Which is better - "WebMoney" or "Yandex.Money"? Choosing an electronic payment system for active use is not as easy as it seems. Today we’ll talk about the most famous virtual wallets. What pros and cons do they have? How to get started with each resource? What is better to give preference? The answers to all this and not only will be surely given below.
Description of Services
Which wallet is better - WebMoney or Yandex.Money? Understanding this issue is not so easy. Each user decides what is more convenient for him to use. Next, we will consider the strengths and weaknesses of each service.
In any case, the proposed resources are electronic payment systems. Virtual wallets that are convenient to work with. Registration for them is completely free. Anyone can use the services, but it is better to create an account here after adulthood - this way all the possibilities of payment systems will be open to a person.
Currencies with which services work
Which is better - Yandex.Money or WebMoney? It is worth paying attention to what currencies each service works with. This is an important point.
Yandex, in the form of the main settlement currency, uses the Russian ruble. Therefore, this wallet is perfect for payments in Russia. The service does not work with other currencies.
WebMoney in this sense is considered more universal. This wallet uses the following types of currencies:
Accordingly, it is convenient to use this service everywhere - in Russia, and Kazakhstan, and Ukraine, and in countries where they accept dollars when making transactions.
Security
Which is better - "WebMoney" or "Yandex.Money"? Comparing these payment systems will help clarify the situation.
Both services work with money and personal information of users. Therefore, wallet security plays a huge role.
WebMoney is the leader in this area. The developers of this service took care of ensuring data security. To enter the system, the user will have to enter a unique PIN each time sent to a mobile phone or mail tied to a wallet.
At Yandex, some operations provide for the indication of a transaction confirmation code, but for authorization it is enough to specify the mail address and password from the profile.
Important: Yandex.Money uses the Yandex mailbox to work with.
Account replenishment
Which web wallet is better - Yandex.Money or WebMoney? Some are interested in the simplicity of replenishing an account, because without money you can’t work with services in any way.
In terms of replenishment, Yandex has more advantages. This service works with most banks. The wallet balance can be replenished without any problems through some bank terminals and ATMs. Payment terminals like "Qiwi" also help replenish the user's account. You can transfer funds to Yandex.Money from your wallet and bank card as soon as possible.
WebMoney has similar methods of replenishing an account. The difference lies in the fact that this wallet charges a rather big commission for transferring funds to the account. Yandex sometimes allows you to fund your account at no additional cost or at minimal cost (up to 3% of the transfer amount). WebMoney commission can reach 10%. It all depends on the chosen method of depositing funds.
Transaction fee
A comparison of WebMoney and Yandex.Money will help you figure out which wallet to work with. It is worth paying attention to the transaction fee.
Yandex may either not charge for operations, or payments include a commission of about 2-3%. For example, when paying for utilities through this wallet, you will have to pay an additional 2% of the transfer amount for one account, but not less than 30 rubles.
Operations through WebMoney provide a commission of 0.8%. In some cases, it reaches 3%, and once absent altogether.
Based on the foregoing, we can conclude that Yandex charges less money from its customers for operations. Especially if you do not use this wallet to pay for utilities with large amounts.
Withdraw funds
Which is better - "WebMoney" or "Yandex.Money"? Another important point is the withdrawal of funds from the system.
Many users indicate that Yandex offers more options. Especially if funds are needed urgently.
Money for WebMoney can be obtained:
- to a bank card;
- through payment systems like Contact.
If desired, you can attach your bank card to WebMoney. Then withdrawing funds will be a minimum of trouble.
Yandex.Money offers more options. They can withdraw money:
- to a bank card;
- transfer funds to a user’s bank account.
Funds are not withdrawn through Contact payment systems, but users are offered a more convenient option - using the Yandex.Money branded card. With it, you can make payments in stores like ordinary bank plastic. No additional transactions - the card account is a wallet account!
Accordingly, users can easily withdraw money from the Yandex card at any ATM. A small commission is charged for the procedure (maximum 165 rubles). With full identification, users can withdraw funds without commission. Some ATMs allow cashing of money without additional payments all the time.
Support service
Which is better - "WebMoney" or "Yandex.Money" in terms of customer feedback and support services? Reviews about the services offered were divided.
Some claim that WebMoney has a support service that works quickly and efficiently. Issues are resolved in a few days without much hassle. And therefore, you can rely on the feedback from the administration of the service.
Someone says that WebMoney creates a lot of problems when contacting support. Answer a long and stereotyped. There are no clear answers to some questions. It really happens, but not too often. No one is safe from such situations.
About Yandex, too, they say differently. Some users complain that their problems are resolved for a very long time. Like WebMoney, it’s impossible to achieve clear answers to some questions.
Nevertheless, more and more often Yandex has received positive feedback about the work of the support service - all the news can be read directly on the wallet website. If you have problems, contact the administrators at the proposed contacts. Pleased with the availability of feedback on social networks - with their help, issues are resolved in a day or two.
Promotions and bonuses
So what is better - WebMoney or Yandex.Money? Individual users are interested in promotions and bonus programs of payment systems. Are there any
WebMoney has no particularly interesting and useful promotions. Yandex.Money offers its customers more options - certificates for discounts in different stores, bonus programs, and a cashback for certain expenses. All this attracts customers! Information about current promotions can be found directly on the wallet page.
What to stop at
So which wallet to choose? It all depends on what users want to do. Yandex.Money is perfect for shopping in Russia. This service provides for some restrictions, but if you fully identify the user, you can get rid of them. WebMoney is perfect for international transactions.
Some users open 2 electronic wallets at once and connect them with each other. This is the best solution. Only after testing both payment systems in action, users will be able to decide what suits them best.