Electronic payment systems are becoming an increasingly popular financial instrument. The ability to manage your payments and expenses from any device and make any payments online is not a complete list of functions of electronic wallets.

Today, the list of payment systems includes several dozen names, but only a few are recognized as the most reliable and convenient. Those who have decided to open an account with such a service for active use should first familiarize themselves with the features of each wallet.

Visa Qiwi Wallet

Opens a list of payment systems Qiwi wallet. It’s not for nothing that the Qiwi Wallet electronic service is in first place - it is a convenient and functional multi-platform tool. The Qiwi group was formed in 2007 in Moscow. Since then, the company has managed to acquire its own bank, entered the international level and released co-branded products together with Visa.

Today, the Qiwi payment system has tens of millions of users around the world. Qiwi wallet holders have the opportunity to make utility and other types of payments, repay loans, make transfers and pay for purchases on the Internet and applications. This is not all the possibilities of the wallet! At the same time, the account in Visa Qiwi Wallet matches the owner’s phone number, and the level of payment security allows you to be confident in the safety of funds.

WebMoney Transfer

The WebMoney wallet does not top the list of electronic payment systems, but it firmly holds a leading position in some individual items. First of all, this is the most popular way to carry out currency transactions online. WebMoney Keeper allows you to open an account in US dollars, euros, hryvnias and other monetary units.

To open an account, you just need to install a special keeper on your computer or mobile device. The developers guarantee compliance with all security requirements; therefore, some calculations require passport data, and each operation is confirmed with a password.

Users are offered numerous functions and services, partnerships of large companies and a user-friendly interface. The specificity of this wallet is the ability to exchange currencies. The course, of course, is not the most profitable, but sometimes such a service comes in handy.

"Yandex money"

In 2002, the Russian browser "Yandex" released its next product - the electronic payment system "Yandex.Money". In the same year, the project received an official bank certificate as a service for electronic payments and bank transfers, surpassing other payment systems in this matter. The list of Yandex.Money users includes 18 million people, and every day this figure is replenished by 12 thousand.

Users can install the payment system wallet on a mobile device, on a computer as a program, or use the service online. Wallet owners can pay for purchases, receipts and bills. In this case, the funds are debited at the user’s choice either from an account in the payment system or from a bank card. In payment terminals using Yandex.Money, you can select the desired provider and complete the transaction using cash.

One of the features of the Yandex service is the ability to make payments to unregistered users. Official wallet owners can order a plastic card linked to the Yandex.Money system and set up reminders.

All of the above platforms are included in the list of payment systems in Russia. Internet users often have to resort to international systems for payments. As a rule, most foreign online stores and applications work with PayPal.

PayPal

This is the undisputed leader, surpassing other electronic payment systems in world rankings. The list of PayPal wallet owners is more than 170 million people. The system is recognized as very convenient and safe. But the electronic service is not very hospitable to residents of Russia and a number of countries of the former Union.

Some operations are still not available to residents of our country. And if we take into account the list of available currencies for settlements in the system, then a rather strange fact was the long absence of the ruble, but the presence of other 18 currencies, including the Hong Kong dollar or the Polish zloty.

Nobody hid the reasons for such measures at PayPal. The point is a lack of trust in the residents of Russia and an attempt to protect the system from scammers and violators, who, according to the creators of the service, live in abundance in the Russian Federation and CIS countries.

Payment systems are a convenient modern service. The vast majority of users believe that such technologies are the future. The list of payment systems is constantly updated, and existing projects are evolving and improving. If someone still doesn’t have a wallet in the electronic payment system service, then they definitely need to get one.

I would call 8 electronic payment systems the best in the world. They will be discussed today in this article.

This is truly a national payment system.

In it you can create wallets for all popular Runet currencies (dollar, ruble, hryvnia, tenge), while maintaining a high degree of anonymity. Here the wallet interface is Russified and it is possible to communicate with technical support in Russian. Agree that this is very convenient.

OKPay is a very young international payment system, but this did not stop it from becoming popular in the West, here, and in the post-Soviet space. The link (just like in PayPal) goes to your Email address, which is the logo in this payment system. Minor or even zero commission is charged for transactions. Withdrawals are possible to bank details or to an OKPay debit card linked to the account.

OKPay is an alternative to the untimely departed Liberty Reserve because it also turns a blind eye to the withdrawal of money from various “pyramids” and gambling. There are restrictions on payments here, but this only applies to non-verified accounts. Here, just like in Perfect Money, as much as 3% is added to the balance of money in the account. You must agree, this is very unusual for electronic wallets.

Payza (Alert pay)– another anonymous electronic wallet. Anyone can open it. The company was formed recently by merging Alert pay and another similar system. The movement of funds from it is carried out by linking a bank card to it. Payza in Russia is mainly used to receive online money earned abroad. Sometimes there is a problem with the output, but this problem is quickly resolved.

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☛ How to withdraw Webmoney part 2 Money transfer service

In the last article, I introduced you to all the ways to withdraw funds from a Webmoney wallet. Today, continuing the conversation on the topic of how to withdraw Webmoney, in the second part we will look in more detail at one of the main...

(EPS) is a system of payments on the Internet between individuals or legal entities when performing various transactions: purchases in an online store, money transfers between users, payment for services, etc. Such transactions are carried out non-cash and are a replacement for the usual cash.

Anyone can register in the electronic payment system. Typically, the procedure involves filling out a registration form and is free of charge. After this, an account is provided in fiat currencies USD, RUB, EUR, UAH, etc. or cryptocurrency. If necessary, you need to go through account verification. This increases the limits and number of ways to deposit and withdraw money.

• Prostocash, 60cek, Xchange, Magneticexchange, Kassa and others.

There are many different electronic currencies and wallets. Recently, they have become popular. A complete list of electronic payment systems is presented at the end of the article.

How to choose an electronic payment system

To choose a suitable electronic payment system, you need to set the following conditions for yourself:

• Does EPS provide services in the region? Usually, on the main page of the payment system there is a list of countries served, or you can read about this in the user agreement.
• Where is it registered and who carries out financial supervision? Many financial companies open offshore to reduce various financial costs and operating conditions (Panama, Belize and others). There are electronic payment systems operating under the control of financial regulators with strict conditions.
• The methods for depositing and withdrawing funds should be those that you can use: bank cards or transfers, other electronic payment systems, terminals, electronic exchangers, cashing out through debit cards from payment systems, etc.
• Transaction commissions.
• Account currencies.
• Does it issue debit and virtual cards?
• Reviews about the electronic payment system on the Internet.
• Service functionality. For business - connecting payment acceptance through the website, the possibility of mass payments to clients.
• Is verification required and what are the transaction limits?

This is the main thing you need to pay attention to when choosing an electronic payment system on the Internet.

Rules for working with electronic payment systems

To start using the electronic payment system, the first thing you need to do is register on the website and confirm your email. Before doing this, we recommend that you familiarize yourself with some rules - they will save money in the future:

1. Secure email. It is better to register a new email and not use it for other purposes. We recommend creating a mailbox using Google's service Gmail. Enable two-factor authentication in your security settings and your email will be reliably protected. We do not recommend working with mailboxes on the mail.ru website or similar ones.
2. The password must be strong and complex: include service characters, upper and lowercase characters, and numbers. It is convenient to use password generators. Here you can specify the required parameters and password length. It is better to store them in special programs or write them to a flash drive intended only for these purposes. I recommend the KeePass program - it is both a password generator and a place to store them.
3. Be sure to update the antivirus software on your computer and scan it for viruses. Antiviruses are not expensive, but they will bring great benefits.
4. Do not tell anyone your login and password. On behalf of the payment company, scammers can send emails and ask you to follow a suspicious link or send a username and password, supposedly to clarify personal data. If in doubt, immediately contact the electronic payment system support service.
5. Pay attention to the writing of the site address in the browser line. This is necessary in order not to end up on a phishing site of the payment system, which was created to deceive and collect information about your account. Sometimes the difference in spelling is just one character. We recommend that you do not click on advertising links; very often search engines miss such phishing sites, and many people fall for the trick of scammers. Add the official website of the payment system to your bookmarks.
6. Set additional security settings for your email. You can enable two-factor authentication 2FA in Yandex Mail or Gmail. Be sure to link your email to your mobile phone - this will help restore access to your email inbox.
7. In the security settings of your personal account of the electronic payment system, enable notification of financial transactions that will be sent to your email account or via SMS to your mobile phone. If someone tries to withdraw money and log into your account, the system will immediately notify you about this. Look at what other methods you can connect to protect against hacking: login using a certificate, password card, Google Authenticator application, receiving codes via SMS, etc.
8. When making an exchange, do not use the first exchanger you come across. We recommend using proven ones for these purposes: Prostocash, 60cek, Xchange, X-pay, Baksman.
9. When transferring money to another person, set protection by code or time, if possible.

List of electronic payment systems

List of popular electronic payment systems in 2020 with description:

Advcash

Thanks to the Internet, many new things have appeared in the world that make life much easier. Among them are various electronic payment systems that allow you to pay for services and transfer funds without leaving your home.

Elena Zaitseva is with you, a financial analyst at HeatherBober magazine. I will talk about the features and capabilities of electronic payment systems and analyze the most popular ones. If you want to choose or change a service for remote financial transactions, you will find a lot of useful information in the article.

1. What are electronic payment systems

An electronic payment system (EPS) is an organization that provides mutual settlements between users on the Internet. The participants in the process are individuals and commercial enterprises, banks and other financial institutions.

The activities of EPS in Russia are regulated by the state. The main regulatory act is the law “On the National Payment System”.

Electronic payment systems allow:

• pay for utilities, mobile communications, television, etc.;
• purchase goods in online stores;
• withdraw funds to bank cards and accounts;
• exchange currency;
• transfer money to other participants in the system, for example, within a business.

The list is incomplete. The capabilities of virtual services are extensive, their functionality is constantly being improved and expanded.

For payments, electronic money is used - virtual digital units issued by the system.

Features of digital cash:

1. Issued only in electronic form.
2. Backed by real money.
3. Guaranteed by the EPS that issued them (issuer).
4. Stored on electronic media.
5. They are recognized not only within the system, but also during settlements with external counterparties.

Virtual money is stored in electronic wallets - this is the name of the user’s account in the selected system.

2. How they work

The operating principle of EPS is similar to traditional non-cash transactions. Each user has a personal account through which settlements are carried out with counterparties and between their wallets.

The simplified scheme of work is as follows:

• real money is transferred to the user’s digital account;
• At the internal rate, the service exchanges for virtual currency;
• the account holder makes the necessary transaction (transfers funds to an individual, buys a product, etc.);
• the counterparty receives electronic currency;
• the system buys its internal money back, giving traditional money in return.

After exchanging real money for digital money for the amount received, the issuer has obligations to the user. EPS guarantees that upon request of the participant, virtual currency will be exchanged for real money.

For the use of digital cash to be possible, the recipient organization must accept payment in virtual currency.

Often transactions go through intermediaries.

Example:

The owner of the wallet makes a request to transfer virtual money to a bank card. The operation takes place through an intermediary - an organization that accepts digital money, exchanges it for traditional money and transfers it to the specified details.

As a result, the client’s account receives an amount in the required currency, for example, rubles or dollars.

Transactions are carried out similarly in favor of companies that do not accept virtual money. Sometimes the role of intermediary is performed by the EPS itself.

3. How do electronic payment systems make money?

The main income comes from transaction fees. For example, Webmoney, one of the leaders in the digital cash market, retains 0.8% from each user transaction. The tariff applies to both external transfers and actions between the accounts of one user.

EPS receive additional income from:

1. User certifications. There are wallets with different capabilities. To perform an expanded set of actions or transfer more money, you need to undergo certification - provide passport details, confirm your phone number, meet with a company representative for personal identification. There is often a fee for the service.
2. Using terminals. You can top up your wallet in different ways, a payment terminal or a partner ATM is one of them. There is a fee for the transaction. For example, the Yandex.Money service, depending on the selected terminal, withholds from 0% to 19% for one replenishment.
3. Using your own cards. To simplify the deposit and withdrawal of money, EPS issue cards, the maintenance and support of which costs money. A fee is charged for issuing, cash withdrawal, SMS notification and other operations.

The list is incomplete. In addition to the above, there are many other ways to earn money - fees for confirming transactions, commissions from partner organizations, providing intermediary services, etc.

4. Advantages and disadvantages

Electronic transactions are beneficial both to the EPS itself and to its corporate partners. The issuer of the virtual currency receives a commission for the transaction, and merchants do not have to spend money on collection and storage of cash.

The user receives from such calculations:

• convenience - operations are carried out from home or another place with Internet access;
• reliability - subject to the safety rules for using the wallet, the service ensures the protection of information and the safety of funds;
• unlimited use - digital cash has no expiration date and does not expire;
• free support - there is no fee for servicing the wallet;
• high speed of payments - many transactions are carried out almost instantly, delays are possible when intermediaries are involved;
• transparency - all transactions are recorded, the history of electronic payments can be requested at any time.

But in addition to its advantages, EPS also has disadvantages:

• the need to confirm your identity - to fully use your account you will need to provide personal data and documents;
• restrictions on use - not all companies and trade organizations accept virtual money, although their list is growing;
• commissions - some mandatory fees are significant, which is especially noticeable for large amounts;
• difficulties with recovery - if you lose your password, it will be difficult to resume work due to increased security requirements; you will need to provide a lot of information confirming your identity.

Each user will find significant advantages and significant disadvantages. For example, for me the commission for withdrawing funds from Webmoney to a card is too high. Because of this, I try to minimize the use of virtual money.

Watch the video to find out an independent expert opinion about the features and prospects of digital cash:

5. What types of EPS are there?

There are several types of electronic payment systems. They can be divided by transaction participants, by transaction amount, by payment terms, by currency, etc.

More often than others, classification is used based on the moment money is entered into the system. According to it, credit and debit types of EPS are distinguished.

Credit

For payments between participants in such services, credit cards with additional protection are used - message encryption and digital signature. To carry out the transaction, it is necessary to confirm the creditworthiness and compliance of the provided payment information with reality.

The main feature of such transactions is that first a contract is concluded, and then payment or money transfer is made.

Credit EPS include First Virtual, Open Market, CyberCash, CheckFree and others.

Debit

Almost all international electronic payment systems are debit. The principle of their operation is that transfers and payment transactions are available to the user strictly after replenishing the account.

Some debit EPS do not use digital cash, but electronic checks.

The principle of their operation is as follows:

1. The sender of the payment issues a check and endorses it with a virtual signature.
2. The document is transferred to the recipient through the arbitration system.
3. The service checks the receipt.
4. If no violations are found, then payment is accepted.
5. Funds from the account of the user who issued the check are transferred to the recipient.

Digital checks use a limited number of systems - NetCash, NetChex, NetCheque and some others.

6. TOP 5 electronic payment systems in Russia

Not all world EPS are known or used in Russia. This is due both to difficulties with replenishing and withdrawing funds, and to restrictions in application.

Webmoney

Considered the market leader. The development of the company began in 1998. During this time, more than 36 million people joined Webmoney.

The account owner has the right to open an unlimited number of wallets in virtual analogues of various currencies, including Bitcoin and gold. All accounts are combined into a kind of Keeper storage, each one is assigned an individual WMID number.

All transactions are instant and irrevocable. The commission for any transaction is 0.8%. To work, you must provide personal data and confirm it. There are several types of certificates. The higher the account status, the more opportunities the user has.

Yandex money

A commercial non-banking organization licensed by the Central Bank.

The user is asked to open one of three possible wallets - anonymous, personal or identified. The status affects the maximum possible balance on the electronic account and limits on transfers.

NPO Yandex.Money has its own card for paying and withdrawing cash, linked to the wallet. Cost for 3 years - 200 rubles.

PayPal

International EPS unites more than 200 million users. PayPal allows you to pay for purchases online and make transfers both domestically and internationally. You can open both a personal and corporate account.

The main advantage of the service is that domestic transfers for private clients will be free when funds are debited from a PayPal wallet. There is also no commission for paying for services.

If the transfer is made using funds on a linked card, the commission will be 3.4% + 10 rubles for each transaction.

Qiwi

Offers simplified registration - to create a wallet, just indicate your mobile phone number. When opening an account, the Qiwi service will assign the client a Minimum status, which, after passing the certification, will be replaced with Basic or Professional.

Through the service you can pay for services or transfer money. For ease of use, the client is invited to issue a free card associated with the funds in the wallet.

Payeer

The service offers to transfer funds to more than 200 countries in dozens of ways. At the time of writing (March 2018), there are 157 online exchangers listed on the Payeer website.

It is possible to issue a free card and withdraw funds to it without commission.

To understand which service is more profitable to use for withdrawing funds to bank accounts and cards, the commission data is summarized in the table:

№	Service name	Commission for withdrawal to card	Commission for withdrawal to account
1	Webmoney	2.5% + 40 rubles or 2% if the service finds a counter application from another participant	Depends on suggestions from other participants, on average 2%
2	Yandex money	3% + 45 rubles	3% + 45 rubles
3	PayPal		Free if you use funds from your wallet
4	Qiwi	2% + 50 rubles	2% + 15 rubles
5	Payeer	From 0% to 5%	From 0% to 5%

7. Conclusion

Now, knowing the basic information about EPS, you can easily choose the one that suits your needs.

The main thing is to ensure the safety of using the service. Use complex passwords and do not share personal information with anyone. When working at the computer from which you access your virtual account, do not visit dubious sites or follow suspicious links.

Question to readers:

Do you find the possibilities of virtual money useful for you personally?

We wish you to find a convenient, functional and easy-to-use electronic payment system. If you have any questions, ask them in the comments. We will be happy to answer them!

Good day everyone!

The Internet is becoming more and more integrated into our lives. Now you can quickly transfer money to relatives or friends, buy some things, pay for insurance, receipts - and all this without leaving your home!

All these transactions with money cannot be carried out without payment systems . Now, of course, many online stores allow you to pay by card, but not all stores allow you to get by with just plastic. I'm not even talking about transfers, the same can take up to 5 days, and a transfer, say, to QIWI - up to 5 minutes! The difference is obvious 👌...

In this article I want to focus on the most necessary payment cards that are used on the Internet (where it is relatively safe to store and manage money). By the way, many of them allow you to save money, because... commissions for transfers within their system are cheaper than in many Internet banks...

One mistake of 1-2 letters - and you may have problems with the account being blocked or frozen until clarification. In addition, unconfirmed wallets have certain limits on the use of funds.

QIWI wallet

QIWI wallet is one of the simplest and most convenient ways to pay for purchases and make transfers on the Internet. All you need to get started is just a mobile phone (when registering, QIWI strictly binds the mobile number (for security)).

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

QIWI also has a fairly wide network of payment terminals, a mobile application, and various Internet resources, which all together make using this payment card simple and convenient.

Main advantages:

1. operates in many countries of the world (more than 20 at the time of writing);
2. operations and transfers are carried out almost instantly (commissions are minimal or absent);
3. there is very (this is the return of a certain percentage of the cost of purchases (for example, you bought a product worth 1000 rubles - 100 rubles returned to your wallet). According to some offers from online stores, cashback reaches 10-15%!);
4. close integration with other Internet wallets, operator’s mobile account;
5. easy replenishment of your wallet (and in many cases without commission) from Internet banks, cards, and other payments;
6. If there is no Internet connection, you can even send a transfer using an SMS message;
7. the interface is friendly and allows you to complete your task (transfer, deposit, withdrawal, etc.) in an easy step-by-step manner;
8. before making a transfer, QIWI will warn you about all commissions;
9. you can order a plastic or virtual card (and pay with it like a regular bank card).

Yandex money

A very popular Internet payment system in our country. It is distinguished primarily by its simple registration and use. In addition, the fact that the system is supported by one of the most popular search engines, Yandex, also contributes to its popularity.

Payment for the order: please note that Yandex provides no guarantee that your purchase will be delivered to you (otherwise you can dispute it and get your money back)

Main advantages:

WebMoney

One of the oldest, most popular and multifunctional payment systems on the Internet (appeared in 1998, even many banks have gone into oblivion during this difficult time, but WebMoney lives and develops). It has a number of unique services, because... say, the flagship in Internet payments 👌.

Main advantages:

1. accepted in most online stores (the most widespread);
2. works in many countries of the world (widespread in the CIS);
3. wallets can be in different currencies: Russian rubles, Belarusian rubles, hryvnia, dollars, and even bitcoins! You can convert currencies from one to another using your own exchange (minimum percentage);
4. one of the highest levels of security (there is nothing like this anywhere else!): special. application for PC and smartphones, key file, password for access to the application and key file, working with ENUM. WebMoney also provides certificates and BL (a kind of rating of honesty and respect) for each of the participants. This also promotes honest and open work;
5. a huge number of possibilities for replenishing and withdrawing funds from the account: bank cards, accounts, other payment systems, money transfers, etc.
6. instant transfers within the system;
7. the ability to transfer money with a protection code (until the code is entered, the money will not be credited to the recipient’s account. Convenient when you want to protect yourself, in case you sent it to the wrong person, or he has not yet performed the service for you);
8. possibility of organizing payment acceptance;
9. the ability to conduct transactions (protected!);
10. easy and fast payment for utilities, cable TV, Internet, mobile phone and much more (everything cannot be described in one article - this is a very multifunctional payment system with constantly expanding capabilities!).

PayPal

One of the most popular payment systems in the World, more than 200 million registered people at the time of publication of the article! Payment, of course, is not yet so widespread in Russia (it came to us not so long ago), but abroad it is used in the vast majority of online stores and services.

One of the main advantages of the system: it is easy to transfer; you just need to know the participant’s e-mail, and you can send him money! Moreover, PayPal guarantees the safety of your funds and gives a certain time (up to 180 days) to dispute the transaction (for example, you ordered something on the Internet, but you were deceived and the goods were not provided - PayPal will return your money!).

Main advantages:

1. the most widespread in the World - if you want to receive a money transfer from abroad, there is nothing easier than with PayPal (it’s just that hardly anyone knows about QIWI);
2. high level of security;
3. the possibility of challenging the transaction (refund of funds);
4. there is a mobile application (and, by the way, very convenient!);
5. instant transfer of funds from account to account;
6. protection of your bank card on the Internet - when paying, it is nowhere to be seen (the card is linked to your PayPal account and upon purchase, the money from the card goes through this payment system. That is, no online store will recognize your personal data from the card).

Rapida

Rapida is a popular Russian payment system, intended mainly for paying for various services: utilities, telephone communications, Internet access, loans, etc.

It should be noted that the popularity of the system is somewhat lower than that of WebMoney or Yandex-money (apparently due to the fact that the original system was aimed at working with large companies: utilities, banks, search engines, etc.), but in recent years time Rapid wins back part of the market...

You can top up your wallet in Rapida using terminals, banks, plastic cards, and operators such as Euroset, Svyaznoy, and Tekhnosila.

Key Features:

1. payment of loans regardless of your bank’s work schedule - Rapida will transfer everything urgently at any time of the day;
2. ample opportunities for work: you can pay housing and communal services, traffic police fines, Internet services, make transfers, top up your phone account, buy a ticket or voucher, order a prepaid card and much more in a couple of mouse clicks!
3. minimum commissions for withdrawals to other payment systems and plastic bank cards;
4. for Megafon and Beeline subscribers it is possible to make a payment directly from a mobile phone, indicating the transaction code and amount;
5. Detailed statistics on your payment are always available on the service’s website (money will not get stuck or lost during the transfer).

W1 (single wallet)

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

The wallet works with many countries, including: Russia, Ukraine, Belarus, Kazakhstan, Tajikistan, etc. It is distinguished by close integration with mobile phones (in Viber you can now view your account balance and manage it), and low commissions for transfers and replenishments accounts.

Main advantages:

1. payment for mobile communications services, housing and communal services, cable TV, etc. popular tasks;
2. payment of loans 24 hours per day;
3. transfers within the system in minutes!
4. shopping in online stores;
5. transfer of funds to other payment systems: WebMoney, Yandex-money, etc.;
6. it is possible to exchange messages between users of W1 wallets;
7. Tight integration with mobile (tight integration with Viber).

[email protected]

A fairly convenient service for transferring money from card to card and between users registered in this payment system. To transfer money from one to another, you only need to know the e-mail address. Do you agree, it’s convenient?!

In general, the service is not so popular yet, but over time it should gain momentum due to the large Mail.ru audience.

Main advantages:

1. money in the wallet in the system is stored in Raiffeisenbank (which gives greater reliability);
2. no need to install any additional programs;
3. the ability to quickly and with minimal commission transfer money from card to card;
4. Your bank card is easily and quickly linked to your account, and then you don’t have to use it when making online payments;
5. many ways to replenish your account: QIWI, ATMs, bank transfers, using cards, etc.
6. high security of the wallet and transfers (to transfer money you need to enter a payment password). After stopping work with the service, after 15 minutes. access to the wallet is automatically closed.

Perhaps one of the disadvantages is that the system can only work with rubles. Also quite weak prevalence in Russia (and its complete absence abroad).