Money in the form we are used to - banknotes or coins - is just a small part of it. With the advent of innovative communication technologies and high-level software, a large number of cash transactions have switched to cashless payments. This has affected both the activities of global financial centers and the everyday life of ordinary people.
Modern payment systems receive different reviews. Those that have long established themselves in the financial market have been used for a long time and are so convenient and simple that they are almost invisible. These are, first of all, international payment systems - credit and
debit cards.Real money in stealth mode: bank payment systems
The most famous and popular payment systems in our country are Visa or Master Card. In fact, there are many more, but these have become very widespread in the world and have become leaders in their field. After drawing up a simple plastic card with their logo in the corner, each consumer can pay for goods or services with its help. In addition, cash can be withdrawn at special terminals.
Other payment systems get good reviews too. These are Dinner Club, American Express , etc. They are more used in Europe and America.
Virtual money - electronic wallets and payment systems
An electronic commerce method that differs from the classical cashless money transfer systems appeared with the development of online business and online stores. In order to simplify the process of payment for goods and services in the virtual world, payment systems were created on the Internet, which calculate both in real monetary units and in their analogues.
Such payment systems did not immediately receive good reviews. Problems with some of them periodically occurred to many users. In addition, the exchange of real money for conventional units did not inspire confidence. But over time, this method of conducting financial transactions was appreciated, and among the huge number of payment systems, leading companies stood out in the international arena and domestically. Here are the most popular and famous of them:
- PayPal - one of the best systems in this area, appeared a long time ago and is popular in all countries of the world. It can be calculated in euros or dollars, it is easy and convenient to use it in international operations. But for the inhabitants of our country there are certain restrictions.
- Liberty Reserve. More common in America and Europe. Note that these two payment systems receive positive reviews from citizens of Western countries. Russians work with them a little.
- Webmoney. The most famous and serious electronic payment system in Russia and the countries of the former CIS. Using her e-wallets is convenient and easy, she has won great trust among Russian-speaking Internet users.
- Yandex money. The system, created on the basis of a search engine, has a lot of customers and is successful in Russia.
There are many similar electronic systems, some are developing quite dynamically, while others disappear over time. Soon, funds will almost completely go into the “invisible” zone, and cash will be rare.