Webmoney is one of the most popular electronic payment systems in the territory of the former USSR. Many people, especially those who make money on freelance exchanges, use this system as the main way to withdraw electronic money. There are several user certificates in the system, the most common and easiest to receive is a formal Webmoney certificate.
About system
Webmoney electronic payment system was founded in 1998. Over the next twenty years of its existence, it was able to firmly gain a foothold in the market and become one of the most popular payment systems in Runet. At the moment, the system has about 36 million users. According to social surveys, about thirty percent of Russians use Webmoney as their main e-wallet.
Types of certificates
When registering, each new user in the system receives a kind of digital identity card, the so-called certificate. By default, the system automatically issues an alias certificate. This is a certificate of the lowest level, to receive it you do not need to enter your personal data or provide a copy of identity documents. However, with such a level of certification, the user is faced with a huge number of restrictions, the most unpleasant of which is the inability to withdraw funds to a bank card or other electronic wallets.
Therefore, immediately after registration in the system, if you plan to use an electronic wallet, you should take care of obtaining a formal Webmoney certificate. You will learn about the benefits and limitations of this level in the following sections.
If you are not completely satisfied with the system restrictions for users with a formal certificate, Webmoney provides the opportunity to obtain a higher-level certificate.
In total, in the system at the moment there are 12 varieties of certificates, however the most common are initial and personal. They are issued to the user for a fee, after checking his passport data by a special authorized employee of the system or after a personal meeting with him.
Such certificates are needed primarily for those who plan to deposit and withdraw large amounts on a monthly basis, as well as receive loans in the system and conduct transactions with other users. Many other certificates (seller, developer, payment machine and others) are issued to the user automatically along with a personal certificate.
Advantages of a formal certificate
The most suitable for the average Webmoney user will be a formal certificate. Obtaining it is quite easy, you do not need to pay for this procedure, and the limits for depositing and withdrawing funds are suitable for many novice users of the system.
In addition, with a formal Webmoney certificate, it will be much easier to restore access to the profile in the system in the event of a password loss or a page hack.
In addition, obtaining a certificate of a higher level is impossible without a formal certificate, therefore, the procedure for its registration is almost mandatory for any active user of the payment system.
How to get the
How to get a formal Webmoney certificate? Everything is very simple. You need to enter your profile in the system and click on the "Get a certificate" button. After that fill out the form. When filling out, you must be extremely careful, especially when entering the series and passport number, because an error in personal data can significantly complicate the procedure for obtaining a certificate.
It is necessary to enter the information exactly, as in the passport, letter by letter. If the user wants to hide the contents of certain fields from other users of the system, he has the opportunity to do this when filling out the questionnaire.
After filling out the questionnaire, the status of the user’s certificate will change to “formal”, but recently, using the Webmoney formal certificate without a passport, or rather a photo or scanned copy of it, is completely impossible. In particular, the withdrawal of funds from an electronic wallet to a bank card will not be available to you.
Data checking
To verify user data, you need to upload a photo of the first page of the passport and the registration page. In addition, you need to provide a photo of the TIN certificate. Citizens of the Russian Federation can also confirm the accuracy of the information provided using the public services portal.
After one or two business days, the user should receive a notification about the successful verification of data and the receipt of a formal Webmoney certificate. If the information in the questionnaire and in the photograph of the documents does not match, then the profile may be blocked due to suspected fraud.
In addition, before registering, it is very important to be sure that no other profile has been registered on your passport data in the system, otherwise your new page may also be blocked.
Opportunities
In the presence of a formal Webmoney certificate, the user has the right to withdraw funds to bank cards, electronic wallets in other payment systems, using bank payments and post offices, as well as deposit funds to his wallets in payment terminals and instant recharge points.
In addition, he has the opportunity to carry out transactions in a special section of the WMExchanger exchange, where exchange of title characters between users takes place, and use WMX title marks, the guarantor of which is Bitcoin cryptocurrency.
Limitations
However, there are limits to the formal Webmoney certificate. The total volume of financial transactions per month is currently limited to 200 thousand rubles, 10 thousand dollars, 10 thousand euros and 80 thousand hryvnias. For most individuals, this should be enough, but not all may be satisfied with such restrictions.
Also, the formal certificate is essentially anonymous, since it is not difficult for fraudsters to find a database with stolen photos of documents and register a new page in the system. Therefore, the trust in users with this type of certificate when making transactions can be quite low. It is almost impossible to get a loan with a formal Webmoney certificate both from the automatic system device and from other users. In rare cases, it is possible to get a loan, but the interest rate and terms of the loan are unlikely to be as good as for holders of higher level certificates.
Nevertheless, if for you Webmoney is not a platform for earning money and not a means for doing business, but only a payment system for withdrawing funds from freelance exchanges or other sites on the Internet, a formal Webmoney certificate can be an excellent choice due to its ease of receipt and relatively wide selection advantages.