Hello, dear readers of the KtoNaNovenkogo.ru blog. I want to continue the review of electronic currencies, and today we have Perfect Money is the main competitor of the popular anonymous payment system Payeer, as well as the partially anonymous OkPay and Payza.
All these payment cards are in demand among those who deposit or withdraw money from various high-risk income-generating schemes, such as HYIPs (financial pyramids) and the like, because traditional payment systems shy away from such things.
The Perfect Money company is registered in Panama and blocks accounts (according to their assurances) only in the event of a decision of a Panamanian court, without complying with international requirements. Unfortunately, it will not be possible to issue branded payment systems like Pioneer or ePayments here, but your account balance will be credited with 4% (calculated per annum), which is even more than in a regular bank.
Just like AdvaCash, these electronic money can be more profitable and convenient to enter or withdraw through third-party exchangers (just below I will show an example of withdrawing Perfects through my favorite exchanger 60sec ), which support such exchanges everywhere. The most favorable exchange rate can be searched using the BestChange and CourseExpert services, or other exchanger monitoring services.
But first things first…
What opportunities does the Perfect Money wallet provide?
This payment system has been reporting since 2007 and is actively used by millions of people around the world, discussed, scolded, praised and much more. Their audience, of course, is specific, and on the moneymakers forum there is even a separate thread on this payment system, where various options for depositing and withdrawing funds, blocking wallets, recovering passwords and much more are discussed.
Please note that the official Perfect Money website is located in the IS domain zone, i.e. at perfectmoney.is. I mention this so that you don’t fall for the bait of phishers, who may try to steal your account by sending fake letters supposedly from this payment system. Be carefull.
A few years ago, Perfect Money even opened a credit exchange, which made it possible to verify (what is this?) your wallet, because this is an additional criterion for the trust of users and the system itself in you. After passing verification (send a scan of your passport, a scan of any payment card indicating your address and your mobile phone number), you can begin to build up your trust index, which they call Trust Score.
Account verification also allows you to expand the limits on transactions with wallets and reduce the percentage of commission charged. For example, for verified users the percentage for an internal transfer to PerfertMoney will be 0.5%, while for an unverified user it will be as much as 1.99%. The difference is fourfold and with active use of the system, verification becomes very profitable.
Although, of course, the loan exchange in Perfect Money, if not a scam, is certainly a hype with crazy percentages of daily income (with which this payment system mainly cooperates), because the probability of returning the money you gave to the borrower will be approximately fifty percent (or they will give , or not), despite its non-zero Trust Score.
PerfectMoney, however, guarantees that in case of non-repayment of the loan, the borrower’s account will be blocked and the required amount will be forcibly withdrawn from him, but scammers often manage to empty their wallets before the hour of judgment. Moreover, the loan amount does not guarantee its return at all - they can collect one dollar from a thousand simpletons, and then leave.
Verification in the system is not required and you can completely receive, deposit and withdraw money from Perfect Money anonymously . But... If the system suspects that you are committing fraudulent actions, your wallet may be blocked.
But to unlock it, you will have to send a scan of your passport and indicate your mobile phone number, i.e. actually undergo verification. A phone number and a scan of your passport will also be needed if you recover your password to log into your wallet.
Another difference between Perfect Money and any other payment system is that they pay 4% monthly (calculated per annum) on the amount that you have in your account. This is a bit like a bank deposit, but at a higher interest rate and with slightly greater risks, because there is no deposit insurance.
It seems to me that most still use PerfectMoney mainly as a means of quickly depositing or withdrawing (or transferring) from various services where they earn money or earn extra money. I would like to emphasize once again that the advantage of this payment system is that Perfects can be easily exchanged for anything (real money, electronic money or cryptocurrency) in almost any exchanger similar to the above-mentioned 60sec or BaksMan, ProstoCash, WMGlobus, 24PayBank.
The level of security for working with Perfect Money can be called quite acceptable. The IP addresses from which you access the system website are determined, and if they are different, you will be sent a one-time PIN code to the email specified during registration, which you will need to enter additionally in a specially opened form.
There you can also connect to receive one-time transaction confirmation codes in the form of SMS messages to your mobile phone (when working with some cellular operators, problems or delays of several hours may arise before the SMS with a confirmation code arrives) or receive a graphic file with a list of one-time codes that will need to be entered.
Previously, deposits and withdrawals of Perfect Money were only possible to a bank account via SWIFT (with a commission of 2% and a minimum wage of $300), or through a network of online exchangers directly or through a service for monitoring the best exchange rates. However, in the wake of the popularity of cryptocurrency (what is it?), it became possible to enter and deposit money into Perfect Money through your Bitcoin wallet.
Yes, I forgot to say that in Perfect you will have three wallets by default: in gold (in troy ounces), dollars and euros. But it will be possible to add another one to BTC, i.e. in bitcoins by clicking on the “Add account” button on the page for viewing your account data (in your personal account):
Between your wallets in different currencies, money can be exchanged at the internal rate of the system (close to the market rate, I must say). To do this, simply right-click on the desired wallet and select the “Exchange” option:
You can create three wallets in dollars, euros and bitcoins (the screenshot shows that I, for example, have two accounts in euros), but in gold there are only two, but that doesn’t matter. It is important that this payment system is trying to catch the wave and allows you to work with cryptocurrency , and the percentage for its input/output is zero or so (input without commission, and withdrawal - only 0.5%).
How to make a perfect money exchange usd to btc
Exchange perfect Money usd bitcoin begins with you indicating the amount you want to exchange for cryptocurrency. The next step is to fill out the data fields correctly. And we wrote about this a little higher.
Next, you need to confirm the application and pay for it. Sometimes it happens that users do not invest in the time allotted to pay for the application, and in such cases it is automatically canceled.
As soon as the application is paid, the conversion will be launched. Processing time depends on the mode in which the exchanger operates. For example, if this is an automatic mode, then transactions take place almost instantly, while manual mode is limited by the capabilities of managers.
Registration and login to your Perfect Money personal account
To do this, you will need to select “Registration” from the top menu the main page of the Perfect Money website If your interface is not in Russian, you can select the desired language from the drop-down list located at the top of the page:
You will see a page with a registration form where you will have to provide information about yourself. Since the matter involves money (albeit electronic), I advise you to indicate your real personal data in order to avoid further problems with managing your Perfect Money account or restoring it in the event of blocking or losing your password (or any other force majeure).
It is better to enter data in the registration form in Latin letters (transliterated). Only fields marked with asterisks are required. When entering a password, you can use the on-screen keyboard, the icon of which is located to the right of the password entry fields. This will reduce the likelihood of it being stolen by programs that analyze characters typed on a physical keyboard.
In general, I recommend creating complex passwords and storing them in Keepass - a really working and secure option. Well, or write it to a file, but store it again in a folder encrypted via Truecrypt.
When registering with Perfect Money, you are free to choose the type of account. The business account option is suitable for those who intend to install the API of this payment system on their website to accept payments.
After you enter all the data and click on the “Registration” button, a letter with your individual number in the system (Your personal Member ID) and your personal referral link will be sent to the E-mail you to the system of new users (referrals) and receive 1% per annum from the minimum balance per month on the account of the user you attracted.
log in to your PerfectMoney wallet on the page of the same name, where you enter the ID sent in the letter and the password you created during registration:
As I already mentioned, by default the IP address from which you last logged into your wallet is tracked, and if it changes, then in addition to the main login form, an additional window appears for entering a PIN code , which will be sent to your mailbox specified when registration (currently the most hack-resistant box is provided by Google in the Gmail service, where you will have two-step authentication):
How to recover ID and password for logging into your personal account
If, when logging in, you forget your ID in the Perfect Money system , then simply click on the link “Forgot?” and enter on the page that opens the Email that you indicated during registration. Without any additional questions or delays, the forgotten ID will be sent to you by email.
Everything is much more complicated if, upon logging in, you discover that you have forgotten your PerfectMoney password . Here you will have to begin the whole procedure of restoring it. First, you will need to click on the “Lost password” link on the login page:
At the first step of the wizard, you will be asked to fill out the form fields indicating your ID in the Perfect Money payment card, the Email that was used during registration, and the mobile phone number to which the SMS confirmation code will be sent and to which you should actually have access:
You will immediately receive an SMS with a code on your cell phone, which you will need to enter in the second step of the password recovery wizard:
Well, after this, we will finally be given the opportunity to prove that we are the owner of the wallet whose password we are recovering. How to prove this? It will be enough to send a scan of your passport and any receipt for payment of anything with your address indicated on it:
We upload each document using the “Select file” buttons and then click on the “Complete” button, within three days the password to enter your PerfectMoney wallet will be sent to you by email.
I myself recently forgot the password for my wallet, which I registered back in 2009 (at that time Perfect had a promotion for webmasters - for posting their banner they paid ten dollars a month for each unit of the PageRank value of the main page) and restored it according to this scheme. True, I did not send the screenshot of my passport, but the first image I came across from Yandex, however, less than a day later the password was already in my mailbox.
Features of the procedure
The most significant feature of Perfect Money is the ability to use anonymous electronic wallets. This is also provided for in such systems as:
- Kiwi;
- WebMoney;
- Yandex money.
In the latter case, there is a high probability of instant blocking of the wallet.
However, other payment services also have negative sides - the presence of a ban on making withdrawals of funds in certain ways and the setting of maximum commission fees.
Speaking about Perfect Money, it is worth noting that the service for anonymous users sets only the maximum service fee, and you can withdraw money using any available methods.
Setting up an account in your PerfectMoney personal account
Actually, immediately after successful login you will be taken to your account (profile):
Using the “Add Account” link, you can create one of four types of wallets in Perfect Money: dollars, euros, bitcoins or the gold equivalent of a Trojan ounce. Personally, I use dollar equivalent and euro.
Using the “Change settings” link, you can get to a page where you can change the password for logging into your wallet (you will also get there by selecting the last item from the top menu “Settings”), as well as configure additional security measures by clicking on the “ Change” security settings :
By default, only checking the IP address from which you last accessed the PerfectMoney.is website is enabled (user authentication). However, you can use SMS authorization , and then every time you log into your wallet you will receive an SMS with a one-time code. This service is paid and will cost you ten cents per message.
A more economical and no less reliable option is to select the “Code Card” , on which one-time codes will be written for each entry to the Perfect Money website:
This is a regular picture that you can save on your computer and type passwords from it each time you log into your wallet. It will also come as an attachment to a letter to your mailbox (a graphic file in PNG format). When thirty one-time passwords run out, you will be free to generate as many more for yourself on this page.
Manage Verification link , where you will have to confirm your name using a scan of your passport, your address using any payment card, and your mobile phone using the code sent via SMS. It’s up to you to decide whether to undergo verification in Perfect Money or not.
Let me remind you that unverified users of the system will have reduced limits and higher fees for internal transfers. But for some, anonymity is most important.
Is registration required?
Perfect money exchanging usd to btc through an exchanger is an opportunity to conduct transactions anonymously. Therefore, registration or verification is not mandatory. Nevertheless, users can create their own account and receive nice bonuses - a discount on the course (on a one-time or ongoing basis). Registered users also receive other bonuses in the form of the opportunity to participate in various programs (for example, “affiliate”) or unique offers that will be regularly sent to their email address.
In addition, some services offer to receive cashback for each transaction, which is also an attractive option. If you are not interested in such advantages, do not burden yourself, but exchange perfect money, exchange usd to btc in a way convenient for you.
Leave your feedback on the work of the exchanger to make their work better for you!
How to top up wallets and withdraw money from PerfectMoney
You can carry out all basic operations with your wallet by selecting them from the top blue menu. For example, to top up your account you will need to go to the “Input” tab:
As you can see, deposits from a bank account are limited to a minimum of 300 bucks, although the commission here will not be high - 0.5%. Only depositing in Bitcoins is cheaper - 0% commission. A good option, in my opinion, would be to use one of the online exchangers with the most favorable exchange rate for you, which can be found using the BestChange and CourseExpert monitoring services.
When making an internal transfer , you will be able to make both a regular “Single Payment” and a scheduled payment. At the same time, you can use payment protection , which can also be useful. In general, everything is like with people. For internal transfers, however, a small commission of half a percent is charged (for verified users) and 1.99% for unverified ones. You can find a list of all commissions in Perfectmoney on this page.
Withdrawing funds from your wallet is carried out on the tab of the same name:
Withdrawal to a bank account is only available for verified accounts, so either go through this procedure or use the services of online exchangers. If you use cryptocurrency, then the low commission for withdrawal in bitcoins may seem attractive to you.
I would recommend choosing from the following exchange offices , which occupy leading positions in RuNet in terms of favorable rates and reliability:
- 60sec
- Ychanger
- 24PayBank
- BaksMan
- ProstoCash
Well, or look for your options in BestChange and CourseExpert .
Are perfect Money usd bitcoin exchanges safe?
Transactions carried out through the ExNode website are safe, and this has been confirmed by hundreds of users conducting financial transactions here. We check each exchanger before adding it to the list you see above. In addition, we monitor user reviews on our website. And these messages allow us to regulate and control the work of exchangers.
Thus, users can describe their experience with a specific exchanger in its profile on our website. There are 3 options for comments - green, gray and red. Colors allow you to determine what emotion the client wants to convey. If this is a green comment, then we know that the user was satisfied, gray ones indicate a neutral position and, perhaps, something went wrong, red is a negative customer experience that requires an immediate response from the administration of the exchange office.
All red reviews that remain unanswered or if the exchanger has accumulated a large number of similar comments in a short time are checked. The administration of the monitoring site reserves the right to exclude a service from the table in a specific area or exclude it altogether.
