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WebMoney

2016-07-01 00:00:00

In 1998, a new server appeared on the Internet - the WebMoney electronic payment system . The development of EPS was rapid: in just a few years, the payment system gained international proportions. The company serves about 30 million customers. WebMoney services are used by ordinary people, private entrepreneurs and large companies and organizations.

Payment options are very wide. In addition to various financial transactions (money transfers, account replenishment, payment for goods and services), EPS customers can:

  • control the status of their accounts;
  • convert currencies;
  • attract investments;
  • resolve disputes;
  • make profitable deals.

Financial transactions are carried out instantly. It is worth remembering that it is impossible to withdraw an operation that has already been carried out, therefore, before clicking the “pay” button, you need to carefully check the details and the correctness of the transferred amount.

The WebMoney system works on a technology in which unified interfaces are provided to payment customers. Wallet holders can manage their own accounts. Funds are kept in specialized organizations called Guarantors. The User has the right to choose the Guarantor to open an electronic wallet. All e-accounts of one client are combined into a single system - keeper . Each person who registers on the company's website receives a personal unique number - WMID.

To interact with other members of the system, the user must provide complete information about himself, which is carefully checked by the server administration.

 

Types of electronic wallets in EPS WebMoney

Payment offers several options for electronic invoices. The user can choose the optimal WebMoney Wallet for him (or even several). On each of the accounts you can store a certain type of currency. The system opens ruble, dollar wallets, accounts with European currency, Belarusian rubles or Ukrainian hryvnia. There are also wallets where you can store cryptocurrency (EKZT, bitcoin ) or warehouse receipts for exchange gold bars.

In EPS, funds are measured in WebMoney (WM) title units.

 

e-invoice management systems

  1. Keeper Standard ( Mini ) is the simplest type of wallet. It can work in any browser, including mobile. To enter the site, the user must enter a username and password. The entrance can be carried out through social networks . The features of this account are limited.
  2. Keeper WebPro ( Light ) - this wallet has a lot of features. You can enter the site using your login and password or an individual electronic certificate.
  3. Keeper WinPro ( Classic ) - This wallet is designed for Windows operating systems . In order to log into your account, you will need a secret key, which can be stored in a file or in a vault with the E-NUM security system.
  4. Keeper Mobile is a special application that allows you to manage your accounts from a laptop or a modern mobile phone.

 

WebMoney tariffs

When making a financial transaction, the user must pay a commission fee - 0.8% of the total amount (but not less than 0.01 WM).

When conducting transactions between e-accounts of the same type, you do not need to pay a commission fee.

If transactions are made on loans, the commission will be 0.1% (and not less than 0.01 WM) of all loans provided.

 

What is a passport in the WebMoney system ?

Upon registration, all EPS users receive a certificate (electronic type certificate). There are 12 certificates in the payment card. The most popular are the following.

  1. Alias. This certificate is issued to clients upon registration and represents the lowest level: the client does not require passport data and other identity documents.
  2. Formal. To obtain this passport, you must enter passport data, but they are not checked by the system. But in some cases, the service may require copies of documents. After they are verified, the possibilities of the wallet will expand. For example, the client will be able to withdraw money via WebMoney Banks .
  3. Elementary. To obtain this passport, the user must provide documents certified by a notary and pay about 7 WMZ. All data is verified. Documents can be submitted in person or sent by mail.
  4. Personal. This is the main certificate in EPS WebMoney . To get it, you need to submit documents certified by a notary to the company administration and pay a fee (about 20 WMZ). This type of e-wallet gives its owner certain privileges, unlike lower-level accounts.
  5. Registrar. This is the highest level. Only the Certification Center has the right to issue it. To receive a certificate, the client must visit the Moscow office of Webmoney .

The system also works with certificates issued to customers who are engaged in any business, for example, a developer's certificate, a seller's certificate. Organizations and companies open Capitaller certificates and automatic payment machine certificates.

WebMoney electronic card

WebMoney provides its customers with the opportunity to issue virtual cards. The user can exchange WebMoney Money for fiat currencies, transfer funds to a card and pay for goods and services in online stores.

master card Virtual ( Unembossed ) can be linked to an e-wallet. Clients who are citizens of Russia and have at least a formal certificate B EPS have the right to do so.

This payment document does not have a physical medium, however, in terms of its functionality, it is no different from plastic bank cards. The only thing that cannot be done with such a card is to withdraw cash from an ATM or pay for a purchase through a terminal.

 

Dispute resolution

Disputes often arise between users of the system. Arbitration helps to solve them. For example, if the client is not satisfied with the results of the transaction, he can apply for an arbitration service in which the claim will be considered.

There are two types of claims.

  1. Warning (for informational purposes).
  2. Blocking. Provides for certain sanctions against the person to whom the claim is made:
  • suspension of the service of electronic wallets;
  • the requirement to deposit a security deposit, which is a guarantee of the fulfillment of obligations.

Users can also file claims against system employees. Arbitration services are free. After the arbitration considers the application and confirms the fact of the incorrect behavior of the EPS participant, measures will be taken. The application is considered within 7 days from the date of its submission.

Decisions made by the arbitration commission are final and cannot be appealed.

 

Safety system

Holders of electronic wallets in the WebMoney payment system do not have to worry about their financial security: their savings are under reliable protection. The server provides several authorization options:

  • through files that contain secret keys;
  • through individual electronic certificates;
  • using a username and a complex password.

Accounts are protected from unauthorized entry by a two-stage security system. To enter your personal account, the user must not only enter the login and code, but also write a one-time verification password , which is sent to the mobile phone. The E- Num service will also take care of security , its function is to generate codes.

Each operation carried out in the system is accompanied by two-phase authorization: when paying for goods, making money transfers, adding partners, terminating transactions, changing files with keys, linking cards and accounts to a personal profile, the client must enter security codes.

It is possible to notice in time that attackers attempted on the wallet, thanks to the ability to trace the history of transactions. Also, Keeper will not work if you are signed in from an IP address that has not been set by the account owner.

To protect himself from scammers by transferring money to the account of another member of the system, the client can use the services "Protection by codes", Escrow service , "Protection by time". These services are free.

If the “Protection by codes” option has been selected, the recipient will not be able to use the transferred money until he enters a special code that is known only to him and the sender. The time to enter the code is limited. If after the expiration date the password has not been sent or was entered incorrectly several times, the funds will be returned to the sender.

With Time Protection, the recipient can dispose of the finances only after the expiration of the period indicated by the sender of the payment.

Escrow service protects the transaction with security deposits.