E-commerce services allow you to pay for goods and services on the Internet. They are distinguished by a high level of security for financial transactions and can interact with traditional banking institutions. Yandex Money and Qiwi Wallet are most popular in RuNet. Therefore, let's try to figure out which one is better.
registration
Registration in both services is carried out using a mobile phone. To create a kiwi wallet, it is enough to specify the number and confirm it by SMS. After that, the system will offer to fill other contact details (FULL NAME, date of birth, city).
The phone number on which Kiwi is registered is conforming to the personal account. It is used for authorization in the Personal Account, the transfer of funds and other transactions with money.
The account in the Yandex Money electronic payment system is created in the presence of a mailbox on the resource of the same name (if it is not, it will be assigned automatically). Optionally, you can use data from the profile on the social network Facebook, VK, Twitter, Mail.ru, classmates or Google Plus.
Authorization in Yandex Mani, unlike Kiwi, is carried out at the email address or login. A unique ID of the account is assigned individually and cannot match the phone number.
See also: How to create a wallet in the Yandex.Money system
Refill
Balance QIWI and Yandex Money can be replenished directly from the official website of the payment system. To do this, it is enough to log in in the Personal Account and select one of the available ways to transfer funds.
Both payment systems support account replenishment using a bank card, mobile and cash balance (through offline terminals and ATMs). At the same time, on Yandex Money, you can quickly throw money through Sberbank online.
QIWI does not work with Sberbank directly, but it allows you to replenish an account without a commission through the "Loan online". The service is available only for persons over 18 years old.
See also: How to transfer money from Sberbank to QIWI
Withdrawal
It is most profitable to use electronic payment systems to pay for goods and services on the Internet. QIWI allows the withdrawal of funds to the plastic card, to another bank, at the expense of the organization and IP, through the money transfer system.
Yandex Money offers its customers similar ways: to a map, another electronic payment system, to a bank account of a physical or legal person.
Branded plastic card
For those who often cash funds from the account of the electronic payment system, QIWI and Yandex Money offer to order a plastic card. It can be paid in offline stores, use to remove funds from ATMs, including abroad.
If the "plastic" is not necessary, and the account is used only to pay for goods and services on the network, then for stores that do not work with Kiwi or Yandex.Money both electronic payment systems offer free to order a virtual plastic card.
Commission
The amount of the commission will differ significantly from the selected way of removing funds. To bring money to the QIWI card, you will have to pay 2% and additional 50 rubles (only for Russia).
For removal of funds from Yandex, an additional commission in the amount of 3% and 45 rubles will be written off. Therefore, for cashing money, Kiwi is suitable more.
The amounts of commissions for other operations are not different. In addition, Yandex.Money and Kiwi wallet can be associated with each other. Then pay for purchases and services on the Internet it will be even more profitable.
See also:
Translation of money with Qiwi Wallet on Yandex.Money
How to replenish QIWI Wallet using the Yandex.Money service
Limits and restrictions
The maximum amounts for translating funds between different accounts depend on the current status of the profile. Yandex Mania offers clients anonymous, name and identified statuses. Each with its limits and restrictions.
Kiwi Vallet acts in a similar scheme. The electronic payment system offers three types of wallets for its customers, with minimal, basic and professional status.
To increase the level of confidence in the system, you must verify the identity with the help of passport data or in the nearest office of the company.
Definitely say which electronic payment systems is better not. To cash out from an electronic account, it is recommended to choose QIWI Wallet. If the wallet is needed for quick payments and other payments on the network, it is better to use Yandex Money. You can replenish both accounts in cash (through terminals or ATMs) or using online banking.
See also:
Learning to use the QIWI wallet
How to use Yandex.Money service