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…
Register with Perfect Money and create a perfectmoney.is wallet - Step-by-step instructions
1. Go to the official website, pay attention to the SSL connection “lock” in the address bar, it means that your connection is completely secure (encrypted).
2. In the upper right corner, click “Registration”
3. A form to fill out will appear, fill it out in your language.
As an example:
Account Name: Semyon Full name: Elshov Semyon Arkadyevich City: Moscow Address: st. Moskovskaya house 35 - 123 Country: Russia Postal code: 400121 Email Phone/fax: +79622333838 Account type: Personal Password: “Your password of your choice”
Enter the numbers from the captcha, check the box: “I have read and agree to the terms of service” (User Agreement), click “Registration”. You will receive an email with your ID, which you enter in the login field when entering the site.
A few words about the safety of “Perfect Money”
The security in the Perfect Money wallet is trustworthy. Each user has a rating. It is determined from the following indicators: registration time, number of accounts in transactions, scrolled amount of funds for the entire time, minimum account balance for the month, reviews. There is also a credit status. If you use loans, your credit history will be in full view.
The payment system monitors the user's IP and notifies by mail if the address is different, and also requires entering a PIN , which is sent to the registered e-mail to verify the user's authenticity during authorization. Additionally, you can activate SMS authorization - the cost is $0.1 for each SMS - upon entering (as in Sberbank Online). As a free alternative, you can use a code card (confirm transactions by entering a special combination of symbols; the ePayments wallet has a similar, but less advanced principle).
Summary
If you thoughtfully approach the issue of saving your own money, you can achieve good results. The schemes described in this article will allow you to minimize commissions and at the same time receive income from your investments. Taking into account the instability of the ruble, investing in dollar assets is especially profitable. The Perfect Money scheme allows you to achieve this. You can go further by starting to invest in “hype projects”, then your earnings will become even higher (however, we warn you, this is quite risky). But 4% in the current situation will always drip onto the balance.
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Perfect Money - Login to your personal account perfectmoney.is
1. In the upper right corner, click “Login”
2. Fill in your login information. Your Client ID, which was sent to your email upon registration, and the password you created during registration.
3. You will receive a PIN by email, enter it and log into your personal account.
Account is blocked. What to do?
If you enter your login PIN code or code card password incorrectly several times in a row, your account will be automatically blocked. When you try to log in, it will be written: “Account is temporary blocked. Please check your email for message with reason(s).” In this case, you may not receive anything by mail (I didn’t).
Don’t be alarmed, you don’t need to do anything - this is a temporary block and it will go away after about 10 hours. After this, you will be able to log into your wallet and use it.
Perfect Money personal account PM - What does the account look like?
After a simple and quick registration, we find ourselves in the Perfect Money personal account . On the right side of the site, we see “My Accounts” - these are your available accounts, immediately after registration. Each registered user has an assigned Trust Score; the more transactions you make, the more your rating increases. By analogy with Aliexpress, the higher the rating, the greater the trust in the owner of the wallet.
Account types
The Perfect Money payment system provides 3 types of accounts, which, we note right away, do not particularly affect the functionality of the account.
- Normal : assigned to all new accounts and does not impose any restrictions on use.
- Premium : assigned upon reaching a certain turnover or a year after starting to use the account. If you think that you have already fulfilled the necessary conditions, you can independently send a request to obtain this status through the Perfect Money ticket system. Premium implies some commission deductions when working with payments.
- Partner : can be assigned by unilateral decision of the administration to business or entrepreneurial accounts. Accordingly, it provides some advantages when working with the system.
There is also a so-called Trust Score - a kind of internal rating that characterizes the account from the point of view of business activity. Accordingly, the higher this number, the more active the account can be considered. Conventionally, we can say that this is a kind of “trust rating”, which sets the general vector of attitude towards a particular account, but is not any guarantee of quality.
Perfect Money Wallets - How to create a wallet in Perfect Money
Example of wallets:
Dollar - U (USD), example: U23456789 Euro - E (EUR), example: E23456789 Gold - G (Gold), example: G23456789 Bitcoin - B (BTC), example: B23456789
This is exactly what your personal addresses look like. They must be indicated when receiving funds for a particular currency (for the dollar - U23456789).
Creating a wallet in Perfect Money is very easy. To begin, in your personal account, in the “My Accounts” menu, click on the “Add Account” link, select an existing account and click “Add Wallet”.
Currency exchange
Perfect Money has an exchange office with which you can exchange currency. In your wallet you need to open the “Exchange” section. Next, fill out a special form for exchanging money (Screen 10).
Write the amount you want to exchange. For example, 100 euros to dollars. Select a currency pair for exchange. For example, euro/dollar. Then click “Preview”.
Click the “Exchange” button. After this, the exchanged amount of money will be available in your dollar account in your wallet.
Perfect Money account verification in 2022
Verification of Perfect Money is a rather simple procedure, the main advantage of which is the reduction of commission on transfers from 2% to 0.5%.
To undergo verification, click “Settings” in the main menu and “Manage Verification” at the bottom of the page.
- Name verification. Photo of passport or driver's license.
- Address verification. A photo of a utility bill with your name and address.
- Phone verification. Phone confirmation. A robot will call your phone and dictate four numbers in English.
How to verify your Perfect Money account step by step video:
System Features
What sets Perfect Money apart from similar systems is the absence of restrictions for non-premium accounts. Services are provided to ordinary customers in full. The following functions are available:
- withdrawal of electronic funds to personal accounts of the system through banking transactions or Internet payments;
- replenishment of personal accounts through exchange services;
- cashing out electronic money stored on personal accounts of the system;
- paying bills and services online, making utility or loan payments.
- the ability to pay the merchant 24/7 on your personal website;
- depository storage system – 4% per annum.
Depositing funds is available in four types of currencies:
- dollars;
- Euro;
- gold;
- bitcoins.
Perfect Money provides high transaction speed: payments are made instantly, which sets the system apart from any bank. At the same time, reliable protection of transactions is maintained, and the outflow of savings from the wallet outside the client’s control is impossible.
If the site does not open in Russian, you can easily find the language settings in the upper right corner.
Existing types of accounts
Premium status is assigned to the client after a year of using the system, provided that funds of at least 100 thousand in dollar equivalent are entered into the account. Until then, the account operates in Normal . The difference mainly lies in the speed of response of the Perfect Money technical support service: for privileged partners, feedback is established instantly.
Percentage charged for service
Commissions are set depending on whether the account is verified or not. So the percentage for internal transfers is 0.5 for verified ones, and 1.99 for unverified ones. For withdrawal of funds to a bank account, the system charges 1.5% to which a bank commission is added.
Storing funds in Perfect Money accounts is accompanied by the accrual of dividends equal to 4% per annum. The advantages of the system also include a large number of exchange offices available on the Internet.
To avoid becoming a victim of Internet scammers, you should use the services of Perfect Money certified exchangers.
Certified partners of Perfect Money
How to top up your Perfect Money account (PerfectMoney.is)
It is possible to top up your account directly only using a bank transfer or cryptocurrency; in this case, the PM analogues in the form of a Payeer or Advanced Cash wallet are much more convenient, but everything is not so bad here.
The most convenient way to top up your Perfect Money account is through online exchangers. To do this, we will use BestChange exchanger monitoring
