Hello dear readers of the blog site. Today I want to talk in detail about one in the Russian-speaking part of the Internet - Yandex money.
From this article, you will learn how the registration and creation of a wallet in Yandex.ru goes, how to deposit or withdraw money, how to replenish, cash out and transfer funds to the YAD wallet.
Yandex Money is the main competitor of WebMoney in Runet (read about and), as well as, and is quite popular among Internet users.
Hacking of Yandex money wallets does not happen as often (however, money was stolen from me the other day, but more on that below), like hacking WebMoney, which can make Poison a more attractive option for mutual settlements.
In order to start using Yandex Money, it will be important to go through register and create a wallet, which can be used through the web interface. There used to be a program that was installed on your computer (this was considered a safer way, but since 2011 it is no longer supported and everyone is recommended to switch to the first use case).
Registration and creation of a wallet in the Yandex Money system
In order to start using the web interface of the Yandex Money service, you need register(the login and password you received will serve as data for registration on all other services of the Russian Internet mirror):
Please note that at this step it is not necessary to indicate your mobile phone number (you can click on the "I do not have a phone" button and, as a security measure, select a security question and enter an answer to it). However, if you start a wallet for further work with Yandex money, then it would be better to indicate the mobile phone number, because this will increase the security of working with your account.
If you already have an account on this mega-portal, then simply enter it. There is also an alternative option - entering through your social media accounts(Facebook, VKontakte, Twitter, Mail.ru and Odnoklassniki), the buttons of which you will see at the bottom of the authorization form:
After registration you will be taken to the "passport" page, where you can select "More" - "Money" from the top menu.
If you already had an account, then just go to the Yandex Money service under your username (or through social networks) and click on the big button "Open wallet":
By default, at the first step of registration, you are offered indicate your mobile phone number:
I strongly advise you to take advantage of this opportunity, unless there is a compelling reason not to. The fact is that linked mobile number will help to restore access to the wallet in no time if you lose your password or hack your account, will allow you to connect SMS-informing about transactions with the account, and will also allow you to use not a permanent, but a one-time payment password, which will be sent to your cell in the form of an SMS message each time , which will increase the safety of work by an order of magnitude.
Previously, Yandex Many still allowed you to do without specifying your mobile number, but now they have given up on this. Apparently, the level of security of working with wallets is greatly reduced.
In the second step of registration with Yandex Money, you will need to enter code received in SMS message to the mobile phone number you specified, indicate the contact Email, agree to the terms and click on the "Open wallet" button:
Previously, there was also a permanent payment password, which was transmitted over encrypted channels when you performed some actions in your Yandex Wallet (replenished, withdrawn, cashed, etc.), but now it was abandoned in favor of using a one-time payment password, which will be automatically sent to SMS to your cell phone number.
In the future, you can replace it with a password that will be generated by a special application from Yandex installed in your cell phone, if this seems to you a more convenient option.
By the way, authorization in Yandex Money will automatically stop 15 minutes after you stop using the service. Therefore, even if you forget to close the Yandex service page with an active wallet, then in 15 minutes access to your information will be lost, and no one will be able to take advantage of your forgetfulness and withdraw (cash out) or transfer funds.
How to use Yandex Money, settings and features
After filling in all the available fields on the registration page, click on the "Open wallet" button. As a result, you will go to the service page, where in the upper right you will see the number zero (this is the balance of your current account), by clicking on which you find out the number of your money-wallet... Previously, by the way, it was displayed in the left column and it was not necessary to frantically search for it in different menus.
In the center of the main page, they will describe to you other possibilities of working with this type of money (how to replenish, transfer, withdraw, cash out, spend, link a bank card, etc.):
Let's first go over the settings of our Yandex wallet.
Your Yandex wallet settings
To do this, you will again need to click on the amount of your current balance and go to the "Wallet Management" drop-down menu item, which is shown in the previous screenshot (if you do not know, then you can search for it for a long time, which is not good in terms of usability):
Let's start in order. By default, the Yandex Money system can be considered anonymous, because you are free to enter any of your data, but now, however, you cannot refuse to display your mobile phone number.
However, this way of working imposes some restrictions on the capabilities of your wallet. There is an alternative way to work when you click on the link "Change status", check out the new features and how to connect them. By default, your status will be anonymous, but, for example, to translate it into a personalized one, you don't even need to go somewhere:
You will only need to enter your real name and passport data in a special form. But already to obtain the status "Identified" user of Yandex money, you will have to provide the administration of the system in one form or another your passport data, and then you will see new opportunities described in the upper part of the screenshot (extended limits on payments, transfers and withdrawals).
Not all users of the system will need advanced features, but they may be needed by someone who uses Yandex money for the needs of their business. For example, recently I craved for Poison, but received a shock from the system, because I have a personalized account, but for this action it is precisely an identified one that is required. Now I'm thinking - whether to bother with a change of status, or to withdraw as before on WebMoney.
Let's go back to the Yandex wallet settings, which were shown in the second screenshot of this chapter (the "Wallet Management" item in the balance menu of your account). In the "Information" area you can activate the receipt SMS-informing about account transactions (debit transactions and replenishment) by clicking on the "Pay for a subscription" link. This service costs 20 rubles per month. Email notifications are naturally free.
Previously, Yandex Many used a one-time payment password, which was, a priori, more vulnerable than one-time passwords that came to you in SMS messages (free, by itself). Now all payment passwords are one-time use, but you can still insure yourself, for example, in case you lose your mobile phone. save or print emergency codes which will allow you to confirm any payment or service without SMS.
Remembering the emergency codes is now somewhat unpleasant for me, because today 9 thousand rubles were stolen from my Yandex wallet using phishing (I myself gave one of these emergency codes to the cybercriminals). But as I write this article, I hope to gather my strength and still describe my shameful carelessness.
Installing the Yandex.Money: Online Payments mobile application
If you make payments, transfers and withdrawals from Yandex Money on the stream, then the best option may be mobile app installation that will generate one-time payment passwords. SMS messages are not always and not everywhere consistently received, and the application will always be at hand.
To do this, click on the button with the arrow (a kind of spoiler) in the upper right corner of the "Passwords" area (I would double-check the usability of the new interface money.yandex.ru for professional suitability), and in the window that opens, click on the link "Change protection method".
On the page that opens, you will need to go to the "Application" tab, where links will be given to install it in Android, IOS or WindowsFon.
In the case of Android in Google Play, it is called "Yandex.Money: Online Payments" and is set in the usual way.
After entering the username and password for your Yandex account, you will also be asked to come up with a password to enter this application in order to protect you from unauthorized access to your wallet while the phone is in the wrong hands. The application itself looks very nice and easy to use:
How do I use my wallet?
That's it, now you can fully use the payment system - deposit funds (replenish your account), transfer the required amount to another wallet, withdraw (cash out or simply withdraw) money from the system. To do this, use the corresponding buttons on the menu on the left.
For example, in order to transfer money to another Yandex wallet, you will need to click on the "Translate" button and just go to the page located "". In the window that opens, you can specify either the recipient's wallet number, or his email address, or his mobile phone number (data is checked on the fly against the database and you will be given a message if no such user is found in the system):
Although you are free to transfer funds by indicating in the "To" field the mobile phone number of the user who does not have a Yandex wallet at all. He will have to go through the above registration procedure in the system and indicate his cell number. Upon completion of registration, he will need to go to the history from the left menu (section "Replenishment") and press the button "Get".
In the "For payment" field, you can enter the amount that will need to be withdrawn from your Yandex wallet, or in the "How much" field, enter the amount that will need to be deposited into the recipient's account (you cannot simply withdraw, deposit or transfer money, but only by paying for it system commission in the amount of 0.5 percent of the amount, therefore there are two fields for entering the transfer amount).
- a digital code, without entering which the addressee of this transfer will not receive. You should also set the lifetime of the protection code. This time is given to the recipient for this and that. If within the specified period he does not enter the correct protection code, then the money will safely return to your wallet. In any case, protection will allow you to insure in case of incorrect input of the recipient's data.
Then click the "Transfer" button and on the page that opens, making sure that the amount you want to transfer is correct, enter your one-time payment Yandex money password, which came in the form of an SMS to your mobile phone (or generated the mobile application you installed - read about this above).
Everything goods and services for which you can pay with Yandex Mani, you will find on this page - https://money.yandex.ru/shops.xml (you will also be taken to it from the left menu by clicking on the item of the same name). The range of services and goods that you can pay for is quite wide.
When paying, for example, for mobile communications, it will be possible to set up auto payment. Then the account on your mobile will be replenished automatically from Yandex wallet as soon as your balance falls below the specified threshold. For the forgetful, it seems to me, that's the very thing.
To confirm the payment, each time you will have to enter a one-time payment password received via SMS or taken from your mobile application (if the phone is currently unavailable, you can use one of the emergency codes that you, I hope, have already printed and saved).
In the same way, you can pay bills issued by various services. For example, when paying for or renewing hosting, you select the Yandex.Money option (if any) and you will be transferred to your wallet to confirm this payment.
Bank cards Yandex Money, linking and replenishment of the account
In the settings of your account (item "Wallet Management" in the drop-down menu of your current balance) you can find the "Bank Cards" area, where after clicking on the spoiler (the arrow in the upper right corner of this area) you will be offered three options for working with them:
Let's take a look at all of them sequentially:
In the settings section "Informer" My balance "" it will be possible to set up in two clicks and get an informer code with a button for making donations. It is very convenient, in my opinion, because you can see how much money has already been collected and, most importantly, simply implemented:
Check the box to add buttons "Support the project" and indicate the default contribution amount. Then you activate the informer and get a code to insert it into the right place on your or someone else's site. It will turn out something like mine:
Since October 1, Kyrgyzstanis have lost the ability to replenish their electronic wallets through terminals in such popular systems as WebMoney, Qiwi and Yandex.Money. The reason is that the systems did not fulfill the new requirements of the National Bank of the Kyrgyz Republic and did not pass registration with it. Users across the country have sounded the alarm.
The previously legal market was quickly occupied by intermediaries, who, of course, had unfavorable exchange rates, while the National Bank knows almost nothing about them. As a result, electronic money in Kyrgyzstan entered the black market.
Enterprising intermediaries
After the closure of access to replenishment of wallets through terminals, the vacant niche was immediately occupied by intermediaries. They themselves replenish wallets and withdraw money from them for users, but at the most inflated rate.
For example, on the popular Diesel forum, one of the most active livercoval58 users replenishes their Yandex.Money wallets at the rate of 1.45 soms per ruble (as of 20 November). Given that the average market rate on that date was 1.17 soms. The minimum top-up amount for this intermediary is 5 thousand rubles. Those who ask to put 150 rubles on the balance, he asks not to apply.
Another active user of the Daft Punk forum is also uploading money to the popular wallets WebMoney, Qiwi and Yandex.Money. The minimum deposit amount is 100 rubles.
The exchange rate of this intermediary on October 23 was 1.3 soms per 1 ruble. The market for that day was 1.19 soms. To top up your wallet, you need to transfer soms to the local Elsom e-wallet of this intermediary. The time to replenish your wallet after transferring money is from five minutes to a day.
A separate site unipay.info specializes in buying and selling WebMoney. The rate of buying a dollar from him is $ 0.97, selling - $ 1.03. However, this intermediary withdraws money from WebMoney only after complete identification of the user in the system.
To replenish your wallet, you need to send money through the Leader or Contact money transfer system. They also receive cash through a money order. Previously, money to replenish the wallet could be brought to the office of this intermediary in one of the business centers in Bishkek, but recently the information on the location of the intermediary was removed from the site.
Experiment of the National Bank
The Kyrgyz National Bank became the founder of the situation. The regulator decided to introduce compulsory registration of operators of international electronic money systems. He explained it this way: "to determine which of them are present on the country's market, according to what rules they operate." Why did he need this, if these operators are already known to the world and do not hide information about their presence on the market? The NB KR specialists explained that such knowledge will allow them “to reduce the risk of the presence on the market of unscrupulous money transfer systems / schemes that can be used by the population”.
At the moment, Akchabar expects an answer from the National Bank about whether the regulator has begun to receive more information about the operation of electronic money systems and what it knows about the black market.
They are not in a hurry to the National Bank
The NBKR requirement for registration was fulfilled only by the Russian NSCO Payment Center (operator of the Zolotaya Korona payment system) and Kazakhstani companies WOOPPAY, W1 Kazakhstan and Allpay.
But the popular systems WebMoney, Qiwi and Yandex.Money are in no hurry to register separately with the National Bank.
The editors turned to the press service of WebMoney Transfer, where they said that they had corresponded with the National Bank, but its requirements for foreign companies are unrealizable: it turned out that the financial regulator demanded either to create a joint venture or to consolidate partnerships with a local credit institution.
“Now the company is looking for a partner bank in Kyrgyzstan to fulfill the requirements of the National Bank. At the moment, there is no ready-made solution, so we cannot say anything about the timing, ”the company replied.
At the same time, according to Akchabar from several sources, registration of WebMoney in the republic is unlikely. This company, according to market participants, is least of all interested today in spending its resources on registration with the Kyrgyz regulator, which is incomprehensible to it.
So far, the Qiwi system has come closest to solving the registration issue. Its press service said that Qiwi Bank JSC is now on the list of money transfer system operators registered with the National Bank of the Kyrgyz Republic as an operator of the Contact system.
“The bank is currently considering the issue of registering with the National Bank of the Kyrgyz Republic and as an operator of the Qiwi payment service,” the company said.
Judging by the long correspondence between Akchabar and the Moscow head office of Yandex.Money, this company does not fully understand what problems their users have encountered in Kyrgyzstan and what to do about it.
As a result, the press service said the following:
Yandex.Money did not impose any restrictions on users from Kyrgyzstan. The service is still available all over the world, wherever the Internet is. The company operates under a license from the Central Bank of the Russian Federation in accordance with Russian legislation.
We cannot control how the use of the service correlates with the legislation of a particular country: each state has its own laws, to know and comply with which is the duty of citizens of these countries. Now users from Kyrgyzstan can replenish their wallet using a bank card on the service's website. "
However, the latest statement by "Yandex" about the possibility of replenishing the wallet through a bank card does not correspond to reality. Only those who have Demir Bank cards can transfer money. This option is not available to cardholders of all other banks of the Kyrgyz Republic. The Yandex.Money press service refused to answer additional questions.
Erik Azykov, the official identification agent of Yandex.Money in Kyrgyzstan, has more information. He told the editorial office that the issue of registration is currently under consideration by the company's management.
“We are trying to resolve this issue as soon as possible. During the discussion, there are some issues that are closely related to the internal policy of the company", - said the agent .
He added that Yandex does not enter the markets of other countries directly - it is looking for partners and that is its policy. As an example, the official identification agent cited the work of the Yandex.Taxi service in Bishkek: in this case, the company did not even open an office, but found partners.
“Negotiations with the management of Yandex.Money are continuing. We will try to complete them and convey all the nuances that may arise during and after registration, as we understand the inconveniences faced by users in Kyrgyzstan, ”Azikov said.
With a positive decision on registration, it will take about 2-3 weeks. At the moment, user identification is available, and this is the first step in the development of electronic money in the Kyrgyz Republic, added a representative of Yandex.Money.
Note that the National Bank registers operators of international electronic money systems within 15 working days. To register, they need to submit a minimum package of documents:
- indicate your name in the application
- attach a copy of the certificate of state registration of a legal entity
- attach a copy of the permits obtained in the country of registration
- specify the rules for working under the laws of the country where the system is registered.
Who will win?
The Association of Payment System Operators states that today more and more Kyrgyzstanis use electronic money to buy goods and pay for services, significantly saving their personal time. But such an opportunity turned out to be blocked due to the fact that large electronic money systems did not pass registration with the National Bank of the Kyrgyz Republic in the first place.
“It is difficult to name the time frame for solving these problems, since here either foreign operators will have to decide for themselves the need to register in Kyrgyzstan, or the National Bank itself will have to change its attitude towards foreign systems or extend the term for their registration,” the association concluded.
* Financial portal "Akchabar" will continue to follow the topic and inform readers about the situation around electronic wallets.
Publication Electronic money in Kyrgyzstan: the National Bank promoted the development of the black market(% trans "is the intellectual property of the Akchabar Financial Portal."%)
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