Electronic wallet for currency transfer. Electronic wallet: which one is better to choose? Why you need an e-wallet

Hello dear readers!

In this article, we will look at the most popular e-wallets, evaluate their advantages and disadvantages, and, ultimately, try to determine which wallet is better to choose.

Digital technologies. Thanks to them, our life becomes more and more convenient and comfortable. Things that were previously unthinkable are becoming more and more accessible every day. And, in particular, it concerns communication and communication.

Do you know how people used to communicate? They wrote a letter and sent a messenger to the addressee. Especially "quickly" this process took place, with international correspondence.

Practically, financial technologies have reached the same transmission speed. Now we can make a money transfer in just a couple of clicks. And the funds will instantly reach the recipient.

Why you need an e-wallet

Agree, it is very convenient to make financial operations through the online account or mobile app your bank. It's simple and saves our time.

Even more convenient is to work through electronic payment systems. And there are a number of reasons for this.

Firstly, You can create an e-wallet very quickly and easily.. In most cases, it is much easier than opening a bank account/card. In addition, everything is done online and you do not need to visit the office.

Secondly, commissions of payment systems are lower than banking ones. After all, banks need to feed a huge staff of employees, maintain offices, and bear management costs. And for electronic payment systems, these costs are scanty.

Thirdly, most electronic payment systems independent of political factors. Even counterparties of warring countries can freely settle accounts among themselves, regardless of the mutual restrictions of their countries. There is the Internet, so there is full access to the calculations.

Now about the main advantage of electronic wallets. There are a lot of services on the Internet where you can pay with e-currency, but not with banking. In particular, this applies to investments.

At the same time, most electronic payment systems are in no way inferior to bank accounts. That is, we can create a wallet, order a plastic card and pay it in stores, just like with a card issued by a bank. The card will use the same funds that are on the wallet.

Fine. But there are several electronic payment systems. All have their own characteristics, their own tariffs. So which wallet should you choose?

Comparison of electronic wallets

There are really many wallets. However, not all of them are widespread.

We simply cannot pay with exotic or unpopular electronic money. Accordingly, let's look at exactly those systems that are already popular and are actually used everywhere.

First of all, I will list the systems themselves and ladies and brief description. And then let's move on to the comparison.

This Russian system. It is very widespread in Runet, convenient and quite profitable in operation. Ideal for those who make money online. But there are also disadvantages. The system so far only works with rubles, and investment projects rarely connect it.

Updated. Now internal transfers through Yandex.Money work without commission. But only if you make a transfer through a mobile application.

Quite young, but very convenient and quickly gaining popularity system. Allows you to work with dollars, euros and rubles. The main plus of AdvCash is the absence of commission for internal transfers.

This is the first and most widespread cryptocurrency. Used everywhere, and even growing in price. Plus, the system is very transparent and secure. True, sometimes, due to their peculiarities, bitcoin calculations are delayed. Each operation requires several independent confirmations, which take time.

A convenient wallet that allows you to work with dollars, rubles and euros. The system is popular and widespread. But, the rates are slightly higher than those of competitors.

The system is used in the largest online auctions such as eBay. The system is very convenient when making online purchases. Also, it is ideal for sellers on eBay. But, for other situations, PayPal is categorically not suitable. Outside of online auctions, it is absolutely not common, not popular and very expensive in terms of exchange / withdrawal of funds. So, I suggest not to consider it further.

Perhaps the most popular system for online investment. Funds can be stored in dollars, euros and bitcoins. "PM" combines high speed payments, good security and low rates. It is believed that this system is the most confidential: no government agencies control it and cannot track payments.

This is a system that is used, almost exclusively, but only in gambling. And nowhere else. Therefore, I suggest that we do not even consider it further.

Once a popular payment system in Russia. Now, in my opinion, she is in decline. In principle, the system is not bad. Works with rubles and dollars. Internal transfers are carried out without commission.

This is a publicized misunderstanding. An expensive, complicated, and inconvenient system only gets out because it was one of the first and still controls part of the market. Reminds me of Sberbank of the 2008-2012 model, in which people went not because of favorable conditions, but out of old memory. 🙂

Please note that the creation of a wallet and its maintenance for all systems is free.

Possibilities and tariffs of electronic wallets

Drawing conclusions about wallets

Internal transfers are the cheapest in AdvCash and QIWI (no commission). Yandex.Money and Perfect Money also have low commissions. Also, it is beneficial to use bitcoins, but not for small amounts.

All systems allow issuing a payment card. But, in my opinion, Yandex.Money and QIWI have the best conditions. Their obvious plus is both the low price and the ruble face value of the card. In addition, both systems offer us modern premium cards with the possibility of contactless payments and the 3D Secure security system.

Cards of other systems are expensive, denominated in dollars and in themselves are inconvenient. They cannot pay contactless, and online shopping in some cases will be difficult.

If we still talk about a dollar card, then the AdvCash card is cheaper and most convenient. Both virtual and ordinary.

Cashing out dollars is about the same everywhere, both in terms of the exchange rate and in terms of commissions. But it is definitely more profitable to withdraw rubles through Yandex.Money and QIWI. First of all, due to the fact that you do not have to convert funds.

By the way, a good cash withdrawal scheme has recently appeared for Yandex.Money. If you have a bank card and a Yandex card, then you can make a transfer from card to card. This operation will cost 1.5%. So, let's say we can transfer money from a Yandex card to a Sberbank / VTV / your bank card and withdraw it from an ATM without a commission.

You can withdraw cash from any system using one of the electronic exchangers. To do this, simply change the money to your bank card and withdraw it from an ATM. Please note that changing WebMoney is long and rather laborious. The rest of the systems change elementarily and with minimal commissions. Moreover, in many cases, the exchange occurs instantly.

Yandex.Money + AdvCash - my favorite combination of payment systems

The systems Perfect Money, Advanced Cash, Bitcoin (there you can generally track and verify each transaction) and WebMoney have the greatest security. But in WebMoney, security is implemented extremely inconveniently and unsuccessfully. In general, the security of other systems is also high.

Since I started talking badly about WebMoney, here's another stone in their garden. All considered systems, except WebMoney, are completely confidential. That is, the same tax service does not see them and will not check them. And in WebMoney - easily. At the same time, I recommend everyone to be self-conscious and pay taxes honestly. 🙂

Ultimately, each system has its own advantages. Therefore, I recommend having 2-3 wallets at the same time.

In my opinion, taking into account the features and areas of distribution, it is optimal to have a Yandex.Money wallet and Advanced Cash. Together, they allow you to achieve most goals. At the same time, both are economical and easy to maintain. What systems do you use?

I would be grateful for your opinion, questions and comments on which e-wallet is better to choose.

I wish you all a profitable investment!

24.03.2017 07.04.2017

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Today, the abundance of payment systems allows the user to choose the most profitable, comfortable solution. Every platform in this market has something to offer. Including Ukrainian service. Portmone payment system is a platform for settlements, bill payments, payment for goods and services, interaction between clients.

General information about the system

Portmone LLC began work in 2002 in the capital of Ukraine. The initial task of the service was electronic currency exchange, account replenishment in different systems, money transfers.

Today, the company operates at a different level, representing a financial product. The company has launched an active marketing policy. To do this, the company placed advertisements in Kyiv subway cars.

The company provides its services to three groups of people:

individuals (for payment and replenishment of Portmone UA account);
companies (to receive funds);
banks (to transfer money and pay bills through terminals, Internet banking, ATMs).

Cooperation with banks

The firm is actively working with banks. It provides services for the delivery of electronic invoices, encouraging users of the system to draw up cards and make transfers from card to Portmone card. The organization cooperates with banks:

Interaction with online stores

Instruction! How to top up a phone (MTS, Kyivstar, Life, Vodafone, Yezzz, TRAVELSIM) (UPD. Since March 9, 2017, it is impossible to top up without a commission). To do this, you will need the data of the "plastic" (number, expiration date and CVV2 / CVC2 code). Having chosen an option from the main menu, you must immediately specify the phone number and the amount of replenishment. After that, the interface of the acquiring bank will open to complete the process.

Benefits of the company's service

Subscribers use Portmone.com electronic delivery and bill payment services because:

The service is available to all users.
Customers use the site even in the absence of money for personal account.
Availability of comfortable tools for different purposes. For example, the fast payment service allows you to fill in the details of two cards and transfer money from one to the other.
Replenishment of a mobile phone account in the amount of 5 UAH is available for Portmone mobile, MTS, Life operators.
Possibility to pay for Internet, television services, as well as utility bills through Internet banking.

Advice! We recommend that you familiarize yourself with promising payment systems: and.

How to pay utility bills

Popularity is due primarily to convenient transfers for housing and communal services, telephony, and television. They are available without a fee. The platform cooperates with more than 200 enterprises and provides complete reports on debts.

If the company is not in the Portmone database, a commission will be charged for the transfer. Tariffs are fixed: 2% from transfers to budgetary and commercial structures, 5 hryvnias - to charities.

Instructions on how to pay for a communal apartment for the first time: from personal account or with home page select the "Utilities" menu, and then - a shortcut among the proposed organizations (be sure to indicate the region in the list of cities).

In the window that opens, the attributes of the enterprise will already be indicated. It remains to fill in: address, full name, personal account, meter readings, amount. Then you will be switched to the interface of the acquiring bank.

For a verified account, transactions will be saved and offered at the next session. From the personal account, you can set an SMS reminder before the approach of a new payment period. It is possible to store checks in your account and even subscribe to regular receipt of "payments" by mail.

UkrPoshta services are paid. For a quarterly mailing, a subscription fee of UAH 20 (up to 60 pieces), UAH 15 - up to 40 pieces is expected. and 10 UAH - if there are less than 20 "payments"

Authorized visitors can use the option for free during promotional periods.

Commissions and tariffs

You can transfer from a Portmone card to a Visa or Mastercard card of any Ukrainian bank.

Feedback on cooperation

If you read the reviews about the Portmone payment system, you can conclude that the authors managed to create a comfortable system. The resource operates not only on the territory of Ukraine. It is available to citizens of Russia and neighboring countries and provides reasonable rates for many services. Users are attracted by the speed of transferring payments from this service.

For partners

Online stores significantly increase their attractiveness if they offer not only a wide selection of goods, but also a flexible choice of payment methods. Owners online business connected to Portmone become members of the MasterCard SecureCode and Verified by Visa programs.

Innovative technologies simplify the interaction between the seller-buyer and partners:

payment gateway for websites or their mobile versions, as well as for iOS and Android;
connection with Internet banking;
Portmone Invoice application, which allows you to manage your account via SMS or call;
electronic distribution of receipts, subscription lists;
Direct-Debit automatic write-off service, based on contracts with clients;
online bookkeeping in a personal business account.

Often payment system holds promotions for new legal partners in the form of free placement of an advertising banner or links. An undoubted advantage is high degree security of transactions, which is confirmed by the positive feedback from many users.

Types of electronic wallets

Nowadays, there are quite a lot of such electronic wallets, all of them are in great demand.

Webmoney (webmoney)

This electronic wallet was created in the late 90s. The symbol of this system is the ant. With it, you can make both payment transactions and transfers to settlement accounts or bank cards.

When transferring money to bank cards or a current account, a commission is charged, which will depend on the amount you transfer.

In order for the WebMoney wallet to be constantly with you, created special applications both on your mobile device and on your computer. There is an option not to install applications, but simply go to the site and enter your username and password.

In order to start working through webmoney, you need to get a certificate. To do this, you need to upload scans of your passport and provide your personal data. Operations can be confirmed both via SMS, captcha, or using the question-answer method.

WebMoney is currently the leader in popularity in Russia. In general, this system is registered in London, but the certification center is located in Russia. But in Germany, this system is banned.

Yandex money

Yandex Money appeared already in the early 2000s. Using the web interface, this system became possible to work in 2005. Its disadvantage is the fact that it does not work with foreign currency, only rubles. However, these rubles can be transferred anywhere in the world. A plus is the fact that the commission for many operations is not charged at all.

To withdraw money from such a wallet, you can link it to your bank card or make a separate Yandex Money card. It is free to make. When using this system for the first time, you must also identify your identity.

We can say that this wallet is adapted specifically to work in Russian Federation so not everyone uses it.

On this moment Sberbank of Russia is the main shareholder of this system.

Visa

Such a wallet can be easily replenished through terminals, of which there are a sufficient number in any city. This service is popular in Russia, primarily due to the very simple registration, the popularity of the brand of this wallet, the absence of commissions for internal transfers and the possibility of obtaining a card linked to an electronic wallet.

But there is a huge disadvantage of this system - a commission is charged for payments for services. mobile communications. Another disadvantage is the low degree of security of such a wallet.

Qiwi

The advantages of this system is a rather simplified registration: just specify mobile phone, after which you will receive a verification password. You can replenish the balance of such a wallet without commission and all payments and transfers are carried out very quickly.

As in the Yandex Money system, you can order a plastic card and pay with it when making purchases, or simply withdraw money from ATMs. The validity period of such a card is one year.

You can link this wallet with the webmoney system and transfer funds from one wallet to another.

In this case, you should remember about the commission that is charged when using the webmoney system.

PayPal

PayPal is the most large system payments around the world and the most common. It was created in the late 90s. In Russia, it is not as popular as in other countries of the world. Such a system must be tied to your bank card. To do this, you provide the details of your account, within a few days you will receive 2 transfers in the region of 10 kopecks. After that, you will permanently link your bank account with PayPal.

If you are actively shopping abroad, you definitely cannot do without this payment system. Until recently, Russians did not have the opportunity to use this system, but then they first made it possible to pay for purchases, and then replenish and withdraw funds from this card.

The withdrawal limit in Russia is $500. Creating an account is free, and the commission is charged not from the sender, but from the recipient of funds, which is a very convenient way when paying for purchases via the Internet.

Liqpay.com

Liqpay.com has been operating since 2008. It is most popular in Ukraine. The account number in this system will be your mobile phone number. Operations are confirmed via SMS.

In Liqpay, you can work with any currency. With it, you can make a variety of payment transactions. You can withdraw funds from your account to a card or in cash through ATMs.

Rapida Online

This system is not popular. Most often it is used by corporate clients. It works on the basis of Google.

Perfect Money

Most often it is used in any investment projects, or in financial pyramids. Payments can be made in foreign currency and gold equivalent.

Okpay

This system is positioned as a global one. Payments are made in different currencies. It is possible to get a card. The upside is the fact that if you bring other people into it, much more opportunities open up for you.

payeer

The system is very easy to use, makes it easy to transfer funds from one wallet to another.

RBK Money

RBK Money - appeared in Ukraine in the early 2000s.

Liberty Reserve

This wallet belongs to Costa Rica. For registration, you can provide false information about yourself, which is often used by scammers. Money can be transferred anywhere in the world. The system is very well protected. Works with two currencies: euro and dollar.

e-gold

This system works with metals such as gold, silver, platinum, etc. The main advantage is that it does not depend on the exchange rates of various countries. But while using E-gold there are a number of problems that are in the process of being finalized.

Single electronic wallet

This wallet allows you to pay for services online. You can use this wallet with mobile device, and through Personal Computer or tablet. To register, just enter your phone number, to which you will receive an SMS with your wallet number and password. Many payments through this system carried out without charging a commission. You can withdraw money from your account through any post office.

Beeline electronic wallet

The electronic wallet was created for making micropayments, no transaction fees are charged, the system works together with Alfa-Bank. It is possible to transfer funds to a bank card or to a Webmoney wallet.

Electronic wallets common in the Republic of Belarus

It’s worth mentioning right away that in the Republic of Belarus for a long time they refused to accept the electronic version of money. They came into use only at the beginning of 2013.

It can be said that about ten electronic systems are currently operating in Belarus.

Of course, in the first place, as in the whole world, is the payment system webmoney.
The next system is Belqi. This system is very young and works on the basis of the QIWI system known to us. All operations are carried out in the same way.
Wallet One. This is the youngest system operating in the Republic of Belarus. You can connect both through a mobile phone and through a PC. The balance is replenished both through terminals and through InterPayBank. The commission for payments through this system is either minimal or not charged at all. You can also withdraw money from your account through a bank or transfer it to a card.
EasyPay. Before you can start using it, you also need to go through the registration procedure. Commission on payments is charged at a rate of 2%.
iPay. Very easy to use payment system, however, the commission can be charged from 0% to 4%, depending on the purpose of the payment.
Berlio. It is designed to make payments for fuel both in the Republic of Belarus and around the world.
There are also systems such as Prepaid cards. They are used as standard cards, but they are still referred to as electronic wallets.

Electronic wallets in Ukraine

As elsewhere, the most popular is the payment system webmoney.
Yandex money are also used quite actively, despite the fact that this system is focused on the Russian ruble. This system is used when paying for goods purchased in the ruble equivalent. The commission is charged at the rate of 0.5%.
RBK Money. You can replenish the balance of such a wallet with the most different ways, however, ATMs are only available in Russia. The commission is charged from 0.3% to 0.5%.
Ukr Money. This purely Ukrainian system was created quite recently. It actively cooperates with PrivatBank, which allows users of such a system to make all payments through this bank. You can use your account from a PC. Accounts are opened for you in rubles, hryvnias, dollars and euros.
Internet. Money. Through this system, you can make any purchases and pay for them. To use it, you just need to install the application or go through the official website from any PC. The commission can be up to 0.5%, or not charged at all.
e-gold. As already mentioned, it is used all over the world. It is good because it maintains complete confidentiality to the payer, which is why it is very popular among scammers. For the account itself, you will need to pay 1% every year.
The system is also popular in Ukraine PayPal, which we have already discussed above.

Electronic wallets in Kazakhstan

The most commonly used e-wallet in Kazakhstan is QIWI. He came to this area in 2011. It earned its popularity due to simplified registration, the ability to replenish the balance from numerous ATMs, payments from this system are accepted by almost any online store and, of course, a reduced commission.
webmoney. In Kazakhstan, it is considered one of the safest systems.
Yandex. Money. As we said above, it focuses on the Russian currency, so it is often used when making payments in rubles.
And, of course, PayPal is also actively used in Kazakhstan, especially when making payments in online stores in America.

It is worth noting that there is still a huge number of various electronic wallets. So, for example, in Moscow, the Troika system is popular, with which you can pay for travel on public transport. It was put into effect in 2013.

In the Moscow region, such a system is called Strelka, and in St. Petersburg - plantain. The same cards are available in many Russian cities with a developed transport system. Such cards allow you to minimize the queues for paying for transport, and allows you to create single system payment for transport services. Such a card can be obtained directly at the box office or kiosks. You can also replenish such a card through the box office.

Funds are kept on the account for five years after the last use of the card. You can put no more than 3,000 rubles on such a card.

In conclusion, I would like to say that before starting an electronic wallet, choose the currency with which you plan to make payments and only after that choose a convenient wallet, it is important not to forget about the security of such payments.

Here you can refill your mobile account with a Mastercard, Visa or PROSTIR card online at any time. From Portmone.com you don't need to go to the terminal or the bank, spend your time on the road. Everything you need is a free time, a computer or a smartphone, and with the service of "Automatic payment" you can automate any payment that allows you to forget about routine operations.

How to popovnit phone?

On this site, the following methods of replenishment are available:

Without registration. Mobile payment without authorization in the Portmone.com system is characterized by security and simplicity. So, in order to top up the balance of the phone, it’s enough to see the main page of the site, enter the number that you want to top up that amount in the “Repair mobile” block. Next, you need to enter the details of the payment card and click on the "Pay" button. The same process can be repeated by turning the service "Mobile phone update" at the top menu of the site. Vіdminnіst is less in the fact that you can get acquainted with the change of all available operators.
Through special office. If you have a special account, you can repeat the methods described above for replenishing your mobile phone, but you will be given access to templates, auto payments and SMS payments. After spending an hour to create the template once, you will no longer have to enter the number for the payment.

How to popup mobile through a template?

To create the template, go to the special office and click on the button "Add a rahunka" in the section "Inline rahunki and balance". Then, in the "Mobile call" category, select the operator that will call you. Now you have to enter a phone number, comment on the template and click on the "Save details" button.

At some point, you can refill the account for the same amount in the "Balance in Companies" distribution. Nezalezhno vіd time doby, pennies zarakhovuyutsya on the balance of the phone mittevo.

The following operators are available in the wallet catalog for updating:

MTS (Vodafone)
KYIVSTAR
Lifecell
Lycamobile
Intertelecom
Yezzz
TRAVELSIM
TriMob
TezGSM
Travelphone
GLOBALSIM

For the help of the Purse, you will have an affordable transfer of money, payment of utility bills. You can also. Commission for the service per day.

The payment market does not stand still, constantly developing due to the addition of new services. Some of them can offer revolutionary solutions, significantly simplifying the life of a huge number of people at once, while others make it possible to use the lowest tariffs, while others have a favorable exchange rate within the service, due to which the demand for their services is growing. One way or another, each of the platforms operating in this niche has something to offer its customers.

The same can be said about the Ukrainian service "Purse" (payment system). This is a full-fledged platform for paying bills, settlements in different systems, interaction between customers and online stores, and other areas of services. About what this service is, what advantages and disadvantages it has, we will tell in this article.

General information

We should start with the presentation of Portmone LLC, which began its activities in Kyiv in 2002. Initially, the service was engaged in replenishment of accounts in various payment systems, electronic currency exchange and simple money transfers. In the future, the service “overgrown” with a significant number of regular customers, and this made it possible to reach a completely new level.

Today "Purse" (payment system) is a full-fledged financial product that ensures the interests of thousands of customers. The company has recently launched an active advertising campaign by placing its ads in railcars.

Cooperation with banks

The service, judging by the information on the official website, is actively interacting with various banking institutions, providing a range of services. In particular, these include the delivery of electronic invoices issued to customers, making payments via the Internet, motivating system participants to issue bank cards And so on. As indicated directly on the company's website, the partner banks of the system are: PrivatBank, Oschadbank, Raiffeisen Bank Aval, Alfa-Bank, UniCredit Bank and other structures.

Online shopping

As you can see on the company's website, another area in which "Purse" (payment system) participates is the maintenance of online stores. In particular, the system is ready to provide tools for settlements between the client and the seller, providing a reliable connection based on high technologies with the relevant certificates. All of them meet the highest security requirements in the network, which is documented. You can learn more about the materials on this topic after viewing the information on the website of the service.

Acceptance of payments

In addition to shops, anyone can use the tools for depositing funds into the account entity. To do this, it is enough to connect to the solutions developed by the Portmone company (payment system). These include: automatic payment of bills, payment service through a card or mobile phone, service using a billing system, and more. All this makes it possible to transfer funds without commission, in the simplest way, but at the same time in the most comfortable form for the buyer (client). Due to this, we can say that "Purse" (payment system) is a reliable partner for any business.

Rates

The versatility of the company that we describe lies in the fact that it can offer favorable conditions to both banks and companies, as well as individuals who directly use its services. You can verify this yourself by analyzing the information provided on the service website. In particular, in this context, we are interested in the “Tariffs” tab, which describes the “Purse” commission charged for each operation.

And it is formed very simply: for each payment, the client is charged from 0 to 2 percent (depending on the type of operation). In this case, the minimum rate is 1 hryvnia. However, there is also one note on the terms and conditions page regarding the issue of fees. It indicates that the "Portmone" service charges a transfer from card to card according to individual conditions. In particular, it is 1% of the deposit amount plus 5 hryvnia.

Other transactions are also carried out under special conditions. For example, a payment for arbitrary details made by a client will be carried out at a commission of 2 percent of the amount plus 4 hryvnias. Another category is payments to the budget with a commission of 2% (with a minimum of 8 hryvnias).

Subscription fee

Given the systematic approach in the provision of various services, the Portmone company, reviews of which we will describe a little further, works for a monthly fee charged to each user on a monthly basis. As indicated on the official website of the service, it is 9.90 hryvnia per month. For this amount, the client receives, firstly, a more favorable commission percentage than that set in other payment systems, and secondly, he is given access to convenient functionality that allows you to easily plan your expenses and indicate all accounts on to be transferred money. In templates for automatic sending funds in the future can be added, as indicated on the "Purse" website, transfer from card to card.

Service

Why is this system so good that subscribers are ready to make monthly payments for its use? First of all, it is accessibility. Resource administrators have made efforts to make their service permanently available to all users. Firstly, they have entered into agreements with service providers, according to which the client can use the Portmone.com website even if he has no funds on his personal account. This is useful, for example, if you want to top up your account in order to get internet access again.

Secondly, if you register an account on the "Purse" service, you will be able to use various convenient tools for various purposes. For example, these include quick payments (just fill in the card details of the sender and recipient and click the button to transfer money).

In general, we can say that the authors of the project managed to make something more convenient and comfortable for work from the simple and familiar functionality to all of us than other similar services and services. This, in turn, attracted customers and made the platform so popular not only in the Ukrainian market, but also in Russia and other countries.

The site that we characterize is really profitable. For a nominal fee, she offers affordable rates. And earlier (according to the promotion) provided, judging by the reviews, the "Purse" service replenishment without commission for two months. True, at the time of writing this article, this proposal has lost its relevance.