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

Using e-currency significantlyfacilitates 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 the 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 anymoney 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 have your own account insystem, you only need a valid e-mail, a 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 goin 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 input is availableTo the personal cabinet, in which it is offered to choose 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 are designated in the nomenclature "WebMoney" 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 at any pointworld, 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 network users have severalelectronic wallets 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"Kiwi-purse", allowing 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 accounts"Webmoney" and Qiwi, you need to go through the procedure for identifying both accounts, in which you want to verify the identity of the account holder. This is done for security and to exclude cases of hacking and transfer of money to the accounts of intruders.

However, if for identification in the Qiwi system you just need to fill out passport data in your personal account, then Webmoney requires a special certificate.

"Webmoney" certifications

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

In total 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 only be implemented within the system. You can not make purchases or pay bills with the status of an alias.
• The formal certificate "WebMoney" - the second and mostan important step. This level is 80% of users of the system, which are individuals. The 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.
• Initial certificate "WebMoney" - paid digitalpassport 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 variety of functions that allow you to monitor the funds and conduct a virtual cost calculation.
• Professional or personal certificate"Webmoney" - the highest step. 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 step 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 features in the systemelectronic currency, 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 "Webmani". This requires a minimum set of documents and a bit of free time.

After logging into your account, you need to select a section"Center for attestation WebMoney." In the opened window the function "Obtain a formal certificate" appears. By clicking on the function, you will be taken to the field of filling in personal data, where you must 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, select the item"Download copies of documents." In this section, you need to download all pages of your passport and TIN to the scan server. If there is no possibility to make a copy of the documents, then you can simply 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 downloading documents forserver in the personal cabinet must come a notification of confirmation or rejection of the application for the assignment of a formal certificate. Refusal comes only in the event that the data stated in the questionnaire does not coincide with the documents.

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

Is it possible to take a loan in virtual currency

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

The interest rate of the system is 12% per annumwith 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 before the salary" inthe 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 allFactors: 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 confirmation of the loan, whichtakes from 12 to 24 hours, automatically creates a purse with the name D or C, 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 -of course, good news. But then another question immediately arises: "How to cash out the money received?" To do this, if you have a "Webmoney" -testat, 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 his way.

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. In order to ensure that your Webmoney account is not attacked by intruders, you must follow a few simple rules:

1. When you register, create 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 a WebMoney certificate.
4. Do not add doubtful wallets to your contact list.

Of course, completely secure your moneycomplicated. And if your account was still hacked, you should immediately change your password and contact technical support. However, judging by the feedback on 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 the electronic payment systemis 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, you canonly after a personal appeal to the "Webmoney" office 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 the "Webmoney" largepopularity in Russia is enjoyed by the Kiwi-purse. 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 systems 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, thanks 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 foreign exchange transactions with foreign resources.