"Webmoney" - passport: how to get it? Instructions for obtaining Webmoney certificates. Credit "WebMoney" with a formal certificate

Using e-currency greatly facilitates the life of modern man. Shopping in online stores, payment of utility bills, money transfers and much more has now become available to everyone who has access to the Internet. In this article you will learn all about the most popular payment system "WebMoney".

What is "WebMoney"

Electronic payment system "WebMoney" (from English WebMoney) was established in 1998 and successfully functions to this day. As of 2015, the number of accounts in the system has reached 25 million. Among users of runet, more than 40% are registered in the "Webmoney" system.

Virtual currency allows you to conduct any monetary transactions online, which makes it mobile and as easy to use as possible. In addition, "WebMoney" allows you to make loans with a low interest per annum.

How to register Webmoney

In order to create your own account in the system, you only need a valid e-mail, mobile phone number and a strong password. The latter should be given special attention, as recently hacking accounts have become more frequent.

On the official website of "WebMoney" you need to go to the registration section and specify all the data. After that, a SMS-message with a one-time code for identification of the account will be sent to the mobile phone number. Thus, the user confirms that he is a real person, not a computer program. In addition, the phone number will be used in the future to confirm payment transactions.

Immediately after registration, the entrance to the private office becomes available, in which it is suggested to select the currency for creating the account. For convenience of making purchases and currency exchange it is recommended to create two types of accounts - ruble and dollar, which in the nomenclature "Webmoney" are designated as WMR and WMZ. The service for opening an account is absolutely free, as well as system maintenance.

"WebMoney" in the mobile phone

In order to make payments anywhere in the world, you can install a special "WebMoney" application, which is available for Android, Windows and iOS operating systems. The application maintenance is absolutely free and requires only confirmation of the login and password.

After installing the mobile "WebMoney" user can transfer funds and pay for services directly from your phone. The main condition is the availability of an Internet connection.

How to replenish the account of "WebMoney"

You can transfer money to the "Webmoney" account in the following ways:

• Make a bank transfer or transfer money from the card.
• Make money through a payment terminal that supports Webmoney.
• Transfer money from another account "WebMoney".
• Use the services of an intermediary by paying a commission for the input of funds.

You can replenish your account without even having a "Webmani" -testat. However, it will be necessary to carry out operations in the future.

Integration of "WebMoney" in other services

Many users of the network have several electronic purses at once in different systems. This allows you to transfer money between accounts in cases where payment is required on certain services that support only one virtual currency.

The second most popular in Russia is the Kiwi-purse, which allows you to make money transactions directly from your mobile phone account. In addition, Qiwi is the first unique electronic currency in the CIS countries.

In order to integrate the accounts of Webmoney and Qiwi, you need to go through the identification of both accounts, in which you need to verify the identity of the account holder. This is done for security and to exclude cases of hacking and transferring money to accounts of intruders.

However, if for identification in the Qiwi system it is required to simply fill in the passport data in your personal account, then Webmoney requires a special certificate.

"Webmoney" certifications

A digital passport, which contains all the information about the account holder, is called the "Webmoney" certificate. Such a document allows you to adjust the status of the participant in the system and the degree of trust in it from other users. Therefore, the question of how to get a certificate "Webmani", it becomes very important when registering on a payment resource.

There are 11 certificates of "WebMoney":

• Alias passport. This is the very first step, which is assigned to all users immediately after registration. The monthly limit of money turnover at this stage is 30,000 WMR, which can be carried out only within the system. You can not make purchases or pay bills with the status of an alias.
• Formal certificate "WebMoney" - the second and most important step. This level is 80% of users of the system, which are individuals. Formal certificate "WebMoney" allows you to withdraw funds from the system, pay any bills and increase the money turnover to 50 000 rubles per month.
• The initial certificate "Webmani" is a paid digital passport for businessmen and individual entrepreneurs. The cost of this level is about 5 dollars. At the same time, the limit of funds is increased to 90,000 WMR. The user receives a lot of functions that allow you to monitor the funds and conduct a virtual cost calculation.
• Professional or personal certificate "WebMoney" - the highest level. The cost of this level ranges from $ 10 to $ 50, while all WebMoney tools become available and the opportunity to fully and officially conduct remote business. The fourth stage is divided into several components, indicating a narrow focus of the user: the seller, the operator of currencies, the developer, the registrar and so on.

How to get a formal certificate "WebMoney"

To get more opportunities in the electronic currency system, you need to get the second level of the certificate. A simple instruction will help to solve the problem of how to get a certificate "Webmoney". This requires a minimum set of documents and a bit of free time.

After entering the personal cabinet, you need to select the section "WebMoney Certification Center". In the opened window, the function "Obtain a formal certificate" appears. By clicking on the function, you will be taken to the field of personal data filling, where you need to specify the full name, date of birth, place of residence, number and passport number, TIN code. Please note that all data must match information in real documents.

After completing the questionnaire, you need to select the "Download copies of documents" item. In this section, you need to download all pages of your passport and TIN to the scan server. If there is no way to make a copy of the documents, then you can just take a picture of them. The main thing is that the image should be clear, and the moderator could compare the authenticity of the data.

After 12-72 hours after uploading documents to the server, a notification of confirmation or rejection of the application for the assignment of a formal certificate should come to the personal cabinet. Refusal comes only in the event that the data stated in the questionnaire do not coincide with the documents.

In order to check the status of your passport, you just need to enter your personal account. In the upper right corner of the personal WMID number will be listed "Webmoney" -submission.

Is it possible to take a loan in virtual currency

Since recently, many services have started offering virtual loans. And now any Internet user can take a loan from WebMoney. The formal certificate in this case will be a guarantor of confidence and confirmation of the borrower's personal data.

The interest rate of the system is 12% per annum with a loan in excess of $ 200. Such a loan can only be received by owners of a personal or an initial certificate with a high business level in the system. Therefore, if you are interested in a "Webmoney" loan with a formal certificate, do not expect a large amount.

In any case, the receipt of "money to pay" around the world is a very convenient function. Especially now, when it became possible to apply for a loan without leaving home. The main condition is to repay the funds borrowed from the system on time.

Loan "Webmoney" with a formal certificate

To apply for a loan, you need to apply in the personal office of WebMoney. To do this, select the "Issue of a loan" item and specify the amount that you need.

When verifying the application, the moderator will take into account all factors: the amount of money transactions for the entire period of Webmani's use, the absence of debts to other organizations and the availability of positive feedback from other participants in the system.

After confirming the loan, which takes from 12 to 24 hours, a purse with the name D or C is automatically created, from which the debt to the system will be written off. Remember that you need to specify in advance the period for which you can pay off your loan so that in the future there are no problems with administrators.

How to get Webmoney out of cash

A positive decision to grant a loan is certainly good news. But then another question immediately arises: "How to cash out the money received?" For this, if there is a "Webmani" -backback, the payment system offers several options:

• Transfer to a bank account or card.
• Withdrawal of funds through the Post of Russia.
• Output through another currency system, for example, Qiwi.
• Transfer to the account of the intermediary, who will withdraw the money in a way accessible to him.

Some payment systems, for example, "Yandex.Money", offer the service of issuing a plastic card for withdrawing money through an ATM.

What to do if the "Webmoney" account is hacked

Unfortunately, such incidents occur quite often. To ensure that your Webmoney account is not attacked by intruders, you must follow a few simple rules:

1. When registering, think of the most complicated password. For this purpose, it is best to use a virtual password generator, which allows you to create complex combinations of letters and numbers.
2. Do not leave data about your wallet on suspicious resources.
3. Do not make payments on sites whose honesty is in doubt. Before buying, be sure to check the resource for the WebMoney certificate.
4. Do not add doubtful wallets to your contact list.

Of course, it is difficult to completely secure your money. And if your account was still hacked, you should immediately change your password and contact technical support. However, judging by the responses in the network, the moderators can not always track the transfer of funds and reveal the fact of hacking or theft. Therefore, do not rely on honest work of the service and try not to keep large amounts in the virtual wallet if possible.

Is it possible to delete "Webmani"

The disadvantage of an electronic payment system is that it is impossible to delete your data and accounts. After assigning a formal certificate, all information remains forever on the resource. Perhaps the creators of "Webmoney" use this method to attract more customers and a set of mail addresses for sending spam.

Try to delete your data completely only after a personal request to the office of "Webmoney" in Moscow. But, you see, not every user of the network has such an opportunity. Therefore, before registering in the system, weigh all its advantages and disadvantages.

Other e-currency systems

As mentioned earlier, along with "WebMoney", "Kiwi-purse" is very popular in Russia. Despite the fact that this payment system does not have a delete function, it has a number of advantages. First, it's instant payments anywhere in the world. Secondly, convenient integration with any payment system and fast identification. Thirdly, the possibility of issuing a loan is the same as the loan of "Webmoney" with a formal certificate.

Yandex.Money is also in demand among residents of the CIS countries. The main advantage of this resource is the issue of a plastic card, due to which it is possible to withdraw cash in any ATM of the city.

Less popular are electronic payment systems such as PayPal, Payeer, PerfectMoney, which are more suitable for currency transactions with foreign resources.