Perfect Money: customer reviews

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

To date, WebMoney can be called the most popular and well-known payment system. But that doesn't mean she's the only one. An alternative option is the Perfect Money system. Reviews emphasize that it was opened back in 2007, which means that it has long had its fans. The service is easy to use, but many people doubt its reliability, so the system remains on the sidelines for now. It has a big plus, which is that clients can open a multi-currency account in dollars, euros or gold.

One of many

Modern realities make it possible to choose payment systems. If you are tormented by the question of which one to prefer, you need to familiarize yourself with all the conditions in detail, calculate your benefits, read reviews. Today we will consider the pros and cons of the fairly popular Perfect Money e-wallet. Reviews about him are mixed. So let's figure out which of them are honest and which are not.

Features of the payment system

Launched Perfect Money was a company registered in Panama. The operational service center is located in Zurich. It focuses on foreign exchange operations. This leads tocertain inconveniences on the territory of Russia. But if you buy on Ebay, then this can be a significant plus.

Perfect Money, reviews of which we are considering today, positions itself as an ideal financial institution. We can say that it is very self-confident. Developers put forward three main advantages of the system:

• Convenience.
• Safety.
• Simplicity.

Based on this, we can say that the system should appeal to most users. But statistics show that a significant part continues to work with the WebMoney service.

Perfect Money Opportunities

First of all, this is the transfer of money between users. To do this, you and the recipient must be registered in the same system. Here it is worth talking a little about such a concept as verification. It is used in the Perfect Money project. Reviews say that this procedure makes you refuse to register in the system, because it scares you with its complexity. But for most customers, it is intuitive, you just need to start performing sequential actions.

Verification procedure

This point is important to note, because an unverified user has a 2% commission on transfers. After performing simple actions, it decreases to 0.5%. To pass verification, you need to go to "settings", in the "Verification Management" menu. It goes through three stages:

• By name. For thisyou need to upload a scan of a document proving your identity. It can be a passport or driver's license.
• At the address. To do this, you will need to make a scan or photo of a utility bill, on which the address is clearly visible, as well as full name
• By phone number. The robot will call the entered number and dictate 4 digits in English.

After that, you can use the payment system.

Additional features

What else does Perfect Money allow you to do? Reviews suggest that not only send payments, but also receive them. But that's not all.

• Very pleased with the possibility of regular payment of electronic bills online. This saves you from wasting time in queues at the bank. There is another convenient nuance here, which is that you don’t even have to do anything. Just set up automatic payment and a certain amount will be charged from the account every month.
• Transfer of money for goods and services. This is very convenient for those who use foreign sites.
• Issue of electronic vouchers.
• Acquisition of currency or gold, as well as exchange.
• Affiliate program. Everything is simple here. If you attract people to the resource, then they go to the site using a referral link, after which you start receiving 1% per annum from the monthly account balance of each referral.

It is worth noting the possibility of lending offered by the Perfect Money wallet as a separate line. Reviews emphasize thatyou can not only take funds, but also be their recipient. This is a kind of deposit on an electronic account. The company accrues 4% per annum on the minimum balance and pays them monthly.

Client Status

As noted by the reviews, the Perfect Money payment system is quite labile, so it can suit a large number of users. If you have just registered, then at first you are assigned the status of Normal. It does not impose any restrictions and limits, which is convenient for most users.

After a year from the moment of registration, the user can be assigned the Premium status. You can speed up this process by depositing at least $50,000 into your account. The client can regularly apply for a status upgrade, which involves a number of discounts on the system's standard rates.

Partner status. The decision on this is made by the administration of the company. Most often, these are business accounts that link their payment to the system. Here the client gets the maximum number of privileges.

How to register?

It's no problem. Perfect Money customer reviews describe the procedure as the easiest option for beginners. You need to go to the site and fill out a special form. Passport data, first and last name, city and postal code are indicated here. Also indicate the status of the account. Now you need to accept the terms of the user agreement, which are presented in English.

After that, an email will be sent to your email. It may causedifficulties for those who do not know English, since translation is not provided. There will be an ID code and instructions for replenishing the wallet. The interface is clear, which users note in their reviews.

Personal account

In addition to a simple and not overloaded interface, I would like to note the convenient division of all information into such blocks as "Statement", "History", "Analytics". The last section is not too important for ordinary consumers. But if you make money on the stock exchange, then the reviews of the financial press in recent days will be very useful.

There is one major flaw in the system. It consists in the fact that operations in rubles are not possible here, which means that every time there will be a conversion. Reviews about the withdrawal of Perfect Money do not speak in favor of this system, because it can be difficult and expensive to cash out electronic money. There is no direct transfer to the card either.

Credit exchange reviews

Perfect Money allows you to earn more. For this, a kind of financial pyramid is organized. Here you can lend money at different interest rates. (from 2% to 70%). You have a chance to choose a client based on an analysis of the amount of money taken and returned. Unfortunately, there are not many guarantees. The percentage of loss of funds is also high. Therefore, reviews of the Perfect Money credit exchange are not the most attractive. You can try borrowing money at a low interest rate and lending at a higher one so that there is no high risk.

Cons

Many users note the difficulty in estimating tariffs, becausethat you first need to make a payment, and only then the system issues the final amount. In addition, if you mistakenly sent money to someone else's account, you will not be able to return it. A separate item is account recovery if necessary. The cost of this service is 5800 rubles. (100 dollars). The last point is the anonymity of the payment system.

If you do not want to make transfers taking into account the preferential commission, you can not enter any passport data. It is thanks to this that the system is accused of servicing financial pyramids.

Instead of a conclusion

Summarizing what has been said, it becomes obvious that users note three points among the advantages of Perfect Money:

• Simple interface.
• Minimum input about yourself.
• The ability to make profitable purchases for the currency.

The system has much more disadvantages. This is:

• All correspondence in English.
• High commission.
• No direct withdrawal to the card.
• Operating only foreign currency.

Decide for yourself how convenient this option will be for you. This is not the only payment system, so it will not be difficult to find an alternative. If you are looking for high protection and transparency, then it is better to stop at the leading payment systems, even if you have to spend a little more time on registration. But your money will definitely be completely safe, and no one will get access to it.