WebMoney wallet in Belarus - how to top up and withdraw WebMoney (un)officially

27.07.2020

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Author: Myfin.by editorial staff

Photo: pixabay.com

WebMoney is an international electronic payment (settlements) system. Almost 10,000 new users register on it every day, and in total there are already more than 40 million people.

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The emergence and development of the WebMoney system

The work of the WebMoney system began in the fall of 1998 with the first successful transaction. 30 American dollars (WM) were transferred to the account of each registered user, 3 WM were given for the referred user, 100 WM were credited to the accounts of registered stores. After 2 years, the system began working with WMR (Russian ruble) and other currencies, including:

• WMZ – American dollar wallet;
• WMB – Belarusian ruble wallet;
• WME - wallet for storing and exchanging money in euros;
• WMU and WMK are wallets for Ukrainian hryvnia and Kazakh tenge.

Participants in the system can open other, but less popular wallets, which are supported by different currencies and backed by specific assets.

Types of WM wallets depending on currency

It consists of letters and numbers, the first Latin letter in the combination indicates the type of wallet depending on the currency.

WMZ

Certificate for purchasing goods and receiving money in US dollars.

WMR

A ruble-denominated webmoney wallet that allows you to transfer funds to non-personalized electronic means of payment, transfer money to a card and replenish wallets.

WMP

Wallet in Russian rubles.

W.M.B.

Payment wallet for Belarusian rubles.

WMX

Property rights to publish records in a global public database that have been deposited.

WME

Euro wallet in the system.

W.M.U.

Wallet equivalent to Ukrainian hryvnia.

WMK

A receipt for receiving EKTZ from the guarantor for a specific amount.

WMG

This is a warehouse receipt for exchange gold in a certified storage facility.

How is the registration process in the WebMoney electronic system?

To create a WebMoney wallet, you need to register. A person must enter accurate information about his identity and other personal information. The process of opening a WebMoney electronic wallet consists of the following steps:

• open the website of the payment system webmoney.ru and hover the cursor over the “registration” button;
• after that we indicate our mobile phone number, which allows you to make secure transfers, restore access and search for a WM identifier);
• after checking the number, the system takes you to a window in which you need to write down personal data (may be useful for restoring control and full-fledged work in the system);
• we check and confirm the entered data;
• WebMoney registration ends with creating and entering a password.

After completed operations, the registered person is issued a WMID (WM identifier), which consists of 12 randomly selected characters, the first of which indicates the type of wallet.

webmoney events

Webmoney Events is an internal social network for participants in the online payment system. Each user can log in here in the usual way. The service has almost all the functions that are found in a regular social network. Users here exchange various information. It is mainly related to business activity participants in the system, but often the interests of users extend to other topics. In Webmoney Events you can create your own groups, business pages, each user has his own news feed, he is allowed to leave comments, create chats, add correspondents, and draw attention to his projects of other users , allow or restrict viewing of your personal information, etc. It should also be noted that the service is constantly developing and more and more new and useful functions are appearing in it.

PERSONAL ACCOUNT INTERFACE

To work and manage your account in Webmoney Events, there is a user menu, which is located on the left side of the page. Each item from this menu is designed to solve a specific task.

A little below this menu you can see the “services” block. It consists of service icons. When you click on any of them, you will see information about your latest actions in these services. There will also be icons for incoming letters and files.

At the top of the page near the logo you can see a bell icon - notifications from the system will come here. On the right side at the top of the page there is an avatar. When you click on it, a context menu will open with some important functions.

In the center of the page will be displayed the information that will correspond to the active item from the user menu on the left.

WEBMONEY EVENTS FUNCTIONS

Let's look at the user menu on the left side of the page.

Events is a section that will contain information:

• about your actions in various system services
• actions in groups you are subscribed to [for example discussions]
• actions of correspondents [those in your contacts] who gave you the go-ahead to view information about them.

Events in your feed that are of great importance can be pinned in the “favorites” section. To do this, you need to open a small context menu and add this event from your feed to your favorites.

You can view important events in your favorites by clicking on the special icon next to your avatar.

Tasks are a section in which Webmoney Events users can create orders for other users. They can be either paid or free. To call up a task, you must click on the “create task” field

After clicking on this field, a standard editor will open to fill in the necessary information. When creating a task, you are allowed to attach the necessary files, video files, links, etc. Any user can be a customer, performer or controller.

If the task is paid, then the movement of funds is carried out through the Mentor service, which is designed to perform tasks by Webmoney users. Messages - this section has two tabs: inbox and archive. All messages will be displayed here as they arrive. Using the context menu, any message from your feed can be archived or deleted. To write a message to another Webmoney Events user, you must click on the button "send a message"

If you need to create a chat with several users, you need to click the appropriate button.

Then you need to add contacts.

When searching for contacts [if there are many of them], you should use the search bar. Contacts - here you can add new users to your contacts if they have sent you applications. You can send applications yourself to other system participants to be added to your contacts. There is also a “recommended contacts” tab. These are the contacts of those system participants whom you have already added to to your contacts. This list is generated automatically and offered to a specific user for review. There is a search bar for convenient and quick search in your contacts.

If the user is not in your contacts, you can find him by searching the service itself or through social networks, where this user can be your friend through the “add contact” button.

Groups are communities of interest on the WebMoney Events service. You can subscribe to them [join] and, if necessary, you can create your own groups. In this section, the system will show you the top 100 most popular groups, as well as those communities to which you are already subscribed [thematic groups ]

Groups are mainly intended for conducting discussions and creating surveys for users. There are different communities: in some you can only comment, in others you can comment and create topics. Many have restrictions on business level. If you have a low level, you will not be able to create there topics, etc. Business pages are a section in which Webmoney Events participants create special pages so that other users can get acquainted with their business offers. To implement their projects, the creators of business pages can place on them buttons for financial assistance, subscriptions to news, links to external resources and use other useful functions for promotion. Users of the service can subscribe to these pages and perform various targeted actions on them. Here, as well as in groups, the top 100 most popular business pages will be offered and it will be shown which business pages you have subscribed to.

All interactive elements that the owner of the business page will install will be displayed on the right side when it is opened.

Context menu under the avatar - when you click on the avatar, a menu will open.

Here, perhaps the most important point will be “settings” with which you can configure the degree of privacy of displaying your personal data to other users. Also using this context menu you can create your own business page and exit the Webmoney Events service.

How to get a WebMoney certificate?

WebMoney certification in Belarus is carried out by Technobank OJSC. According to the terms of Belarusian legislation, only residents of the country can pass it, namely:

• individuals – citizens of the Republic of Belarus and foreigners who have received a residence permit;
• legal persons - enterprises, organizations, individual entrepreneurs registered in the territory of the Republic of Belarus;
• diplomats and other official representatives.

WebMoney passport is a digital identity card, i.e. electronic passport of the system user. This document confirms that its owner is a truly existing person. In total, there are several types of certificates, and the higher the certificate, the greater the level of trust it inspires and the fewer restrictions apply to its owner.

Types of WM certificates:

1. An alias certificate is the lowest level, which does not require personal data.
2. Formal certificate. For registration of residual passport data that no one will check (an exception may be certain services that request scans of documents).
3. Initial certificate. Reliable data from the passport will be required and subject to verification. You can send notarized documents by mail. This type of certificate gives the right to automate the acceptance of money and other capabilities. Form a legal entity. and individuals, owners of online stores. The cost of registration is 5-7 WMZ.
4. Personal certificate. Issued after verification of passport data. Allows participation in the work of a credit exchange, creation of trading platforms, and obtaining a bank card. The cost of registration is 15-20 WMZ.
5. The highest level is the Registrar's Certificate. It can only be obtained by contacting the Certification Center directly.

How to top up and cash out WMR, WMZ wallets?

Having a formal certificate, you can only add funds to your wallet in foreign currency. Most often these are rubles (R-wallet), euros (E-wallet) or dollars (Z-wallet).

Replenishment methods

This process can be carried out in one of the following ways:

Using a bank card. For the holder of a formal certificate (with an identified passport), it is possible to credit no more than 50 US dollars per day to an electronic account and no more than 1000 US dollars per month. The holder of an initial certificate has the right to credit up to 100 US dollars per day, and 1000 US dollars per month. And the owner of a personal certificate and above: 500 US dollars per day, 10,000 US dollars per month.

Algorithm of actions for transferring funds from a bank card to a WebMoney account:

• log into your WebMoney account;
• go to the “Individuals” tab, then find the “Top up” item and select “From a bank account”;
• at this stage you need to select the type of wallet to be replenished and the method of replenishment (transferring funds from a bank card is subject to a commission);
• In the window that opens, indicate the amount to top up and card details.

Tab "Individuals"

“Replenishment methods” tab

Window for filling out card details
By transferring funds from the electronic wallets of your friends or acquaintances. Through such exchange offices as Okpay, Payeer, etc.

Below are the conditions for replenishing R, E and Z wallets.

Ruble wallet Dollar wallet

Euro wallet

Withdrawal methods and WebMoney commission

Belarusian WebMoney users can work with wallets in various title units and easily pay for all kinds of purchases on the Internet. But they are not able to withdraw funds officially.

Unofficial withdrawal methods:

• using cards: Visa, Mastercard, AdvCash, Yandex.Money, Epayments;
• using exchangers;
• make a transfer with a security code.

Money in foreign currency can be withdrawn using a special service ePayService. After registering with it, you can order an ePayService card, which allows you to legally withdraw money. The WebMoney commission will be 0.8% of the transfer amount, and the ePayService service will be 1%. For cashing out money from an ePay card at ATMs of Belarusian banks, you will pay a commission of about 3%.

The maximum commission fee in WebMoney is:

• US$50;
• 50 euros;
• 1500 rubles.

Below are the conditions for withdrawing funds from R, E and Z wallets.

Withdrawing dollars

Euro withdrawal

Withdrawal of rubles

How to get an initial WM certificate in Belarus?

If you obtain an initial certificate for the WebMoney electronic wallet, you can easily transfer and receive Belarusian rubles (WMB). Sequence of operations to obtain an initial WebMoney certificate in Belarus:

• upload page scans of the last 2 pages of the passport to the system website (select the “Uploading documents to the server” section);
• wait while the check is performed;
• submit an application electronically: passport.webmoney.ru.;
• take your passport and photocopies of the last 2 pages, write down your WMID;
• visit the registrar (addresses of centers can be found here: wmtransfer.by/attestat_phys.asp);
• We make payment (about 30 Belarusian rubles);
• fill out the application in blue ink (the form can be downloaded or asked from a bank employee).

Video

The video shows in detail the process of obtaining an EPS certificate in Belarus. Filmed by HanDi channel.

Related posts:

1. How to deposit money into a WebMoney wallet through the terminal?
2. How to open a WMZ wallet in the WebMoney system
3. Getting to know the Webmoney wallet: first steps in the payment system
4. All about how to top up your WebMoney e-wallet
5. How to change your old mobile phone number in WebMoney: methods and possible difficulties

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Related posts:

1. How to deposit money into a WebMoney wallet through the terminal?
2. How to open a WMZ wallet in the WebMoney system
3. Getting to know the Webmoney wallet: first steps in the payment system
4. All about how to top up your WebMoney e-wallet
5. How to change your old mobile phone number in WebMoney: methods and possible difficulties

How to deposit and withdraw funds from WMB?

Users in Belarus have the opportunity to create various WebMoney wallets. However, as for replenishing funds, this is only possible through a Belarusian WMB account. It is impossible to transfer funds to ruble and foreign currency accounts.

You can top up your WebMoney account using one of the following methods:

• go to the cash desks of banks that accept payments through the ERIP system, including Technobank;
• using an information kiosk, ATM, terminal;
• using a VM card (also allows you to pay for purchases without opening an electronic wallet), which can be purchased in Minsk at some branches of Technobank, and in electronic form on the Belpay.by web resource;
• visit a branch of any bank located on the territory of the Republic of Belarus, where you can make a bank transfer, which will be completed within 3 to 5 days;
• if you have a personal passport, then using a Visa or MasterCard through the E-Pay resource.

Only owners of wallets with an initial or personal passport can withdraw funds in one of the following ways:

• transfer to the bank account of the owner of the wallet;
• transfer funds to a bank card;
• transfer money to a WebMoney payment system card.

Each of these options involves various types of commissions and fees. Tariffs may vary as they are set by banks, exchange offices and payment systems. To cash out funds in the Republic of Belarus, you will have to pay 4%; they charge less at Technobank (2%).

Transactions in the WebMoney electronic system are carried out within the daily limit. You can clarify the conditions in the wallet properties.

What is WM?

WebMoney is one of the largest payment services, which has several divisions:

• currency exchange;
• issuance of certificates (passports);
• secure mail;
• credit service;
• payment service;
• interaction with the banking sector.

It is very convenient for a system resident to be part of this closed cycle. When income is received into your account in the system, you can immediately make purchases, pay bills or exchange currency.

The remaining funds can be easily withdrawn to a card of a bank that cooperates with WebMoney. And financial surplus can be used for growth by borrowing at interest.

This payment system can become a platform for creating an online store in which payments will be transferred to a bank account. Creative people can publish their work using the system (for example, publish a book), and receive a fee in a WebMoney wallet.

List of WM options for business

That is why many remote employees of foreign and Russian companies use Webmoney as their main means of payment. With this system, money from the employer goes directly to the employee’s account with a fixed commission.

Security of the WebMoney electronic system

The WebMoney service is famous for its high level of user protection. In this regard, in terms of reliability it can be compared with a state bank. The system assumes several types of authentication:

• files with private keys;
• through personal digital certificates;
• entering your login and password.

It is impossible to determine the numbers of WebMoney wallets in Belarus using the WM identifier. The owner of the wallet configures the data with the support of the WM Keeper program and has the ability to make sure that other WebMoney Transfer users do not see their first name, last name, E-mail or postal address (selectable). In addition, the user can install not one, but several versions of WebMoney Keeper on his computer in order to visit the system using different WM identifiers.

Other services also make the transaction more secure. Let’s say you can select “Protection by code”, then the second participant in the transaction receives money only after entering a special digital code. There is also “Time Protection”, which allows the recipient to use the funds after a certain date specified by the sender.

WMB registration

The equivalent of the ruble in Belarus is the WMB box. It is also possible to make wallets such as WMR, WME, WMZ, etc. The operation of adding a virtual wallet is to allow the mini.webmoney service participant ID to perform actions with the wallets you need. In the future, you will be able to work with them in WebMoney Keeper Standard (Mini).

If you previously managed your electronic wallet through WebMoney KeeperWinPro (WMKeeperWebPro), then in order to create a wallet in WMKeeperStandard you must:

1. Log in to WebMoney Keeper Standard.
2. Open the “Finance” section.
3. In the “Wallets” tab and click on the “Add wallet” line.
4. Select WMB wallet type.
5. Click on the “Add” button.
6. Enter the confirmation code sent via SMS.
7. Click on the “Add” button.

Window for adding a new wallet

Data verification and confirmation window

Types of purchases via WebMoney wallet

Using a WebMoney wallet, users can pay for various goods and services on the Internet without leaving the walls of their own home or workplace. You can pay for mobile communications, Internet services, housing and communal services, games and much, much more. The list of available payments in Belarus can be seen in your own account.

In addition, this is a convenient means of payment for working on the Internet as a freelancer. In this case, you can receive money to an electronic wallet and withdraw earned funds to a card.

It turns out that the possibilities of WebMoney are great and varied. But here you need to remember one important condition: to get maximum opportunities, you need to create WebMoney with a certificate no lower than the initial one.

Restrictions on electronic money transfers in Russia

In 2014, the law introduced restrictions on the volume of electronic money transfers. Owners of non-personalized electronic wallets can make payments for no more than 15 thousand rubles, and the total balance on their accounts cannot exceed 40 thousand rubles. per month. However, owners of such wallets cannot make transfers to other users.

Why administrators won't notice the migration of data to the clouds

Clouds

Holders of wallets that have undergone simplified identification (online) can make transfers in an amount of no more than 60 thousand rubles. The total balance on their accounts should not exceed 200 thousand rubles. Owners of electronic wallets who have been identified online should not have more than 600 thousand rubles in their accounts. at any given time. In 2022, lawmakers also banned adding cash to non-personalized wallets.

Which is better Qiwi or WebMoney

Features of WebMoney:

• Suitable for microtransactions, with the possibility of expansion, but only after receiving certificates.
• Complicated registration. The system requests a lot of data.
• International payment system.
• Cluttered interface, which often confuses newcomers to using the system.
• Wide range of options for replenishing your account and withdrawing money.
• Supports a large number of currencies.

Features of Kiwi:

• It has a simpler way of working; restrictions are lifted after transferring money or paying for services.
• An easy way to register.
• The service is distributed only in Russia.
• A clearer and simpler interface.
• Replenishment occurs only through a terminal, mobile phone, or bank card.
• Limited options for withdrawing money.
• Works only with rubles.

Thus, the Qiwi system is designed for Russian users who use electronic money to pay for purchases on the Internet or various services. WebMoney, despite its complex identification system, is an international payment system. It offers different currencies, which is convenient if people work on different projects remotely.

Webmoney exchange – Webmoney exchange

The service is suitable for exchanging currencies and title units in the WebMoney Transfer system between its participants. The following types of exchanges are available:

• Guaranteed mutual exchange of title units of the system.
• Bilateral exchange of title units for rubles, hryvnia, Belarusian rubles and other currencies using bank transfers from card to card, to other electronic payment systems, including Yandex. Money, Qiwi, Skrill.
• Two-way exchange of cryptocurrency to different payment systems.
• Translation of WebMoney title units to Westunion, Zolotaya Korona, Russian Post and many others.
• Translation of title units using bank transfers.

The service operates on the principle of an exchange, the exchange is carried out only after making an insurance premium (2% of the transaction amount), which is refundable. The insurance premium is charged in VM title units or in cryptocurrency.

Automatic exchange

Takes place on the website. You need to leave your request to exchange WebMoney title units.

Best course

On the service’s website, before exchanging, you need to see what rate is offered by exchange participants. This can be seen from the table published on the website and changing in automatic mode.

How to transfer from WebMoney to Qiwi

To do this, you need to link a Qiwi wallet in your WebMoney account, and then link a WebMoney wallet in the Qiwi wallet.

After this, it will be possible to carry out mutual transfers of funds between wallets. The commission will be 3%.

Note! The operation is possible if the phone number specified in the WebMoney passport matches the one listed for the QIWI wallet. Only WMP is available for mutual binding, i.e. WM wallet in Russian rubles!

Without mutual linking of wallets, you can top up a VM via Qiwi via webmoney.exchanger. Don't forget to select the currency to exchange.

Check out the offers and choose the one that suits you.

Next, you need to follow the system prompts so that the money goes to the desired account.

Exchange PayPal to Webmoney

The exchange is made through an application to change the title units. Exchange is possible only if there are counter offers. If a suitable application is found, the “start exchange” button is pressed.

The transaction will be completed only when the counterparty transfers the exchange amount to the PayPal account.

How to transfer money from WebMoney to Yandex

All System participants have access to the mutual exchange of WM to the Yandex.Money wallet and back using the Emoney.Exchanger section or authorized exchange offices.

For a successful exchange, you need to link your Yandex.Money wallet in your personal account of the Exchanger service

Withdraw WebMoney to a Belarusbank card

So, the website wmtransfer.by lists the following available methods for withdrawing money from WMB wallets:

Please note that withdrawals are only available for identified wallets.

If the wallet is in a different currency (not BYN), then you will have to resort to the help of exchangers. We are looking for suitable exchangers on the website www.bestchange.ru, having first selected in the menu on the left what we will exchange for what (in our example, WMZ to a Belarusbank card).

Next, go to the exchanger’s website, we chose BazarMoney as an example, indicate the transfer amount, card number and other data.

Waiting for translation.

Types of certificates

In order to separate the functions of the system, make it more understandable and increase the level of security, a certification system was developed. Certificates allow you to determine the level of trust in the user - each of them opens up a certain number of opportunities.

The five types of certificates most commonly used are:

1. Nickname.
2. Elementary.
3. Formal.
4. Personal.
5. Registrar.

Not only the functions of the wallet, but also its limits depend on the certificate. Only holders of formal and higher certificates will be able to withdraw money from WebMoney.

How to delete webmoney account

All WMID owners can refuse service. The opportunity is provided in the absence of outstanding loans, claims and lawsuits.

Removal procedure:

• Withdraw funds from all wallets.
• Pay off all loans.
• Check the presence or absence of claims and complaints by number.
• Go to the “refuse service” section in the keeper. An application to delete an account is completed on the website, you need the “Security” tab.
• Confirm the decision via SMS or E-NUM.
• Messages will be sent to the keeper’s email and internal system stating that the service will stop in seven days.

The email will contain a link that will allow you to cancel the selected action. If cancellation does not occur, then the account will be deleted after seven business days. Notification of service termination is sent by email after the specified period has expired.