Electronic money webmoney how to use. How to register and use a WebMoney wallet? Benefits of the payment system

If you decide to become one of the users of the world famous WebMoney platform, the first thing you have to deal with is electronic wallets. This is where your funds will be stored in the previously selected currency. The most widely used are four types of wallets: WMR - Russian rubles, WMZ - dollars, WMU - hryvnias, WME - euros. In order for any of them to start receiving funds, you just need to give the sender the number of the desired wallet. It will be assigned to it immediately after registration. But even if you have forgotten this number, you can see it in the "Finance" tab by going to "Wallets". It is very easy to do this using the website itself, the Keeper program or the mobile application.

If you need to perform an action, but you do not know, how to use the WebMoney wallet, it will be easy enough to learn. You follow the same route - the "Finance" tab, then "Wallets". Here you select the wallet you need, make one click with the left mouse button. As a result of this action, three tabs appear, each of which offers to perform a certain operation.

Transfer funds tab. It should be used in cases where you need to send money to another user of the system, withdraw it to bank card or invoice, or pay for services. You select the required operation in the drop-down list, then simply follow the prompts in the window that opens, filling in the required fields. If you need to transfer money to a card or account, you should know that they must be pre-attached to the WebMoney wallet. Transfer to users is carried out without unnecessary problems- it is enough to indicate the recipient's wallet number and the amount of funds to be sent to him.

Request Funds tab. It allows you to send a request to another user of the system for a transfer to your wallet Money... To do this, you need to register the e-mail address or WMID number of the account of this person, mark the amount and currency for the transfer, and also indicate a note - text. After that, all that remains is to confirm the operation.

The "Link to bank card" tab will allow you to link the wallet to your debit card. After completing the operation, you can freely withdraw electronic money by cash out at an ATM or by paying with a card in a store. The binding procedure is quite lengthy when compared with previous operations, but the system provides you with special hints, following which you can complete the task much faster.

If you are interested, where WebMoney wallets are stored, then this is a slightly different topic. This is a WebMoney wallet file, generated by the program WebMoney Keeper Classic. It is stored on the user's computer, has the pwm extension. You can find this file by going to the following path: C: \ Documents and Settings \ username \ Application Data \ WebMoney.

What is the system electronic payments Almost all Internet users know Webmoney. The company was founded in 1998 and today has 28 million registered users around the globe. This amount is increasing daily. What is the secret of such popularity of the system? First of all, in ease of use, but there are still a lot of advantages:

• you can make payments and receive money without leaving your home;
• the system works instantly, even if users are in different parts of the world;
• small commission (0.8% of the amount)
• good protection.

In this review article, let's talk about the features payment system, in particular, we will discuss the following points:

1. System certification;
2. Additional services;
3. Replenishment of wallets;
4. Withdrawal of funds;
5. Conclusion.

I have been running this blog for over 6 years. All this time, I regularly publish reports on the results of my investments. Now the public investment portfolio is over 1,000,000 rubles.

Especially for the readers, I developed the Lazy Investor Course, in which I showed you step by step how to put your personal finances in order and effectively invest your savings in dozens of assets. I recommend that every reader go through at least the first week of training (it's free).

First of all, you have to get through simple procedure registration. Go to the website webmoney.ru and click the "Register" button. The following window will appear.

Enter the phone number in international format and click the "Continue" button.

Next, you must indicate your pseudonym (nickname) and real surname, name, and patronymic. Indicate gender and date of birth. In the column "Actual location" write off the country, city and address. Next, enter the contact email address. mail.

The system will suggest Security Question of your choice, by which you can restore your access, if the need arises. Indicated and additional e-mail in case there is no access to the main one. Then a check is performed email address and checking the phone number. Next, you will need to enter and confirm the password.

After registration, each user receives a unique WM ID. A huge advantage of WebMoney is the fact that before making any operation, specified phone number an access code is sent. Thus, even if your password is stolen, an attacker will not be able to withdraw money from your wallet.

As for wallets, the following types of wallets are available to users:

WMR - ruble wallet;

WMZ - in US dollars;

WMU - in Ukrainian hryvnia;

WMB - in Belarusian rubles;

WMK - in Kazakh tenge.

Among other things, electronic money can be stored in their gold equivalent in a WMG wallet. Recently, a WMX wallet has appeared, the guarantor of the storage of funds on which the INDX exchange acts.

There are many ways to replenish wallets. This can be done at dealers with WM, credit card, transfer and many other methods. The system provides for easy exchange of one currency for another right on the site. To do this, just click the "Exchange" button and a window will appear where you need to enter the amount. Automatically, an amount appears in another window, which will be credited to your other wallet after the exchange.

Certification in the Webmoney system

Since all settlements between the system participants take place remotely, the issue of trust is in the first place. Therefore, a certification system is envisaged.

I will list the main types of Webmoney passports:

• Alias ​​certificate;

It is automatically assigned to any person who has registered on the WebMoney website. After registration, you can already make small transfers, pay bills and buy goods in online stores. The user can replenish their wallets. You can also exchange some title units for others on the WebMoney website.

• Formal passport;

To receive it, you need to enter your passport data and confirm them with a passport scan loaded into the system. With such a certificate, you can not only replenish your wallets and make transfers within the system, but also withdraw money by bank payment. Link your wallet to various bank cards, deposit and withdraw funds through various systems money transfers. Having a formal passport makes it possible to use various services to which you do not have access with a pseudonym passport.

• Initial certificate;

To receive it, you need to confirm your data with one of the personalizers of the system. In this case, you need to pay a certain amount. It is different for each personalizer and can range from $ 1 to $ 100. Confirmation takes place in person. You can choose the nearest WebMoney representative at passport.wmtransfer.com.

An initial passport can also be obtained free of charge if you replenish your wallets on WebMoney by money transfer or bind a bank card to your wallet. You can find out about all the nuances on the website.

With an initial certificate, the limits grow. You can enter into the system, withdraw and exchange more significant funds than with a formal passport. There is an access to the budget machine and the ability to register Internet resources in the Megastock catalog.

• Personal passport

Obtaining this document provides high degree trust in its owner. You can get it by meeting personally with the WebMoney registrar or by sending him notarized copies of documents. Such certification is also paid and will cost from 10 to 50 dollars. Not all registrars are authorized to accept notarized documents by mail. Upon receipt of a personal passport, the limits increase again, and a host of other opportunities appear that are closed to holders of an initial passport.

The user can participate in the work of the credit exchange, create budget machines, become a system consultant. You can participate in the Initial Passport Affiliate Program. In addition, it becomes possible to create trading platforms service DigiSeller and post news on WebMoney sites. Having a personal passport allows you to use all WebMoney services without restrictions. In addition to all of the above, there are also professional certificates.

Additional WebMoney services

On the WM website you can find great amount additional services... You can find out about all by carefully reading the information in the tabs "For Individuals" and "For Business". You will see that you can not only store money in multi-currency wallets and exchange them, but also perform many other operations.

For example, individuals can:

• pay various services, shopping, paying fines;
• receive and issue loans;
• collect funds for charity;
• engage in crowdfunding and collective purchases;
• invest on the BA exchange;
• and much more.

WebMoney services for doing business include:

• creating stores and accepting payments to a bank account;
• sites can sell advertisements and sell funds;
• banks can open API gateways for accepting payments and make Money transfers through the system.

Replenishment of WebMoney wallets

The WebMoney system provides an opportunity to replenish wallets in a variety of ways. All of them are detailed on the website.

Press the button "Individuals" in top menu and in the first place you will see the methods of replenishment. You will see that you can top up your wallets:

• cash;
• from a bank account;
• electronic money;
• through the terminal;
• money order.

The table shows all the ways you can fund Webmoney wallets.

If you live where you are inaccessible usual ways input and output, do not despair. Search various forums (eg mmgp) and sites for exchange offers. Surely you will find people there willing to exchange webmoney for local currency. Be careful and never transfer money directly. Use a protection code.

Your actions in this case will be as follows:

You call / write off the author of the ad and find out the number of his electronic wallet, the amount he needs and the rate at which the money is exchanged. If everything suits you, transfer the amount with the protection code and upon meeting, taking the money, give the code.

As for the exchange, the most profitable way to exchange WebMoney electronic money is the wm.exchanger.ru exchange.

The withdrawal conditions can be found in the section Individuals \ Withdraw.

The table indicates the size of the commission that will be withheld from you and the time during which the money will be received. By clicking "details" you can see the nuances of withdrawing money in your country. If, however, where you live, any method is not supported, you can use the exchangers. For example, using the service, you can find the most profitable proposition among private exchangers.

Conclusion

At the end of this small overview we can say that the WebMoney system is extremely convenient and safe. Spend some time researching the service and you will find many useful functions, which you can use if you have a certificate of a certain level. If you want to invest on the Internet, then you simply cannot do without WebMoney.

With the current volumes of goods and services sold on the Internet, it is logical to create e-wallets for cashless payments. It is easy and convenient to manage electronic money, let us consider the example of the WebMoney system.

We are typing in address bar Internet browser www.webmoney.ru. On the website, click on the "Register" button. We indicate your mobile phone number. Binding to a number guarantees the security of access to the wallet. In the future, the transfer of funds 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 alert boxes if you want. If there is free time, we read the terms of the agreement, which we accept by registering in the system. Click on the "Continue" button.

Next, you need to enter your passport data. If we plan to withdraw money in the future, say, to our bank card, then it is worth entering real data. Then you will have to confirm them with a scan of documents.

The system prompts you to check the entered data again, since some of them cannot be changed. Check, click "Continue". The next stages of registration are verification of e-mail and phone number. A letter from the WebMoney system will be sent to the mailbox specified in the application form. The received code in the letter must be entered in a special field during registration. Likewise 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 WMID identification number. You will need it every time we enter this site. So we enter WMID, password, type captcha, click “Enter”.

Our Personal Area, 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 WMZ wallet. To do this, open "Wallets", click on "+ add wallet", in the page that opens, select the wallet currency, put a tick that we agree with the terms of the system. Each wallet is assigned a 12-digit number behind the large Latin letter representing the wallet currency. It is this number that must be indicated when we want to replenish the purse on WebMoney. To withdraw funds from the system, you must have at least formal passport status. To do this, you need to attach a scan of two pages of the passport (with photo and registration) and TIN, and send them for verification. If successful, the status will change and the possibilities for managing funds will expand. To attach scans of documents, go to the “Certificate” tab in the top menu. On the open page “WebMoney. Passport "click" Login ", type, password and captcha. Scroll down a bit and find “Uploading documents to the server”. Add files with scans, save. The check can 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 the wallet currency. Click on the link “More details” under Bank Transfer. The WebMoney.Banking page will open, on the right we click “Login”. We click on the link R-purses, then - “Outgoing operations”. The first time you have to enter all the details personal account in the bank, then you can use the template. With the help of the withdrawal assistant, we go through all the stages of creating an application. At the end, a message will appear that the invoice has been successfully issued. We go into your wallet, wait for the number 1 on blue background... We click on it, click “Pay”, then “OK”, then in the form “Confirm the transfer of funds” click “Send”. The phone will receive an SMS with a 5-digit code, which must be entered here. The system withdrew money from the wallet, taking into account the commission, and sent it to the card. On average, a transfer takes a day.

Also, using WebMoney, you can replenish your mobile phone account, pay for purchases on the Internet and utility bills, transfer money to other wallets. This is very convenient, especially for those who make money online.

WebMoney what is it and how to use it

Hello dear readers! I had a period in my life when I wanted to try all the delights of remote work.

I made myself a comfortable place at home, honed my skills in working with various images. I even found the first clients, but I was not able to get paid right away.

Before you start using the WebMoney system and apply its capabilities in your affairs (be it business or personal needs), you need to know the answers to several important questions.

What is Webmoney? What kind is there? Where is wm wallet used? How to create my first webmoney wallet? How can I top up my webmoney wallet? How to cash out Webmoney (from your electronic invoice)? So, in order.

WM - what is it?

WM, or universal accounting units used for settlements in the system WebMoney Transfer... What it is?

A warning!

Speaking simple language Is a system for transferring electronic money (wmr, wmz), which can be used on the Internet by carrying out various financial operations for buying or selling, for paying for services on the Internet itself, or for other consumer services (credit, utilities, cellular services, etc.).

Like any other money, electronic money (webmoney) has a currency classification. The most common are title units: WMZ (wmz wallet) - dollars, WMR (wmr wallet) - ruble equivalent, WME (wme money) - euros.

WM purses for different electronic currencies WebMoney are different. Respectively for dollars, rubles and euros.

The wallet number consists of twelve digits and one letter, which says that the wm wallet belongs to one or another type of currency (wmr, wmz wallet). For example: Z233335827119, R233335827119, E233335827119.

Various services on the Internet, including virtual stores, may not use all of the indicated currencies, but only one, the most common, type “Z”, therefore immediately after registration webmoney will be completed, it is recommended to create wallets of all types.

Or use a money exchanger (wmr to wmz, for example). The main wallet (type “Z”) is created automatically. It should be noted that your webmoney wmr wallet (as well as wmz and wme) has its own unique identifier (WMID), which differs in the type of passport and business level (BL).

How do I deposit money?

Funding your webmoney wallet is easy. WM deposit and withdrawal (payment wm and cashing wmz) is carried out in several ways. To replenish your wallet (get wmr, for example), you can use specialized terminals, which are increasingly found even in ordinary stores.

Terminals have their own interest rate (approximately 10%) and the possibility of replenishment different types currencies. Please note that the terminal can only work with one currency, and it can only be used to top up the R-wallet. Having received wmr money, and then using the money exchanger, they can be exchanged for wmz.

Attention!

Also, if you are wondering how to deposit or withdraw money from a webmoney wallet, consider the option of replenishing with a wm card. What is it? If you remember mobile recharge cards, which were actively used before the appearance of payment terminals, then you will probably understand what in question... True, in this case you will have to overpay a little.

It is much cheaper to replenish a web money wallet with the help of banks, but for this, of course, you need to perform more actions than just load a banknote into the terminal. As a rule, wm transfer occurs within half an hour when replenishing through terminals or a bank.

How to withdraw money from a webmoney wallet?

How to cash out with webmoney is the next important question. Withdrawing webmoney funds from a ruble electronic wallet becomes possible only after you upload copies of your passport and TIN to the WebMoney server.

Then, having indicated the bank's payment details and your own, you order the withdrawal of webmoney funds to your bank account or to a bank card.

As a rule, money is received within a day. The question “how to withdraw money through webmoney” is even easier if you use the changemoney.me service.

In this case, you just have to go through a simple registration procedure, after which all exchange processes will be performed in a few clicks. Most often, they prefer to withdraw WebMoney to Sberbank online.

source: https://www.changemoney.me/purse_webmoney.asp

WebMoney: registration, management of electronic wallets

Registration in the WebMoney system consists of several steps. Click the "Register" button. Next, enter your mobile phone number in international format.

The phone is used:

• to ensure the safety of settlements via SMS with transaction confirmation codes;
• search for WMID and quick access recovery.

Fill out the registration form. Reliable personal data is necessary for the full use of the System: deposit / withdrawal of funds, work with payment cards and a variety of services.

Phone number confirmation. You will receive an SMS with a verification code to the phone number you provided. Enter it on the page.

Advice!

Set a password for your wallet. Use uppercase and lower case, numbers (0-9) and special characters.

Try to set a password that you can remember, because this is the most safe way storing the password.

A number of restrictions apply to your WMID:

1. for replenishment, the total amount of funds on wallets cannot exceed the equivalent of 15,000 WMR;
2. for expenses, limit on transactions: 15,000 WMR per day, 45,000 WMR per week, 90,000 WMR per month.

To increase the limits, you must obtain a certificate of the next level.

Financial restrictions (limits) WebMoney Keeper Standard

Members of the WebMoney Transfer system who have not indicated and verified their mobile phone number have a restriction on spending.

This means that you will be able to replenish your WM purses, but making debit transactions will be available only after specifying and verifying the mobile phone number in your personal data.

For WM Keeper Standard (Mini) users who have not connected WM Keeper WinPro (Classic) or WM Keeper WebPro (Light), and only for purses created in account WM Keeper Standard, the following restrictions have been introduced

The maximum amount of funds on wallets cannot exceed (with a verified phone and the option to confirm transactions with by SMS or ENUM):

To overcome these limitations, you need to connect WM Keeper WinPro (Classic) or WM Keeper WebPro (Light):

• go to the page for changing control methods and connect WM Keeper WinPro (Classic) (you will still be able to use Keeper Standard);
• to connect to WM Keeper WebPro (Light), you need to log into your WM Keeper Standard account. Then on the “Settings” page in the “Account Management Methods (WebMoney Keeper)” section, click on the “Enable” button opposite the Light item. Step-by-step instructions for switching to WM Keeper WebPro are given in the article Connecting WM Keeper WebPro to WM Keeper Standard;
• you can now change the default limits for Keeper Standard wallets. To change the limits, you need to go to the Security Service website using Keeper WinPro or Keeper WebPro.

Daily limit - sets a threshold amount, no more than which can be transferred from this wallet during the current day.

A warning!

For example, for the wallet, daily limit 1 WMR, January 24, 2011 at 23:59 a transfer was made in 1 WMR, this means that the next time you can make the same transfer no earlier than January 25, 2011 00:00, since January 25 is the next day that differs from the day the previous operation.

Weekly limit - sets a threshold amount, no more than which can be transferred from this wallet during the current week.

For example, for a wallet, a weekly limit of 1 WMR is set, on January 26, 2011 at 23:59 a transfer of 1 WMR was made, this means that the next time you can make the same transfer no earlier than January 30, 2011 00:00, since January 30 this is the first day of the next week that is different from the week of the previous transaction.

Please note that English (American) weeks start on Sunday instead of Monday and end on Saturday.

Monthly limit - sets a threshold amount, no more than which can be transferred from this wallet during the current month.

For example, a monthly limit of 1 WMR is set for a wallet, on January 24, 2011 at 23:59 a transfer of 1 WMR was made, this means that the next time you can make the same transfer no earlier than February 01, 2011 00:00, since February 1 this is the first day of the next month, which is different from the month of the previous transaction.

You can see your limits and statistics of their spending in the properties of your wallet.

Ways to manage e-wallets

WebMoney Keeper is a generalized name for software that functions on the user's side and provides WebMoney members with access to their electronic wallets and system services.

Depending on the operating environment, a distinction is made between:

WM Keeper Standard (Mini) is a browser application that provides WebMoney members with access to their wallets after initial registration in the system. Created on the basis of WM Keeper Standard separate applications for different systems:

1. WebMoney Keeper Mobile for smartphones and / or tablets on Android, iOS, Windows Phone, BlackBerry;
2. WebMoney Keeper for operating rooms MacOs systems X and Linux;
3. WM Keeper for social networks: Facebook, Vkontakte, Odnoklassniki;
4. WM Keeper WinPro (Classic) - separate program installed on the participant's computer and running in operating system Microsoft Windows;
5. WM Keeper WebPro (Light) is a browser application that works in almost any browser regardless of the operating system, including on mobile devices;
6. Budget Automation Tool is a specialized version of WM Keeper designed for collective management WebMoney wallets by a group of participants. Made in the form of a browser application that functions as part of the Capitaller service.

WM Keeper software is provided to WebMoney system members free of charge.

In addition, you can pay for goods and services in the WebMoney system without using the WM Keeper software.

Attention!

To manage your purses in the WebMoney Transfer system, you can use several types of WM Keeper at the same time.

To obtain detailed instructions to change the method of managing wallets, click on the link in the cell of the table of your choice.

In doing so, the following should be borne in mind:

• simultaneous use of WM Keeper WinPro (Classic) and WM Keeper WebPro (Light) for one WMID is impossible;
• a prerequisite for connecting WM Keeper WinPro (Classic) and WM Keeper WebPro (Light) is the presence of a formal passport and phone numbers and e-mail verified in the passport;
• after connecting WM Keeper WinPro (Classic) or WM Keeper WebPro (Light), the method of logging into sites and paying through a merchant using WM Keeper Standard (Mini) and WM Keeper Mobile become unavailable.

source: https://www.webmoney.ru/rus/help/start/registration.shtml

How to use electronic money Webmoney

Actually, what is the point? The bottom line is that you choose one of the payment systems (Yandex.Money, Weboney, etc.) of electronic money, download a certain program or use a web interface that assigns you a certain number (wallet number) where you can add real money. Further, using this program / interface, you manage your money.

Methods of crediting real money are very different and convenient, ranging from using payment terminals (where you put money on your phone) to using credit cards, bank transfers and other joys of life.

Having used one of these methods, after crediting you will see this very money in electronic numbers on your wallet. This is electronic currency. The name of the electronic currency depends on the payment system, but the link to currencies is still preserved.

As for the methods of enrollment, specifically for Webmoney, which is discussed in this article, the methods of enrollment are as follows:

• With the help of WebMoney cards, which are sold in the cities of Russia and the CIS. You can buy WM-cards from dealers or order delivery of cards to your home and office
• With Ukash prepaid cards and vouchers.
• Purchase from an authorized dealer in your area.
• Top up by bank or postal order.
• Using a money transfer without opening an account.
• Top up with cash at machines and ATMs in Russia and Ukraine.
• Exchange e-currency other payment systems.
• Exchange cash for WebMoney at one of the certified exchange offices.
• Receive from other system participants in payment for services, goods, etc.

Why is electronic money convenient?

First, they can be used to pay for almost anything without leaving home. Those. if you wanted, for example, to throw money on the phone / internet or even pay for the apartment - they took it and threw it, without getting up from the chair.

Advice!

Want to buy groceries? Go to the site, add them to the basket, pay, wait for delivery. Need theater tickets? Forward. Buy a movie \ programs \ music? No problem. To pay for pay tv? Easily! Pay to shop abroad? Elementary! .. And so on, so on.

Secondly, security. It is impossible to forge this money in principle. Again, in general, it is quite problematic to steal it, so to speak, from your pocket, unless you have started your computer so much that there are two or three dozen viruses inhabited there. And even then, in such cases, technical support for some time is able to establish the fact of theft and return the lost money to you.

By the way, the possibility of losing money on the way also disappears (remember the weekly postal orders, where the postman “lost” money? No? And it happened) and again, you don't have to stand in any queues at banks / post offices / anywhere else ...

Well, of course, this money can always be withdrawn back into real money.

The only snag in this all is the commission. Both for transfers and for input / output from the system, a certain commission is withdrawn, which seems to be not great, but it is taken here and there .. that looks like a million and no.

How to install, configure and use

Webmoney has several types of programs for working with wallets, ranging from the classic software version and ending mobile version... I still recommend using the full official program called Keeper Classic, and therefore I will describe exactly its installation and registration process.

A warning!

Installation is extremely simple - run the downloaded file and click “Next” everywhere, along the way choosing the installation directory you need. Agree to the proposal to install the certificate. Twice.

After installation, first, we need to get registration code... This can be done by going to the registration site and choosing the type of our program there, namely Keeper Classic.

On the page that opens, fill in all the required fields and go through registration.

Attention, it is very important that you indicate real data about yourself - in the future it will be very useful when working with payment terminals, recovering passwords, security and other useful things. After that, return to the program window and in the window that appears, click the "Register" button.

Complete the registration following the instructions of the program.

After registration and launch, you will see the main window of the program where we will need to create wallet files:

Click on the appropriate link (see screenshot above) to create them. There are several types of wallets for different currencies. Create wallets with the currencies you need specifically. You can give names to wallets whatever you like.

Actually, that's all. The basic installation and registration is ready, you just have to replenish your account in the desired currency using one of the above methods and use it.

To be able to replenish an R-purse through machines and payment terminals, as well as for most operations with R-purses, their authorization is required. Wallet authorization is your agreement with the SECURITIES SALE AGREEMENT. Since the contract cannot be signed by an anonymous participant, you must have a formal (or higher) certificate.

You need to do two things in sequence:

1. Receive formal certificate... This is done via the link https://passport.webmoney.ru/asp/aProcess.asp? The certificate is issued free of charge and online, after you enter all the necessary data.
2. Authorize R-wallet. To authorize your wallet, you need to go to https://banking.guarantee.ru/RUPursesList.aspx. Click "authorize" opposite the desired wallet in the list and agree with the presented agreement.

In general, there is nothing complicated there. To withdraw electronic funds into cash, you need a slightly thicker passport, namely, you have to go to one of the offices and provide passport data.

A little more practice with wallets

• Open “Tools” - “Program options”.
• Go to the "Additional" tab and look at the path that is indicated in the "Wallets file" column. Next, start “My Computer”, follow this path, find the wallets file and copy it to external media(USB flash drive, floppy disk or something else).
• Then go to the "Security" tab and click on the "Save keys to file" button. Enter the numbers that appear, and then, in the pop-up window, select the path to save (again to external media) and be sure to set the access code (password) to the keys.

After these steps, you will not lose access to your wallets even if your computer crashes (the fact is that webmoney is tied to the operating system and if you have lost the wallet file and keys, then it will be somewhat problematic to restore your account).

This is about a miracle of electronic money and the webmoney system in particular.

source: https://sonikelf.ru/elektronnye-dengi-webmoney-chast-1/

What is WebMoney Wallet?

WebMoney (in Russian: "WebMoney") is a modern electronic payment system that allows you to exchange so-called "title units" between different members of the system.

A webmoney wallet is a specific account in this payment system, tied to one person who can manage this account using a password and / or his mobile phone, instantly transferring his money to whoever he wishes.

What is it needed for?

With the help of payment Webmoney systems Sitting at a computer and drinking coffee, you can send relatively safe and unannounced money transfers to any country in the world.

Attention!

Most often, this system is used to pay for various goods and services, transfer money to relatives, repay debts and, of course, pay for the work of remote specialists (they are also called "freelancers").

By the way, working with freelancers is often very profitable, because in other countries there may be more favorable prices for services, for example, translators, programmers, designers, etc. As a result, you can save 50% or more of the planned budget.

In addition to ordinary translations to friends and payment for freelance work, you can buy a variety of services from reputable companies, for example:

• pay for mobile phone, internet and utilities without leaving home.
• replenish the balance of online advertising, for example, Yandex.Direct and Google.AdWords.
• make purchases in online stores, including in countries as far away as China.
• pay taxes, fines and other payments to the state.
• and much more.

Agree, this is very convenient.

How do I make payments?

And then it will be possible to make any payments and send money to the recipient in any country in the world within a few seconds.

Example. Let's say I want to transfer money to another country for services. To do this, you can:

1. Create a WebMoney wallet (register with this payment system).
2. Then transfer funds to the wallet by exchanging real money for electronic money.
3. Then you need to make a transfer to the one to whom I have to pay.

Everything! Money instantly ends up in a wallet in another country. Then the recipient of the transfer can go and withdraw cash in any currency he needs instead of electronic money. This is called "withdrawing money from WebMoney" and a whole separate article is devoted to this process (how to do it safely and with minimal losses).

Where to register a wallet?

In order to start using this system, you need to issue and register a personal WebMoney wallet.

You need to do this only on official page of this payment system, namely here: http://webmoney.ru/

So that registration is not difficult. In addition to what and where to enter when registering a wallet, I will give valuable advice so that you initially did everything right and God forbid, do not lose your money in the future.

After registration, you can go to any site that accepts Webmoney for payment and make any payment. And also transfer any funds to other participants in the system.

What is WebMoney Passport?

This important concept means the degree of verification of the passport data of a particular participant in the Webmoney system.

Advice!

That is, employees can check (at your request) your passport details and inform other participants that they are true by assigning a certain passport to your ID.

There are usually:

• pseudonym passport (if you are not ready to give your passport for verification)
• formal passport (if you are ready to give your passport for verification remotely - take a picture and send it through the website).
• personal passport (if you are ready to personally come and show your passport or send a copy certified by a notary).
• professional certificates (seller, etc.).

It is important to understand that each passport has its own limitations, for example, a pseudonym passport does not allow working with wallets in Russian rubles (WMR) at all, working with Belarusian rubles (WMB) is impossible without a personal passport, and so on.

Initially, after registration, you will have a pseudonym passport, you can without wasting time apply for a formal passport.

A personal passport, of course, for individuals has the greatest opportunities, but it can also lead to the fact that the data on your transactions will fall into the tax office or somewhere else. And getting it is difficult, especially for residents of small towns - they have to go somewhere, pay someone, etc.

And the possibilities of a pseudonym passport are very limited: you can actually work only with WMZ / WME, but the confidentiality is maximum.

Can I store my savings in Webmoney?

Should you trust this system to store large sums of money? For this, it is important to answer another question: "Who controls the issue (release) of Webmoney?"

A warning!

At one time I tried to find an answer to this question, but to no avail. V modern internet everything that concerns really serious topics is presented extremely sparsely. In one forum they answered me, they say, emission is controlled automatically (!) Through a link to gold. Of course, this is nonsense. If there is a real owner of the system and no one controls him, then who will prevent him from clicking the mouse a couple of times and throwing as many title units into the market as he wants?

The national banks of the countries control this government bodies, including specific presidents who are responsible for injecting new money into the system.

Of course, this is not a panacea: after all, even presidents can deceive their people, however, it is a little more difficult for them to do this than for the sole owner of the system. Plus there are few such countries, in the United States - no one controls the issue of dollars, everyone probably already knows that they are produced by a private shop called the Federal Reserve.

Therefore, keeping a lot of money in Webmoney, in my opinion, is far from the best way... As, however, in US dollars.

source: https://moytop.com/optimizaciya-raboty/elektronnye-platezhi/vebmani-koshelek-chto-eto

WebMoney training course

To use the WebMoney system, a special WM Keeper software is used (hereinafter we will also call it in a simplified way - “Keeper”). It is of three types:

• Wm Keeper mini
• WM Keeper Classic
• WM Keeper Light

There is also a Keeper version adapted for mobile phones and PDA - Keeper Mobile. But we will not consider it in this course of study. You can familiarize yourself with it later on the website mobile.webmoney.ru.

Let's compare the characteristics of the three types of Keeper:

What is WMID and passport

WMID is unique number user account in the WebMoney system. Each user has a WMID. It consists of 12 digits. WMID is issued to the user upon registration.

Any WebMoney user, if he wants, can have not 1 WMID, but 2, 3, 4 ... To create a new WMID, you need to go through a new registration. However, all WMIDs of one user are combined into one passport. A passport is a set of passport data and other personal information of the user. When registering the first WMID, a passport is created for you. Subsequent registered WMIDs are attached to the passport.

If you enter the WMID of any user in the upper right corner of the passport.wmtransfer.com page, you can see:

1. information about his certificate;
2. what other WMID does it have, i.e. attached to the same certificate.

Registration in WebMoney

Registration takes place on the start.wmtransfer.com page. Every BRAND NEW user is sent to register with Keeper Mini. No choice.

Attention!

However, first of all, you are asked to enter a phone number. And if it turns out that you have previously registered a WMID with such a phone, and the system already has a passport with such a phone number, then you will be asked to first "present" your old registration. In this case, you can register a new WMID in Classic or Light. New registration will be attached to your existing passport.

Thus, registration in Mini will only be offered to BRAND NEW users. And registration in Classic or Light can be chosen by those who have already been registered (i.e. had at least 1 WMID and came to register again with the same phone number).

WebMoney has about 100 various services and services: certification center, exchange, lending, Arbitration, file sharing, Banking, etc. In the course of your work with the system, you will come across at least a few of them.

Such authorization is provided by a special single service WebMoney Login. It works as follows. The WebMoney site redirects you to the WebMoney Login site (https://login.wmtransfer.com), where you log in, after which WebMoney Login returns you back to the site from which you came.

At the same time, WebMoney Login informs the site of information about you (in particular, WMID). Let's see how this happens in each of the Keeper versions.

Wallets. Creating wallets

What are wallets? The WebMoney wallet resembles a regular wallet in real life- money is also stored in it (God forbid!). Only, of course, not paper, but the same electronic ...

Today, there are 7 types of wallets in the WebMoney system:

• Z-purse, or purse of type Z. The money stored in it (it is customary to call them WMZ for convenience) is equivalent to US dollars. Thus, 1 WMZ = $ 1. The Z-wallet number consists of the letter "Z" followed by 12 digits. When you want to receive money for the Z-wallet, just tell your counterparty the number of your Z-wallet. In this case, the indication of the letter "Z" before the number is mandatory. An example of a Z-wallet number: Z324039475235. The entry 324039475235 (without "Z") will be invalid.
• R-purse, or purse of type R. The money stored in it (WMR) is equivalent to Russian rubles: 1 WMR = 1 RUR. Similar to the dollar wallet, the ruble number consists of 12 digits. The only difference is that they are preceded by the letter "R" (for example, R903598739239).
• U-purse, or U-type purse. The money stored in it (WMU) is equivalent to Ukrainian hryvnia. The U-wallet number consists of the letter "U" and 12 digits.
• B-wallet, or type B wallet. The money stored in it (WMB) is equivalent to Belarusian rubles. The B-wallet number consists of the letter "B" and 12 digits.
• E-wallet, or E-wallet. The money stored in it (WME) is equivalent to euros. The E-wallet number consists of the letter "E" and 12 digits.
• G-purse, or type G purse. The money (WMG) stored in it is backed by gold, that is, 1 WMG is equivalent to 1 gram of gold. The G-wallet number consists of the letter "G" and 12 digits.
• C-wallet and D-wallet are special wallets that are used to issue and receive loans.

And one more important point. WMID and wallet number are different things! WMID is used to enter the Keeper, identification, authorization, is, as it were, registration number user, his login. The wallet number is used to receive and send transfers within the system, as well as to accumulate your money.

Advice!

Within your WMID, you can create any number of purses of any of the specified types. The exception is Keeper Mini - there you can create only one wallet of each type. Credit wallets C and D are also an exception: in Classic and Light you can only have one of them, and Mini does not support these wallets at all.

The existence of several wallets of the same type within your WMID may be justified if you need to accept payments for different goods or services, or perform transactions related to various Internet projects, etc. A kind of separation of cash flows and simplification of personal accounting.

It is impossible to delete a wallet after creation!

Connecting Keeper Classic and Light to Mini... If you have registered in Keeper Mini, then in this moment you can only manage your WMID using Mini. However, for Mini users there are financial restrictions on transfers in the system. If you are "cramped" from them, or at some point you felt that the Mini functionality is not enough for you, then you can switch to using Classic or Light.

After connecting Classic \ Light to Mini, you will be able to enter your WMID and use purses in Mini and Classic \ Light at the same time!

However, you should know: as soon as you connect Classic \ Light, you will immediately lose the ability to log in to sites using Mini by login and password, which can cause difficulties. Therefore, if you are NOT SURE that you really need it, then you better DO NOT CONNECT Classic \ Light to Mini!

You cannot connect both Classic and Light to the Mini at the same time.

Deposit of funds (replenishment of wallets)

We have come to an important question: how to make money appear on the wallet? In other words, how to top it up? Overall, there are 2 answers to this question.

1. You can receive a transfer to your wallet within the system from another user.
2. You can replenish your wallet "from the real world" by paying in cash or non-cash money.

For beginners, of course, the 2nd method is the most relevant. Let's consider it in more detail.

A warning!

Replenishment methods "from the real world" for different types wallets are different. You can find a description of these methods and tariffs for each type of wallet on the website of the respective company that serves them.

And in order not to wander through the sites, you can use our Guide. We tried to collect in it all the methods of replenishment of different currencies in different countries. Select there from the list "What exactly" the method of replenishment you need.

Below we will briefly look at what are some of the methods of replenishment that are found in the table.

Bank transfer. As a rule, the wallet can be topped up Bank transaction from your current account. For R, U, B, there is also an opportunity to deposit cash at the cash desks of banks in Russia, Ukraine, Belarus, respectively.

Payment terminals. These are devices equipped with bill acceptors. The largest terminal networks- there are thousands of terminals installed in crowded places of large and small cities of Russia, Ukraine, Belarus. Replenishment through terminals, as a rule, occurs instantly. You deposit cash into the terminal, and in a few minutes you see the receipt of WM in the wallet.

Mail. R- and B-purses can be replenished by postal order at the Russian and Belarusian Post offices, respectively.

Exchange offices. WebMoney exchange offices are private businesses that exchange cash / non-cash money for WebMoney and vice versa. Today there are exchange offices in all major cities of the CIS and many cities in Europe.

Attention!

In order to transfer cash to the WebMoney wallet, you must first submit an application on the exchanger's website. Then you must come to the office of the exchange office and pay in cash. After that, the exchanger will transfer WM to your wallet.

Most exchange offices, however, operate throughout the country and exchange not only cash at the office, but also, for example, by bank transfer or by other means.

How the wallet is replenished at a specific exchange office is a must-read on its website. Also, on their websites, exchange offices publish current commissions for replenishment. Websites of exchange offices from your region should be searched for at geo.webmoney.ru.

For input services and withdrawal WebMoney exchange offices take a commission, it is about 2-4%.

exchanger.ru. it exchange service"Without intermediaries", works on the basis of the exchange, the WebMoney system itself in its work only participates in the role of the Guarantor.

The user places an order for the purchase or sale of WM and waits for other visitors of the service to become interested in it - the same WebMoney users as he is. Another option is to select a suitable application from an already existing list.

Thus, on Exchanger.Ru users wishing to make an exchange in different directions, "Find" each other. As a rule, using Exchanger.Ru, you can enter and withdraw WM much more profitably than any other method. In the same place, in the wm.exchanger.ru section, you can convert one type of WM to another.

Prepaid WM-cards. These cards are similar to scratch cards of mobile operators. Replenishment of the wallet with their help is perhaps the most convenient way... And, moreover, instant. But, alas, you can buy WM-cards with a markup of at least 5-7%.

Please note that different WM cards are used to top up different types of wallets. Dollar wallets are replenished with WMZ cards, ruble ones - with WMR cards, hryvnia - with WMU cards, etc. Cards are sold in retail chains, kiosks and shops.

Receiving and sending transfers

All transfers (transactions) in the WebMoney system take place in a split second. As soon as you have sent money, your counterparty already sees them in his wallet. Actually, receiving and sending transfers is the most important thing for which you may need WebMoney.

Advice!

You can transfer money between wallets of the same type. That is, you can transfer money from your Z-purse to the Z-purse of another WebMoney user.

But you cannot transfer money from Z-wallet to R-wallet, etc. To convert, use the exchange exchange http://wm.exchanger.ru.

Security

The popularity of WebMoney haunts scammers and hackers. However, it is impossible to directly hack the WebMoney server or intercept data during transactions. Keeper himself is resistant to unauthorized access attempts.

Thus, a WebMoney user can be sure of the safety of funds in his wallets ... If only he himself does not fall for the tricks of an intruder. As a rule, any hacking or loss of money by a user is associated with the traps of social engineering. Let's talk about classic ways deception.

Very often scammers distribute "miracle programs" that allegedly exploit a vulnerability in the WebMoney system and generate WM on wallets "out of nothing". Under the guise of such programs, viruses are distributed that steal passwords and other means of access to the Keeper.

Another well-known fraudulent method is called "magic wallets". Cheater in disguise regular user, who discovered a "hole" in the system, disinterestedly disseminates information on the forums that there are wallets, when transferring to which, twice the amount is returned in response.

Many people believe, transfer WM to such a magic wallet - and, of course, do not get a penny back. As you may have guessed, these "magic wallets" belong to those who advertise them.

A generous employer offers high-paying telecommuting jobs (fraud is especially common when a job is offered as a money transfer operator).

However, in order to start working, you are asked to pay an entrance fee (as a rule, a small amount of 5-15 dollars) - "for paperwork", "for a WebMoney passport", etc. After paying the employer contribution, you will no longer see. Remember: a normal employer doesn't ask for anything in advance!

Other recommendations for safe work with WebMoney are quite traditional: use antivirus software, do not visit dubious sites, do not download or run dubious programs, do not open suspicious attachments in emails, regularly install updates and patches for Windows.

The official date of creation of the Webmoney payment system can be considered 1998. Since that time, this payment system has been constantly gaining momentum and at the moment remains the most popular electronic payment system in the world. But despite this, the questions about what "WebMoney" are do not subside. Therefore, it is quite reasonable to raise this issue in order to understand it once and for all.

What is WebMoney?

If we compare the electronic money system with credit cards, then the first, of course, is a relatively new type of electronic money. Every year it is gaining more and more popularity, which is why it is already difficult to find such a person who does not know (at least superficially) that there is electronic money and many users of such systems continue to work with it successfully.

It should be noted that officially "WebMoney" are title units, each of which has its own specific value based on its specific category.

Why do you need "WebMoney" and where you can use them

What is WMID for?

Each new registered user is given a 12-digit number, which is a personal identifier (WMID). Thanks to this number, you can quickly find any user of the system, thus, it acts as a kind of login in the system.

Any person can create a "WebMoney" and get their WMID, in the same way each user can view all the information thanks to this identifier, so that the transaction being made is as safe as possible, and in case of fraudulent actions, you can file a claim with the service administration.

It is worth noting that you can create not one "WebMoney" wallet for one VMID, but several, which makes it much easier to use it.

What is WebMoney Keeper

If everything is clear with the question of what "WebMoney" is, then the next step will be to clarify such a concept as WebMoney Keeper. This is nothing more than special software that is provided free of charge to all users of the system. Thanks to this service, you can directly control your account and get easier and more convenient access to all services in the system.

Due to the fact that there are several varieties of specialized versions of this software, the user has the opportunity to choose exactly the type that will be primarily convenient for him and contain the entire range necessary functions that meet his requirements.

Main versions of WebMoney Keeper

WM Keeper Mini is the simplest version of the program available in the browser. It is convenient primarily because it allows you to use your account from almost anywhere in the world where there is an Internet connection. Its safety lies in entering mailbox, password and security code... There are restrictions on the withdrawal and transfer of funds, but this is only for your safety.

WM Keeper Light - this version of the program is as simple as the previous one, only it has additional protection and functions.

WM Keeper Mobile is a program for smartphones or phones.

WM Keeper Classic is an application that is assigned to personal computer... The maximum degree of protection and the full range of services cannot but rejoice, the only thing worth noting is the complex multi-stage registration with confirmation of mail and phone number.

Despite this, step by step registration has hints to make it easier for you to navigate. You need to start from the official site, where you can download the software to your computer. Next, register, enter all the necessary data, including passport, and then create a wallet.

Creating a wallet

Before you start using and evaluate all the advantages that electronic money has, you need to create a "WebMoney" wallet. This is necessary in order for your savings to have a certain place for storage.

After the user has logged into the system, it is necessary to find the icon with the inscription "Wallets", and then click on the plus sign "+" in the space provided for this.

All functions are now available to you.

How to use

Now you can transfer funds to "WebMoney" in order to do all kinds of operations with them. In order to deposit a certain number of title units into your account, you need to choose one of the methods that will be relevant and convenient for you. Can be used:

• Exchange offices that exchange cash or non-cash money for title units of the service directly to your wallet, for this you only need to provide its unique number.
• Internet banking, ATMs and payment terminals. One of the fastest and most convenient ways.
• WM cards.
• Postal transfer.

In the WebMoney system, an invoice will be presented to the user, and after payment the title units will arrive in your wallet.

Inside the system there is a large number of convenient services, thanks to which you can quickly and easily pay for various services, Internet or cellular communication... You can also find a store nearest to you that accepts the title units of this payment system. And if you enter a current account in a special field, you can make connections. At the moment, almost the whole world already accepts payment in this way.

If necessary, you can pay for any services, make a translation, even take or issue a loan. Most operations through "WebMoney" require confirmation of a username, password or other authorization method, depending on the keeper that is used.

Withdrawal of funds and commission

Now it's worth talking about the commission, which is charged from the user for almost any operation, except for depositing funds. In all other cases - when transferring, withdrawing and paying for services - Webmoney charges a single commission, which is 0.8%. This should be taken into account when manipulating finances.

Now you know what "WebMoney" is, and you can safely start working with this popular payment system.