The Perfect Money payment system was created in 2007 by an international team of developers. The primary task was to implement the most reliable and secure system for storing and transferring money.
Startup Research & Investments LTD. managing the activities of the payment system, is registered in Hong Kong, but a license to carry out financial activities was obtained in Panama, which is one of the international offshore zones.
The choice of jurisdiction is determined by the peculiarities of local legislation. The fact is that the blocking of PM client accounts is carried out only by decision of the Panamanian court. And since the payment system itself is quite loyal to its clients, you don’t have to worry about the safety of your account.
Like any payment system, Perfect Money can be used for money transfers, paying for goods in online stores and other standard operations. At the same time, there are reports that PM is also used to launder funds obtained through illegal methods. According to some observers, in this regard, the system has occupied a niche in which, until 2013, Liberty Reserve was the leader, closed by decision of the US authorities. Perhaps it is precisely because of this precedent that Perfect Money categorically refuses to work with individuals and legal entities from the United States.
1.About the Perfect Money system and its capabilities
For what purposes can I use Perfect Money?
The Perfect Money system is universal in its use and was conceived as a perfect means of payment on the Internet. Using the Perfect Money payment system, you can:
- make money transfers between users;
- accept payments in various business projects on the Internet;
- make regular payments online;
- securely store funds in an electronic account, receiving interest;
- pay for goods and services in online stores
In what currencies are the money of system clients stored?
The user account is multi-currency and is represented by three types of accounts:
- USD;
- EUR;
- GOLD.
What features does Perfect Money have?
Perfect Money provides a wide range of opportunities, more details about which can be read in the Opportunities section.
How to become a Perfect Money client?
To become a Perfect Money client, you must register in the system.
What is Perfect Money
A little earlier, we already discussed what Perfect Money is. We found out how Perfect Money appeared and how reliable this system is now. You can find out all the details about the history of the creation and formation of “Perfectok” in this special article.
For those who would like to save time, let me tell you briefly again.
The system was invented and created in 2007. The developers of Perfect Money were originally a group of enthusiasts led by Andrew Draper. The idea of the payment system is to make transactions fast, secure and at the same time cheap.
As a matter of fact, this is how the system turned out. Unlike even bank transfers, Perfect Money works much faster, commissions in some cases are several times lower, and neither bankers nor tax authorities see payments.
Literally from the very first days of work, people appreciated the benefits of Perfect Money. And for more than ten years now, the number of clients of this system has only been growing.
Today, Perfect Money is one of the most popular payment systems for financial transactions on the Internet.
Registration and login
How to register?
To register in the Perfect Money system, you need to click at the top of the main page Registration and then enter your data.
What exactly are the differences between a Personal and Business class account?
Personal account is opened for individuals. Business account is intended for legal entities.
What are the differences between a Premium and Partner account?
Premium account is a type of account with privileged features, which include 2% on withdrawals from the account by bank transfer and priority treatment when performing all operations for depositing and withdrawing funds. Partner account is the most privileged type of account, which means a high degree of trust to the client and his business. Among the unique features of this type of account are: 1.5% on withdrawals by bank transfer, 1.5% on deposits from the Pecunix payment system and 8% per annum on the minimum account balance for the month.
How to get Premium status?
To obtain Premium status, you must be a user of the system for at least 3 months and deposit $50,000 or more into your account.
Why does the system give an error during registration?
This is possible due to maintenance work on the site server, try again in a few hours.
Why don't I receive an account activation email after registration?
You probably entered an incorrect email address when registering, or your mailbox filters do not allow automatic emails sent by the system after registration is completed. Perhaps the letter will reach you within a few hours. If this does not happen, register again using a different e-mail.
What should I do if the system does not accept the login password or the login password is lost?
You must send your Member ID and a scanned copy of your identification document. After checking your personal data with the data you specified during registration, the password will be sent to the e-mail address specified during registration.
Is it possible to have multiple accounts for one IP?
Yes, but all accounts must contain the same personal information.
What precautions should I take when logging into my account?
First of all, make sure that the URL is entered in the address bar of your browser: https://perfectmoney.com If possible, try to use the on-screen keyboard, this will protect you from the possible theft of your access data by spyware. Remember that when logging into your account, you must enter only your login, password and verification code to protect against robots. We never ask you to enter your e-mail address and password when logging into your account. If you see something like this, it means you are not on the Perfect Money website, but on a scam site.
Using a terminal
The method is only for Russia and Ukraine. To deposit electronic currency into perfect money using the terminal, you need to create an application in advance. The procedure for creating an application is described above.
Save everything that is written that needs to be saved, and enter in the terminal. Amount and order number. Please pay attention to replenishment deadlines!
Is it possible to do without commission?
Among all the above, you can top up Perfect Money without commission by bank transfer, bitcoin transfer or using a voucher. When using exchangers, you will have to pay a service fee. But it is not the payment service itself that charges it, but partner companies. Let's consider each method in detail.
Through Sberbank Online
Only those users who have passed the identification procedure can top up Perfect Money via a bank card (this is required by law). There is one more restriction - the minimum replenishment amount is $300. But with all these restrictions, there is an important plus - the absence of commission.
Let's take a step-by-step look at how to top up your account from a Sberbank card:
- We go to the personal account of the payment system.
- Select the “Input” section in the top menu.
Internal transfer
What account number should I use to receive money?
To transfer funds, your account number is used, not your ID number. You must use the account number of the appropriate currency: “U” for dollars, “E” for euros, “G” for gold. All account numbers are displayed on the main page of the client area.
What is a recipient list and why is it needed?
The recipient list is a feature that is created for the convenience of users who want to store their recipients' accounts within the system in an organized manner.
What is the difference between a single payment and a scheduled payment?
A single payment is made once, for a certain amount and is delivered instantly. Scheduled payment is a function that allows you to send funds to a specified account, on dates you specify, with a specified frequency.
Is it possible to return the payment back?
Payments made through the system are non-refundable.
How to send money to a mobile phone?
To send money to a mobile phone, you must indicate the payment amount, the account from which you want to transfer funds and the mobile phone number. The recipient of your payment will receive an e-Voucher number on their mobile phone, by entering which they will be able to credit funds to their account.
How to send money by email?
You can send money by E-mail to a person who does not even have an account in the Perfect Money payment system. To do this, you need to enter the recipient's e-mail address, the amount and the account from which you are sending money. The recipient will receive a letter by e-mail with a special link, through which you must go to the Perfect Money website, register, and then the funds will be credited to your account.
How do I find out what commission I pay for an internal transfer?
To find out the commission for an internal transfer, fill out the form on the transfer page, then click the Preview button and the commission will be indicated on the page that opens.
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).
Exchange
Why should I exchange one currency for another?
In an environment where foreign exchange markets are highly volatile and exchange rates change dramatically throughout the day, currency exchange can be profitable. By exchanging one currency for another, you can earn or save your savings.
How do I know if I am in the black after exchanging currency or if I am incurring losses?
The Perfect Money analytical service allows you to find out whether you are making a profit after exchanging currency or whether the operation was unprofitable. To do this, you need to go to the Exchange Analytics section, the link to which is located at the bottom of the screen in the Exchange section. In this section you can view analytics for each exchange transaction.
How to navigate currency trends?
To make your currency exchange activities more effective for you, you can view analytics and news on the foreign exchange market in the Analytics section, and also enable notifications about exchange rates that will be sent to you directly by e-mail or mobile phone.
How to turn off notifications?
This function is configured in the Notifications section of the Settings section.
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.
Enter
Questions that may arise when depositing funds by bank transfer
What needs to be done to deposit money by bank transfer?
First of all, you need to create a deposit order on the website. To do this, you need to go to the “Input” section, select a transfer through a bank and fill out the form data. Then you should transfer money to the details specified after creating the order. In the notes to the transfer, it is recommended to indicate the internal number of the order under which the system saved it.
Where can I find out the bank details to which I need to transfer money?
Bank details are shown after a deposit order is created. Money should be sent only to the details shown by the system. We use several bank accounts, so the details may be different each time.
What is the minimum deposit amount by bank transfer?
At the moment, the minimum amount is 1000 US dollars or the equivalent in another currency. The minimum amount may vary, see the Commission section for more details.
How long does it take to transfer money through a bank?
Usually, the money arrives to us within 3-5 business days after the transfer. The money is credited to your account immediately after we receive the transfer from your bank.
From which countries can you make a bank transfer?
We work with all countries except Iran, Iraq, Nigeria, North Korea.
For what reason is the credited amount slightly less than the amount sent?
We do not charge fees for bank transfer deposits, but the sending bank and intermediate banks sometimes charge a fee for the technical execution of the transfer.
What should I do if the deposit is not credited within 5 business days after the date of dispatch?
Sometimes the money transfer takes longer than 5 days. Contact support and notify of the delay. Check whether the real (bank) name of the money sender matches the name of the sender that you specified in the order.
Is it possible to transfer money in parts, in several transfers?
No, you need to transfer exactly the amount that was specified when creating the order. Otherwise, problems may arise with identifying your deposit.
Questions that may arise when depositing funds via e-Voucher
What is an e-Voucher and where can I purchase it?
An e-Voucher is a special code with which you can top up your account. You can also transfer or sell this code to any other person, who can use it to fund their account at any time. You or any other Perfect Money client can instantly create an e-Voucher in the Withdrawal or Statement section.
How to top up your account using e-Voucher?
To top up your account using e-Voucher, you only need to enter its number and activation code in the appropriate fields. Account replenishment is carried out instantly.
Questions that may arise when depositing funds through an electronic payment system
Which payment systems can be used to make a direct deposit to Perfect Money?
At the moment, we only accept direct transfers from the Pecunix system. To make transfers from other payment systems, you can use the services of exchange offices. The list of our certified partners is always available on this page: https://www.perfectmoney.com/business-partners.html
How long does it take to deposit money from Pecunix?
Money is credited to your account automatically upon receipt of your transfer from Pecunix.
Questions that may arise when depositing funds through exchange offices
Where can I see a list of exchange offices working with Perfect Money?
The list of our certified partners is always available on this page: https://www.perfectmoney.com/business-partners.html. We strongly recommend using exchangers only from this list.
What is the commission for transferring money through an exchange office?
Each exchange office sets its own tariffs; you can usually find them on the website of a specific exchange office.
I transferred money to Perfect Money through an exchange office that was not included in the list of certified ones, but the money did not appear in my account.
Recently, many scammers disguise themselves as exchange offices, so we strongly recommend that all clients use only certified exchange offices, in the integrity of which we are confident. When money is transferred to you, it always appears instantly in your account.
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.
Conclusion
Questions that may arise when withdrawing funds by bank transfer
What do you need to do to withdraw money to your bank account?
To do this, you need to go to the “Withdrawal” section, select a transfer through a bank, and then fill in all the necessary data. You can obtain all data from your bank operator. If all fields are filled in correctly, a withdrawal order will be created in the system. Within 24 hours of creating the order, the money will be sent to your bank account.
How long does it take to withdraw money by bank transfer?
We send money within 24 hours after the order is created, but usually the money reaches the client within 3-5 business days after the moment of sending.
What is the minimum amount for withdrawal via bank transfer?
At the moment, the minimum amount is 1000 US dollars or the equivalent in another currency. You can find out more in the Commissions section.
What is the maximum amount for withdrawal via bank transfer?
There is no maximum limit, but when transferring very large amounts, the bank may require that the recipient's account have corporate status.
To which countries can I make a bank transfer?
We work with all countries except Iran, Iraq, Nigeria, North Korea.
Why doesn't the system allow you to place an order to withdraw the entire amount from your account?
The withdrawal fee is deducted from the account balance, so you need to indicate the amount taking into account that the amount required to pay the fee remains in the account.
My bank does not work with IBAN, how should I place a withdrawal order?
In this case, simply enter your bank account number in the IBAN field.
Is it possible to order a bank transfer to someone else's account?
You can withdraw money to any bank account, the main thing is that all the recipient’s details are entered correctly.
What should I do if the money does not arrive in my bank account within 5 business days after sending?
Sometimes the money transfer takes more than 5 days. Contact support and notify of the delay. The withdrawal order may have included an incorrect account number and/or payee name, which is preventing the bank from crediting the money to your account.
Questions that may arise when withdrawing funds via e-Voucher
How can I create a new e-Voucher?
You can easily and instantly create new e-Vouchers in the Withdrawal section of our website. To create an e-Voucher, you need to enter the desired amount and select the account to pay.
How can I use the received e-Voucher in the future?
You can use your e-Voucher entirely as you wish. For example, sell it for a profit, transfer it to a third party as payment for work, another service or product.
Questions that may arise when withdrawing funds to an electronic payment system
To which payment systems can I make a direct transfer from Perfect Money?
At this time, transfers to other systems can only be made using exchange offices.
Questions that may arise when withdrawing funds through exchange offices
Where can I see a list of exchange offices working with Perfect Money?
The list of our certified partners is always available on this page: https://www.perfectmoney.com/business-partners.html. We strongly recommend using exchangers only from this list.
Is it possible to withdraw money by bank transfer using exchange offices?
Yes, among our certified partners there are those who accept and send direct bank transfers.
What is the commission for withdrawing money through an exchange office?
Each exchange office sets its own tariffs; you can usually find them on the website of a specific exchange office.
I made a withdrawal transfer from Perfect Money through an exchange office that was not included in the list of certified ones, but the money did not appear in my account. What to do?
Recently, many scammers disguise themselves as exchange offices, so we strongly recommend that all clients use only certified exchange offices, in the integrity of which we are confident. When you transfer money from your Perfect Money account, it is always credited to the recipient instantly.
Questions that may arise when withdrawing via Pre-paid cards
What are Virtual Visa cards?
These are payment cards that you can use to pay for various goods and services on the Internet. We do not send you a physical card, but we provide you with all the data necessary to fully use Virtual Visa as a replacement for a plastic card when making payments online.
Advantages and disadvantages
Let's go over the main advantages of this payment card:
- a meager commission, namely 0.5% for people who confirmed their first and last names (for those who did not, it is 1.9%);
- instant transfers, there are no limits on transactions;
- one of the most pleasant bonuses is the accrual of interest on funds stored in the wallet: 4% per year or 0.33% monthly;
- the site supports 22 languages;
In addition to all this, Perfect Money has an increased security system, which consists of several stages: verification via IP, card with codes and authorization via SMS.
If you transfer funds from your wallet, it will be impossible to cancel this operation. There is no way to get your money back. This is the main disadvantage of this EPS. Be careful!
Internal mail
What messages can I receive or send in the section?
You can receive messages from the system administration in this section, or you can write messages to the administration yourself. You can also receive letters after purchasing Pre-paid cards, which will duplicate the card data that was shown to you at the time of its purchase.
How to send SMS to any phone in the world?
From the Internal mail section you can use the service of sending SMS to the mobile phone of any subscriber. To do this, click on the link and fill out the required fields. A fee is charged for sending SMS, the amount of which is described in the Fees section.
Is it possible to send a message to a Perfect Money user knowing only his account number?
At the moment such a service is not available.
How to top up your wallet?
There are 2 ways to top up your Perfectmoney account:
Method 1. Built-in input methods on the Perfect Money website.
You can deposit money into a perfect money wallet through:
- Bank transfer (minimum deposit amount $300);
- e-Voucher (no commission);
- PM partner exchange offices;
- Bitcoin cryptocurrency (0% commission);
- Credit exchange.
Go to Perfect Money
Method 2. Through independent certified online exchangers.
The popular monitoring of exchangers BestChange.ru will tell you how best to deposit money on Perfect Money and save on commissions.
On the service’s website, we indicate where we are transferring money from and to, and we receive a list of certified reliable exchangers that support a given direction.
Safety
User IP authentication
How does user authentication work?
Every time an attempt is made to log into an account from an IP address that differs from the one from which the IP identification function was enabled, or the browser settings are changed, the system sends a special PIN to the client’s e-mail address, which must be entered to confirm identity and login. to your account.
The PIN arrives by email, but when entered, the system claims that it is incorrect, what should I do?
The PIN may be arriving in your mailbox too late. You can contact support and ask to send the code to a different e-mail address.
The PIN never arrives in the mailbox.
It is likely that your email service is blocking automated emails sent by our system. Please contact support and request that the PIN be sent to a different email address.
I have lost access to my mailbox.
Please contact support and request that the PIN be sent to a different email address.
I tried to enter my PIN several times, and now the system says that my account is blocked.
The system automatically blocks the account if several attempts are made to enter an incorrect PIN. The account will be automatically unblocked after a few hours.
SMS authorization
How does SMS authorization work?
Every time you try to log into your account, the system sends an SMS message to the client’s mobile phone, which contains the PIN required for authorization. Each SMS message costs 10 cents.
SMS stopped coming to my mobile phone.
Your mobile operator may be blocking messages from us. Please contact support and ask to disable SMS authorization.
I lost my mobile phone and now I can't log into my account.
Please contact support and ask to disable SMS authorization, or change the phone number to which the PIN is sent.
Crypto card
How does code card protection work?
When you enable this option, a graphic image containing a set of codes is sent to your e-mail address. The system will require you to enter a code during each money transfer transaction.
I lost the message containing the code card. What to do?
Contact support and ask them to resend the code card to your e-mail address.
Notifications
How to configure notification delivery?
This can be done in the Settings section of your account. By going to the special Notifications section, you can configure a large number of types of notifications.
Where can notifications be sent?
Notifications can be sent by email or to your mobile phone in the form of SMS.
Why don't I receive notifications even though I have this feature enabled?
There could be several reasons for this. Firstly, transaction notifications may not be sent if the transaction amount does not exceed 5 USD. Secondly, there may not be enough funds in your account to send SMS, because the service costs 10 cents. If neither one nor the other reason explains the lack of notifications, please contact support; there may be temporary problems with SMS delivery to your telecom operator.
How can I turn off help prompts that pop up in my account?
This can be done in the Settings section, in the lower left corner of the screen, next to the account owner’s personal data fields.
Public account information
Why is the public data display function needed?
This function will be useful for those types of businesses that work with finance and clients who need to demonstrate that the state of your account is trustworthy and, for example, large sums are stored on it to insure any risks of users.
How to set up display of public data in your account?
This can be done in the Settings section of your account. By going to a special section, you can make public exactly the data you need.
How to show people your public data?
To do this, copy the special link from the section for setting up public data about your account and install it on your website. On the same page you can find out the public data of any Member ID, if any.
Subaccounts
Why are subaccounts needed?
You can create up to three sub-accounts for your account, which will allow your partners, counterparties or your personal accountant to have access to the account in order to know the status of your accounts and their statements. Subaccounts allow you to more effectively manage finances, keep track of funds and do business on a transparent basis.
How to create a Subaccount?
Subaccounts are created in the Settings section in the Subaccounts subsection, where you must select the account for which you want to create a subaccount.
How to log into a subaccount?
Login to the subaccount is carried out from the same section from which you log into a simple account, that is, from the Login section.
affiliate program
How to find out your referral link?
Your referral link looks like: https://perfectmoney.com/signup.html?ref=XXXXXXX, where XXXXXXX is your Member ID
What percentage does the referrer receive from his referrals?
We pay 1% per annum on the minimum monthly balance on each referral's account.
How often are payments made under the affiliate program?
Payments are made at the end of each month.
Where can I see payments from the affiliate program?
Payments from the Perfect Money affiliate program can be viewed in the History section at the top of the section. There you can see the list of referrals.
API Questions
How to install the API?
To install the API on the site, go to the Settings section and read the installation instructions. The instructions contain complete information on how to install the API.
Why might the API not work?
Check to see if you have installed the API but haven't enabled the feature in the Security section at the bottom of the screen. In addition, to enable the API, you must enter an alternative access password in the “Settings” section, otherwise the API will not work. It may also be that you have installed or configured the API incorrectly. If you cannot resolve this issue, please contact support.
How to configure the API IP mask?
This can be done in the security section next to the API enable feature.
Questions about tariffs, commissions and payments
What is the fee for depositing money by bank transfer?
At the moment we do not charge fees for bank transfer deposits, but intermediate banks may charge some fees for the technical execution of the transfer.
What is the fee for withdrawing money by bank transfer?
Currently the commission is $50 + 3% of the total amount (but not more than $1000). The commission is deducted from the sender's account balance. You can always view all current commissions in the Commissions section.
What is the commission for transferring money to another account in the system?
The commission is 0.5% of the transfer amount. The commission is always debited from the sender's account balance.
How exactly does the system calculate 7% per annum?
7% per annum is accrued monthly, i.e. every month the system accrues 0.58% of the minimum balance in your account for that month. For example, if your account had a balance of $1000 for a whole month, at the end of the month $5.8 will be credited.
You can exchange RUB for Sberbank:
- Bitcoin Cash (BCH) to Sberbank RUB
- Litecoin (LTC) to Sberbank RUB
- Raiffeisen UAH to Sberbank RUB
- Ethereum (ETH) to Sberbank RUB
- Bitcoin Cash (BCH) to Sberbank RUB
- Polkadot (DOT) to Sberbank RUB
- Payeer RUB to Sberbank RUB
- Tether ERC20 (USDT) to Sberbank RUB
- Cardano (ADA) to Sberbank RUB
- Litecoin (LTC) to Sberbank RUB
- Bitcoin (BTC) to Sberbank RUB
- Ethereum Classic (ETC) to Sberbank RUB
