There are many ways to deposit funds into a perfect money system wallet, but not everyone is profitable and convenient in terms of commission percentage or the complexity of the procedure itself. Let's look at the main ways to replenish your wallet.
To replenish your Perfect wallet, you can use the methods given below. Everywhere the stages of action are clearly and clearly described, so it will be easy to understand even for a beginner. Choose the method that, in your opinion, is considered the most convenient and profitable in conducting financial transactions. Happy replenishment!
How to top up Perfect Money by bank transfer
Bank transfer is available only to verified wallets. The bank account must be registered in the same name in which the Perfect Money wallet is confirmed. When topping up by transfer, there is a minimum input limit of $300. If the amount is less, you will have to top up through exchangers.
Before receiving the bank transfer details, you need to transliterate the data into the form shown in the screenshot. Next you will receive an invoice number and details. Make a translation with this data.
Payment according to regulations may be delayed up to five working days. If you are making a transfer procedure for the first time, you need to obtain a SWIFT code from your bank.
When depositing funds by bank transfer, Perfect Money does not charge a percentage.
Wallet replenishment
In order to have funds in your e-wallet, you need to top up your PerfectMoney account. How to do it? Here you need to follow certain rules and be extremely careful: if you make a mistake, your funds will not be credited.
There are several ways to top up your PerfectMoney account:
- Via terminal.
- Yandex money.
- WebMoney (WMZ transfer).
- QIWI wallet.
- Using bank transfer and special services to complete the transaction.
If you have a wallet in the WebMoney system, then you can transfer the existing title units to the PerfectMoney wallet. To do this, you will need to contact a technical support operator.
Bank transfer involves the use of various services to exchange money for electronic currency. There are many exchangers that provide similar services.
But it is worth remembering that no one works for free, therefore, using this method of replenishing a virtual wallet, you will pay a relatively high commission (1 ruble will be equal to approximately 90 kopecks).
Of course, the simplest, most profitable and convenient way to top up your PerfectMoney wallet is the terminal. Payment terminals are available in every city of our vast homeland and everyone has access to them. But, unfortunately, not everyone knows how to use them. There is nothing complicated here.
Replenishment via terminal
Before you run to the terminal and “stick” cash into it, you should submit an application to top up PerfectMoney through the terminal. This is important because otherwise you won't succeed.
To apply, you need to log into your PerfectMoney account. At the top of the page, select "Enter."
After this, a page will open on which you will need to select an input method, in our case it is “Payment terminals”.
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Let's move on to the next step. Now you need to select the wallet to which the money will be credited and indicate the replenishment amount. Select a dollar wallet and enter the amount in USD currency. Don't be alarmed, when paying at the terminal you will need rubles. The system automatically converts them and indicates the required amount in your usual currency.
Read the on-screen prompts carefully to avoid mistakes. So, you chose a wallet, entered the amount and your mobile phone number (in full format, for example, +74951026782). Below, click the “Create Application” button.
If all the data is entered correctly, you will see the message “Your application has been accepted. Please deposit cash through the payment terminal to complete the transaction."
A little lower you will see the details that should be indicated in the terminal when depositing money and the amount, already in rubles. In order to deposit money on PerfectMoney, write down your order number W1 (WalletOne).
Now all that remains is to find the nearest payment terminal and deposit the specified amount. It is worth noting that funds are credited through the WalletOne system, so you need to select the icon of this service in the payment terminal. She looks like this.
On the same page, carefully read the instructions for depositing money. She describes the entire process in detail and clearly. Below is a list of suitable terminals, as well as the service fees for each of them. Funds will be credited to your email account within a few hours.
Exchange funds from wallet
It was described above how to top up your electronic account. But you can also withdraw money. You can exchange PerfectMoney for electronic money from any bank using a special service. There is also a built-in withdrawal service. Just click the "Withdraw" button and follow the detailed instructions on the screen.
Depositing funds using E-Voucher
E-Voucher plays the role of an electronic check for any amount. You can give it to anyone. The user, using an e-voucher code with a nominal amount of money, can transfer funds to his account or make a payment in the online store. There is no commission for creating a voucher, and there is no commission for transferring funds from the voucher to your wallet.
The voucher can be sold or exchanged for cash at an exchanger. E-Voucher is sent via email, SMS, etc.
Safety
Since Perfect Money specializes in working with fairly large amounts, account security comes to the fore. A multi-level system of account protection and transaction verification makes unauthorized withdrawal of funds almost impossible.
The user configures security independently, enabling or disabling components at his own discretion. At the moment, there are three tools for protecting against illegal actions:
- IP check. If authorization occurs from a network address that does not belong to the user, the account is temporarily frozen, and a letter with a secret code is sent to the email specified during registration;
- SMS authorization. When this option is activated, the client will receive a text message to the number specified in the settings every time an attempt is made to log into the account. On the one hand, this provides more reliable protection (especially in combination with e-mail notifications). On the other hand, sending one message costs 10 American cents. By default, this option does not apply to subaccounts: for them, SMS notifications are activated separately;
- Code card. When this option is activated, the user receives a code card with thirty seven-digit codes. Each time you try to transfer funds from any of the wallets, you will need to enter a specific code from this list. To protect your account as much as possible from hackers, you should save the code card on paper (print or copy it) and delete it from your work computer and mailbox. You can save and copy data from the code card within 24 hours after activating the option.
In the “Security Settings” section there is another option - API (Automated Programming Interface). This tool allows you to obtain program code to automatically accept payments. In the future, the script can be placed on the site.
If you encounter any difficulties with placing or accepting payments via the API, you can contact support.
Entering Perfect Money through exchangers
The simplest and most popular option for depositing funds into the Perfect Money wallet is replenishment using exchangers. Perfect Money has about two hundred partner exchange offices, on the pages of which you can exchange any currency and even cash for Perfect Money, but you can use any other exchanger. Each has its own rules for depositing/withdrawing funds, the speed of processing the application and crediting currency, and the commission for the transaction.
For our convenience, exchanger monitoring sites such as BestChange.ru have been created.
Through exchange offices
One of the simple and accessible methods of replenishing perfection is to use exchange offices. Today there are a large number of them, and on the Internet you can even find a rating list with the interest rate, as well as the exchange rate and customer reviews. But it is better to use only certified exchangers, which can be found on the page https://www.perfectmoney.is/business-partners.html. But you can also use services like bestchange.ru.
You can top up through them in any way:
- a plastic card
- bank transfer
- cash
- WebMoney
- Ya.Money
- Qiwi
- etc.
The principle of working with such services is quite simple. You need to apply for an exchange, indicating the sending account (most bank cards and many online wallets), as well as the recipient account, the amount of the transfer, including personal contact information.
At this stage, your actions are completed. All applications are processed by the operator and after a certain time the money will be credited to your account. Particular attention should be paid to passing verification. The only drawback of this method is the inflated commission percentage (which is different for each exchanger).
Top up your Perfect Money account with Bitcoins
The system has the ability to make payments and store funds in the Bitcoin cryptocurrency. First of all, you need to create a Bitcoin wallet. The screenshots describe in detail the further steps to replenish your Perfect Money account using bitcoins.
Payment system tariffs
The management of the financial institution expects long-term cooperation with its clients. Therefore, the tariffs and commissions it sets are quite acceptable and even profitable in comparison with other analogues.
Withdrawals to a bank card are subject to a commission of 2.85 percent. In this case, the user will additionally have to pay a commission set by the bank. The advantage is that the money is instantly credited to the account.
As for replenishing your wallet in PM, no additional tariffs are set. Exchange transactions take place at market prices and tariffs. This applies not only to external but also internal exchange.
Conclusion Perfect Money
Withdrawal of funds from the system is carried out using the same tools as when entering:
- bank transfer available to verified users;
- e-voucher;
- exchange sites;
- bitcoin;
- credit exchange.
The most convenient way to withdraw money from Perfect Money is through exchangers, since there is no direct receipt of PM money to a Visa or MasterCard. Withdrawal by bank transfer requires the same procedure as deposit, Perfecta commission from 2.85% + bank commission. When exchanging Perfect Money for Bitcoin, the commission will be 2.5%.
Account Verification
Confirmation of personal data is not a prerequisite for working in PM, but it will allow you to withdraw funds to bank accounts and reduce fees for internal transfers. For the full verification process, three mandatory steps must be completed:
- Confirmation of personal data (last name, first name and patronymic) is carried out by uploading scanned copies of identity documents. For this, for example, a general passport or driver’s license is suitable;
- Confirmation of residential address requires uploading a scan of a receipt for payment of housing and communal services. In this case, the name indicated on the receipt must match the details of the account owner - this is a prerequisite;
- Phone number confirmation is carried out completely automatically. A call will be sent to the number specified in your account settings, during which the answering machine will dictate a four-digit code twice. This combination of numbers will need to be entered on the site. Please note that the robot does not know Russian and will dictate the numbers in English. You need to be prepared for this.
It should be remembered that any changes to the user’s credentials made after verification will lead to its cancellation and the need to go through all the procedures again.
Advantages and disadvantages
Perfect Money is a convenient platform. Its undoubted advantages and disadvantages include:
- safety;
- low cost of maintenance;
- flexibility;
- efficiency of calculations.
This payment card will be the optimal tool for making various payments. The version has 23 language translations, which makes it popular among the population around the globe.
PF makes it possible to work without tax control and regulation. At the same time, it provides low commissions to those who have passed verification.
You can also open several accounts with different currencies at once. Moreover, we can talk about electronic money. And that is not all. In addition to the main wallet, you have the right to open additional ones that support the same currency.
Another undoubted advantage is that dividends are accrued on the account balance - 4% per annum.
The most important advantage is the speed of completing any financial transactions. If the goal is to prevent the recipient of the money from seeing the sender’s details, the system makes it possible to use e-Voucher support.
Using the created account is simple and convenient. At the same time, you can independently choose the level of personal security. There are APIs that are supported by a large number of stores and exchangers.
A good addition is that you can take and give loans. And thanks to the internal exchanger, it is even possible to make money on jumps in exchange rates.
For convenience, a function has been created that makes it possible to set in advance the time and day when the scheduled payment will be made.
Technical support is available all seven days a day. This ensures stable online performance.
The client can also install the Perfect Money application on his mobile phone. It's really convenient.
In addition to the main advantages, it also has some disadvantages. Negative points include:
Not all clients are able to complete the verification process. Since they cannot provide personal documents. Users in this case work with a higher commission. It is 1.99 percent.
If someone fails to complete the verification process, they are subsequently unable to withdraw money and cannot fund their own account. They carry out these operations through exchange offices or through a credit exchange.
If you are already transferring money from your account, even if you change your mind, it will be impossible to cancel this operation.
Another small disadvantage is that there is no way to issue a Perfect Money card.
