OKPAY electronic payment system appeared relatively recently, it is available to users in foreign and Russian languages. OKPAY Inc. is an offshore company registered in the British Virgin Islands in 2009. If you compare the system with existing analogues, then it is something between AlertPay and LibertyReserve. The advantage of OKPAY is that it can be used for almost any type of business, with the exception of industries related to child pornography. Valid actions related to investment projects, gambling and MLM. Thanks to such a diverse range of services, experts predict the site www.okpay.com, reviews of which there are many, a great future.
Key Benefits of OKPAY
This payment system has several advantages:
- Low percentage of commission - in some cases it is 0%.
- A variety of ways to replenish and withdraw funds.
- Instant and safe operations.
- The ability to send money to the user by email.
- A simple exchange of electronic funds of various payment systems (LibertyReserve - 4%, AlertPay - 7% + 0, 25, Liqpay - 4%).
- Receiving payments from legal entities via the Internet.
- Payment of permanent bills online.
- The ability to make bulk payments.
- Interest on funds held in electronic accounts.
- Payment for goods and services in online stores.
- Online purchase / sale of currency.
- Simple integration process into existing store systems.
- Single agreement for all payment options.
In a word, the resource has an extensive list of features, and positive reviews about the OKPAY wallet confirm this.
Registration in the payment system
The registration process in the OKPAY system is extremely simple and straightforward. All that is required of the user is to go to the main page of the site, then the “Registration” section. After that, the registration form will open, in which you need to enter some data:
- initials;
- age;
- gender;
- Email
- indicate the reason for creating the account (personal use or doing business).
The resource interface is very simple, it contains many convenient widgets, one of which, for example, is the exchange rate. This is very convenient, since the actual data is always before your eyes and there is no need to run on different sites. The interface contains two consoles: the left one displays information, and the right one is functional.
Account Verification
In order to get the maximum benefit from the OKPAY website, you need to go through the verification procedure, because otherwise the following restrictions are imposed on the account:
- The maximum limit for sending funds through the OKPAY system is 300 euros.
- The inability to withdraw funds from the account, they can only be exchanged for other currencies through sites - exchangers.
In order to remove these restrictions, you need to do a few simple steps:
- Verify identity. To do this, you need to specify passport data in your personal account and attach a photocopy / scan (just photograph the second page of the passport with a phone or digital camera).
- Confirm address. To do this, you must specify at least one address in the user’s questionnaire and attest to it with a document. This can be a stamp on registration in the passport, a receipt for utilities and more.
- Confirm mobile phone. Confirmation of the phone number is a paid service, the cost is 0.70 euros (you need to buy an SMS package of 10 pcs.). It is worth noting that this item is optional.
- Confirm email. Confirmation of e-mail is carried out in a standard way, that is, a message with a link to which you must go is sent to the address specified during registration
Verification of the account according to the data declared by the system is carried out within three days.
Deposit on OKPAY
You can top up your personal account in various ways:
- Bank transfer If you deposit money into your account in small amounts, then it turns out to be very unprofitable because of the large commission. The bank charges 1% of the amount, but not less than 12 $ or 10 €. But judging by the reviews about OKPAY, this does not bother users.
- Contact transfers - this method is only available for verified accounts.
- Using other payment systems - LibertyReserve - 4%, AlertPay - 7% + 0.25, Liqpay - 4% and more. Most often, replenishment through payment resources is carried out instantly, but if they have doubts about the validity of the operation, additional documents may be required, and the payment will be frozen.
- Certified exchangers.
Reviews of the OKPAY payment system indicate that topping up an account is a fairly simple operation, and any client can choose a method convenient for him.
Withdraw funds from OKPAY
The service is available only for verified wallets. You can withdraw money in different ways:
- Transfer to the account of any bank. The minimum amount for withdrawal is 5 thousand rubles / 150 euros / 150 dollars. The commission for the operation is 1%.
- To debit card OKPAY.
- Through other payment systems. Reviews of OKPAY lead to the conclusion that this is the most common way among users.
- Cash withdrawal using certified exchangers. The minimum withdrawal amount is 10 dollars.
The timing of the operation depends on many factors, but most often the money comes in a few minutes. Reviews of the withdrawal of money from OKPAY confirm this.
OKPAY Bank Card
Most payment systems today offer their customers to issue an electronic wallet in the form of a plastic card, OKPAY was no exception. OKPAY bank card is no different from a usual credit card. It was released on the basis of MasterCard, which, according to the company itself, is the most convenient "plastic".
To get a card you need to go through the verification process and pay $ 15. The production of the card takes from 21 to 27 days, after which it will be delivered to the user home. If desired, the production time can be reduced to 5 days, however, in this case you will have to pay $ 70 already. In addition to a physical card, a virtual credit card can be issued in the system, the cost of which is $ 15. The validity of a bank card is 2 years, virtual - 1 year.
OKPAY bank card is a full-fledged product, it can be paid at cash registers of shops, cafes and restaurants, withdraw cash and replenish the account, most importantly, do not forget about the existing commissions.
Reviews of OKPAY customers who have already managed to use it are very different. Some are completely satisfied with the conditions, while others are confused by the fees. But if you study the information, you can see that all payment systems have them.
Commission card
After receiving an OKPAY bank card, you must activate it by following the attached instructions, or on the receipt of okpay payment website (according to reviews found on the network, it is better to use the second option). This service is paid, 10 dollars will be debited from the account.
The fee for replenishing a card account with a wallet is 3% of the amount, in the opposite direction it is also 3%. When withdrawing cash (the operation can be performed at any ATM), the amount of the commission is 2% of the amount, but not less than 3 dollars. When paying through POS-terminals, for example, in shops, restaurants, etc., no commission is charged. But if the operation is performed in a currency other than the dollar, then automatic conversion occurs at the rate set by MasterCard.
There should always be funds on the OKPAY card, the minimum amount is $ 10. As soon as money is credited to the account, the system blocks this amount as a fee for closing a card account.
Card Limits
The following withdrawal limits are set on the OKPAY bank card:
- No more than three withdrawals per day for a total of $ 750.
- 30 cash withdrawal operations for an amount not exceeding 5 thousand dollars per month.
For non-cash payment:
- 80 operations per day for an amount not exceeding 3 thousand dollars.
- 60 payments per month in the amount of not more than 15 thousand dollars.
How to make money with OKPAY
OKPAY payment system can be used not only to store funds and pay bills, but also receive additional income from it. Moreover, this fact is confirmed by reviews of OKPAY, found on the network. There are several ways to earn money:
1. Daily bonus from the online exchange Ok-change. To make a profit, you need to register on the resource and click on the “Bonus” button located in the header. In the window that appears, you need to enter the current euro and dollar rates (you can see it on the main page if you hover the mouse over the EUR icon), the email address, the symbols in the box below - confirmation that you are not a robot, and click the Get Bonus button. After that, the user’s dollar wallet will be credited from $ 0.01-0.02. Repeat this operation once a day.
2. Affiliate program. The okpay.com portal (which reviews are very positive) has a two-level referral program:
- 1 level of referrals - the user receives a bonus of 20% of the amount spent by all attracted referrals. In addition, bonuses are awarded:
- a) For issuing a debit card - $ 1 for delivery by the usual method, $ 3 for express delivery.
- b) For account replenishment - $ 0.20 for each transaction.
- c) Deposits - 0.5%.
- d) Cashing - $ 1 per transaction.
- 2nd level of referrals - 10% of all commissions are charged. Additional rewards:
- a) For ordering a card - $ 0.25 (regular delivery); $ 1 for express delivery.
- b) Replenishment - 0.10 dollars.
- c) Deposit - 0.25%.
- d) Withdrawal - $ 0.50.
3. Promotion OKPAY on your own site. In order to receive additional income, the site owner needs to create a special page with information about the OKPAY payment system. Each person who comes from this resource, regardless of who posted the text, automatically becomes your referral. To participate in the program, fill out the special form on the official OKPAY page.
4. Bonus for those sites that accept payment through the OKPAY service. Each of your new customers who paid for the first purchase is credited to the list of your referrals (if he does not have another referral).
5. Online - exchangers. You can receive additional income if you exchange various electronic currencies. Additional conditions are provided for okpay.com for this category of users - they have the opportunity to obtain the status of a certified OKPAY partner. Each new user who performs the exchange operation automatically becomes a referral.
What resources accept OKPAY
To date, the okpay.com payment system is found only on the sites jillsclickcorner.com and donkeymails.com. The minimum amount for withdrawal is 10 cents, and this can be done without commission.
Summarizing
After studying all the reviews about OKPAY, we can conclude: the new payment system started well, but for now this is all that can be said. Developers and resource owners care about Russian-speaking users, do not forget about the expansion of functionality, improve the interface, but all these changes have a bad effect on tariffs that are increasing. In the future, OKPAY has all the prerequisites for a strong justification in the world of electronic payment systems, but until this happens, it is better to use the resource as an alternative when there is no other way. Despite rising tariffs, they still remain minimal, which undoubtedly attracts users. In the future, OKPAY has every chance to take a leading position, because only here it is possible to work in parallel with three different currencies.