Purse payments and transfers in two clicks. Electronic wallet: which one is better to choose? For individuals

If you are planning to make money on the Internet, you will certainly be interested in ways to get money. After all, in this case you do not meet with the employer (customer) in person: all operations are carried out remotely, banknotes do not change hands. In this case, you will have to resort to the help of electronic payment systems and come to terms with the idea of ​​the need to register in any of them. In addition, EPS can be used to transfer funds over any distance, pay for all kinds of services and goods ordered in online stores. IN modern conditions it is not only very convenient, but also as safe as possible. The presence of an electronic wallet (or better several) greatly simplifies life. Proven in practice!

History of electronic payments

The forerunner of all electronic payment services (EPS) is considered to be Western Union, founded back in 1851. Its main activity was focused on the unification of financial institutions throughout the United States. Already two decades after the start of work, the company had an extensive communications network that connected the banks of the United States from the Atlantic to the Pacific. It was then, in 1871, that the first remote payment was made through telegraph communication. He laid the foundation for non-cash financial transactions throughout the world.

A qualitatively new leap forward was the creation of the first PS on the Internet that used digital cash. The pioneer in this area is the E-Gold company, which has developed not only a system of transactions, but also software to her back in 1996. It still exists today, using a troy ounce of gold as a unit of calculation, that is, a really secured digital cash. However, in recent years, the company's affairs are by no means rosy.

E-Gold did not have a monopoly in this area for long: its innovation provoked the birth of many XPS around the world. They came to Russia already in 1998 and over two decades connected tens of millions of individuals and legal entities. The pioneer, firmly entrenched in the domestic market, was the well-known payment system WebMoney, but the Russian giant Yandex.Money is catching up with this company by leaps and bounds.

Why start a virtual wallet?

Conducting financial transactions in modern conditions without using the Internet is unthinkable. Cash is needed, perhaps, for school and kindergarten fees and the purchase of goods in the market. In all other cases, crunching banknotes is not necessary: ​​there are bank cards, there are electronic wallets.

Web wallets are a kind of storage of funds for users of specific services, essentially similar to bank accounts. They can be replenished in every possible way: from a card, terminal, through partner organizations, and so on, the withdrawal options are also very diverse. Inside the PS, you can make all kinds of transactions, including transfers of funds between accounts. Most freelancers get profit in this way: it is convenient and does not involve unnecessary intermediaries in their activities.

If you seriously decide to make money online, you will have to create at least one virtual wallet. A few are better: at the peak of your career, you will have to work with several customers, perhaps from different countries, and it will be a shame to miss out on profitable offers only because of the impossibility of making a payment. The fact is that not all PSs actively cooperate with each other: for example, it is difficult and expensive to transfer money from Yandex to WebMoney and vice versa: the main competitors in the Russian market do not get along too well with each other. But not very popular payment systems usually cooperate with giants: otherwise they will not survive in the fierce competition.

Advantages of electronic payments

Registration of accounts and use of EPS both for work and in Everyday life, has a lot of advantages:

• Performance. The registration procedure takes a maximum of 10-15 minutes. It takes some time to check documents, but here we are talking about user safety. But after the account is verified, transactions within the systems are made almost instantly, regardless of distances and borders. Funds are transferred across thousands of kilometers instantly.
• Simplicity. Almost all services are arranged as simply and thoughtfully as possible. Developers are vitally interested in increasing the number of users, so they focus on people with minimal user skills.
• Benefit. In most cases, making purchases in online stores using electronic money is much more profitable than doing it in real outlets, paying with cash. As an added bonus, you get the opportunity to control your own finances down to a penny - no additional records are needed for this.
• Extensive functionality. The more branched and popular the payment system, the more opportunities it provides to the user. Through many services, you can make payments for utilities and other services, pay fines and taxes, repay loans and borrowings. Inside the PS, an online exchanger can be built in, the possibility of online lending or automatic deduction of fixed amounts to certain accounts is provided.
• Security. Almost all reputable services have multi-stage security systems. Some of them are provided by services for all users by default, others are configured optionally. Almost all transactions require additional confirmation in the form of codes that are sent via SMS, e-mail or using the innovative E-num authentication platform.

The most popular payment systems

On the this moment Runet users can use the services of two dozen Internet services of this type of varying degrees of popularity. I will list the most commonly used EPS in Russia.

- one of the oldest and most authoritative EPS, created back in 1998. Now about a third of electronic payments in Russia are made through this platform, and the number of users in the world is confidently approaching forty million. The technical support service and the head certification office are located in Moscow. Certification centers and guarantor banks are available in almost all countries.

Settlements within the service are carried out using the so-called "title units", equivalent to the currencies of various countries (WMR - Russian rubles, WMB - Belarusian rubles, WMZ - dollar, WME - euro, and so on). Title units in Russia are de jure not electronic money (that is, they do not have the appropriate security), but they are successfully replaced. In the European Union, "WebMoney" have the appropriate legal status and are used in financial transactions everywhere.

After registration in the payment system, the user is automatically assigned the lowest passport, "anonymous". It is followed by a formal passport, which requires filling in personal data fields (the fields are filled in, but documents are not checked). Obtaining an initial passport requires uploading scans of documents. The most popular VM certificate is personal. It can be obtained at the certification center in person, upon presentation of identity documents, or by sending their notarized copies. The highest level, the registrar passport, allows you to certify new users and conduct exchange transactions.

At the moment, for most payments, a commission of 0.8% is provided. However, when making transactions between participants with a level not lower than the initial one, no commission is charged. In addition, it is possible to make payments under protection: the transfer amount is blocked in the system and credited to the user's account only after entering the code.

- a popular payment system that is a worthy competitor to WebMoney. The resource was registered in 2002, but the user interface, close to modern, appeared on it only three years later. This EPS is certified and makes payments with electronic money equivalent to the Russian ruble.

Today in Russia this EPS is the most popular (over 30 million wallets). It is focused on mutual settlements in Russian rubles. With the help of Yandex.Money, it is convenient to pay utility bills, repay loans, pay taxes and fines, and make other tranches. The system also has its own payment aggregator, Yandex.Checkout, which is currently the best in Russian business: it serves the majority of domestic web resources. And not only domestic ones: since recently, Yandex.Checkout has also been connected to the Chinese site Ali-express, which is in great demand in Russia.

Another advantage of this EPS is the availability of its own cards, both virtual and real plastic ones. In other words, there is no need to transfer money from the wallet to the card: the balance is replenished automatically.

The payment system assumes several user levels based on degrees of identification. Maximum amount opportunities are provided with full account verification. The simplified procedure is available exclusively to citizens of the Russian Federation.

- Another popular EPS, often used when making online payments. Unlike the aforementioned systems, Qiwi provides for identification and linking to a wallet via a mobile phone. It was launched in 2007, and the number of users is growing every year, exceeding an impressive mark of 20 million this year. Initially, Qiwi accepted payments for other EPS, but four years after its formation, it went on an “autonomous voyage”.

Kiwi is perhaps the most modern Russian platform of this type: in the conditions of the highest competition, it is forced to go one step ahead and instantly introduce global innovations. It has an extensive network of terminals and traditional payment acceptance points, provides maximum opportunities for depositing and withdrawing funds. Qiwi is the first-born among domestic payment systems that have implemented blockchain technologies. It also has its own financial institution - Qiwi Bank.

Using this platform, you can pay for a communal apartment, fines, taxes, air tickets, travel services, participate in charity. A significant promotion of the resource was also facilitated by the release credit cards with very attractive conditions for customers.

is the largest international EPS, widely represented in Russia. It exists and has been actively developing since 1998 and currently serves customers in more than two hundred countries around the world. The head office is located in the USA. The “parents” of the system were several advanced students, including ex-Russian Max Levchin, who later played a significant role in the development of Facebook.

For four years, the company developed almost independently, but in 2002, PayPal merged with the colossus, gaining access to its multimillion-dollar customer base. However, the merger was temporary: now the companies, although they are partners, de jure retain their autonomy.

The advantages of the payment system include ease of registration with many degrees of protection. Confirmation of the user's identity occurs through the card linked to the account: a certain amount (about $ 2) is first deducted from it, then returned again. When making purchases, all commissions are borne by the seller: senders of payments are exempt from them. At the moment, for transactions in Russian rubles, a commission of 3.9% + 10 RUB is provided, for conversion - from 2.5%, however, the transfer of Russian rubles to a bank account does not provide for commissions. Operations within Russia in Paypal are carried out exclusively in national currency. There is no possibility to confirm the completed payment, but you can withdraw the transferred funds from the recipient's balance at any time.

is a world-class electronic payment service registered in Georgia in 2012. The company's activities are carried out under the license of the National Bank of Georgia, which has international status. The company also operates in Russia, having its own representative office in Moscow. At the moment, the system unites about 10 million users.

This electronic payment system is developing intensively, finding original ways to stand out in the competition. For example, the Payeer exchanger is currently one of the most popular in Russia. Two main factors contribute to this: a small amount of commissions (2%), as well as the absence of the need to register for currency exchange.

Recently, Payeer has become the issuer of its own cards of the most popular MasterCard format, the withdrawal of funds from which is possible without commission. In general, depositing funds into the EPS does not provide for commission fees, however, they may be charged by a third party (for example, the bank that issued the card with which the transaction is carried out).

The EPS has three user levels. The first is assigned automatically from the moment of registration, the second - after passing the identification, the third is intended exclusively for legal entities. Even the first level makes it possible to perform actions within the system, however, it limits the deposit and withdrawal of funds. Registration is carried out by entering personal data, including address Email. A PIN code is sent to it for most transactions. The EPS provides several degrees of protection, some of which are optionally connected by the user.

- a multi-tasking payment system, presented by the creators from Johannesburg (South Africa) in 2000. The company is currently headquartered in London. The Single Wallet appeared on the Russian market in 2007.

EPS has more than a hundred ways to deposit funds and has its own payment aggregator. With Wallet One, you can pay for goods and services, top up your mobile phone balance, pay fines and taxes. It's nice that the commissions are quite tolerable: 1-3% depending on the operation, and some manipulations with accounts are generally free of charge.

I would like to note the intuitive usability of the resource, focused on the user with minimal skills. It is possible to create templates, as well as make transfers with protection codes.

- a solid payment system with wide functionality. It is focused mainly on business and mutual settlements between legal entities, but there are no restrictions on the presence of ordinary individuals in the EPS.

"Rapida" has extensive functionality and a comfortable user interface. Many online stores and the ERIP system cooperate with it, which means that users will not have problems with paying utility bills, communication services, taxes, fines and other fees. The possibility of transferring funds both within the service and to third-party wallets is also well thought out. At the same time, EPS allows you to create custom templates and set up regular payments. You can use the attached phone number as the user ID.

The commission for transferring funds to bank accounts (including card accounts) is 5%, but for other operations in favor of Russian financial institutions, it is reduced to a democratic 3%. Transfers within the system involve a fee of 0.5% of the total amount.

- the brainchild of mainly Ukrainian programmers and financiers. It was created back in 2002, and Russian specialists also had a hand in the birth of this payment system. At the moment, the platform is owned by nine different individuals who manage the holding as shareholders. This allows EPS to operate in many countries of the world.

The platform has an extensive network of terminals and partner organizations. Its services are used by more than 7 million citizens in more than 60 countries around the world. The main clients of the service are legal entities: the reason is very attractive conditions and comfortable connection of the online cash register.

The official resource of the service is justifiably proud of its well-developed interface and very perfect protection of user data. The procedure for registering and verifying data has been simplified to the limit, but, oddly enough, not at the expense of security. Verification of documents and identification of the user is carried out a maximum of the next day after registering an account.

is a payment system that has been used for electronic money transactions around the world since 2007. It focuses on payment security and maximum protection of personal data, which attracts users to it. different levels and type of occupation. The company is registered in Panama, but the management and technical support is carried out from Zurich. Identification settings are carried out by the user himself, up to the use of unique code cards.

Users of the service are as anonymous as possible. The first user status, Normal, assigned automatically after registration, already allows you to use all the functionality of the platform. The privileged level is focused on servicing the VIP class (for example, no restrictions on the amount of transactions, priority tranches), and there are many such users in the system. A user within one account can create up to six wallets, as well as attach affiliated subaccounts to it.

Perfect Money operates with the equivalents of two of the world's most authoritative currencies: the euro and the US dollar.

is a fairly popular financial project aimed primarily at legal entities and individual entrepreneurs. It has been successfully operating since 2007 and has its head office in Irkutsk. This is an entirely domestic development, aimed at making transactions in Russian rubles.

This payment system was purposefully created as a transactional platform for web resources. In fact, this is an electronic cash register that is “screwed” to an online store. It allows you to accept electronic payments from plastic cards, bank accounts, wallets of other systems, terminals, mobile phones in automatic mode- lots of options. Withdrawals are made mainly to bank accounts and cards.

You can start working with the system in just 15 minutes from the start of registration. No money is charged for registering and linking the cash desk to the site, and the service fees are quite tolerable.

is an international EPS that has been operating since 2001 (however, for ten years since its foundation, the platform was known as Moneybookers). The head office of the company is located in London. Now, due to a change in the company's policy, this site is also represented in Russia, and Skrill cards are also in circulation, the use of which is impossible in all other CIS countries.

Skrill is a payment system designed primarily for businesses. On this site are registered and ordinary users: for them, using the EPS functionality is practically free (the commissions are minimal). This makes Skrill very popular among freelancers from all over the world, and also makes it a leader in online entertainment.

— a special payment service focused mainly on freelancers. It allows you to accept payments from customers from all over the world with zero commission. At the moment, this platform unites over half a million ordinary users, that is, individuals, and over a thousand companies. It operates in multiple currencies, down to the Hong Kong dollar and the Indian rupee.

The service is relatively young, but rapidly developing. Its distinguishing feature is a fixed commission and many convenient tools. The registration and verification procedure is simple, the security system is modern, there are many applications that give access to the wallet from all gadgets. Now EPayments works closely with Yandex.Money — you can transfer funds between payment systems for as little as 1% of the total amount.

Before choosing a payment service, pay attention to their representation in your country or region. For example, many of the platforms presented here are not available or problematic to use for citizens of Russia, Ukraine, and other post-Soviet powers. Other points are also of practical interest: functional capabilities, methods of depositing and withdrawing funds, commission rates, verification conditions, and so on. It would be useful to take an interest in reviews of the service on independent “reviewers” ​​(in this case, we mean all sites of this type, and not a specific resource of the same name).

And as a final chord, let me give you a few safety tips:

• Especially for work and actions in the EPS, create mailbox with a complex name. It is best to choose a reputable platform like Google or Yandex: there is a guaranteed high degree of protection. Link mail to your mobile phone, in which case you can quickly restore lost access.
• come up with complex password from letters and numbers. You can use a special generator, which will simultaneously become a secure key store.
• Change passwords periodically. Change access codes at least once every six months, and with active use of payment systems - monthly.
• Keep passwords in a safe place. per century information technologies The most reliable store of information is the user's brain. However, it is difficult to remember a multi-character password, therefore it is better to use the old-fashioned option: just write it down on paper and hide it away from prying eyes.
• Customize maximum level security. You can protect every step as much as possible: from logging in to making transactions. Each transaction should require confirmation in any form convenient for you: SMS message, letter to email address, code in E-num.
• Check your computer for viruses regularly. Use paid versions of antivirus programs: they are inexpensive, but they will provide maximum security. You can lose much more on imperfect protection than you can save.
• Never participate in "magic wallet" games or other dubious activities that promise unimaginable profits. All these are fraudulent schemes designed for careless users who forget about the location of free cheese.

Most of the problems in using payment systems are due to the illiteracy or inattention of the users themselves. I hope that my publication today will help you to close knowledge gaps and contribute to the smooth use of EPS in all areas of activity.

Today, the abundance of payment systems allows the user to choose the most profitable, comfortable solution. Every platform in this market has something to offer. Including Ukrainian service. Portmone payment system is a platform for settlements, bill payments, payment for goods and services, interaction between clients.

General information about the system

Portmone LLC began work in 2002 in the capital of Ukraine. The initial task of the service was electronic currency exchange, replenishment of the account in different systems, money transfers.

Today, the company operates at a different level, representing a financial product. The company has launched an active marketing policy. To do this, the company placed advertisements in Kiev subway cars.

The company provides its services to three groups of people:

• individuals (for payment and replenishment of Portmone UA account);
• companies (to receive funds);
• banks (to transfer money and pay bills through terminals, Internet banking, ATMs).

Cooperation with banks

The firm is actively working with banks. It provides services for the delivery of electronic invoices, encouraging users of the system to draw up cards and make transfers from card to Portmone card. The organization cooperates with banks:

Interaction with online stores

Instruction! How to top up a phone (MTS, Kyivstar, Life, Vodafone, Yezzz, TRAVELSIM) (UPD. Since March 9, 2017, it is impossible to top up without a commission). To do this, you will need the data of the "plastic" (number, expiration date and CVV2 / CVC2 code). Having chosen an option from the main menu, you must immediately specify the phone number and the amount of replenishment. After that, the interface of the acquiring bank will open to complete the process.

Benefits of the company's service

Subscribers use Portmone.com electronic delivery and bill payment services because:

1. The service is available to all users.
2. Customers use the site even if there is no money in their personal account.
3. Availability of comfortable tools for different purposes. For example, the fast payment service allows you to fill in the details of two cards and transfer money from one to the other.
4. Replenishment of a mobile phone account in the amount of 5 UAH is available for Portmone mobile, MTS, Life operators.
5. Possibility to pay for Internet, television services, as well as utility bills through Internet banking.

Advice! We recommend that you familiarize yourself with promising payment systems: and.

How to pay utility bills

Popularity is due primarily to convenient transfers for housing and communal services, telephony, and television. They are available without a fee. The platform cooperates with more than 200 enterprises and provides complete reports on debts.

If the company is not in the Portmone database, a commission will be charged for the transfer. Tariffs are fixed: 2% from transfers to budgetary and commercial structures, 5 hryvnias - to charities.

Instructions on how to pay for a communal apartment for the first time: from personal account or with home page select menu " Public Utilities”, and then a label among the proposed organizations (be sure to indicate the region in the list of cities).

In the window that opens, the attributes of the enterprise will already be indicated. It remains to fill in: address, full name, personal account, meter readings, amount. Then you will be switched to the interface of the acquiring bank.

For a verified account, transactions will be saved and offered at the next session. From the personal account, you can set an SMS reminder before the approach of a new payment period. It is possible to store checks in your account and even subscribe to regular receipt of "payments" by mail.

UkrPoshta services are paid. For a quarterly mailing, a subscription fee of UAH 20 (up to 60 pieces), UAH 15 - up to 40 pieces is expected. and 10 UAH - if there are less than 20 "payments"

Authorized visitors can use the option for free during promotional periods.

Commissions and tariffs

You can transfer from a Portmone card to a Visa or Mastercard card of any Ukrainian bank.

Feedback on cooperation

If you read the reviews about the Portmone payment system, you can conclude that the authors managed to create a comfortable system. The resource operates not only on the territory of Ukraine. It is available to citizens of Russia and neighboring countries and provides reasonable rates for many services. Users are attracted by the speed of transferring payments from this service.

For partners

Online stores significantly increase their attractiveness if they offer not only a wide selection of goods, but also a flexible choice of payment methods. Owners online business connected to Portmone become members of the MasterCard SecureCode and Verified by Visa programs.

Innovative technologies simplify the interaction between the seller-buyer and partners:

• payment gateway for websites or their mobile versions, as well as for iOS and Android;
• connection with Internet banking;
• Portmone Invoice application, which allows you to manage your account via SMS or call;
• electronic distribution of receipts, subscription lists;
• Direct-Debit automatic write-off service, based on contracts with clients;
• online bookkeeping in a personal business account.

Often, the payment system holds promotions for new legal partners in the form of free placement advertising banner or links. The undoubted advantage is the high degree of security of transactions, which is confirmed by the positive feedback from many users.

Read also:

Here you can refill your mobile account with a Mastercard, Visa or PROSTIR card online at any time. From Portmone.com you don't need to go to the terminal or the bank, spend your time on the road. Everything you need is a free time, a computer or a smartphone, and with the service of "Automatic payment" you can automate any payment that allows you to forget about routine operations.

How to popovnit phone?

On this site, the following methods of replenishment are available:

1. Without registration. Mobile payment without authorization in the Portmone.com system is characterized by security and simplicity. So, in order to top up the balance of the phone, it’s enough to see the main page of the site, enter the number that you want to top up that amount in the “Repair mobile” block. Next, you need to enter the details of the payment card and click on the "Pay" button. The same process can be repeated by turning the service "Mobile phone update" at the top menu of the site. Vіdminnіst is less in the fact that you can get acquainted with the change of all available operators.
2. Through special office. You can repeat the above described ways of replenishing your mobile phone, but you will be given access to templates, auto payments and SMS payments. After spending an hour to create the template once, you will no longer have to enter the number for the payment.

How to popup mobile through a template?

To create the template, go to the special office and click on the button "Add a rahunka" in the section "Inline rahunki and balance". Then, in the category "Mobile call" language, select the operator that will call you. Now you have to enter a phone number, comment before the template and click on the "Save details" button.

At some point, you can refill the account for the same amount in the "Balance in Companies" distribution. Nezalezhno vіd time doby, pennies zarakhovuyutsya on the balance of the phone mittevo.

The following operators are available in the wallet catalog for updating:

• MTS (Vodafone)
• KYIVSTAR
• Lifecell
• Lycamobile
• Intertelecom
• Yezzz
• TRAVELSIM
• TriMob
• TezGSM
• Travelphone
• GLOBALSIM

For the help of the Purse, you will have an affordable transfer of money, payment of utility bills. You can also. Commission for the service per day.

The payment market does not stand still, constantly developing due to the addition of new services. Some of them can offer revolutionary solutions, significantly simplifying the life of a huge number of people at once, while others make it possible to use the lowest tariffs, while others have a favorable exchange rate within the service, due to which the demand for their services is growing. One way or another, each of the platforms operating in this niche has something to offer its customers.

The same can be said about the Ukrainian service "Purse" (payment system). This is a full-fledged platform for paying bills, settlements in different systems, interaction between customers and online stores, and other areas of services. About what this service is, what advantages and disadvantages it has, we will tell in this article.

General information

We should start with the presentation of Portmone LLC, which began its activities in Kyiv in 2002. Initially, the service was engaged in replenishment of accounts in various payment systems, electronic currency exchange and simple transfers. Money. In the future, the service “overgrown” with a significant number of regular customers, and this made it possible to reach a completely new level.

Today "Purse" (payment system) is a full-fledged financial product that ensures the interests of thousands of customers. The company has recently launched an active advertising campaign by placing its ads in railcars.

Cooperation with banks

The service, judging by the information on the official website, is actively interacting with various banking institutions, providing a range of services. In particular, these include the delivery of electronic invoices issued to customers, making payments via the Internet, motivating system participants to issue bank cards And so on. As indicated directly on the company's website, the partner banks of the system are: PrivatBank, Oschadbank, Raiffeisen Bank Aval, Alfa-Bank, UniCredit Bank and other structures.

Online shopping

As you can see on the company's website, another area in which "Purse" (payment system) participates is the maintenance of online stores. In particular, the system is ready to provide tools for settlements between the client and the seller, providing a reliable connection based on high technologies with the appropriate certificates. All of them meet the highest security requirements in the network, which is documented. You can learn more about the materials on this topic after viewing the information on the website of the service.

Acceptance of payments

In addition to stores, any legal entity can use the tools for depositing funds into the account. To do this, it is enough to connect to the solutions developed by the Portmone company (payment system). These include: automatic payment of bills, payment service through a card or mobile phone, service using a billing system, and more. All this makes it possible to transfer funds without commission, in the simplest way, but at the same time in the most comfortable form for the buyer (client). Due to this, we can say that "Purse" (payment system) is a reliable partner for any business.

Tariffs

The versatility of the company that we describe lies in the fact that it can offer favorable conditions to both banks and companies, as well as individuals who directly use its services. You can verify this yourself by analyzing the information provided on the service website. In particular, in this context, we are interested in the “Tariffs” tab, which describes the “Purse” commission charged for each operation.

And it is formed very simply: for each payment, the client is charged from 0 to 2 percent (depending on the type of operation). In this case, the minimum rate is 1 hryvnia. However, there is also one note on the terms and conditions page regarding the issue of fees. It indicates that the "Portmone" service charges a transfer from card to card according to individual conditions. In particular, it is 1% of the deposit amount plus 5 hryvnia.

Other transactions are also carried out under special conditions. For example, a payment for arbitrary details made by a client will be carried out at a commission of 2 percent of the amount plus 4 hryvnias. Another category is payments to the budget with a commission of 2% (with a minimum of 8 hryvnias).

Subscription fee

Considering systems approach in the provision of various services, the Portmone company, reviews of which we will describe a little further, works for a monthly fee charged to each user on a monthly basis. As indicated on the official website of the service, it is 9.90 hryvnia per month. For this amount, the client receives, firstly, a more favorable commission percentage than that set in other payment systems, and secondly, he is given access to convenient functionality that allows you to easily plan your expenses and indicate all accounts on to be transferred money. In the templates for automatic sending of funds in the future, you can add, as indicated on the "Purse" website, a transfer from card to card.

Service

Why is this system so good that subscribers are ready to make monthly payments for its use? First of all, it is accessibility. Resource administrators have made efforts to make their service permanently available to all users. Firstly, they have entered into agreements with service providers, according to which the client can use the Portmone.com website even if he does not have funds on his personal account. This is useful, for example, if you want to top up your account in order to get internet access again.

Secondly, if you register an account on the "Purse" service, you will be able to use various convenient tools for various purposes. For example, these include quick payments (just fill in the card details of the sender and recipient and click the button to transfer money).

In general, we can say that from the simple and familiar functionality to all of us, the authors of the project managed to make something more convenient and comfortable for work than other similar services and services. This, in turn, attracted customers and made the platform so popular not only in the Ukrainian market, but also in Russia and other countries.

The site that we characterize is really profitable. For a nominal monthly fee, it offers affordable rates. And earlier (according to the promotion) provided, judging by the reviews, the "Purse" service replenishment without commission for two months. True, at the time of writing this article, this proposal has lost its relevance.

Portmone payment system is one of the largest billing platforms founded in Ukraine in 2002. Multilingualism is designed for people who speak Ukrainian, Russian and English. It is possible to work with the portal from anywhere in the world, through Internet banking, self-service kiosks, ATMs. A large list of acquiring banks is connected: PrivatBank, VTB Bank, UniCredit Bank, OschadBank and others.

Service areas are extremely diverse. They are focused on the needs of both individuals and legal entities. Infobusinessmen can organize maintenance of their online platforms, receive money from buyers and clients, and settle accounts with partners. Individuals have access to all personal financial operations: payment and replenishment of accounts, transfer of funds to other persons, shopping.

Benefits of registering

You can use the portal without verification. It is very easy to replenish a mobile account, pay for the Internet or send money to another person from the main page of portmone.com.ua. On the main page, users are offered:

• translations;
• replenishment of mobile;
• public Utilities;
• other services.

By clicking on one of the listed pictures, the user immediately enters a dialog box, where he will quickly carry out the operation using simple prompts.

Instruction! How to top up a phone (MTS, Kyivstar, Life, Vodafone, Yezzz, TRAVELSIM) (UPD. Since March 9, 2017, it is impossible to top up without a commission). To do this, you will need the data of the "plastic" (number, expiration date and CVV2 / CVC2 code). Having chosen an option from the main menu, you must immediately specify the phone number and the amount of replenishment. After that, the interface of the acquiring bank will open to complete the process.

Using the interface one-time, one way or another you have to enter information about yourself. For example, email - for confirmation. If there is a desire to work with the PS further, then it is better to immediately become a registered user. Registration will take even less time and require no more steps than with a simple phone top-up. But it will give you many benefits:

• All information will be saved, which will make the next replenishment possible in "two clicks". This is especially convenient for regular payments to budgetary services.
• Operations will be available even from the phone and voicemail. Even with a zero balance of a smartphone or the Internet, the support service will be able to help replenish accounts.
• The history of all actions, checks, the option to order their shipment by mail in paper form.
• Set up SMS-informing about recurring payments, create templates and reminders.
• Use of promotions and bonuses.

Promotions for newly registered customers are often held at Portmon com ua. For 2017, there is no commission for children's institutions. In addition, the company gives two months of using all the features absolutely free.

For individuals

The Portmone payment system is a huge base for communications. Hundreds of businesses partner with the platform and instantly open access from one point. All you need is to select a company in the menu and the necessary details will generate a receipt. In addition to telecom operators, here you can find:

• a service for paying for communal services in your region (electrocommunications, water utilities, OSBB, etc.);
• Internet provider (Intertelecom, Kyivstar, Volya, Triolan, Lanet, IP.NET, Freenet, FreshTEL, DATAGROUP, NashNet, VegaTelecom);
• distributor (Shopekat.ru, Oriflame, AVON, Zepter, MaryKay, Faberlik, Karcher, Exist.UA);
• a telephony company (Ukrtelecom, Vegatelecom, Domashnytelecom, Chereda PP), television (VIASAT, UA.TV, TEHET TV, XTRATV), satellite communications;
• bank for transfers on a loan or mortgage.
• budgetary organization to pay taxes, fines, legal. costs, educational courses;
• security company (VENBEST-OKHORONA, S.K.A.T.), specializing in alarms, intercoms, engineering);
• game (World of Tanks/Warships/Warplanes, Warface, Steam (Voucher), LOL (League of Legends), G2A Gift Card, RIOT, War Thunder, CrossFire), casino, social network;
• insurance services of leading brands (Knyazha, Oranta, MetLife, Green Card, Renaissance Life, ASKA, Aegon, UNIQA Life, etc.);
• a ticket for a plane, train, bus, theater, cinema, and even a tourist package;
• hotel in any country for booking;
• charitable foundations;
• books, periodicals for subscription.

If the required company was not found, then it is easy to enter the attributes manually in the "Payments by details" section. Entering the data once will be enough to use the receipt the next time you log in.

Instructions on how to connect the card! In order not to add “plastic” every time, you can verify on the site. After adding a Mastercard or Visa in your personal account, you must confirm the action with a six-digit code that will be sent via SMS or on the website of the issuing bank.

You can add several banks - this is convenient for regular payments and money transfers to an external medium or cash withdrawals.

Money transfer

There are several ways to transfer funds. The easiest way is by logging in by selecting your connected PC. Optionally, you can send a transaction notification to the recipient via sms or email, and send yourself a receipt by mail.

Instructions on how to transfer money from card to card without registration! Select the appropriate page on the official website. Fill in the fields: 16 digits, month and year of expiration, CVV (last 3 digits on the back of the plastic). Specify the recipient's number and amount. Confirm the payment through the acquiring bank dialog that appears.

Service terms:

1. Transfer is possible between Visa/MasterCard of any Ukrainian banks (even if the sender and recipient are serviced by different financial institutions).
2. Access any day, around the clock and within half an hour.
3. For the service, the sender is charged 5 UAH. and 1% of the amount.
4. The number of transactions on one account is limited - up to 10 per day and up to 25 per month.

There are also established monetary limits: up to 25 thousand hryvnias at a time, up to 75 thousand - in general per day, no more than 150 thousand - per month.

The purse offers another unique option for sending currency - via SMS notification. It is enough to indicate the mobile recipient, and your friend or relative will independently indicate their details via SMS dialogue or receive cash at the cash desk of the issuing bank.

Terms of use (transfers from card to card) in PDF format.

How to pay utility bills

Popularity is due primarily to convenient transfers for housing and communal services, telephony, and television. They are available without a fee. The platform cooperates with more than 200 enterprises and provides complete reports on debts. If the company is not in the Portmone database, a commission will be charged for the transfer. Tariffs are fixed: 2% from transfers to budgetary and commercial structures, 5 hryvnias - to charities.

Instructions on how to pay for a communal apartment for the first time! From your personal account or from the main page, select the "Utilities" menu, and then a shortcut among the proposed organizations (be sure to indicate the region in the list of cities). In the window that opens, the attributes of the enterprise will already be indicated. It remains to fill in: address, full name, personal account, meter readings, amount. Then you will be switched to the interface of the acquiring bank.

For a verified account, transactions will be saved and offered at the next session. From the personal account, you can set an SMS reminder before the approach of a new payment period. It is possible to store checks in your account and even subscribe to regular receipt of "payments" by mail.

UkrPoshta services are paid. For a quarterly mailing, a subscription fee of UAH 20 (up to 60 pieces), UAH 15 - up to 40 pieces is expected. and 10 UAH - if there are less than 20 "payments" Authorized visitors can use the option for free during promotional periods.

For partners

Online stores significantly increase their attractiveness if they offer not only a wide selection of goods, but also a flexible choice of payment methods. Online business owners connected to Portmone become members of the MasterCard SecureCode and Verified by Visa programs.

Innovative technologies simplify the interaction between the seller-buyer and partners:

• payment gateway for websites or their mobile versions, as well as for iOS and Android;
• connection with Internet banking;
• Portmone Invoice application, which allows you to manage your account via SMS or call;
• electronic distribution of receipts, subscription lists;
• Direct-Debit automatic write-off service, based on contracts with clients;
• online bookkeeping in a personal business account.

Often, the payment system holds promotions for new legal partners in the form of a free placement of an advertising banner or links. The undoubted advantage is the high degree of security of transactions, which is confirmed by the positive feedback from many users.

The billing platform was recognized by the international audit of the PCI DSS (Payment Card Industry Data Security Standard) standard and certified by the German team SRC (Security Research and Consulting GmbH), which is an undoubted breakthrough for the Ukrainian brand. This means that the company adheres to all modern security measures:

• provides encryption with a key up to 128 bits;
• uses constantly updated anti-virus protection;
• quarterly scans the service to identify vulnerabilities;
• is annually tested by an international safety audit.

All this makes Portmone not only relevant and convenient for any user, but also very reliable.

Contacts

1-3 Severo-Syretska st., Kyiv-136, 04136, Ukraine, Phone/fax: (+380 44) 200 09 02, E-mail: [email protected]

Tariff changes

Dear Clients! Please note that from March 9, 2017, new minimum tariffs for utility bills (0-1.5% of the payment amount, but not less than 3 hryvnias) and replenishment of mobile phones (2% of the payment amount, but not less than 2 hryvnias) are introduced .