Online wallet- this is your virtual account for use on the Internet. That is, on the service of the payment system, you are provided with your account as in a bank. Only in the bank there is at least some kind of percentage, but here, as a rule, the percentage is removed from you for transfers, payment for services. Such accounts are intended for payment and receipt of money. The main advantage of electronic money is the instant payment for the services you need.
Let's look at what electronic money is for. With the help of virtual currency, you can pay for purchases in online stores, pay for Internet services provided by the provider, utility bills. People who want to make money on the Internet cannot do without an electronic account.
There are a lot of services that provide you with the opportunity to create your own wallet. All of them are basically similar to each other, but each has its own advantages and disadvantages over other payment systems. One payment system is beneficial when paying for services and goods on the Internet, the other has an advantage when withdrawing funds to your card, that is, a banal cashing out. If you are planning, then you will need more than one wallet.
Top 3 most popular electronic money systems in Russia
1) WebMoney- this is probably the most popular and proven system of electronic money in the Russian Federation, as well as in the CIS countries. It has existed for quite a long time. This project is the most common, for example, in almost any self-respecting online store there is a payment method via WebMoney.
Pros and cons of WebMoney:
Almost all exchanges for making money on the Internet provide the opportunity to withdraw earned money to WebMoney;
Another advantage is the ability to work with different currencies dollar, ruble, euro, hryvnia;
The ability to manage accounts using an application that is installed on a computer;
A huge number of ways to withdraw funds;
The disadvantage of WebMoney is that in recent times this system has been subject to frequent malfunctions and without causal blocking of user accounts;
Commissions for various operations (transfers, withdrawals) are quite high.
2) QIWI wallet- This system is very popular and is gaining more and more popularity every year. Easy registration requiring you to enter your mobile phone number, password and wallet is ready. QIWI wallet is simple and easy to use. With this service, you can make payments very quickly.
Not long ago, the kiwi company began to provide its customers with good bonuses. For example, using Qiwi, you can get cashback from Aliexpress and other popular stores. For those who do not know: cashback is a refund of money from your purchase. Refunds are made as a percentage of the order amount.
This is a payment service from the well-known Internet company Yandex. In order to open an account, you will need to create mail and an account in Yandex. Registration is very simple. Simple and clear interface.
Of the minuses, one can single out only the fact that one currency is provided for use and this is the ruble. High commission for withdrawal.
Among foreign electronic money systems, Paypal can be distinguished. This service is the most common among foreign systems in Runet. Paypal is perfectly adapted to the Russian-speaking Internet user, which is its advantage over other foreign counterparts.
The largest foreign payment system. Registration is not difficult, it requires an email address. The advantage and simplicity is that in fact there is no account number; it replaces your mail address. Paypal account may be required if you are going to make money in the foreign part of the Internet or make payments in foreign online stores.
Tips for all beginners
Get a virtual wallet in all of the above systems. After all, they do not ask to eat, but any of them may be needed. For beginners, to get acquainted with electronic wallets, it is better to start with QIWI, since this site is the easiest to use.
Useful articles
An electronic wallet is a system that is designed to receive and store funds, as well as non-cash payments. Often users are confused about which electronic wallet is better to choose and whether to trust the virtual money system at all.
Despite the fact that settlement transactions are carried out via the Internet, it is a reliable way to carry out monetary transactions. Such services are registered as enterprises and are responsible for their work along with banks.
What are the differences between electronic wallets?
To decide whether you need an electronic wallet which is better to choose, you need to understand what their main features and differences are. You also need to decide which criteria for the operation of such a system are most important to you.
- Commission. Various wallets set their own commission on monetary transactions carried out within the framework of the service. If the electronic wallet will serve as a tool for regular transactions with funds, then it is better to stop at a system that offers a minimum commission.
- Type of currency. When choosing a system, it is worth considering the types of currencies that the electronic wallet supports. There are wallets that work with only one type of currency, and it is not certain that it will suit you.
- Replenishment. Different systems offer the types of wallet replenishment available within its framework. This can be replenishment through the terminal, using a bank account, phone, etc. When choosing an electronic wallet, you need to consider how convenient the options for replenishing it will be for you.
- Reliability. When opening an electronic wallet, the client wants to be calm about his personal data and money, this should be one of the primary tasks for such services. The most reliable are those electronic wallets that cooperate with large companies.
- Withdrawal of funds. Various systems offer their options for cashing out funds. Such options may be transferring money to bank accounts, telephone, mail or receiving funds using an ATM (if you have a card of this system).
Which e-wallet is better to choose: the most popular e-wallets
WebMoney
This service is the most famous, as it has been on the market for almost twenty years. WebMoney works with various types of currencies, and also allows you to change the currency within the system. Using WebMoney, you can pay on any service that supports electronic money transfer.
The commission of the system is low and amounts to about 0.8%, while it cannot be lower than 0.001 WM (the internal currency of the service).
Registering for WebMoney is easy, it can be done remotely, you just need to send a photo or a scanned version of your passport to the system.
This service is very reliable and allows the client to choose the level of security for any operations that are carried out in an electronic wallet.
QIWI
The Qiwi Wallet system appeared on the market about ten years ago and is becoming more and more popular every day. One of the main advantages of this e-wallet is that it is very easy to work with it. All you need to register or manipulate your funds is a phone number.
The system supports different types of currencies, and to simplify the withdrawal of money from the wallet, you can order a Qiwi plastic card and pay with it offline. When withdrawing funds, the service will remove a commission of 2%.
Yandex money
This service began its work about 15 years ago and, like the search engine itself, is designed mainly for the Russian audience. An electronic wallet supports only one currency - the Russian ruble, so you need to immediately pay attention to whether this option suits you.
Yandex.Money is an easy-to-understand and use resource in which you can carry out various operations with money. You can cash out money using a transfer to a bank account, as well as directly through a Yandex.Money plastic card, the service allows you to issue it for free.
The commission for withdrawing funds is 3% of the amount, for transferring to another electronic wallet - 0.5%.
PayPal
One of the most powerful payment services operating on the international market has been in existence for 20 years. Some marketplaces work predominantly with this system, as it has proven to be reliable and easy to manage. In addition, Paypal works with a large number of currencies.
In the CIS countries, Paypal is not yet as popular as, for example, WebMoney, but the service is gradually becoming known in our country.
When registering, the client will be asked to link a bank account to the wallet, in the future the withdrawal of funds will be available only to the confirmed account number. The commission for making monetary transactions ranges from 2.9% to 3.9%.
perfect money
The system has been on the market for about ten years, more often used in the foreign market.
When registering, it connects an electronic wallet with mail or a mobile phone.
The service supports several currencies: euro, dollar, or measure funds at the price of gold. When withdrawing money, a commission of 1.5% is charged.
Instead of total
Electronic money transactions systems allow you to keep up with the times and quickly carry out any manipulations with funds without leaving your home. These services operate constantly and virtually without interruption, which greatly simplifies the system of payment for the work of all who work using the network. Also, electronic wallets make it easier to make purchases from foreign sites, which was difficult when using traditional bank accounts.
In order to make working with the e-wallet system comfortable, you need to register in the system, whose working conditions will fully meet the needs of the client, and only after that, feel free to start using it.
Best regards, Money Hunters.
You will learn what types of electronic wallets are, get acquainted with the rating of payment systems on the Internet and read about how to choose the right electronic wallet for working on the network.
Good afternoon, dear readers! My name is Denis Kuderin, I am a staff expert on financial topics for HeatherBober magazine. I work remotely and receive a salary on an electronic wallet. With it, I pay bills, pay for services and goods, transfer money to a bank card. I rarely use cash - I prefer bank and payment system cards.
I will tell you what an electronic wallet (EC) is and why it is needed, how the WebMoney wallet differs from YandexMoney, what commissions the systems charge for cashing out funds, and what wallets are profitable to use for international payments.
You will learn the difference between an anonymous wallet and an identified wallet and understand why it is better not to transfer digital money into cash.
A guaranteed bonus for the most patient readers: basic safety rules when using electronic systems.
1. What is an e-wallet and why is it needed
Getting an electronic wallet is a matter of 5 minutes. It's free and doesn't obligate you to anything. But you can easily make payments on the Internet, pay for utilities, services of telecom operators and Internet providers, receive transfers for work performed in a matter of moments.
Speed and convenience are the main advantages of electronic payment systems (EPS). You will not lose such a wallet, you will not forget it at a party and you will not leave it in the car.
This does not mean that electronic money is completely safe. There are no less scammers on the Internet than in real life, and their methods of taking money from citizens are no less inventive and sophisticated. But we will talk about cyber security later, but for now let's define the terms.
Online wallet- an online service that allows you to store money and make financial transactions on the Internet. Some operations are available offline - for example, replenishing an account through a terminal or withdrawing funds from a payment system card, but the main manipulations are performed online.
If for some reason you have never heard of an EC, then you probably know what a bank account is. This is the closest analogue of electronic wallets.
Personally, I have accounts in at least 5 EPS: to find out the pros and cons of each of the systems, I tested their functionality in practice. I made my conclusions, but I will not impose on you: each storage has interesting features and there are minuses. You need to choose an EPS not according to the “like-dislike” principle, but according to the criterion of compliance with your personal goals.
EC is convenient for buyers of online stores, freelancers, investors, bettors and all those who make payments online.
The main advantages of EC:
- Rapidity– just one click is enough to make a purchase.
- Reliability- SMS passwords are used to confirm transactions.
- Durability Keep money in your account for as long as you need.
- Anonymity- if desired, the full names of the recipient and sender remain unknown, no one asks for passport data when registering in the system.
- Versatility- almost all Internet companies accept digital money, most banks easily integrate with wallets.
- Round the clock work– platforms are automatic and operate on weekends and holidays.
- Portability and comfort- To work with the EC, you only need an Internet connection.
The legal status of electronic money (ED) in Russia is ambiguous. On the one hand, these are full-fledged means of payment, which are recognized by banks and many federal structures. On the other hand, the law seeks to regulate and control the number of electronic coins in the account and the volume of transactions.
This does not prevent the annual growth of ED operations. They are recognized as official means of payment, and their receipt and turnover are associated with tax consequences for a citizen.
Disadvantages of EC: fees for cashing out, the risk of account hacking and loss of access to the account. If you have an anonymous account and you forgot your password and e-mail that you specified during registration, it will not be easy to return the money.
Keeping a lot of money on EC is not the most expedient way to manage finances, although the developers assure that funds and online transactions are completely protected. However, this does not prevent attackers from periodically hacking into accounts and clearing personal wallets. However, the owners of personal accounts in banks are not immune from this either.
The main rule of security when working in the system: under no circumstances transfer access to your account to third parties. Even if you are asked to do this by EPS employees and managers.
There are other options for hacking an account - clicking on links in letters that come to your mailbox, phishing - a type of fraud, the purpose of which is to obtain the user's personal data.
Example:
My friend named Andrey lost 15,000 rubles by transferring “passwords and appearances” from a Qiwi account to an imaginary seller on Avito. The process of buying a “used but almost new” laptop did not arouse any suspicions in Andrey.
When the seller asked him for personal data, allegedly necessary for the delivery service, Andrei readily handed them over to the scammer via SMS. Only by clicking on the "send message" button, he began to suspect something was wrong - so cleverly the attacker manipulated his trust.
I think you understood that Andryusha was not sent any laptop. And there was no money in the account within a minute after sending the information needed by the scammer.
The danger of such schemes is also that it is extremely difficult to prove the fact of fraud. And if you use an anonymous account, then the police, with all their desire, will not be able to find and return your money.
Conclusion: be extremely careful during transactions, check the status of the counterparty, do not send any SMS with personal data, use the SMS confirmation of transfers.
2. What are the types of electronic wallets
There are ECs that are convenient to use within the country, there are international payment services. Another difference criterion is the currency supported by the EC.
Consider the main varieties.
1) Multicurrency
In such wallets, you have the right to store several currencies at the same time or convert one money into another. Typical examples are WebMoney, OkPay.
Multicurrency services are convenient, but at the same time they pursue their own benefits. When exchanging one money for another, the EPS keeps a commission - a small one, but with frequent exchanges, the losses are very noticeable.
Previously, I periodically transferred WMZ to WMR to WebMoney (withdrawing winnings from a foreign bookmaker). It has always been a shame for me to give interest for the simplest conversion operation.
2) Supporting one currency
Wallets that support only one currency are convenient for those who do not need to exchange money.
Now, for example, I conduct transactions only with ruble currency, so it’s more comfortable and easier for me to use the YandexMoney service, where only rubles are used and nothing but rubles.
3) Drives
Such services are designed not only for storage, but also for automatic payment acceptance. It is necessary for everyone who sells goods and services on the Internet.
Such EPS are ideal for owners of online stores.
3. How to choose an electronic wallet - useful tips and tricks
The list of top ECs includes mostly reliable and convenient services used by millions of people across the country and the world.
But choosing the first EC that comes across will be imprudent: you need to analyze it taking into account your own goals and security requirements.
Tip 1. Analyze the reliability of the payment system
The lifetime of EPS is a reliable indicator of quality and popularity. The oldest EPS in the network have existed since the late 90s and are not going to go into the shadows. So, WebMoney has been on the market for 20 years - this is an excellent indicator for an electronic service.
Another factor of reliability is the security of the account from the actions of intruders. Find out online if there have been cases of hacking, mass theft of funds from user accounts, or other problems.
For example, WebMoney clients from Russia remember the failure, which the project administration called a system one, when withdrawal of funds from storage to a bank card was not available for several months.
Personally, this "breakdown" brought me a lot of inconvenience. I had to withdraw funds using the Unistream or Contact money transfer company - it was long, painful and unprofitable.
Tip 2. Pay attention to the commission when withdrawing funds
The most important indicator for those who use EC constantly. The difference of half a percent does not seem significant at first, but if you calculate how much this comes out per year, you get an impressive amount.
Be friends with mathematics, gentlemen, look for your own benefit.
Tip 3. Analyze the quality of the support service
Well, if there are no problems when working with the service. But if you are constantly dealing with transactions, system failures and delays in transfers happen periodically. In such a situation, the right way out is not to try to solve the issue “at random”, but to seek qualified support.
If the corresponding service of the company works adequately, quickly, competently and resolves the issue in a matter of minutes, this means that the system can be trusted.
And if they answer you after a few hours or the machine communicates with you, it is better to choose another partner for electronic payments.
Read about it in a separate article on our website.
A good criterion is user reviews. But keep in mind that more than half of all negative messages on forums and social networks are the result of elementary non-compliance with the rules and requirements established by the EPS or the distraction of the client.
The user goes broke: “My money that I sent for the purchase in the store is gone! Company XXX is scammers and scammers!” In fact, the user made a mistake with the details and entered the wrong account number for payment. The money went to another company or individual. The user is a dud, and the EPS just did its job.
4. TOP-5 e-wallets in Russia
On the territory of the Russian Federation there are dozens of EPS, good and different.
But this five is especially popular.
1) Qiwi
Simple registration by phone number, instant payments on the Internet, convenient ways to replenish via terminals or a bank account, a clear interface and many useful options for the user.
If you want to take advantage of the additional benefits of the system, order a Qiwi Wallet plastic card and pay online and offline using it.
2) Yandex.Money
Reliable and popular EPS in Russia. Accounts of 3 levels are available to clients - Anonymous, Nominal, Identified. Available amounts for storage on the account are from 15,000 to 600,000 rubles.
For 200 rubles, I ordered plastic poison and use it like a regular bank card - I pay in supermarkets, shops and wherever there is acquiring. They don't take any interest from me.
3) WebMoney
The oldest payment service in Runet. For some countries (Ukraine) - the only available system of Internet payments in rubles. Open accounts in rubles, hryvnias, dollars, bitcoins, even in gold.
Registration takes much longer than in other services, since WM's fad is taking care of the client's security. Sometimes even redundant. For identification, not only passwords are needed, but also key files that must be stored on a computer under seven locks or on a flash drive.
4) PayPal
The largest international company. If you buy clothes, equipment and other goods on foreign sites (iBay, Amazon, Aliexpress), you will need such an EC without fail.
5) Perfect Money
Another versatile platform Works since 2007. High level of protection, convenient versions for phone operating systems, instant payments all over the world. Suitable for investment activities and participation in high-risk HYIP projects.
Comparison table of payment companies:
5. What you need to withdraw money from an electronic wallet - procedure
The withdrawal algorithm is simple and based on the fundamental EPS rule: 100 virtual coins are not 100 real ones, but a little less.
In other words, you need to pay a commission for withdrawal. The size of it depends on the rules within the company and other factors, up to the bank to which you transfer money.
Here is a step-by-step instruction for withdrawing funds.
Step 1. We attach a bank card to the wallet
Almost all EPS have the option of attaching a bank card. I do this as soon as I create a new account. First, of course, I check the reliability of the payment company.
Step 2. We make a scan of the passport pages and TIN for authorization
Not all systems require proof of identity, but be prepared to provide your details upon request. Otherwise, your money will hang in the system.
Passport page photos must be crisp and clear. If the admins do not like the quality of the photo, identification will be denied.
Step 3. Wait for confirmation and withdraw funds
The withdrawal of funds must be confirmed with a password that will come in an SMS message. I always use such an option as SMS confirmation of transactions - it's more reliable.
Money is credited to the account instantly, but sometimes there are unforeseen delays - according to Murphy's law, they happen exactly at the moment when funds are needed right now. In such situations, do not panic and contact support. If it is in their power, they will "push" the payment out of turn.
The principle of operation of the EC in a visual format:
6. Conclusion
Every civilized person should have an electronic wallet. Sometimes this is the most convenient and fastest way to pay for services, purchases, bills and fines on the Internet.
When choosing EC, be based on personal benefit and comfort. There are EPS, which are more suitable for ruble transactions, there are multi-currency and dollar ones.
Question for readers:
In your opinion, what are the main differences between a digital wallet and a bank account?
We wish you a lot of money in your account, regardless of the chosen storage system! Share your experience, life stories, comments and feedback. See you soon!
An electronic wallet today is an ideal payment instrument both for those who buy a wide variety of goods in an online store, and for freelancers - designers, copywriters, translators, SEO specialists working remotely. It makes it possible to make various kinds of payments using virtual money, which can later be easily turned into real money and withdrawn either to a bank account or to a plastic card.
Nowadays, quite a lot of various electronic payment systems have appeared, but only some of them are popular with millions of Internet users. Therefore, our review will be devoted to them. In addition, you will find in this article the answer to the question: which wallet is the ideal choice for online payments?
Yandex. Money: fast, convenient, but…
Yandex. Money (common people - YAD) is the most popular payment system in Russia, which is slowly but surely gaining its fans outside the country. It works exclusively with rubles, and quite real, not virtual. You can pay with this electronic currency in almost any domestic online store. Replenishment of the YaD-purse can be carried out through the terminals of Sberbank, as well as from your cell phone account. It is also possible to deposit funds from any other payment systems or from a bank account.
Yandex system. Money offers everyone to order a special plastic card, to which it will be possible to withdraw funds for settlements in ordinary stores or withdrawals through ATMs within just a few minutes. Almost all operations are carried out with a commission, its volume depends on the amount of the transaction.
Sometimes the commissions are even too high, but this is not the main drawback of the payment system. The main one is the need for user identification, which is currently carried out exclusively in offices in the Russian Federation. This procedure requires serious time costs and often turns out to be the only reason why users from other countries choose a completely different electronic wallet.
WebMoney: the perfect choice for freelancers
Specialists working remotely most often choose the WebMoney electronic payment system, which:
- provides an opportunity to quickly transfer funds to any bank account, withdraw them to payment cards or even receive cash;
- works with several currencies at once (a separate electronic wallet is provided for each) with the possibility of exchanging between them;
- offers a simple identification procedure. To pass it, it is enough to send a scanned copy or just a photo of your passport, without wasting time visiting the office;
- provides a number of additional features that make it better than other systems. These include debt and credit services, the possibility of withdrawing funds in cash (in any currency) through a network of representatives already mentioned above, and so on;
- issues several types of certificates, thanks to which you can gradually increase your capabilities in the system.
The system does not work with real, but with virtual monetary units (WMR, WMZ, WMU, etc.), which, however, correspond to real currencies (in the described case, the Russian ruble, the American dollar and the Ukrainian hryvnia).
QIWI: your account number = phone number
Today you can get an electronic wallet in another payment system - QIWI. During the registration process, it is immediately linked to your phone number, which simplifies the financial management process. In addition, the advantages of QIWI include:
- the presence of a large number of payment terminals that allow you to quickly replenish your account in any city in the country;
- the ability to order the issuance of a card that will be linked to your wallet;
- minimum commission systems for any transactions.
Which system to choose, which of the above wallets is better than others? The answer to that question depends on several important factors. For example, if you permanently live in Russia, then you can open a wallet in any of the indicated services - you will not have any problems with replenishing it, making payments, withdrawing funds. For residents of the CIS who work remotely or often make purchases online, it is better to use the capabilities of the WebMoney system, which creates a minimum of obstacles for non-residents of the Russian Federation.
Hello dear readers. Today we will talk about electronic wallets, namely, we will discuss which of the electronic payment systems provides the best wallet.
Consider only three payment systems -, and Webmoney. These three services are the most popular in Runet, and which of them is the best - we will find out below.
Electronic wallets are gaining unprecedented popularity and this is not surprising. A huge number of financial transactions people began to conduct through the Internet, because it is too convenient. For example, now to buy a new smartphone, you do not need to go to an electronics store for it - just find a good online store and purchase a gadget with a few clicks.
Most often, electronic wallets are used when buying goods over the Internet. Next in terms of frequency of transactions is payment for services. The third place is occupied by users who receive wages on payment systems.
The best e-wallets
No matter how good all of the above payment systems are, they can always find their shortcomings. That's it about the advantages and disadvantages, we should talk below.
QiWi electronic wallet
Immediately, the advantages of this service include the almost complete absence of commission for depositing funds. This is really attractive, since most payment systems take a significant amount of money for these transactions. You can deposit money to your Qiwi wallet using a card, terminal, etc.
Another advantage of this payment system is the ability to acquire a "virtual" Visa card in a matter of clicks. And for this you will not need to visit the bank - the operation is carried out online.
The advantages of the QiWi payment system also include: quick and convenient registration, prompt transfers of funds between wallets, a wide geography of users, unlimited prospects for the development of the service.
Among other things, with the help of a Qiwi wallet, you have the opportunity to pay for various services without a commission. This includes replenishing a mobile account, repaying a loan, transferring money to game accounts and much more. But the biggest disadvantage of Qiwi is an excessively high commission for withdrawing funds to a bank card, especially if you plan to make financial transactions with small amounts.
Electronic wallet Yandex.Money
A very good payment system that has gained considerable popularity in Russia. And only Russia. In other countries, even in the post-Soviet space, Yandex.Money cannot get ahead of its competitors.
After registering in this service, you can order a plastic card for yourself, deposit money there and use it like a regular bank card. Moreover, you can even withdraw cash from ATMs. And this is a huge plus.
Another advantage is that you can store up to 250 thousand rubles on Yandex wallet, which is quite enough for individuals. At the same time, you can conduct an unlimited number of financial transactions every month (deposit, withdraw, transfer money to other users, make purchases, etc.).
One of the biggest downsides is that withdrawing funds from your wallet will cost you 3% of the transaction amount. It is also worth noting that only residents of Russia can use all the functions of Yandex.Money, users of other regions will receive limited functionality.
Electronic wallet WebMoney
This is one of the oldest and most popular payment systems on the Runet. Most users are simply used to working with WebMoney, so they do not pay attention to alternative options that may be better.
The most important and most significant advantage of Webmoney is multi-wallet and multi-currency. After registration, the user has the opportunity to create four wallets at once, for example, for storing and using rubles, dollars, euros or hryvnias. You can transfer funds between these wallets, but inside the system this process is carried out at the internal exchange rate (and it is very often overpriced when buying and understated when selling).
Having a WebMoney wallet gives you the opportunity to pay for a huge number of different services, and their number is even greater than in Qiwi.
The disadvantage of the WebMoney payment system is that almost no one knows about this service abroad, so you will not be able to conduct financial activity with foreign customers or make purchases in foreign online stores.
Also a disadvantage is the registration process itself for users. It would seem that this is a trifle, but it is precisely such trifles that can repel. Each service strives to become more convenient and easier for its customers, but not WebMoney.
Another disadvantage of this payment system is that WebMoney is very often attacked by hackers. Yes, service specialists are trying to release new system updates, improve protection, but all the same, danger can appear unexpectedly and therefore it is better not to store excessively large amounts of money on wallets.
Conclusion - choose the best
To decide which electronic wallet is better to choose, you must first set the purpose for which you are going to register on a particular service.
If you are a freelancer and plan to receive money to an electronic wallet and then transfer it to a bank card, then it is best to get a QiWi wallet. All exchangers from the site (NAME) work very well with this payment system, and most importantly, it is fast and convenient.
To pay utility bills via the Internet, Qiwi is also best suited. But for residents of Russia, I would advise you to get a Yandex.Money card - with it you can also pay for a large number of services without a commission.
A WebMoney wallet, on the other hand, must be created by those users who want to make money on the Internet on various sites (projects), such as boxes, article exchanges, etc. 99% of all earning services work with WebMoney wallets, but not all with Qiwi and Yandex.Money.
But if you are personally interested in my opinion, then in the 21st century, a Runet user should have accounts in all three electronic payment systems at hand. You will get a kind of versatility and variability. They will definitely never be redundant.
