Hello, dear readers of the KtoNaNovenkogo.ru blog. This is another article dedicated to the most popular electronic money system in RuNet. In previous articles, we learned how to register and log in to WebMoney, how to manage your wallets through Keeper Classic, or Keeper Mini), or Light).
In general, speaking about working with electronic currencies and how to make money on the Internet (20+ ways are described here), I want to remind you of the possibility of hacking WebMoney. Therefore, I advise you to definitely connect protection to your account using Enum authorization.
WebMoney exchange and its advantages
What services does the WebMoney exchange offer? You can cooperate with one of the many official exchange offices that transfer funds between WM wallets. It often happens that users of an electronic payment system need to withdraw money to a debit card or cash it out in another currency. It makes no sense to make a double exchange; you will only lose on the exchange rate difference.
Using the services of an exchanger is simple - just fill out the order form and follow the step-by-step instructions. If the user has questions, you must contact a consultant online.
Transfer options within the system
Transferring money in the Webmoney payment system is carried out instantly. You can do this in three ways:
- in your personal account on the website;
- in the Keeper Classic program;
- in the mobile application.
EPS is international and supports 13 types of currencies. The following notations are used:
- WMZ - American dollar;
- WMR, WMP - Russian ruble;
- WME - euro;
- WMB - Belarusian ruble;
- WMU - Ukrainian hryvnia.
Since the system interfaces of the program, application and personal account are different, each option will be considered separately.
In your personal account
The web version of the keeper is convenient for correspondence with technical support, other users and transactions for small amounts. To transfer money to WebMoney, you need:
- Log in to your account on the official website.
- Select transfer to wallet.
- Enter the wallet number, identification number or recipient's mailbox. Specify the amount, currency, short note (destination of the item) and transaction type (regular). The system will immediately calculate the commission.
- Check the data, enter the verification code from SMS and send money.
To use the transaction confirmation service, you need to register on the website https://www.e-num.ru/, indicating your e-mail. In the future, it will be used to link the generator program on the phone to the client’s account.
Via Keeper Classic installed on your PC
The classic version of the keeper provides maximum protection of money in the account and requires a special key file to operate. Transfers to a Webmoney wallet via a desktop program are made according to the following algorithm:
- Log in to your wallet using WMID, password and keys.
- Right-click on the wallet from which you want to transfer money.
- In the drop-down menu, select the transfer of banknotes to your WebMoney wallet.
If for unknown reasons the payment does not go through, then you should refer to the error section three subheadings below.
In the mobile application
The mobile version of the keeper is used to track incoming transactions, correspondence and small payments. There are versions for iOS, Android, Blackburry, Windows Phone. To make a transfer in the WebMoney application, you must do the following:
- Log in to the keeper on your phone using WMID, password and code from SMS.
- Tap on the “Translate” function in the lower left corner of the screen.
- In the menu that opens, select the “To Wallet” direction.
- In the transaction window, enter the recipient's data, amount and currency, a short note (what the payment is for) and indicate the usual type of transaction. The commission will be calculated automatically.
- Webmoney should be transferred only after carefully checking all entered data to avoid errors. The operation is confirmed by a fingerprint, a code from a PUSH message or SMS.
You cannot download the official application from third-party sites, as it is highly likely that it will also turn out to be a hacking program.
About the features of transfers between WMP and WMR wallets
On August 1, 2022, the process of replacing WMR wallets with a new type - WMP - was launched. In connection with the requirements of the Federal Law “On the National Payment System”, only residents of Russia with a TIN having a formal identification number or higher can use it.
When all R-wallets reach a zero balance, they will be automatically transferred to the archive, and registration of new ones will not be possible. Citizens of other countries will need to renew the contract for servicing the WMR wallet.
The commission for transferring from one type of ruble account to another is 0.8%, but not more than 1,500 rubles.
WMP has not yet appeared in most services (terminals, online banking, etc.). All transfers must be sent to WMR, since the money will end up with the user in any case. The main thing is not to confuse the numbers.
Money sent from Sber to a phone number now arrives in the form of WMP.
You cannot send rubles to another person in the WMR - WMP direction.
WebMoney exchange exchange
The WebMoney exchange exchange gives us many advantages. Among them, the following should be highlighted:
- exchange rates are formed based on supply and demand;
- it is possible to exchange and withdraw any amount;
- If there are not enough funds in the limits of the exchange office, you can make a preliminary order.
There are specialized sites on the Internet that provide comparative monitoring of all exchange offices. There you just need to enter the direction of exchange and indicate the required amount. You will receive a list with an exact indication of where it is most profitable to make a transaction, taking into account all additional commissions.
How to make money on WebMoney by exchanging currencies?
Earnings from currency exchange in the WebMoney system are based on the difference between exchange rates. The principle of such earnings is the same as on any other real or virtual currency exchange: title units in one of the currencies are bought cheaper in order to then sell these title units in another currency at a higher price. For example, a seller offers a certain amount of WMR and is ready to take a certain amount of WMY for them. The main difference from other currency exchanges is that anyone can use the WebMoney exchange independently, without any intermediaries. How to make money on WebMoney by exchanging currencies - carry out transactions in a currency whose rate is easy to predict.
Speed of operations
When performing an exchange through the WebMoney exchange, the speed of the operation depends on a number of factors. Firstly, if the application is created by the user himself, then you can wait up to 180 days for an exchange. The request will remain on the platform website until another user accepts it. And here everything depends on the rate and amount specified by the person.
Important. In order not to wait a long time for the application to be completed, it is better to indicate a rate acceptable to other users.
If the exchange is carried out based on an available order created by another participant, the operation is performed instantly. It is enough to pay the specified amount and wait for the funds to be credited to your wallet. In the case of third-party exchangers, everything is individual. In some places the money is credited to the account automatically, but in others you have to wait for the operator’s participation.
You can exchange WebMoney both through the official exchange of the payment system and through third-party services. The exchange rate depends on the current market situation.
webmoney loans
The WebMoney Transfer system has its own credit exchange, which is available to all participants with certificates not lower than the entry level. Members with valid credentials can both receive and provide WebMoney credits in title currency. At the same time, all lenders see the passport data of borrowers who have submitted an application for a loan in the system. Using an exchange is a fairly simple and safe way to benefit from the available funds in your accounts. If a loan received through the WebMoney system is overdue (that is, not returned before the expiration date), the debtor’s wallet will be automatically blocked.
Commission fees
A commission is charged for both intra-system transactions and withdrawals. Transfers between users cost 0.8%, but not less than 0.01WM. The maximum limits for various currencies are as follows:
- 1500 WMP/WMR;
- 50 WMZ/WME;
- 250 WMU;
- 100 WMB.
When using SMS or PUSH confirmation, the commission increases by 1.8 WMP, 1.5 WMR, 0.05 WMZ.
There are also free transactions:
- between similar wallets of the same WMID;
- between wallets of the same type, if they belong to a user with an initial level of identification or higher.
Withdrawal from a new type of ruble wallet to a virtual card of the service will cost from 1.2%. The card is issued and linked to the account online in 1 minute.
The transfer will reach bank cards in 3 days with a commission of 2.5%. Transfer to a bank account is cheaper and faster - in 1 day and from 1.8%.
Withdrawing dollars and euros to a company card costs 1-2%, to a bank card - 2%. Produced instantly.
Money will be sent by postal transfer up to 7 days (2%).
Additional commission when replenishing electronic wallets: 2.2% for QIWI, 2.1% for Yandex.Money.
Citizens of Ukraine and Belarus transfer WMU and WMB, respectively, to a bank card through the exchange at a rate of 0%.
WebMoney credit line
The WebMoney Transfer credit line is similar in its value to the credit line when using bank services. It represents a certain limit of trust, which is accepted by both parties to the transaction - the lender and its borrower. Within the credit line in the WebMoney Transfer service, the borrower can borrow a certain number of title units, which is limited in advance. There are also restrictions on the frequency of loan repayments, payment terms, the possibility of partial repayment and other parameters. Obtaining a credit line in the system occurs through a special service, which significantly increases the security of the transaction for both parties.
Features of the exchange, how lending occurs
Lenders in the WebMoney Transfer system are most willing to issue loans to well-known borrowers who are known to them from the list of correspondents in the WebMoney Keeper service. The peculiarity of the exchange is that in order to receive a loan from an unfamiliar lender on a paid basis, an application for a loan must be placed in the Debt Service. You can select an application to take or issue a loan according to suitable parameters - this is how lending occurs. After selecting an application in the system, you need to open a credit line with the loan term, interest and maximum amount. It is always the lender who opens a line of credit with a trust limit, while the borrower can either accept this line or reject it.
Who can benefit from the WebMoney credit exchange?
The WebMoney Transfer loan issuance system can be useful to many borrowers who need to quickly receive a certain amount of money. First of all, this category includes Internet entrepreneurs and other people who need fast and convenient circulation of funds in the form of electronic currency. If a borrower needs a large amount, the WebMoney loan exchange offers a unique solution - a collective loan. In this case, the required amount is “collected” from various lenders to the required size, after which the loan application is approved in the system. Who else might benefit from the WebMoney credit exchange? Any private person.
Instructions for obtaining protection
Protection is a built-in mechanism to improve transaction security. The service is provided free of charge. There are two types:
- by code;
- by time.
Registration of protection is carried out according to the following algorithm:
- After checking the specified data, the shipment is confirmed.
Internal transfers in the system can be made directly on the website, in a computer program or a phone application. It will be necessary to indicate the details of the receiving party, the amount, justification for the transfer in free form and confirm it with a code from PUSH, SMS or E-num.
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What are the ways to make money on the WebMoney exchange?
There are several main ways to make a profit on the WebMoney currency exchange. First of all, you can make money by exchanging between currency pairs by placing parallel orders in the forward and reverse order of exchange (for example: you took WMR to WMZ, placed WMZ to WMR). To benefit, you need to closely monitor exchange rate fluctuations. What are the ways to make money on the WebMoney exchange other than direct exchange? For example, in the system you can exchange title banknotes in a circle - WMR for WMZ, WMZ for WMU, WMU for WMR. At the end of the exchange circle, you need to come to the title signs with which the exchange began, but with a larger amount of money than at the beginning of the circle.
Top up, exchange and withdraw WMR through Yandex Money, QIWI, Emoney.Exchanger
At the moment, this is the most profitable way to withdraw WebMoney rubles: the exchange rate for Yandex money is 2.25%. The scheme is simple:
- Create a Yandex Money account;
- Identify your Yandex Money account. This will allow you to expand limits, make bank transfers and make it possible to withdraw money from an ATM;
- Get a Yandex Money plastic card. Costs 300 rubles for 3 years of service. You can withdraw up to 10 thousand rubles from ATMs without commission every month. Then the commission is 3%, minimum 100 rubles. Taking into account the positive conversion rate of WMR -> POISON, the final commission for withdrawing WMR to cash will be about 1%
How to transfer WebMoney rubles to Yandex Money:
- Go to https://exchanger.money/emoney
- Select the desired application on the right to exchange WMR for Yandex Money and make the exchange according to its terms
Exchange restrictions
When working on the exchange, you must comply with the following exchange restrictions:
- You can change the rate of a submitted application a maximum of 20 times within an hour, starting from the first rate change.
- It is prohibited to purchase your own counter bid. In order to make a counter exchange, you need to buy someone else’s order or put your own up for purchase by another person.
- When working through the API with your own script, there is a limit on the number of calls from one IP address. If the number of requests from one address exceeds one request per minute, the IP address is blocked and access from it will not be possible.
Advice from Sravni.ru: Having received a loan, be sure to fulfill your obligations on time, otherwise your account as a debtor will be completely blocked. It is extremely important to study all the terms of the agreement in advance.
