Several electronic payment systems are available for online payments. One of the most popular is Yandex.Money, designed for comfortable online shopping and financial management.
The payment system, created in 2002, is designed for residents of Russia, therefore it supports only one monetary unit - the Russian ruble. Despite this, Yandex.Money is widely used in the CIS countries and neighboring countries. Currently, the number of users of this payment system is seven figures and is growing steadily.
Registration in the system is extremely simple: you will need to indicate your mailbox and mobile phone number, to which you will receive an SMS code to complete registration. Authorization using popular social networks is also possible.
What can you pay with Yandex.Money?
The Yandex.Money payment system is popular not only in Russia, but also in some other countries. For example, in Ukraine, Belarus and Kazakhstan. This is due to the fact that it is quite convenient to use. If only because you have your own plastic card, with which you can easily cash out any amount.
You can pay online:
- purchases in online stores (including foreign ones);
- fines;
- public utilities;
- mobile communications and Internet;
- games, etc.
In addition, you can pay for school, buy movie tickets or a computer program. In general, you can manage the money in your virtual account at your own discretion. And if necessary, the user can easily withdraw money to the card. For some services, the account owner can pay Yandex with money without commission.
Cancellation of payments
Unfortunately, it is not possible to cancel a transfer made using the Yandex.Money service. The only option to receive an incorrectly sent amount is to ask the recipient of the money to whose account the funds were transferred by mistake. The payment system itself is not responsible for errors in the transfer of funds, and cannot cancel such transactions. Therefore, when transferring money, you need to pay special attention to filling out information about the recipient.
If the transfer was made to a non-existent account, it is possible to correct the error by contacting the payment system support service and providing the correct details for the transfer. We wish you pleasant shopping!
How to pay using a payment code via Yandex.Money
So, if a person needs to make a payment, but only has cash, the following procedure should be followed:
- Go to the service provider’s website and log in.
- Select Yandex.Money as a payment method.
- Indicate that payment will be made in cash.
- Write the transfer amount and your phone number to receive SMS.
- Wait for an SMS with the payment code.
You can make payment in a communication shop or through a terminal. It is important that the amount is no less than that indicated on the website. If the user deposits more, the remaining money will be returned to the phone account (when paying using the terminal).
How to pay through Yandex.Money without a passport
Each user of the Yandex.Money payment system must undergo identification, that is, provide passport data. The service has set a number of restrictions for the three wallet owners who remain anonymous.
For example, you cannot make transfers from one account to another within the system. There are also limits on withdrawals. That is, payments may be severely limited. To identify himself, the owner of the wallet must fill out a form and, if necessary, send scans of his personal documents. After verification, he will receive a new, higher user status.
Help: Russian citizens can confirm their identity at the company’s office. This service is not available to users from other countries.
As for payment without a passport, theoretically the user can pay for various goods and services. But he cannot keep more than 15 thousand rubles in his wallet. Limits must also be observed. However, some sites may refuse the payer to make various money transfers. This applies to both withdrawal and deposit of money. Anonymous status may affect the amount of commissions.
Briefly about the service
Yandex Money (aka POISON) is an electronic wallet. How do you use a wallet in real life? Right! – you need it to pay for all kinds of products, services, pay receipts, fines, and also to put salaries, bonuses and other cash receipts into it.
This is a direct answer to the question “what is Yandex Money” - a universal electronic means of payment in which the unit of account is the Russian ruble.
The reason for pride is that Yandex and its services are a successful Russian company operating since 2002, with its main office located in Moscow.
How to pay for Yandex Music via Yandex Wallet
Yandex Music is a special service with which the user can search for the desired artist and listen to various compositions. There is also a special application for mobile phones. But this service is not free, so you need to sign up for a so-called subscription.
To make a payment you must:
- Log in to the application or website.
- Go to the “Payment for subscription” section.
- Select validity period. You can pay for a month or for a whole year.
- Specify the method of transferring money. For example, from a wallet or from a card.
- Click the “Get password” button.
- Follow the instructions received.
- Save the electronic receipt.
As for the cost, when paying through the application it is always a little higher. In addition, it is more profitable to pay for a yearly subscription than to renew it every month. You can also cancel your paid subscription or give it to a friend.
Payment by bank card
To do this, you will need to go to the payment form and select the “Yandex Money (Yumani)” method. In the Yandex Cashier service window that opens, you need to click on the icon that says “Bank card”.
Payment using a bank card
A map image will appear on the screen with empty fields in which you must enter:
- Bankcard number.
- Validity.
- CVC code (3 digits on back).
If a receipt is required, you can check the box next to the appropriate item and indicate the mailing address for sending. A receipt with information about the transaction will be sent to it.
Then the client needs to click on the yellow “Pay” button. On most existing cards, the 3D Secure protection system is activated, so the user will be redirected to the bank’s website, where he will have to enter the code from SMS to confirm the operation.
Important: if you check the “Save in store” checkbox, the card data will be saved on the system server. Subsequent purchases can be made without any confirmation. It is recommended to use this feature only on trusted sites.
How to pay via Yandex.Money online
Since the owner of a virtual wallet can pay for any services, there should be no problems with paying for the Internet. There are several options for transferring funds. If payment is made from a card or wallet on the Yandex.Money website, then you must:
- Login;
- Go to the “Payment for services” section.
- Then open the “Internet and telephony” section or find the provider through the search bar.
- Fill out the form provided.
- Confirm the transaction using the code.
You can pay for the provider's services on the official website. The only condition is that the user must be registered there. Then you need:
- enter your username and password when logging into the company website;
- open the “Account replenishment” section;
- select a payment method (wallet or card).
Then everything is standard - you need to provide payment details and confirm the transfer. A special code will be sent to your phone. The money is credited within a few minutes. The fact of replenishment can be immediately verified.
Translations
To transfer funds, select the appropriate tab at the top of the main window. A new page will open, showing a panel on the left with various options.
After that do the following:
- Enter the required amount. You can check the box to include the commission.
- You can leave a message for the person who receives the money.
- Click on the "Pay" .
Depending on the translation option, the procedure may differ. For example, to transfer to QIWI wallet, you just need to enter the recipient’s phone number to which the electronic account is linked.
How to pay via Yandex wallet using wallet number
One user can very easily top up another person's wallet. That is, to pay for goods or services provided by another user. To make a payment you must:
- Log in to the payment system website.
- Then you need to go to the “Translations” section.
- Select the item “For any wallet”.
- Indicate the number of the person who will receive the transfer.
- Specify the amount.
- Click "Pay".
The convenience of such a translation lies in several points. For example, you can use a digital protection code. This is a special password that is sent to the recipient. Money will be credited to your wallet after the recipient confirms the transfer with a code. He may not confirm, but then after a certain time the funds will be returned to the sender.
There is another useful feature. This is sending an SMS to the recipient. As soon as the payment is sent, the owner of the wallet will receive a message. With its help, he can easily identify the payment. This is convenient if you have to pay for an order from a Yandex wallet made from a private person. As for the commission, the system usually charges 0.5% for transfers between wallets.
Advantages and disadvantages
Why did POISON become so popular? To do this, we will consider all the positive as well as negative aspects of its use.
Advantages:
- You just need to register.
- All information about making payments is protected, you can be confident in your financial savings and any settlement actions.
- Your e-wallet will be linked to a personal card with free service (issue cost 199 rubles)
- Informing about transactions via SMS or e-mail.
- Availability of a mobile application.
- The company uses only one currency - Russian rubles. This option greatly simplifies the management of expenses, because if you buy something in another currency, in transactions you will see the already calculated amount in rubles, so you do not need to monitor the exchange rates.
- Wide range of financial transactions.
- It is very easy and quick to understand the structure of the site.
- You can top up your e-wallet using ATMs and terminals, as well as bank cards and Internet banking. Thankfully, location doesn't matter.
- Withdrawing funds is also easy. You can transfer the amount to a bank card or account, or receive it in cash at specialized CONTACT points.
- When making transfers within the service, you will be surprised by the minimum commission, which is 0.5%.
We have seen from our own experience that using Yandex Money is very convenient. While on long trips, you can safely pay with your YaD card: make various purchases, relax in a cafe, rent a house, rent a car. All this is due to the fact that money is easily converted into local currency and gives the user the opportunity to fully enjoy their vacation.
But there are several disadvantages. Let's look at them.
Flaws:
- Withdrawing money from an ATM is unprofitable, as a commission is charged (3% of the amount + 15 rubles, minimum 100 rubles, not counting bank fees.
- Only individuals are allowed to work with accounts; legal entities do not have this opportunity.
