recommend not keeping all your savings in electronic form, because now there are a lot of scammers on the Internet.

List of payment systems

Many people liked the idea of paying for their expenses using electronic money. The main purpose of payment systems (the list will be presented later) is instant settlement with a bank or seller. Nowadays there are a lot of electronic resources, but not all of them inspire delight and trust among the majority of citizens. So, here are the most popular domestic and international payment systems:

"Yandex. Money";
"Mail.ru.Money";
Webmoney;
PayPal;
Visa;
MasterCard;
"World";
Perfect money;
Money mail;
"PRO100";
Qiwi;
Alipay.

This is not a complete list of services for payment with electronic money. But they are most often used by clients. Below are the TOP 5 systems that have won the trust of consumers.

"Yandex.Money"

In the Russian Federation it is considered the most famous. The main currency is the ruble, but this did not affect its great popularity among the population. It is upsetting that Yandex.Money does not allow its clients to pay for services and goods abroad. However, Russian online stores prefer domestic electronic payment systems. According to statistics, Yandex.Money occupies a leading position in paying for services and goods on the World Wide Web in the vastness of our homeland.

The advantages of this system include the possibility of replenishing an account by transferring funds from an individual. In addition, a definite advantage is the simple and intuitive functionality.

Webmoney

International payment systems, for example, Webmoney, are also in demand. This service offers payments in various currencies. However, the high reliability of the system does not compensate for the complexity of registration. This is why many beginners prefer to turn to another service “for help.” High security for clients is an important aspect when conducting financial transactions. This is exactly what Webmoney guarantees.

PayPal

The oldest one has also joined the most popular electronic payment systems. This is PayPal. It was founded in 1998. The advantages of the service include the variety of currencies with which you can carry out monetary transactions. There are about 24 species in total. According to experts, the PayPal system is used in 190 countries around the world. By the way, this is the service that buyers prefer to use when paying for orders in foreign online stores. In addition, it is rare that a virtual auction is completed without paying PayPal.

"World"

In 2014, the government of the Russian Federation decided to create a service completely independent of Visa and MasterCard. The reason for this decision was the imposition of sanctions on domestic enterprises and banks. This is how the national payment system “Mir” (NPS) appeared. It is designed in the most careful way to ensure convenience, accessibility and reliability for transactions for all residents of Russia. The service belongs to the Central Bank of the country. NPS developers guarantee the uninterrupted and secure performance of various types of transactions using bank cards. Thanks to the “World” service, you can perform standard operations, namely:

cash withdrawal;
making mobile and contactless payments;
payment for purchases in retail chains.

The main advantage of the NPS is considered to be the impossibility of the situation in the international arena to influence the current state of affairs. Accordingly, Russian citizens do not have to worry about accessing their savings and funds to pay for services and goods.

Visa

Today, this card is accepted in 166 thousand places throughout Russia and in 36 thousand ATMs. Visa is accepted for payment in 200 countries around the world. This service is truly considered the largest and most famous.

Clients of the system can order one of the types (or maybe all types) of Visa:

Visa Electron;
Visa Classic;
Visa Gold;
Visa Platinum.

As already mentioned, the payment systems, the list of which was presented in this article, are very convenient for carrying out standard financial transactions. However, experts recommend not keeping all your savings in electronic form, since there are now a lot of scammers on the Internet.

At the beginning of his journey, any investor is faced with the problem of how to organize the safe transfer of his funds into the hands of management company or an individual, as well as how to be able to safely and quickly receive these funds back.

For a private investor, electronic currency is one of the main tools with which he has to work every day, because it allows him to quickly and at any time carry out monetary transactions of almost any volume.

Today, a sufficient number of electronic payment systems have already been created on the Internet, with the help of which you can transfer your money anywhere and anytime.

It should be noted that many existing EPS are not protected by the state, but they are quite safe and their annual turnover amounts to billions of dollars.

Let's look at the most popular and accessible electronic payment systems on the Internet today for residents of the CIS countries.

The PerfectMoney payment system is gaining particular popularity in the CIS market, especially after the closure of its main competitor, LibertyReserve, in 2011.

The system was created in 2007 and officially registered in Panama. Safety virtual office EPS was developed by a group of specialists in the field of information and financial security.

3 individual status user and 3 currency wallets (USD, EUR, Gold)

Transfer commission 0.5% (for verified users)

Accrual of 4% per annum on the account balance monthly

Affiliate program 1% per annum from the minimum monthly balance on your partner’s account (payments monthly)

Can create and transfer e-vouchers

Credit exchange and API function (automatic payment acceptance)

Simplicity and convenience in registration and working with the system

There is an application for mobile devices to control your account transactions

It is possible to create subaccounts with a separate login and password (they have limited functionality)

No special software, all operations take place in the browser, which is not always convenient and safe.

The system is highly popular among administrators of various financial pyramids and HYIP projects because it is easily implemented on the site and has an automated system for receiving and issuing payments.

The low commission for transferring funds and ease of use clearly attracts the majority of investors, which contributes to the active development of PerfectMoney EPS.

This system was formed in 2007, but the peak of activity came in 2012 when a partnership agreement was signed with VISA and an electronic card was created Visa QIWI Wallet.

On at the moment The QIWI system has a wide network of its own payment terminals throughout the CIS, and is also actively developing in other countries using a franchise.

What are the features of this payment system:

Your phone number will forever be linked to your account and payment card

MobileWalletRUB's main currency is equivalent to the Russian ruble

The commission depends on the direction of payment and is 0 - 4%

Payment can be made via SMS

The advantages of this payment system:

You do not need to provide your passport details for registration, just your number mobile phone

Wide range of possibilities for depositing and withdrawing money, including your own terminals

Has a Java application for installation on a mobile device

High level of transfer security

Converts well, is present in many virtual exchangers

Disadvantages of this payment system:

High commission for withdrawal when cashing out funds, up to 4% of the transfer amount

Poor selection of electronic currencies

QIWI is a popular payment system for making transfers in Russian rubles.

Popular among investors, as it makes it possible to arrange a virtual electronic card to make payments for free. The system is widely used in Russian investment resources, but also has its implementation difficulties.

Yandex Money is another old-timer among the segment of electronic payment systems in the CIS market, which has been successfully operating since 2002. Since 2012 it has become available to users free issue kart Gold MasterCard linked to the main Yandex Money PS account.

In July 2013, Sberbank of Russia acquired a 75% stake in authorized capital and a new board of directors was formed.

At the moment, the service is actively developing, new developments are being introduced ( mobile terminals, Yandex Cashier)

What are the features of this payment system:

Transfer commission 0.5%, exchange 3%

Works with all banks of the Russian Federation

Main monetary unit – Russian ruble

The advantages of this payment system:

Easy to register and manage your account

Opportunity to get a free bank card from MasterCard

Many tools for depositing and withdrawing funds

High degree of protection and anonymity of payments

Converts well, is present in many virtual exchangers

There is software that is installed on the user’s computer

Disadvantages of this payment system:

There are limits and restrictions for users who have not passed account verification

There are difficulties with passing verification for residents of some CIS countries

There is no possibility to connect other electronic currencies

The system is popular in Russia, but is poorly targeted at users from other countries. Widely used by investors to make transfers in Russian rubles. It lends itself well to conversion and is quite popular on most investment resources.

Payeer is a very interesting payment system that combines ease of use and a wide range of advantages over other payment systems.

It was registered on July 17, 2012, so I advise you to take a closer look at it before translating large sums money. At the moment, more than 7 million users have already registered in the system

What are the features of this payment system:

0% on sent funds, 0.95% on incoming funds, 2% on exchange in other currencies

5-level affiliate program up to 40% of income on all operations

Automatic currency conversion during exchange

The advantages of this payment system:

Basic registration is suitable for any user

No account verification

No limits on internal operations, to a bank card up to $5,000 per transaction

Ability to connect a merchant account to a website with multiple payment methods (more than 30 methods)

Ability to install a currency exchanger on your website

Converts well, is present in many exchange services

Disadvantages of this payment system:

Some experience in the money transfer segment

Doesn't issue payment cards yet

This payment service is rapidly gaining popularity and is being implemented in almost all investment projects And financial pyramids. Thanks to a well-thought-out affiliate program and interesting functionality, you can expect that in the near future Payeer will reach more high level customer service.

The young and dynamically developing company OKPay was registered in 2009 in the British Virgin Islands. This payment system makes it possible to make payments without disclosing the client’s personal information and with a minimum commission.

What are the features of this payment system:

Unlimited number of multi-currency wallets

Low commission for transferring funds - only 0.5%

Free SMS service

Wide range of possibilities for accepting payments for business

High degree of protection of personal data

Two-level affiliate program for clients

The advantages of this payment system:

Easy registration and ease of use

Possibility to issue a bank card from MasterCard

Converts well and is available on many exchangers

Disadvantages of this payment system:

Limited cash flow without account verification

Poor support service

The OKPay payment system provides ample opportunities for investors and Internet entrepreneurs. Used to pay for services in many investment projects, brokers, games and online stores operating in the CIS countries.

For many people, the expression “Web-Money” is associated with electronic money, and for good reason, since this is one of the first payment systems that was formed in the CIS countries; at the moment, the number of registered accounts has already exceeded 25 million.

What are the features of this payment system:

Each user is assigned a random 12-digit WM identifier

Any user receives a digital certificate upon registration. There are 12 types of certificates in total, 2 of which are free

Has 8 available electronic currencies, each of which is assigned a specific wallet with a letter and a unique number

For each transfer of funds a commission of 0.8% of the payment amount is charged

You can create and transfer electronic vouchers of different denominations

The advantages of this payment system:

Has its own client platform WebMoneyKeeper, which is installed on a computer, laptop or mobile device

Deposits and withdrawals can be made in bulk in various ways, including ATMs and their own branches

Has increased protection of client data

Disadvantages of this payment system:

Difficulty in registering and connecting payment cards

Doesn't convert well electronic currency, high commission

Poor customer support, they can block your free account for no particular reason

We can conclude that the Web-Money Transfer payment system is quite convenient and safe for users, but many investment companies do not cooperate with this EPS, since it has increased requirements for connecting XML interfaces.

Skrill - aka Moneybookers was founded in 2001 in London and allows you to accept and receive money using only your address email. The system integrates well with VISA payment cards.

At the moment, this payment system is rapidly gaining popularity and becoming a competitor to the famous PayPal. For example, the Skrill client base has already exceeded 30 million users, the list of online stores working with this payment system is already more than 135,000.

What are the features of this payment system:

To register you need your full name, e-mail and phone number

Supports more than 30 currency pairs

It has a Russian interface, which is convenient for residents of the CIS

For the first 90 days, the amount of funds turnover in the account is no more than 1000 euros

The advantages of this payment system:

Easy to register and easy to use

Depositing and withdrawing funds to a bank card with a very low commission

Allows you to make purchases in foreign online stores without any problems

Disadvantages of this payment system:

Without data verification, withdrawal of funds is not possible

Does not convert well, is available on exchangers, but has a high exchange commission

This payment system is widely used in poker rooms, online casinos and bookmakers.

It is rare in investment projects, mainly on foreign resources. A very convenient payment method for making purchases in foreign online stores; it can be used as an alternative to PayPal.

The service was created in Russia in 2007 and operates in all markets of the CIS countries, as well as in South Africa and the USA. There are currently 5 million registered users, using the service you can pay for services from more than 500 providers, buy goods from more than 4,000 online stores.

To replenish your account, more than 150 thousand payment terminals are used in the Russian Federation alone.

What are the features of this payment system:

Payment currencies - Russian ruble, Belarusian ruble, South African rand, Ukrainian hryvnia, American dollar, euro, Kazakhstani tenge, Tajik somoni.

It is a multi-platform service, supports a huge number of different services on different platforms

The commission for transferring to another W1 account is 0%, for other payments on average 2.5%

Wide range of options for paying for various services

The advantages of this payment system:

Easy registration using mobile phone or e-mail

There is no need to verify your data

Disadvantages of this payment system:

Does not convert well, but is present in many exchangers

Plastic cards as a type of payment have existed in international practice for a long time and are widely used. Their first users were foreign corporations (trading companies). The first card used for payments in restaurants and retail outlets, became the Diners Club, which appeared in the USA in the late 40s. It had contracts with 285 merchants and 35,000 cardholders, who were charged $3 per year for using the card. Subsequently, the system continued to develop both geographically and through the commercial network. At first, commercial and service enterprises did not take payment cards very well, because, firstly, it undermined the position of their own branded cards, and secondly, because of the need to pay a commission to the issuing company.

The main difficulties began with the entry of competitors into the market: the Carte Blanche system (which was originally private card Hilton Hotel Corporation, and was later sold to First National City Bank) and American Express cards. Around the same time, the British Hotel and Restaurant Association began issuing the BHR credit card, which, although not a bank card, was still universal. This system merged with its Swedish competitor Rikskort to form Eurocard International, headquartered in Sweden. The competition of American card associations continues to this day in both the USA and Europe.

Currently, there are several types of international and Russian payment systems, which are actually issuers and distributors of plastic bank cards.

International payment systems include the following:

Eurocard,

Visa

Master Card,

European (Europay),

Cirrus/Maestro (Cirrus/Maestro),

Diners Club,

Union Card.

The first Soviet issuer of international cards was Vnesheconombank, which issued “gold” Eurocard cards in 1989. Release of these plastic cards was very limited, and they were intended for a narrow circle of people. The first Russian commercial bank, which issued its own Visa card in 1991, was Kredobank. But, despite the fact that Kredobank joined the Eurocard/Mastercard association, it never began issuing these cards along with Visa, explaining this by a ban from the Eurocard/Mastercard association (later Europe).

Since 1993, Europe has seriously changed its tactics in Russia. The company has intensified the acceptance of Russian banks as members of the association; an office was opened in Moscow to work with them. The Association of Russian Members of Europe was created, which currently helps to effectively resolve issues common to banks.

Expanding its cooperation with Mastercard, Eurocard entered into an agreement with the companies Cirrus and Maestro (Cirrus/Maestro), which made it possible to expand the range of services offered to customers through cards for receiving cash from ATMs.

To today a significant part of the commercial network for accepting cards of international payment systems (except American Express) is serviced by the United credit cards(KOKK), for which the English abbreviation UCS (United Card Service) is more often used.

In 1999-2000 The Russian association "Visa" is created. A notable event was the creation of the Diners Club Russia company, the Russian founder, and subsequently the settlement bank of which was Imperial Bank.

Some banks have taken the path of signing agency agreements with foreign financial institutions, that is, they began to offer their clients plastic cards issued foreign banks. There are still doubts about the legality of such activities, primarily from the point of view of the internal rules of Visa and Europe itself. This practice continues today.

Within a few years from the appearance of the first international card, issued by a Russian bank, the market has changed dramatically: the number of issued cards is approaching a million. Russia has become a full-fledged region in international card payment systems. There are dozens of local, regional and interregional payment systems operating in Russia, not to mention the leading international ones. The number of cardholders of Russian payment systems amounts to many hundreds of thousands. Tens of thousands of card acceptance points throughout the country work with bank cards national and international payment systems. Visa Association, to which the first Russian bank(Sberbank of the Russian Federation) was adopted in 1988, today it cooperates with 45 Russian banks. By assessing the situation on the market for domestic Russian cards, it is possible to cancel the steady growth in the number of plastic cards and cash balances stored on them.

Currently, two groups of payment systems operate simultaneously on the Russian “plastic” market: foreign (international) and domestic. Moreover, Russian payment systems such as STB Card, Union Card, Volga or golden crown", due to the low cost of their tariffs, they are ahead of a number of international companies in terms of the number of cards issued in Russia.