 Internet payment systems. Ecash. Accounts on the Internet with E-Gold, WebMoney and PayPal. Free check in, receive E-Gold, WebMoney and PayPal. Instant payments.
E-Gold The system description
WebMoney the system description
PayPal the system description
System E-Gold description
The most popular method of payment through the Internet most often applied at accounts. Time of transmission of payment makes 1-2 minutes. Basically foreign Internet users register payments using this system.
E-Gold Is an international payment system created in 1996 company Gold and Silver Reserve, Inc., which money resources, are enclosed in precious metals: silver, gold, platinum and a palladium. This feature does e-gold especially effective for realisation of cross-border payments as bills of users are not pegged to what or the native currency.
Opening the bill and purchasing e-gold, the client as though, purchases the precious metal sampled by it on a market value and lodges in CS&R. Thus, one of the greatest dignities e-gold is realised, it is security of client bills in e-gold from judicial encroachments. It is necessary to note at once in spite of the fact that your bill will be protected from claims of third persons, the bill can be blocked administration e-gold, in case of detection of any wrongful acts of you. (Building of pyramids, a deceit, etc.)
E-Gold it is possible to carry following possibilities to other advantages:
1. To make effective accounts between clients. By transfer of money resources in e-gold from one participant to other, actually there is a redistribution of the rights to precious metal physically stored in the same place.
2. As already it was indicated above, protection of a means of clients, against judicial claims from third persons. Under the legislation of the USA, namely there there is a bank, the assets which are on storage, cannot be object of judicial claims.
3. Internationality. E-Gold an open system, it does not divide people on "black" and "white", therefore any person living worldwide can open the bill in e-gold. Compare it with Paypal.
4. Anonymity of setting up an account. E-Gold will not check up given entered by the client at setting up an account. However, not clearly how long to last, eat it some probability, that in peak of struggle against terrorism this possibility will cover or hardly will complicate.
5. Ease in management. All operations in e-gold are carried out by means of a browser, there is no necessity to mount the additional software.
6. Amenity in the organisation of reception of payments. For this purpose it is enough to place on your site the standardised form for reception of payments, to change necessary parametres and everything, your Internet shop it is ready. Also there is a possibility to spend mikro-pay, i.e. you can quite sell the goods for shares of cents.
7. The low commission. For each transaction e-gold levies 1 % from the sum, but it is no more 50 cents. For example: you have translated $500, the commission e-gold will make only 50 cents. It is levied from the acipiens during a funds transfer from one bill on other. Compare it with Western Union. Opening of an abacus in e-gold is free!
8. There is no necessity to signal data of your credit card. The numerous exchange offices making a swap e-gold always will help to carry out any operation on inlet, a conclusion and a swap of your ecash: e-gold, WebMoney wmz, wmr, Yandex Money, Slow motion, Rupay, PayPal, StormPay, eBay, Western Union, Wire Transfer.
As defect it is possible to result the following feature of system, time all money resources is placed in precious metals, and their market quotation is not stable, accordingly and the status of your bill not stably and depends on the running run of market of dredges. Metals. An example: you, have entered your means in E-Gold, having selected for storage gold, a week later you have decided to collect them therefrom, however for this time the gold price on the Royal Exchange of metals has fallen to 10 %, accordingly and the volume of your money resources has decreased for the same percent. On the other hand, the gold price can and grow, that now we and watch. So that, purchase e-gold can be considered as some kind of investments into dredges. Metals.
Summarising, it is possible to tell that e-gold is future system, some kind of, the second life of dredges. Metals superseded was from the world markets green dollar, and received the second life on the Internet as instruments of payment.
* At check in do not use mail boxes on free mail servers, especially mail.ru. E-Gold does not send the letter with acknowledgement on check in on such mail boxes, or mail servers disable letters dated E-Gold, including their spam!
To pay the goods and services by means of E-Gold
System WebMoney description
Payment through system WebMoney the fastest method of payment through the Internet most often applied at accounts in Russia. Time of transmission of payment makes 1-2 minutes.
Company WM Transfer Ltd - the holder and the manager of payment system WebMoney Transfer. System WebMoney Transfer exists since 1998. Software developer of payment system WebMoney Transfer is Joint-Stock Company Computing Forces which also carries out system WebMoney technical support.
To become the participant of system WebMoney Transfer, it is necessary to mount on the PC, a handheld computer or a mobile phone the client interface, to be registered in system and to accept its conditions, having received thus the WM-identifier - your unique number. Check in process also provides inlet of personal data and acknowledgement of their reliability through WM-certification service. Each user has the WM-certificate - the digital certificate made on the basis of personal data granted it.
All transaction in system are instant and irrevocable.
Depending on your technical possibilities, working conditions or wishes WebMoney free of charge grants you instruments for job with system and realisation of payments:
- WM Keeper Classic - represents the separate program mounted on the computer of the user
- WM Keeper Light - the web-appendix which does not require installation of the client software on the computer of the user. Results of job are passed in a browser of the user on the protected https-connection
- Telepat - it is intended for realisation of accounts in a real-time by means of mobile systems
Each participant of system has certain business level (BUSINESS LEVEL). BL is public sum the characteristic of a level of business of the holder of the WM-identifier which is calculated on the basis of data about:
- Durations of active use WebMoney Transfer;
- Quantity of correspondents with which the user had transaction;
- Volume of the spent transaction;
- Availability of claims or positive responses to the user
Significance BL can be seen in dialogue of program WM Keeper at job with the concrete counterpart, and also on pages of services of system.
The system supports some types of the title characters supplied with various assets and stored on corresponding electronic purses:
- WMR - equivalent RUR (a purse of type R),
- WMZ - equivalent USD (a purse of type Z),
- WME - equivalent EUR (a type purse),
- WMU - equivalent UAH (a purse of type U),
- WMB - an equivalent of the Belarus roubles (a purse of type B),
- WM-C And WM-D - equivalent WMZ for credit transactions on With - and D-purses
To be registered and free of charge to open the bill in WebMoney
Tariffs
For fulfilment of each transaction (except operations with purses of one WM-identifier at which the commission is not levied) the system levies the tariff at a rate of 0.8 % from an amount of payment, but not less than 0.01 WM and no more than 50 WM for purses of type Z and E, no more than 1500 WM for purses of type R and no more than 250 WM for purses of type U.
For fulfilment of business deals from holders of purses of type D the system levies the commission at a rate of 0.1 % from the sum of each credit granted by them, but not less than 0.01 WMZ.
For operations on inlet/conclusion of money resources in/from systems, the board according to rate applicates of agents (see the table) is levied.
To be registered and free of charge to open the bill in WebMoney
System PayPal description
Payment system PayPal has been based in 1998 by Peter Tielom (Peter Thiel) and Max Levchinom (Max Levchin). It is the private company placed in Palo Alto in California.
PayPal grants the users possibility to accept and send payments by means of an electron mail or a mobile phone with access to the Internet.
American payment system PayPal which is the world's largest (quantity of its users has already confidently transferred for 100 million) since 2007 it became accessible to users from Russia, Ukraine, Kazakhstan, Armenia, Azerbaijan. Earlier, from the former countries USSR, PayPal worked only with users from the countries of Baltic.
To use PayPal to inhabitants of a greater part of the postSoviet space (except for the countries of Baltic which can use all opportunities Paypal) it is possible only for sending payments, i.e. to accept on the PayPal an account of means (for example, for sold on eBay the goods) you cannot. With it to you with pleasure will be helped by the companies-intermediaries or physical persons having Premier the bill.
In the West PayPal acts with the big peak-to-peak. The given system, for example, is recognised for a long time already by a payment means in international auction leader E-Bay.
For independent job with payments system PayPal the plastic card (available for calculations in the Internet) from which a means will act in film is required to you.
To become the user of system, it is necessary for you to fill in the special registration form and to open a personal bill in the given system. I wish to indicate, that here there are some kinds of bills (the personal account, the prime minister of an abacus and business of an abacus) and each of them has certain features. To fill up the bill in PayPal it is possible by means of a plastic card or bank remittance.
Services PayPal
Payment dispatch (Send Money)
In this case, the user can translate the determinate sum from the personal bill in a payment system. Thus as the acipiens any user of the given system, and third persons can act.
For realisation of payment the user fills in the transfer form into which following fields enter: the address of an electronic mail box of the recipient, a field for instructions of an amount of payment, a field for instructions of a surname of the recipient. When the user is ready to make payment, it pushes badge Send Money and the electronic letter is referred to the recipient who under the link in the letter gets on a payment system Web-site where checks out a sum of money.
Request about payment reception (Money Reguest)
Using this type of service, the account holder can refer to the debtors the letters containing request about realisation of payment. For this purpose the user should enter into fields of the special form, an e-mail address of the recipient of the letter and an amount outstanding. Further, as well as in a case with payment dispatch, the payer receives the letter referring to a payment system Web-site. On site PayPal the payer makes out a remittance then the necessary sum gets to account of the user of the given system.
Layout on a Web-site of the user of special purpose tools for reception of payments (Web Tools)
This service is accessible only to holders of Personal premieres and business of bills and it is recommended for use by holders of on-line shops. Thus, the user can place the button on the Web-site, having pushed which the payer gets on a payment system site. There it executes payment procedure (in this case probably use of credit cards) then then again it is reset on a site of the user. The commission for reception of payments makes 1.9 % from an amount of payment.
Instruments for auction trade (Auction Tools)
In this case, the payment system offers two types of service. The first kind - automatic dispatch of requests about payment reception (Automatic Payment Reguest). The second - winners of the auction auctions can pay directly from a Web-site on which auction (Instant Purchase for Auctions) is spent.
The given system very much thinks much of safety of the clients, therefore stored and passed at fulfilment of transactions data, are protected by protocol SSL (Secure Sockets Layer, i.e. a layer of safe junctions), 128-bit and above. But the most important thing, bills of all users of the given payment system are insured on 100 thousand dollars, company Safe Web Insurance from not authorised access and withdrawal of money. Access to an abacus of users is protected by the keyword.
Safety. Warranties for the buyer and the seller.
With a view of maintenance of even greater safety of on-line payments, any owner of the account in PayPal can receive the status checked up (Veryfied) a member of payment system. For this purpose it is enough to undergo simple enough procedure of identification of the bank account. The given process by something bears a faint resemblance to WebMoney-certification.
Thus, if you purchase something from "checked out member PayPal", you, actually, become protected from swindle "the Warranty for the buyer". The warranty essence is reduced to that if you have paid the goods and have not received it you have the complete right to complete reset of the sum. By the way, given warranty extends for the sum of 5 thousand dollars within one year.
In the event that you sell by means of PayPal the goods, or accept payments, being thus "checked out member PayPal", on you protection action "the Warranty for the seller" extends. Such warranty will relieve you of possible unreasonal demands from the buyer to return money.
Speaking about system of charging commission of percent, rather original there is differentiated approach PayPal to holding of the commission from users, depending on a place of their residing. If for inhabitants of the USA the system commission is minimum, say, for inhabitants of Canada it will be the little above. The European commissions will differ considerably from the Canadian. Separate tariffs PayPal regarding commission percent are provided and for whole other countries.
Registration in PayPal
We go on site PayPal.com and at the top of a home page we find the reference "Sign Up" - to be registered.
On the following page to you will suggest to sample your country of residing and a type of a created account. On a choice 3 types are offered: Personal, Premier and Business.
Personal - an account for physical persons (a preferable variant). It is intended for users who mainly make purchases and seldom accept payments.
Premier - an account for physical persons whom it is equally frequent, both send, and accept payments.
Business - an account for the legal person. It is offered, as package solution on reception and dispatch of payments. The multiuser access to an account is realised.
Having sampled a type of an account and the residing country, having pushed "Continue" you will get on page where to you personal data will suggest to enter. Enter attentively.
The form is simple enough and with its filling of problems to arise at you should not. Unique advice which can be given: try that a writing of personal data in this form in accuracy coincided with what you used at registration of a plastic card. It is not obligatory, that addresses coincided - your running address and the address on which the map is issued (Billing Address) can differ.
Post termination jobs with the form, press "Sign Up" and if all is entered correctly you will transfer to the following page if there are errors - correct them again push "Sign Up".
On following page to you will suggest to enter requisites of a credit card which will be used at job with PayPal. You can make it later and gate through the given stage of check in. If on your map there is no means (at least vapours of dollars) that also it is necessary to postpone its inlet since PayPal cannot spend authorisation at which it "freezes" the sum of $1 for some time (20-30 days).
First Name - your name.
Last Name - your surname. Try, that their description coincided that are indicated on a map.
Card Type - a type of your credit card (Visa, MasterCard).
Card Numer - number of your map. Is found successively without spaces and a dash.
Expiration Date - map period of validity. It is normally indicated on a map.
Card Verification Number - verification a code (also it in abbreviated form name CVV2). These are 3 last figures on the back maps. If there were difficulties: push the link "Help Finding your Card Verification Number". If number on a map is not present - it is necessary to call in the bank emitting your map and to learn it.
If your map is successfully authorised or you have decided to enter it will ask to execute the following step of check in later or even if it has been deflected you: to confirm yours email the address which has been indicated in the registration form. For this purpose it is necessary for you to find letter dated PayPal in an electron mail and to follow on activate to the link.
Then, for high-grade job PayPal it is necessary for you to verify your map. It is desirable to make it as soon as possible.
Verification of credit card Visa, MasterCard, Discover, and American Express.
Having authorised on site PayPal you will see the link "Enroll in Expanded Use". Process consists in the following: from your map $1.95 or €1.50 (this money is reset subsequently to you on balance Paypal of an account, instead of on a map) act in film.
Then, in the statement of operations on a map, in component parts of this payment you find 4-place code (component parts of payment of payment will look approximately so: "1234PAYPAL - *EXPUSE", the first 4 figures - your code) which needs to be entered on site PayPal. Learn this code you can by means of on-line banking or a bell-button in transfer the bank centre, having received the statement of operations on a map. To verify a map it is desirable at once after account check in. Special difficulties it, as a rule at anybody does not call.
Verification of bill PayPal
At any moment (irrespective of, you verified a map or not) you can receive letter dated PayPal where there will be an advice from volume, that the turn-over on your account is limited by a limit "is limited" is means, that the turn-over is limited by the determinate sum (for example $200 a month). These unpleasant sanctions are applied very often even to users from the USA, Canada, Germany etc. with which PayPal works already many years.
To remove this limit to you copies of documents confirming your person and the address will suggest to refer by fax. It can be made on mail. In many post offices there is a service "dispatch of a fax abroad".
Passport copy (if is not present oversea it is possible civil + a residence permit).
Necessarily Utility Bill are copies of bank accounts (the bill for a clod. Services, etc. - bills for a cellular telephone they do not accept phone, the Internet, about what there is a prevention), statements of bank, the statement on a map. Where there should be you a name and a surname, the address (should coincide with what you have indicated at check in). Several pieces will suffice.
At first, before referring a copy of documents on number of a fax which to you have sent, it is necessary to unpack and fill in so-called Cover Page - page which is granted PayPal. It is done for safety reasons. At dispatch of documents this page departs the first - it your identifier. Receive this page you can having authorised in PayPal and having come in "Resolution Center" to follow under the link "Fax Documents" on page "Limited Account Access Details". To fill in this page simply:
Pages - quantity of pages which you send, including this.
Phone - your phone number
Enter a new email if the one listed is outdated - new email the address if indicated at check in does not work.
Comments - comments. Transfer the list of documents sent by you, and also write everything, that consider it necessary.
PayPal will consider the copies of documents presented by you and will send the answer: or an account verify or will respond, that a little and additional documents will ask to send data.
To be registered and free of charge to open the bill in PayPal
To pay the goods and services by means of PayPal
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