The number of electronic payment systems is periodically increasing. Electronic money is gaining popularity, because today people prefer to buy goods and pay for them via the Internet. That is why in recent years Qiwi has become the most sought after system.
However, many Internet users are wondering, Qiwi Wallet - what is it? So, this is the user's personal account on the Qiwi service, through which all payments and money transfers are performed. You can pay using an electronic wallet, almost everything: utilities, goods, loans, fines and much more.
Common Banking Systems
Thanks to the rapid development of Internet technologies, almost all financial transactions are carried out digitally. However, to carry out such actions, it is necessary to turn to special organizations, which may be banks if they have an electronic Internet banking branch.
Many people are accustomed to using the most common and most established ones in the field of banking services and transfers, bank transfer systems or operations, which are:
- Qiwi;
- Webmoney;
- Yandex. Money;
- PayPal
- Payer
Many modern financial organizations carry out money transfers and loans on the Internet. However, it is the above list that is most secure for translations worldwide.
Qiwi Wallet: what are these and the main features
QiwiWallet is a financial institution for transferring funds to cards and bank accounts. With the help of this organization, a large number of money transfers can be made. The basis of work with the service is the availability of an electronic wallet, without which it is impossible to carry out any financial transactions.
How to use an electronic wallet?
A Qiwi Wallet wallet is a personal account of a client of this financial platform, which contains all the money. The wallet exists only in electronic form on the website of the banking system. If you need to cash money or pay it in stores, you need to create an application for a name card from the organization. This provides an opportunity to freely use the funds available on the client’s electronic account.
In order to use the wallet, you must perform the following series of actions:
- Register in the system. The registration process is quite simple. Qiwi Wallet only registers with a mobile phone. The Qiwi Wallet wallet number is equivalent to the user's mobile phone number. However, it should be borne in mind that both the number and personal data must be real, otherwise you can be left without invested funds.
- After filling out a simple registration form, the robot must send an SMS message with a special code. A similar procedure is mandatory in order to verify the accuracy of the entered mobile phone number and its owner.
- After successful registration, you should enter the site. This is done quite simply. Need to find the Qiwi Wallet input button. A special window will open in which you will need to enter registration data.
- Then you can work with the system: withdraw or deposit funds, pay for services, make money transfers and other actions.
Qiwi Wallet is the most convenient platform for registering an account, which does not take much time and does not require much effort. The system of financial transfers and operations has convenient functionality. Logging in to your Qiwi Wallet account is quite simple. After entering the login and password correctly, the user is in the personal account, and not on the main page of the site. This arrangement is quite convenient so as not to click on the input buttons and personal account several times.
Work with the Qiwi terminal
After successful registration, many users will be interested in various cash transactions. For some, it remains incomprehensible to work with the Qiwi Wallet terminal - what it is and what are the main features. Using the terminal, you can either deposit money on a Qiwi card or electronic account, or withdraw it. In addition to terminals, you can perform similar actions by electronic transfer from any payment system.
Many people prefer to use credit cards to replenish their electronic account. However, the advantage of using the terminal is the absence of a large percentage of the commission for transactions. The commission replenishment for any card is equal to zero in the case of a transaction through the device, which belongs to the Qiwi Bank system. In other cases, a certain percentage is charged.
Features of VISA QIWI Wallet
For several years, Qiwi has been negotiating to work together with VISA. The negotiations were successful, now every holder of Qiwi wallet has VISA status. This is especially true for those who have a issued card, which can be calculated in any country in the world. This is the main advantage of Qiwi.
It is worth noting that using VISA Qiwi Wallet you can pay not only with a card, but also directly through the electronic wallet itself. There is also the possibility of withdrawing cash from the card using any ATM, however, you need to clarify the commission for withdrawing cash.
Main advantages
VISA card has several advantages:
- there is free sms-informing about the withdrawal or replenishment of the card.
- no commission is charged when making purchases in stores (not sponsors and partners);
- upon receipt of the card commission is charged once. So, when receiving by mail, the service costs 100 rubles, the service by express mail - 425 rubles;
- card issuance takes place only in electronic form, and qiwi company fills in registration data and card registration in the bank;
- internal transfer between wallets and to the card is made without commission;
- the ability to track the status of the account using a mobile account;
- cash withdrawal at any ATM in the world;
- zero commission when using a wallet to pay for any services.
It is worth noting that relatives can also use a VISA card.
It remains only to clarify: what is Qiwi Wallet? Why is this feature an undeniable advantage over the main competitors?
Card disadvantages
A VISA card has not only advantages, but also disadvantages that must be considered before sending an application for its execution.
The list of disadvantages:
- One of the disadvantages of using this card is the commission when withdrawing funds. The commission is 2% + 50 rubles.
- When requesting a balance check through an ATM, the commission is 15 rubles.
- Charge in case of transferring funds to a Master Card or Visa. The commission is 2% of the transfer amount, and a commission for bank services is added.
- There is a limit on cash withdrawals on the card. Withdrawals of more than 100 thousand rubles per month are not carried out.
- Card extension not provided for.
- The established withdrawal limit will be distributed to all cards issued by one client.
- A limited amount of replenishment of the card is provided: per month no more than 15 thousand rubles.
Finally
Given all the advantages and disadvantages, you can use both a wallet and a card. You can use it exclusively with an electronic wallet without binding a plastic card. The VISA Qiwi Wallet electronic wallet is convenient with its interface and functionality. The service also provides an opportunity to make an urgent loan of funds. However, the percentage for repayment of the debt will be quite disadvantageous.
You can pay with your card anywhere in the world, while the money on the card is always under reliable protection.
The Qiwi electronic payment system is an indispensable assistant not only when making purchases via the Internet, but also the ability to make a money transfer to relatives and friends for the required amount.