Payment systems: rating, comparison, reviews

2024 Author: Howard Calhoun | [email protected]. Last modified: 2023-12-17 10:16

Payments and transfers on the World Wide Web have become the norm for a good half of Internet users. In addition, almost all services of this kind have their own or third-party cards. Payment systems are gaining momentum due to the fact that you can pay for the service or withdraw money using the usual plastic cards.

There are quite a lot of such services on the Web and every year there are more and more. And if experienced users are more or less oriented in all this diversity, then beginners simply shrug their shoulders and study the ratings of payment systems on the Internet in the hope of choosing their best option. The choice is further complicated by the fact that everyone has their own needs and preferences. And if one service is good for the first user, then it is not a fact that it will meet the requirements of the second and third. So there is something to deal with.

Below will be presented the rating of electronic payment systems, which includes the most popular and well-established services. All the products described below can be found on the official developer resources, soTesting shouldn't be a problem. The rating of payment systems is based on expert opinions (financial web journals, independent analytical companies, etc.), as well as responses from ordinary users.

Difficulties in choosing

As mentioned above, there are quite a lot of similar services, both from domestic developers and foreign ones. For a clearer picture, we will designate the ratings of payment systems in the world and specifically for Russia.

Both the former and the latter have their own specific (territorial) advantages and disadvantages that need to be taken into account. But first things first. Let's start with Russian services and continue with foreign ones.

Rating of payment systems in Russia:

1. WebMoney.
2. Yandex. Money.
3. Kiwi.

Let's take a closer look at the participants.

WebMoney

"WebMoney" topped the rating of payment systems due to its popularity. The service is used by more than half of the Russian Internet. Almost all commercial Internet resources have the ability to pay or receive payment in WebMoney.

Users are verified by means of passports. The simplest one is an alias that does not require any client data, but is very limited in operations. With it, only mobile communications can be paid without problems, and everything else requires more meticulous identification of subsequent certificates.

Required for "initial" accountpassport data in color, “personal” needs a certified copy of these from a notary and a corresponding statement. But in this case, the number and quality of transactions grows noticeably: you can issue payment cards, connect customers to your web resources, cash out services, etc.

Service Features

By the way, the WebMoney service leads the domestic ratings of payment systems for online stores. After receiving a "personal" certificate, you have the opportunity to accept money from your customers through this service. Moreover, the whole procedure is organized very competently and ensures the highest security of saving both personal data of both parties and financial resources.

The wallet itself is also impossible to hack, especially if full protection is connected, such as Enum branded keys and cross passwords. So WebMoney rightfully takes first place in the rating of payment systems in Russia.

But the service also has its drawbacks, which users often complain about in their reviews. One of these is not the friendliest interface. It is quite difficult for a beginner to deal with him, especially if he “moved” from the services described below. In addition, the identification procedure is complicated, a little confusing, and it costs a lot of money. Notary services alone will result in a round sum. In all other respects, this is a reliable, time-tested and well-established payment system.

Yandex. Money

Many people call "Yandex. Money" the national payment system. Basically, that's the way it is. The service was made by Russians, for Russians andused mostly by Russian-speaking users. The system appeared much later than WebMoney, but immediately found its admirers. Moreover, there is something to love her for.

If you try to switch from "WebMoney" to "Yandex Money", then the functionality of the latter service will seem simple, understandable and as friendly as possible. Instead of a local client, a web interface is used here, where everything is correctly categorized and no tedious searches, as well as studying instructions, threaten you. The system is protected from scammers no worse than WebMoney, but still, Yandex Money has a little more precedents for hacking accounts.

Judging by user reviews, the service is perfectly adapted to Russian realities. Here you will find literally everything you need: paying fines to the traffic police, utilities, repaying loans, contributions to municipal organizations and much more.

Distinctive features of the service

The payment system also works with a large number of domestic online stores, where you can get acquainted with current discounts and promotions directly from the web interface and immediately participate in them.

Users in their reviews note that "Yandex. Money" is quite easily "fastened" to commercial web resources and allows you to accept payments from customers. But this requires identification. The latter is organized much easier than that of WebMoney. Here you can go the hard way or the easy way. In the first case, certified copies of the passport are required from a notary and sending documentsmail.

In the second case, it is enough to come with a passport to one of the Euroset branches and submit an appropriate application with a certain (about 100 rubles) amount of money. And in a few hours your account will be identified. Restrictions are already being removed from it and you can get yourself a plastic card and fully use the service.

Kiwi

Kiwi is one of the oldest and most proven payment systems. Judging by user reviews, it is mostly used by beginners. The service, like Yandex. Money, does not have a local client, you need to manage it through the web interface.

The last one is simple, understandable and should not cause serious problems with development. The service reliably protects the user's data and finances from hacking, but still, the percentage of illegal seizure of accounts is slightly higher than that of Yandex. Money and WebMoney.

Users in their reviews also note that the system is very synergistic with commercial resources and without any problems allows you to install payments or payments on your site. Unlike the two previous services, there is no identification as such.

For normal work, that is, with bank cards and regular payments, you do not even need to send copies of your passport. It is enough to enter data in a special field. But for more serious transactions (large amounts, connecting an online store, etc.), meticulous identification is still required.

Best overseas services

If you for some reasonFor reasons you do not want to trust your financial resources to domestic payment systems, you can look towards foreign services.

The rating of foreign payment systems is as follows:

1. Paypal.
2. ePayments.
3. Payeer.

Let's take a closer look at them.

Paypal

This is the most popular service in the world, leading the international ratings of payment systems. Paypel is headquartered in San Jose, California, USA. In our country, the service has been actively used since 2011.

The payment system allows you to create a wallet in any currency, so there are no problems with settlements on our territory. Alas, full-fledged plastic cards for residents of the Russian Federation are not provided, but only prepaid (Prepaid). The service reliably protects your data and funds from hacking through step-by-step authentication.

Judging by user reviews, Paypel is perfect for those who work closely with Ebay. The service has excellent synergy with it, and all the functionality of the latter works perfectly in tandem with the payment system. With the withdrawal of funds, there are also no particular problems, but there are noticeably more conventions for such operations than with domestic services.

ePayments

This payment system is also widely known in the world, but is inferior to Paypel in popularity. Nevertheless, in Russia the service is quite actively used. Unlike the leader of the rating, here you can issue a plastic card, which greatly simplifies the cashing out procedure.money.

In addition, the service allows you to withdraw funds from your account to Russian payment systems - WebMoney, Yandex. Money and Qiwi, which can also be called a clear plus. The ePayments interface is noticeably simpler than that of Paypel, so it will not be difficult even for a beginner to deal with it.

Users in their reviews note that the service will be a great help for those whose Internet business is not limited to the Russian contingent. Here you can also easily "attach" the payment system to your site. Your passport details and mobile phone number are enough for identification.

Payeer

Another foreign payment system that enjoys enviable popularity in European countries, as well as in Russia. One of the main features of the service is anonymity. Therefore, the payment system is most often used as a tool for the transit of money, rather than for other purposes.

Judging by the feedback from users, even as the first wallet, the service performed very well. All data and financial flows are securely protected and hidden from prying eyes, but for greater peace of mind, many advanced users recommend creating a business account.

To do this, just fill in the appropriate fields, where you need to indicate your personal data (passport, driving license, medical insurance, etc.), and also pay the specified amount. It depends on current and projected costs.

Users notethat the service interface cannot be called complicated or confusing, so there should be no problems with mastering the functionality. Moreover, the official website of the payment system has a detailed video instruction with Russian sub titles.