Which is better - Qiwi or Yandex.Money?

2016-05-27 00:00:00

The ever-increasing number of online stores encourages Internet users to start e-wallets. With the help of modern payment systems, you can not only purchase goods, but also pay for services, receive transfers from other users. Versatility, convenience of carrying out transactions without time and territorial restrictions are the main reasons for the growing popularity of virtual wallets.

Having decided to start an electronic wallet, a person finds himself in a situation where it is necessary to decide: which is better - qiwi or Yandex money? Which payment system to give preference to?

 

Comparative characteristics of payment systems

It is impossible to give an unequivocal answer to the question of what to prefer, Qiwi or Yandex.Money. Each of the systems has its own distinctive features, nuances of use. The comparative characteristics of the two systems in several parameters will help to determine the choice:

• check in

The easiest registration method is offered by Qiwi. It is enough to enter your mobile phone number on a computer or in a stationary terminal, confirm it, and come up with a password. Everything - registration was successful, you can use the system functions.

Registration in Yandex.Money is possible for users who have a registered mailbox on Yandex. Activation is available through one of the popular social networks - VKontakte, , classmates, Twitter.

Yandex.Money, like Qiwi, is famous for its simple procedure for creating an electronic wallet or account in the system.

• Refill

It is difficult to determine the leader in this matter. The developers of both systems approached the issue of replenishing electronic accounts thoroughly. If the user prefers to replenish the wallet through terminals, then it is worth choosing Qiwi.

You can also replenish the Qiwi wallet online, using mobile shops, ATMs. There is no commission for crediting funds.

It is possible to top up your Yandex.Money account through a bank card, ATM, self-service terminal, bank cash desk or electronic wallet.

• Versatility

Qiwi, just like Yandex Money, makes it possible to pay fines, purchases, various services, and repay loans.

Functionality

Qiwi saves all the payment details of the transactions, so you can easily plan the next payments, generate payment reports.

Only citizens of the Russian Federation can use all the functionality of Yandex.Money.

• Multicurrency

Yandex is clearly not among the leaders, because it works with one currency. In Yandex, transactions are only possible in rubles. Therefore, it will not even be possible to pay for a purchase in the beloved Chinese store Aliexpress, where prices are in dollars.

• Safety

Especially often, the question of which is better - Qiwi or Yandex Money, users ask themselves when it comes to the security of transactions and the safety of electronic money. Qiwi has all money transfers under control. The automated system guarantees the safety of all operations. With Qiwi, everything is easier, just know the phone number and password. Yandex Money offers to strengthen protection for a small fee - 30 rubles. All operations carried out via Yandex.Money require the introduction of a special verification code in order to provide additional security.

• Commercial purposes

The Yandex.Money system is categorically against doing business. Users noticed in this are blocked. Qiwi is more loyal in this matter, ready to provide clients with small loans and commissions on favorable terms.

• Technical support

Choosing the Qiwi or Yandex Money payment system , the user has the right to contact the technical support service. 

Qiwi also has a telephone hotline where polite call managers will clarify any confusion. Yandex.Money provides technical support services only online, via e-mail, which is not very convenient, because sometimes you have to wait for an answer for more than one hour.

• Withdraw funds

One of the most important questions for people engaged in freelancing, copywriting or any other activity that involves payments to an electronic wallet is the withdrawal (receipt) of earned money.

You can withdraw money from Qiwi to a bank card with a reasonable commission, then withdraw funds from it at an ATM. The same operation can be done in the Yandex system, but with one clarification - perhaps this is only for individuals, Yandex does not work with legal entities.

It is possible to receive funds from a Yandex wallet through the Contact international money transfer system.

 

So which one to choose - Qiwi or Yandex.Money?

The user himself decides which payment system to use. It is difficult to judge which is better than Qiwi or Yandex Money . Each of the systems has both advantages and disadvantages. It is necessary to decide for what purposes the virtual wallet will be used, and only then make a choice.