How to create a WebMoney wallet in Ukraine. What kind of "electronic money" did the National Bank approve Ukrainian electronic wallets list

Modern tendencies development of markets of different industries lead to the fact that gradually a large number of trading operations moving from real market into virtual. In such conditions, there was a need to create a virtual method of calculation. The decision was not long in coming - virtual (or electronic) money was soon developed.

According to the definition, virtual money is funds that are on electronic media at the user's full disposal. Since the term "electronic money" is still new for our fellow citizens, confusion often occurs in which virtual money is confused with non-cash money. These concepts are far from each other. Electronic money differs from the fact that the circulation of virtual funds can occur solely through computer networks, the Internet, payment cards and electronic wallets.

The most popular form of using and storing virtual funds are electronic wallets - a kind of accounts on certain online resources (settlement systems), through which online payments are made. These are analogues of bank accounts on the Internet. According to the statistics of use by our fellow citizens different systems settlements - WebMoney is considered the leader. They also pay for this wallet.

Electronic wallets in business

To fully work with electronic wallets, you need to realize their need. For example, if a person is a freelancer, then the need to create an electronic wallet simply does not raise questions. But why does an entrepreneur need an electronic wallet?

• it best way remuneration of outsourcing companies and freelancers. It's no secret that the amount of wages for remote employees is much less than the wages of full-time staff;
• This is the best settlement tool when making payments from customers and partners.

Electronic wallets in Russia

Active development of trading operations in the vast global network, and as a result, the active use electronic money, could not disregard the legislative branch. In 2011, the Law of the Russian Federation “On the National Payment System” was adopted, which regulates the rules for the use and circulation of electronic money. Despite the existence of some restrictions associated with the circulation of electronic money, this type of settlement in Russia is gaining more and more popularity every year. In the Russian Federation, there are many settlement systems that provide work with electronic money, for example: WebMoney, Yandex-money, RBK-money.

Electronic money in Ukraine

The use of virtual funds in Ukraine is not much different from the situation in the Russian Federation. In 2008, the NBU adopted a resolution “On Approving the Regulations on Electronic Money in Ukraine”, according to which the use and circulation of electronic funds on the accounts of Ukrainian citizens is subject to clear regulation. This resolution describes in detail each procedure related to electronic money - ways to replenish an electronic wallet, withdraw electronic funds into "live money", and also considers the use of electronic business entities.

For example, according to the Decree, the use of electronic funds as payment for services or goods is possible only in two cases:

1. Exchange by electronic means between individuals (amount — up to UAH 5,000);
2. Payment for services or goods to legal entities.

Legislative acts of the Russian Federation and Ukraine are unanimous in that the use of electronic money in settlements between two entrepreneurs is strictly prohibited. But representatives of the Ukrainian Guarantee Agency hope that in the near future the legislative bodies of Ukraine will adopt amendments to the Resolution, which will mitigate existing restrictions in the use of electronic money.

Types of electronic wallets

Existing legislative acts for the convenience of working with electronic money, a conditional classification of electronic wallets was introduced. The classification principle was the subject, the owner of the electronic wallet. What are electronic wallets and what is their difference is described in detail below.

1. Non-personalized electronic money. When creating such an electronic wallet, the identification of the owner of the funds is not performed. This type of electronic money is ideal for those who often work with mini-payments and a small monthly turnover - up to 40 thousand rubles.
2. It is recommended to create personalized electronic wallets for those users whose activities require an impressive turnover of money - up to 100,000 rubles / month. When creating an electronic wallet, user identification is required.
3. Entrepreneurs and legal entities can legally use corporate electronic money in their activities. This type of virtual funds is good because it allows you to leave up to 100,000 rubles on your account daily, which is great for trading floors.

The best e-wallet

Among the wide variety of international and domestic electronic wallets, choosing one is quite difficult. And this choice must match a large number individual user requirements. This choice should be based on the qualitative characteristics and properties of a certain type of electronic wallet. Which electronic wallet is better to have is up to you.

• Multicurrency. It is very convenient when all user accounts - dollar, ruble, euro - are displayed in unified system calculations.
• Internationality - the ability to conduct transactions with issuers from many countries;
• Mobility - the ability to access your electronic wallets using a variety of gadgets, and not just a PC;
• Ease of use and intuitive interface.

Mail.ru Wallet

Among the many payment systems on the territory of the Russian Federation, two systems are most popular - WebMoney and [email protected]. We have talked enough about the advantages of the first, so we will devote time to the second.

If we compare the electronic wallets of the Mail.ru and WebMoney systems, we can see that Mail. ru has a lot of advantages, such as the ability to replenish and transfer Money to the payment card of the issuing banks of the Russian Federation (in particular, Alfa-Bank), work without additional software.

The only drawback of the [email protected] system is that it works exclusively with citizens of the Russian Federation.

Creating an electronic wallet WebMoney

If the decision on the need and creation of an electronic wallet is finally made, then the matter remains small - the creation of an electronic wallet. Let's take a look at this process as an example. WebMoney systems.

This system is good in that it offers users several options for working, each of which is accompanied by its own software. WMKeeperClassic is recognized as the most convenient and functional software by users. So, how to get a Webmoney electronic wallet:

1. On the start page of the system (www.webmoney.ru) you need to click on the "Registration" button;
2. The second stage of registration is the verification of the user's personal data - indicating the cell phone number, filling out the registration form and checking the correctness of the information entered;
3. The third step is to check the specified email address. After registration, within 2 minutes, an email with a registration code will be sent to the specified email address. You need to enter this code in the form on the service website and click "Continue".
4. The fourth stage - checking the validity of the number cell phone. After confirming the email address by SMS, a code will be sent, which will also need to be indicated on the service website and click "Continue"
5. The last step is to specify the password that will be used when logging in. The entered password along with the login is the data that needs to be hidden from prying eyes and not forgotten.
6. After creating an electronic wallet, you will need to re-register, which will provide the opportunity to manage your account in the system. To start re-registration, you need to run the software installed during the first registration - WebMoneyKeeperClassic and carefully fill in all the required fields.

How to replenish an electronic wallet

About all operations that are performed with electronic money, the owner of the funds is instantly notified via SMS messages. This also applies to replenishment of electronic wallets.

There are so many ways to replenish electronic wallets that each user can choose a single, convenient option for him. Despite the fact that there are many payment systems, all of them, for the convenience of the user, offer universal methods of replenishment:

• Depositing cash at special exchange offices, cash desks, outlets or electronic terminals;
• Purchase and use of a payment card of the selected payment system;
• Transfer funds from bank account to virtual;
• Transfer of funds from an electronic wallet of another payment system.

Read - how to lead

Having chosen such an intermediary, there is little left to do - just find out the terms of the loan, choose required package lending. Within a short period of time, the loan amount will be credited to the specified electronic wallet.

To repay the loan, you need to pay the specified amount monthly from the electronic wallet, taking into account interest (quite high)!

If you decide to connect your business with electronic money, do not forget:

• Choose multicurrency international system payments with a long history of work;
• Study in detail the conditions of electronic lending;
• Use personalized electronic wallets, as they are under the reliable protection of the payment system.

It is worth noting that Webmoney is still the most reliable e-wallet, but its competitors today are not inferior in reliability. Soon we will tell you how to get an electronic wallet Qiwi (Qiwi), Yandex, Sberbank and others.

Hi all! Today's article is devoted to the latest changes: in May 2018, Ukraine presented an unpleasant surprise to users of the WebMoney electronic payment system. As part of the sanctions, the use of WMU was banned, and registration as an intrastate settlement system was canceled. The legality of blocking actions raises questions, but users are more concerned about how to now receive money from the Russian Federation and other countries. After all, the system was used by freelancers working with Russian customers, and people to whom relatives sent money. What options do they have?

WebMoney ban in Ukraine: what to do with the balance of funds

The first wave of panic came when the news broke that WebMoney was suddenly blocked in Ukraine. It coincided with a malfunction on the site, which made users even more excited. They went to the Russian version to collect their savings:

• Some managed to transfer money to unlinked cards, but the method implies restrictions of UAH 5,000 per day. By the evening of May 24, the official withdrawal from the system to banks was no longer available.
• Holders of linked cards used exchangers on the network, but the very next day the WMU rate fell by almost 2 times.

The option with exchangers is still available, and user losses have become less. After the first wave of panic, the exchange rate stabilized, and now for 100 WMU you will get 69.1 UAH.

What will happen to the funds left in hryvnia wallets? Representatives of the payment system assured that the funds would be frozen, and after the ban was lifted in 2021, the owners would be able to receive them.

Also, the WebMoney Transfer company assured that users from Ukraine will be guaranteed to be served using wallets of any type, except for WMU.

How to bypass WebMoney blocking in Ukraine

To access the system, check if the provider has entered restrictions. There are no legislative regulations in this regard, so it all depends on the decision of a particular company. But bypassing the blocking is not difficult if you use a VPN:

It is not uncommon to have to try several add-ons until you find suitable option to bypass blocking. Remember that the VPN browsers that you have installed to access social networks VKontakte and Odnoklassniki (FreeU) are not enough. By choosing the appropriate option, you will figure out how to withdraw WebMoney in Ukraine.

Important information:
Through the State Services, you can apply for a foreign passport of the old and new generation. … New generation passport or biometric passport for adults and children.

How to continue receiving and withdrawing WebMoney in Ukraine

The system does not charge interest for the fact that you store funds in it, so it is mostly used for transactions. Now Ukrainians are thinking about how to withdraw money further without losing fabulous sums on the exchange.

In conditions when transferring money to a bank or replenishing mobile phone no longer, you have to get used to the new realities.

The first step was switching to WMR and WMZ wallets, but then the money must be withdrawn to a card in hryvnia. What options are available?

Withdrawing WebMoney through exchange offices on the network after the ban

The easiest and most common way is through online exchange offices. Select favorable exchange rate using the Bestchange service and receive money on Visa / MasterCard or Privatbank cards. Users on the forums noted the reliability of the following items:

• Obmen0629 (to Privat24).

I recommend : Monitoring system BestChange.ru brings to the TOP every 5-8 seconds best options by 20 popular currency pairs just on verified network exchangers:

• To quickly transfer funds to your account and not enter data manually each time, register on the service. Enter your full name, email address, mobile phone in international format. It is important that the data matches letter for letter the information in the WMID. There are no minor details: if you provide a different phone number, the payment will not go through.
• Enter wallet and card numbers, save changes.

You can skip the step if you are making a one-time exchange, but it is more profitable for regular customers to register. After all, after it you will begin to receive bonuses for each transaction, and you will also be able to verify your account (this gives priority in response to tickets and instant exchange when working with Yandex.Money).

Completed registration or decided to do without it? Select the “Exchange” item on the main page, indicate the desired directions and click “Change”. A form will appear on the screen, which unregistered users will fill out manually. Check the appropriate boxes and click on the payment button. After entering the code from SMS or E-num, the process will be completed and the money will be credited to the account.

Possible problems with withdrawal to the card due to WebMoney blocking

Judging by the feedback on the forums, most users in Ukraine continue to withdraw funds to cards: WebMoney Transfer provides active support. Difficulties may arise in the process, but they are solvable.

No card linked to WebMoney or expired (for Ukraine)

In order not to contribute to fraud, exchangers carry out withdrawals to pre-linked cards. If you have not done the procedure in advance, take action.

Binding through a personal account in most cases does not work. On the forums of freelancers, there is information that some managed to use the usual way. But others don't have to worry either. if you have a name card, the service staff will check the data manually.

Log in to complete the procedure.

Choose a section "Control Panel".

Scroll down the page and you will see "Bank cards". Click on the list to see further information.

Select an item "Add card", specify the payment system (Visa or MasterCard), enter the payment method number and confirm the action. A new item will appear, next to it you will see the inscription "Verify". Click on it to download photo of the front side of the card, making sure that the name and surname are clearly visible on it. The verification will be carried out within 2 working days, after which the card will appear in the list of options for withdrawing money through exchange offices.

Please note that you do not need to upload pictures of the back side with a CVV2 code!

After blocking WebMoney, linked cards disappeared from the personal account

Messages of alarmed users from Ukraine appeared on the network. They reported that from personal account information about linked cards disappeared: they simply stopped being displayed on the same page as wallets.

For most, they “returned” without additional action. Anyway panic was premature, because direct withdrawal through the site in Ukraine is impossible. And the disappearance of cards from the personal account does not mean that they have disappeared from the list of payment instruments linked to the WMID. If you wish, you can open the Webmoney Passport and make sure that the information has not disappeared. This means that you can exchange through certified points.

Unable to exchange through certified points

Failures when trying to exchange funds through Obmenka.ua, SmartWM or other platforms are usually caused by the following:

• You entered your profile information incorrectly when registering on the site of the exchange office. Check the correctness of the full name and make sure that you filled out the form in Ukrainian. The spelling must completely match the option in the WM passport; if errors are made during the exchange, the message “Invalid WMID” appears. Also check that the mailing address and phone number are correct.
• You are trying to link a dollar card to a hryvnia wallet. Binding of means of payment is carried out only if they work with the same currency.
• You didn't pay attention to minimum amounts for exchange. Due to the increased demand, restrictions have been introduced on the sites: less than 100 UAH are not credited.
• You are using an unreliable VPN service. Usually in this case, the message Err appears: 1 merchant purse (WMID number) not specified or incorrect step:6. Try other VPN add-ons.

The ban on WebMoney in Ukraine does not mean that you will not be able to use the system. Just understand the nuances, and you will transfer funds to payment cards and withdraw cash from ATMs.

To withdraw money to a card of a bank operating in Ukraine, do not change WMR or WMZ to WMU! It is more profitable to exchange rubles or dollars for hryvnias through certified points on the network.

Alternative ways to withdraw WebMoney

How else to withdraw money from WebMoney in Ukraine after the ban? Users recommend the Exchanger.Money service, thanks to which you can replenish wallets or withdraw funds to a card.

You can select an existing application or submit a new one by following the instructions below:

If necessary, contact the service administrator, who will describe the next steps.

If you have a registered dollar card, you can withdraw WMZ by following the link https://telepay.webmoney.ru/ru/cards. Suitable means of payment any bank except Privat. To use the service, fill out the form, indicating the following:

• recipient's card number and its validity period;
• currency (USD);
• transfer amount.

Then click "Pay", enter the code from SMS or E-num, and then wait for the receipt of funds. It is important that MasterCard cards are credited within 5 banking days.

How to avoid scammers when working with WebMoney

The blocking of WebMoney in Ukraine has led to the fact that the number of complaints about scammers has increased dramatically.

Attackers use 2 pretexts: they offer to help with the withdrawal of WMU, or they contact users of VKontakte or Facebook.

Scammers contact the victim on social networks, posing as employees of the electronic payment service. Then they say that it is necessary to pass verification, and they ask you to provide the phone number to which the WMID is linked. At the next stage, you will be told that you need to enter the code received in the SMS and will be asked to clarify the password. This is how attackers gain access to your account.

If SMS confirmation of transactions is enabled in your profile, you may be informed that the first combination of numbers is incorrect. You will receive a second message, which will actually contain a code for transferring funds to the attacker's wallet. As a result, you will lose all the money!

How to protect yourself from scammers? Observe the following rules:

• Transfer money through certified exchange offices on the network. It will not be possible to find courses more profitable: no one will work at a loss.
• Remember that you can only receive answers on social networks after you have created an official appeal to the WebMoney Transfer group. To do this, you need not to be noted in the comments to any entry, but to write a personal message.
• If you communicate with a service representative in a PM, please note: they can only answer from the official page! A special badge testifies to the fact that it has been verified by the VKontakte administration.
• Do not tell anyone the codes received in SMS or E-num. They are required only to perform actions with the WMID, and employees of the organization do not request them.

If you have any problems using the electronic payment system, send requests to the official support service. Those who are unable to log in to the site can send a request through the VKontakte service. But note that you should be answered from the page of the official community! Fraudsters register on the network, specifying similar data, put the WM logo on the avatar and try to get information to enter other people's WMIDs.

Alternative to WebMoney in Ukraine

Those who do not know how to withdraw money from WebMoney in Ukraine after blocking are starting to look for alternatives. What are the options at your disposal?

QIWI or WebMoney

If you work with Russian customers, they will offer to make payments to a QIWI wallet. It will be possible to register it to a Ukrainian phone number, after which you will receive the “Anonymous” status.

Withdrawal of funds from a QIWI wallet in Ukraine is done through exchange offices. The course turns out to be less profitable than when working with WMR or WMZ. For example, for 1000 rubles. in QIWI system you will receive 385 UAH to Visa or MasterCard; when exchanging Webmoney, you will be credited 411 UAH. If your monthly income reaches 20 thousand rubles, then when you switch from WM to QIWI, you will lose 520 UAH less.

The option has another drawback: with regular receipts of funds, a wallet with the status “Anonymous” can be blocked. QIWI does not have a remote identification procedure for citizens of other countries, so one can only hope for luck. But the method is suitable for those who cannot immediately link the card to WebMoney. If you have just ordered a registered payment instrument and are waiting for delivery, or manual check WM employee, and the money is needed urgently, ask customers to pay on QIWI.

Yandex.Money: can it be used in Ukraine

Yandex.Money can become an alternative to WebMoney: they can be cashed out through exchangers. The disadvantages of the option include the need to verify your identity, because without this you will not be able to make transactions.

Citizens of Ukraine have access to a remote procedure: they will need notarized photocopies of their passports and translations, as well as an application for identification. Then you will send the package of documents by registered mail. All that remains is to be patient, because the work of the Russian Post does not please with speed.

Despite official prohibitions, agents of the Yandex.Money system also operate in Ukraine. To meet them, select your city from the list and contact a representative. You will need to fill out an application and come to the appointment, taking your passport. You will have to pay about 450 UAH for the service (check with the agent for conditions).

The disadvantages of the method include the high cost of the service and the optionality of individual employees of the system. According to the feedback on the forums, some agents simply do not show up for the meeting.

Problems with accessing the Yandex.Money wallet and how to solve them

Using the Yandex.Money system has a major disadvantage - in Ukraine you have to log in via VPN, and the wallet is then blocked. There is a high risk that you will see the message “Protection mechanism worked” and lose access to funds, after which you will have to re-verify your identity.

To avoid similar situation try the following options:

• Use VPNs that are adequately accepted by the service. According to forum reviews, TunnelBear is one of them. But there are no guarantees that the service will not respond with a blocking!
• Some users have been lucky with providers that have not blocked mobile versions of banned sites. If the service provider is negligent, you will be able to access the wallet without using a VPN. In this case, make an exchange in online points from your smartphone, and avoid blocking.

What to do if the Yandex.Money wallet is blocked, and you are in Ukraine and cannot come to the office? Sending a second letter with certified documents and waiting a few weeks is not the only option. Write a review on the site http://www.banki.ru, and the wallet will be unlocked in 2-3 hours.

Other WebMoney Alternatives: Is It Worth the Risk?

Although users did not abandon their usual schemes after the blocking, they began to look for legal alternatives. But is it worth spending time on registration and verification of documents?

From card to card from Russia to Ukraine: will PaySend replace WebMoney

Freelancers working through the exchanges reacted calmly to the WebMoney ban: most sites withdraw money to cards. With direct cooperation, the task becomes more complicated, so users turned their attention to the PaySend service. Ukrainians cannot register on it, but receiving money is available to them - in theory.

You are promised fast transfers, and the commission when transferring from the Russian Federation is 49 rubles. But reviews on the forums show that it makes no sense to study the conditions: in addition to the complex registration system, users noted unreliability. The money simply does not reach the recipients, and the support service claims that PaySend has fulfilled its obligations.

Pay attention to user stories about the service: their authors put either 1 star or 5. It is easy to guess that this difference indicates an abundance of custom reviews.

“One wallet”: loss of money and unpleasant surprises

After receiving information about the WebMoney ban, freelancers turned their attention to the Walletone.com system. But it turned out that it is not suitable for accepting payments from customers, so do not waste time registering.

To conduct such activities, it is necessary to connect not only the Single Wallet, but also Single checkout. This function is available to entrepreneurs who have been identified, indicated legal data and backed them up with documents. An online store is also required (details at the link).

Walletone.com support states that when you try to accept payments from customers, your Wallet One will be blocked.

Conclusion

Although the use of WebMoney in Ukraine is banned, you can withdraw funds and receive them on your card using exchange offices. Practice shows that WM is more profitable and more reliable than dubious alternatives (PaySend, “Single Wallet”). If you have any difficulties, switch to solid alternatives - QIWI or Yandex.Money.

Friends, since the situation is changing rapidly, tell us everything you know in the comments. Your add-ons can help other users withdraw money!

Legal advice free of charge online

WebMoney is an electronic money system popular in many countries. This essay will discuss in detail the question of how to create a WebMoney wallet in Ukraine and the features of the withdrawal of electronic currency.

Features of using WebMoney in Ukraine

Using an electronic wallet in Ukraine is very simple. However, registration is required first. This is done in this way:

It is also possible to register WebMoney in Ukraine formal certificate. To create such a wallet, you need to perform a number of simple steps:

1. Log in to your account in the system.
2. Go to the service attestation center.
3. Carefully fill in all the fields, if you make at least one mistake in the name, surname or place of residence, you will need to write to the support service with a request to change the information.
4. Next, do bank card if it doesn't already exist (you need it for output, which we'll talk about a little later).
5. The penultimate stage is the uploading of scanned copies of the first pages of the passport and bank card. After some time, the document will be received.

After registering and creating a formal passport, many system features will become available.

Payment systems of Ukraine: Video

How to display WebMoney title units

Now let's look at some of the most common ways to withdraw money using your account in the system.

The first way is to replenish the mobile. Suitable only for users who have a small amount of cash. To do this, you need to go to the control panel of your wallet. Next, go to the "Payment" tab, select one of the telecom operators, enter the amount and phone number.

After that, the replenishment will be made. The advantage of this method is a low commission (0.5 percent) and instant transfer of funds. You can top up your mobile only with WMU - an intra-system analogue of the Ukrainian currency hryvnia.

The second way is to withdraw banknotes to the account or card of PrivatBank.

The third way is to use one of the exchangers. This method requires a certificate of at least a formal one. How to do it, we have already described above. Now step by step the whole withdrawal process:

Other services work in a similar way. You can also buy WebMoney by yourself, all methods can be found on the official website

And also after attempts to restrict access to Yandex services, many Ukrainians needed to search alternative ways making transfers and payments using electronic money. Unfortunately, in this regard, our country lags behind many European states and far from all the world's leading payment systems are registered in domestic jurisdiction. Therefore, we have prepared a list of useful recommendations that can help all those who are looking for what electronic money can be used on the territory of Ukraine in 2018.

Despite the increased activity of the authorities to restrict the rights and freedoms of citizens in the global network, the Internet offers many ways to circumvent the bans being introduced. In this article, we will not consider them, but will only confine ourselves to a review of public electronic money systems that enable everyone to create an electronic wallet and carry out Money transfers. In addition to WebMoney, among the most popular and convenient electronic money in Ukraine in 2018, it is worth highlighting:

• – Qiwi
• – PayPal
• – Perfect Money
• – ePayments
• – PAYEER
• – UkrMoney

Consider the features of the largest of them.

The Qiwi service is one of the most famous and authoritative electronic money systems in the world. It works in many countries of the world and is an official partner of the payment Visa systems, which opens up a lot for owners of Qiwi electronic wallets additional features. Qiwi is great for making online payments, as this type of electronic money is accepted by hundreds of thousands of online stores and other resources. The Qiwi service provides many additional services, has a convenient mobile app and responsive support.

The main disadvantage of Qiwi for Ukrainians is the inability to open an electronic wallet in hryvnia, since the system offers only one type of wallet - ruble. However, this is offset by the fact that Qiwi has an agreement with Privatbank, which allows transfers through the PrivatMoney system. You can receive them both in rubles and in hryvnias, thanks to which money can be very quickly converted from one currency to another. All operations are performed using mobile number Ukrainian operators, which makes this electronic money system so popular.

PayPal

Despite the fact that PayPal does not have an official representative office in our country, the people of Ukraine have been actively using the capabilities of this world's largest payment system for a long time. This is possible due to the use of the so-called. "Send only" model, within which the user can create account in the system, replenish the wallet and transfer money from it. At the same time, you will not be able to withdraw them back to a bank card or receive an incoming payment on such a wallet, but you will have access to the world's largest electronic money system that millions of people accept for payment.

According to official statements, PayPal plans to open a representative office in our country in the near future, and at the same time, every Ukrainian will have the opportunity to use the capabilities of this payment system by 100%. AT last years in Ukraine, the market of electronic payment systems, and in medium term we have every chance to become one of the leading countries actively developing this direction in the economy. It is quite possible that temporary care from the market leader in this industry - the company WebMoney, will only spur this process and will stimulate the development of competition in the field of electronic money.

ePayments

Speaking of largest systems electronic money in the world, one cannot help but think about ePayments, since this company has risen to the top in recent years. Registration in this system is not as simple as with other services, but all its participants have unique advantages. The company cooperates with the largest organizations in the world, in particular with the British Electronic Payments Association and MasterCard, which have developed a special card for ePayments users that is accepted for payment in almost any country in the world. To a wallet opened in the ePayments system, you can freely transfer and receive funds with low or even zero commissions. The ePayments card can be cashed out at an ATM, and funds from it can be easily converted into any other electronic money or cryptocurrencies.

Other market participants

In addition to these, electronic money in Ukraine in 2018 is represented by a dozen other companies. Although they have a smaller scale of operations, they offer their customers many additional benefits. Those who are looking for which electronic money system to choose often opt for the Perfect Money service, which is distinguished by low commissions and the presence of a special “deposit” program, under which you are charged% on the account balance. There is an electronic money system UkrMoney, which is close to the Privat group and is focused on the Ukrainian audience, as well as a number of others. In addition to this, there is always the opportunity to use a variety of online exchangers, with which you can easily convert one e-currency to another.

I thought for a long time what to call this article. I was looking for cultural words that fit the meaning. And I didn't find it. Because after those nerve-wracking events that made me write it, I had no other words, except for obscenities. Sorry ladies and gentlemen, but this is a total star.
You won't say otherwise.

In general, the essence is this. Ukraine has banned electronic money. In particular, Webmoney, Yandex.Money, QIWI Wallet and Wallet one/Single Wallet. So now authors living in Ukraine, as well as readers living in the same country, will no longer be able to replenish or withdraw money from their emails. wallets in a legal way.
And I learned it on my own skin!

On Sunday morning, like a thousand times before, I decided to transfer the money from the poison to a bank card. And since I live in Ukraine, the card was a notorious private bank. The money is gone. Then they returned. I sent them again. They returned again. But I'm a persistent girl! I sent them a third time and... They left... somewhere...
Into the unknown, judging by the fact that they did not arrive on the map.
After three hours of pointless waiting for my hard-earned money, I still guessed to call Privatbank. And a very polite girl very politely told me what I already wrote above. Email payments in Ukraine are now illegal.
Shock? No, it was something more. I stood, gasping for air and trying to figure out where my money went and what to do next. And the operator girl continued to broadcast that comrades who receive payment via the Internet are now strongly recommended to use the swift payment system.

I decided to find out what kind of animal it is. It turned out - the Community of Worldwide Interbank Financial Telecommunications or simply a system of international interbank payments. And now, owners of Privatbank cards can only withdraw and cash out e-mail through this system. money. Including rubles, dollars, euros and other currencies. Legally.

But, as you know, for every legal way there are several not quite legal ones. I've only found two so far.

The first, the fastest and most profitable. Through an email exchange currencies. I've been using this one for a couple of years now:
http://obmennik.ua/ru/
Everything is very simple there. Register, and then follow the prompts of the interface. Transfer from Yandex to private occurs instantly, but for the first time, money can be delayed up to three days. Verification, so to speak. The rate here is a little worse than the official one, and there are other, more profitable exchangers, but I got used to it and never regretted it.