Virtual card "Yandex.Money": how to create?

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

Today, there are many types of bank cards - debit, credit, embossed and registered. With the development of technology and the Internet, virtual bank cards have also been actively developed. What is the virtual card "Yandex. Money" in general, how to use it, and also what is convenient for its design, we will find out further.

What is a virtual card?

So, in general, virtual cards of the Visa or Master Card payment system are special types of cards designed to make payments for purchases or make other payments via the Internet. Typically, such cards do not have a material carrier, respectively, they cannot be used to pay in a regular store or withdraw money from an ATM.

Why is the Yandex. Money virtual bank card best suited for payments via the Internet? Its main advantageis an increased level of security when making payments, as well as an additional guarantee that your main card will not suffer from the disappearance of money in an unknown direction.

You've probably already heard about phishing, which is a separate type of plastic card fraud when making payments via the Internet. What dangers can lie in wait for a simple card holder? For example, you have decided to purchase goods through an online store and are going to pay for the purchase with a simple card. To confirm the payment, you will have to enter the full card number, and in most situations also a special three-digit security code. It is understandable that, theoretically, the store can use the information received for its own purposes, and an attacker who intercepts the data will be able to pay for the purchase at another online store.

If Yandex. Money, a virtual MasterCard or Visa card is used, the risks are reduced to the very minimum. First of all, most of these cards have limited limits and a limited expiration date. Some cards can generally be used only once, due to which, even if you know the number and secret code, you won’t be able to use them again. Other reusable virtual cards can be valid for several months, but they have a limited cash limit, that is, attackers, even if they wish, will not cause significant damage to you.

"Yandex. Money" is a virtual card (Visa or MasterCard) that can be used only once. For example, you need to pay for something - you created a card, set a certain limit for payments, paid for the purchase.

When issuing virtual cards, the financial aspect is also important, that is, they are not issued free of charge, so for each specific case, you should compare what will be more profitable and safe, constantly acquiring a new card or buying a reusable one.

How to pay with a virtual card?

Usually, a plastic card is checked for authenticity by its number, expiration date and a special security code - these parameters are entered during the payment. Accordingly, authentication is performed in the same way when paying for purchases via the Internet using ordinary bank cards. Only they, for greater security, still receive messages with a one-time password to confirm payment.

Virtual card from "Yandex" - a card without a card

It is very difficult to dispute the fact that using bank cards is very convenient. They allow you to pay for purchases in stores, even if there is no cash in your pocket. But in order to issue a card, you should contact the bank branch. But if you only need it for payments via the Internet, then it is best to issue a virtual card. For example, bank card"Yandex. Money" (virtual) will allow you to pay via the Internet without any problems. Plus, you can use it to pay your utility bills, cell phones, and other payments right from your couch.

How can I get a Yandex. Money virtual card?

It's very simple. To do this, it is not necessary to contact the office somewhere, it will be enough to go to the Yandex website and register an email box. Next, you need to enter your personal account, where you can order the issue of a card. To do this, go to the "Money" section and get yourself an electronic wallet. A card is automatically issued to him on the Yandex. Money resource. You can create a virtual card yourself. The site also has a corresponding section. Once issued, the card must be activated and can be used.

It is much easier to make such a card if you are already a Yandex mail user. You can pay with it only for purchases made on the Internet.

Methods of replenishing the card

Before you can start using the received card, you need to replenish your account. There are several ways to carry out this operation and they are divided into three groups:

1. Replenishment of the wallet from an existing card.

2. Cash replenishment.

3. Transferring money from another resource to a Yandex card.

If you are a Visa or Master Card holder,then in your personal account, go to the replenishment section and select the appropriate line from the list. Next, a window will appear in which you must enter the requested details and confirm the transfer to the Yandex. Money card.

In addition, the bank card "Yandex. Money" can be replenished through an ATM. This can be done at the following banks:

- Sberbank - when replenishing a card account, no commission is charged even when paying with a card from another bank.

- MTS Bank - commission for replenishment is also not charged, but funds can only be credited from cards issued by this bank.

- "Neryungribank", NOMOS-Bank, RPS "Zolotaya Korona", "Ural Bank for Reconstruction and Development", "Kholmskkombank", "Energotransbank" - these banks also do not charge commissions for transfers, but replenishment is carried out only with cards of the corresponding bank.

- VTB-24 - a commission of one percent is charged for the transfer, but not less than fifty and not more than two thousand rubles. Crediting is made only from VTB-24 cards.

- "Gazprombank" takes three percent of the commission for such a service, and the transfer is made only from its cards.

- "Ur altransbank" takes a commission of three percent. Credit can be made from a card of any bank.

- "Chelyabinvestbank" ("City" system) - the commission is also three percent. You can transfer funds only from cards of this bank.

For the Yandex. Money virtual card to besuccessfully replenished through an ATM, you need to have a card of the corresponding bank. The only exception is Sberbank, since through its terminals you can even pay in cash. In addition, you must know the account number in Yandex. Money. If you replenish your account through an ATM, the payment amount will have a limit of fifteen thousand rubles. As for the commission, it is better to clarify it in advance at the payment acceptance point.

If there is no card available, then there is a great opportunity to replenish your account in cash:

- Through self-service terminals. Using this method, you should carefully look at the amount of commission charged. Some terminals do not take it at all, while in others it can reach ten percent.

- Make a payment at the offices of partners of this payment system. Here, too, the commission can reach seven percent. This point must be clarified before payment.

- Use a transfer system, for example, "Contact", "Unistream" or "Post of Russia".

When replenishing the Yandex. Money wallet in cash, the same restrictions are set as when paying with a bank card. You just need to give your account number and the amount up to fifteen thousand rubles. You can also make a transfer from a Web Money wallet. The commission for such a transfer is about five percent.

Virtual card "Yandex. Money" - how to pay for purchases?

After the card is issued and its account is replenished, you can start paying for purchases. The scheme is very simple and common to all stores on the Internet. Due to the fact that the Yandex. Money virtual card has the MasterCard payment system, you will need to specify the card details and confirm the payment during payment.

When choosing a payment method, you must be careful and make sure that online payment by MasterCard is selected. In a different situation, you will have to pay for the goods upon receipt and at the same time not with a virtual, but with a regular card.

Set rates, limits and commissions

When paying for purchases via the Internet, you should be aware of the fees charged, which have not only regular cards, but also the Yandex. Money virtual card. User reviews on this issue indicate that the amount of commissions is not so large, so using the card is very convenient. Accordingly, costs will be slightly higher than expected.

What is the commission charged for anyway?

Additional payment will be charged for the following transactions:

1. Replenishment of the Yandex. Money account. Depending on which method is used for this operation, the commission can vary from 0 to 10 percent. This question should definitely be clarified when translating.

2. If you withdraw funds from the card account, a commission of three percent + another 15 rubles will be charged. If ause any payment system for withdrawal, for example, "Contact", then an additional commission may also be charged, but by the system itself.

3. The issuance of a finished Yandex card will be free, but if you need to deliver it by mail, you will have to pay 149 rubles (if delivery is carried out within the country) or 199 rubles (if delivery is required abroad).

4. When transferring funds to a virtual card account, there is a limit on a one-time payment, which is fifteen thousand rubles.

What are the advantages and disadvantages of the Yandex. Money card?

The card is issued very easily and quickly. It only requires a computer with internet access. The advantages of this card include the following:

1. It is convenient to pay for purchases in online stores.

2. Ability to pay for purchases through Google Play or the App Store.

3. Payment for cellular communication without commission.

4. Pay a variety of bills automatically.

Be sure to remember about the possible commission for payments, so you should calculate your costs in advance. In addition, be sure to take care of security. Never, under any circumstances, tell anyone your username and password, so as not to get into a situation of unauthorized use of funds by third parties.