Some people think that you first need to enter this money into Yandex.Money, and are afraid to lose it on conversion. But, firstly, you can replenish your account without commission (for example, through Euroset), and secondly, it is very convenient to link your bank card to your Yandex account and pay directly from it. In this case, you do not even need an Internet client, which in different banks is different and not always convenient. You will manage money from your account directly through Yandex.
You don’t have to worry about confirming the fact that you paid for the services: a receipt with a bank stamp can be found in the payment details in the transaction history and printed if necessary.
Many people are interested in the question of how to get confirmation that you really made a Yandex.Money payment (that is, how to prove that you paid).
Firstly, in the "History" section, you can go to any completed payment and find the "View receipt" link there - it will open the receipt image with the bank's stamp (you can also print the receipt using the "Print" link with a printer icon). In most cases this will be sufficient.
Secondly, if you turn to the section " Questions and answers", you can find out that there is an option to apply for a scan of a payment order to the support service. Don't forget to include your payment details. You will be sent a scanned payment.
Also keep in mind that Yandex.Money works in the GIS GMP system and, in particular, sends data on paid fines to the traffic police immediately, and there they are updated within a day. In this case, you do not have to prove anything, information about paying the fine will be updated automatically. But just in case, there is also a way to get a paper receipt by mail.
When paying for Rostelecom services, when you indicate your number or personal account (10 or 12 digits), you may receive a message "You filled in the Phone Number field in the wrong format." In this case, you are sure that the phone number is entered correctly. Yandex.Money support in this case advises "contact the specified service and clarify whether the payment terms have changed and whether you are entering the phone number correctly." Of course, it is pointless to contact Rostelecom here.
Unfortunately, it is impossible to cancel a payment in Yandex.Money. Of course, you can try to contact support, but it is unlikely that you will be able to achieve anything, and you will spend time. Most likely, the amount was not very large, so just learn from this for yourself and be careful next time.
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.
In this article, you will learn how to register and create a Yandex.ru wallet, how to deposit or withdraw money, how to replenish, cash out and transfer funds to the Poison wallet.
Yandex Money is the main competitor of WebMoney in Runet (read about and), as well as, and are quite popular among Internet users.
Hacking Yandex money wallets does not happen as often (however, money was stolen from me the other day, but more on that below), like WebMoney hacking, which can make Poison a more attractive settlement option for.
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. Previously, there was a program that 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).
In order to start using the web interface of the Yandex Money service, you need to register(, the login and password you received will serve as data for registration on all other services of the Runet mirror):
Please note that at this step, indicate the number of your mobile phone optional (you can click on the “I don’t have a phone” button and select Security Question and enter the answer to it). However, if you start a wallet for further work with Yandex money, then it would be better to indicate your 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 just log in to it. There is also an alternative option - entry 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 login (or through social networks) and click on the big button "Open Wallet":
By default, at the first step of registration you are offered enter your mobile phone number:
I strongly advise you to take this opportunity, unless there are good reasons not to do so. The fact is that linked mobile number it will help to restore access to the wallet in no time if the password is lost or the account is hacked, it will allow you to connect SMS-informing about account transactions, and it will also allow you to use not a permanent, but a one-time payment password, which will be sent to your cell phone as an SMS message every time , which will increase the safety of work by an order of magnitude.
Previously, Yandex Many still allowed you to do without indicating your mobile number, but now they have already abandoned this. Apparently, the level of security of working with wallets is greatly reduced.
At the second step of registering with Yandex Money, you will need to enter code received in SMS to the mobile phone number you specified, indicate the contact email, agree to the terms and click on the "Open Wallet" button:
Previously used also permanent payment password, which was transmitted via encrypted channels when you performed some actions in your Yandex Wallet (replenished, withdrawn, cashed out, etc.), but now it has been abandoned in favor of using a one-time payment password, which will be automatically sent to you every time SMS to your cell phone number.
In the future, you can replace it with a password that will be generated by the one set in your cell phone a special application from Yandex, if this seems to you a more convenient option.
By the way, authorization in Yandex Money will automatically terminate 15 minutes after you stop using the service. Therefore, even if you forget to close the Yandex service page with an active wallet, then after 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.
After filling in all the available fields on the registration page, click on the "Open Wallet" button. As a result, you will be redirected to the service page, where at the top right you will see the number zero (this is the balance of your current account), by clicking on which you find out your money wallet number. 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, you will be described other options for working with this view. 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.
To do this, you will again need to click on the amount of your current balance and go to the drop-down menu item “ Wallet Management”, which is shown in the previous screenshot (if you don’t know, then you can search for it for quite 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 specify any of your data, but now, however, you cannot refuse to expose your mobile phone number.
However, this way of working imposes some restrictions on the capabilities of your wallet. There is an alternative way of working when you click on the link "Change status", learn about the new features and how to connect them. By default, your status will be anonymous, but, for example, you won’t even need to go somewhere to convert it to a nominal one:
You will only need to enter your real name and passport data in a special form. But in order to obtain the status of an “Identified” user of Yandex money, you will have to provide the administration of the system in one form or another your passport details, and then new opportunities will open before you, described at the top 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 wanted to poison, but received a thrashing from the system, because I have a registered account, and it is precisely identified that is required for this action. Now I’m thinking whether to bother with changing the status, or display it 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 "Informing" area, you can activate the receipt SMS informing about account transactions expenditure operations and replenishment) by clicking on the link "Pay for a subscription". This service costs 20 rubles per month. Email notifications are, of course, 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, of course). Now all payment passwords are one-time, but you can still make sure, for example, in case of loss of a mobile phone save or print emergency codes, which will allow you to confirm any payment or service without SMS.
Recalling emergency codes now is somewhat unpleasant for me, because today 9 thousand rubles were taken from my Yandex wallet using phishing (I myself gave one of these emergency codes to the attackers). But as I write this article, I hope to gather the strength to describe my shameful carelessness.
If you make payments, transfers and withdrawals from Yandex Money on a stream, then the best option may be mobile application installation, which will generate one-time payment passwords. SMS messages do not always and everywhere reach stably, and the application will always be at hand.
To do this, click on the button with an arrow (a sort of spoiler) in the upper right corner of the “Passwords” area (I would double-check the usability of the new money.yandex.ru interface 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 on Android, iOS or Windows Phone.
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 login and password from your Yandex account, you will also be asked to come up with a password to enter this application to protect you from unauthorized access to the wallet while the phone is in the wrong hands. The application itself looks very nice and easy to use:
Everything, now you can fully use payment system- deposit funds (replenish the account), transfer the required amount to another wallet, withdraw (cash out or simply withdraw) money from the system. To do this, use the corresponding menu buttons 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 mobile phone number (the data is checked against the database on the fly and you will receive a message if such a user is not found in the system):
Although you are free to transfer funds by indicating in the "To" field the mobile phone number of a user who does not have a Yandex wallet at all. He will have to go through the registration procedure described above in the system and indicate his cell number. At the end of registration, he will need to go to the history from the left menu (section "Deposits") and click the "Get" button.
In the "For payment" field, you can enter the amount that you will need to withdraw from your Yandex wallet, or in the "How much" field, enter the amount that you will need to deposit to the recipient's account (it is impossible to withdraw, deposit or transfer money just like that, but only by paying for this is commission to the system in the amount of 0.5 percent from the amount, therefore there are two fields for entering the transfer amount).
- a digital code, without which the addressee will not receive this transfer. You should also set the lifetime of the protection code. This time is given to the recipient for this and that. If he does not enter the correct protection code within the specified period, then the money will be safely returned to your wallet. In any case, protection will allow you to insure yourself in case of incorrect input of the recipient's data.
Then click the "Transfer" button and on the page that opens, after making sure that the amount you want to transfer is correct, enter your Yandex money one-time payment password, which came in the form of an SMS to your mobile phone (or generated by you mobile app- read about it above).
All goods and services for which you can pay with Yandex money, you will find on this page - https://money.yandex.ru/shops.xml (you will get 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, you can set up auto payment. Then the account on your mobile phone will be replenished automatically from the Yandex wallet as soon as the amount of your balance falls below the specified threshold. For the forgetful, it seems to me, that's it.
To confirm the payment, each time you will have to enter a one-time payment password received by SMS or taken from your mobile application (if the phone is not currently available, you can use one of the emergency codes that you, I hope, have already printed and saved).
In the same way, you can pay invoices issued by various services. For example, when paying for or renewing hosting, you choose the Yandex.Money option (if any) and you are transferred to your wallet to confirm this payment.
In your account settings (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 (arrow in the upper right corner of this area) you will be offered three options for working with them:
Let's look at all of them in turn:
In general, in my opinion, there are quite good way see user reviews about a particular exchange office, although this service belongs to WebMoney and is called Advisor. There, users of the WebMoney electronic payment system can leave reviews about the sites they have dealt with.
http://advisor.wmtransfer.com/FeedBackList.aspx?url=menyala.com
Yandex money can be withdrawn and cashed out in several ways, which I will try to list. Moreover, in any case, withdrawal and cashing out will cost 3 percent commission:.
Well, for starters, a sad story about a careless person who steps on the same rake a second time. A few years ago they took away about twenty thousand rubles. After that, I became responsible for security, and made access to all funds possible only through confirmation by mobile phone.
Yes, indeed, a banal hack in this case becomes unprofitable, but social engineering is still working successfully. After all, I knew about such stories, but still I fell for it like a boy and told the thieves everything they needed. (), which completely imitated the Yandex Money interface. And they lured him with a letter warning about the possible blocking of my wallet.
Confidence was caused by the fact that the correct amount of the current balance was indicated in the letter. Apparently, at first they still hacked the mailbox, on the same account with which the wallet lived. Just before the arrival of this fake letter, I received a notification about the replenishment of the Yandex wallet balance, indicating its exact value.
Unfortunately, I read the letter in the Email client and did not notice the obvious discrepancy between the sender's address, marked in the screenshot. As a result, the enemy received one of my emergency codes from me “in good faith”, after I followed the link from the letter and entered it myself into the proposed form on a fake site that completely copies https://money.yandex.ru / (of course, I didn’t even look into the address bar - but in vain).
Earlier, I received a plastic card in Yandex and I spend money from it in stores. But today I was just writing this article and going to the site https://money.yandex.ru/ I was a little stunned by the displayed balance: 33 rubles instead of 9000. I go to the “Payment History” and see two transfers to Qiwi:
I got a little stressed, and while waiting for a call to technical support, I managed to write to them via a ticket, and also went into these payments (on Qiwi) by simply clicking on them and wrote a “complaint” (there was such a button). Remarkably, they unsubscribed from technical support that the money had already been withdrawn and they could not do anything, but in the evening, continuing to work on this article, I noticed that one of the payments was returned to me and the application with my claim for payment was displayed as satisfied .
But the second payment has not yet arrived. Yes, and with the returned money, it seems that not everything is in order, because I could not replenish the balance on my cell phone from them. It is possible that a temporary block has been imposed, or it is possible that the payment was returned erroneously. Learn from my mistakes and do not go to sites from letters, but only from browser bookmarks or through search. This is fraught with the loss of money and a bunch of nerve cells.
The Yandex.Money plastic debit card belongs to the category of MasterCard Gold payment cards and has all their features and benefits.
It is a physical carrier for an electronic wallet in the Yandex.Money system.
Card and wallet have a common balance: upon receipt of a transfer to the wallet or its replenishment, the money immediately becomes available and ready for use on the plastic balance.
It enables:
Its validity period is 3 years.
Starting from December 15, 2015, Yandex.Money issues MasterCard cards World( this category is considered higher than Gold). Their numbers start with 5106.
MasterCard Gold cards continue to be issued by the partner electronic system- Tinkoff Bank. Their numbers start with 5189.
On the site money.yandex.ru you can order personalized cards that will be sent by mail. For those who live in Moscow, St. Petersburg and Nizhny Novgorod, it is possible to get instant card through the office. It works in the same way as the usual one, it's just not a nominal one.
The main advantages of the Yandex.Money plastic card are as follows:
You can apply for a personal plastic MasterCard card on the website. You will need to immediately pay the cost of maintenance (paid once for all 3 years of use): 249 rubles (if delivery to any region of Russia) and 349 rubles (delivery outside the Russian Federation).
It will be sent by post within 5 working days, where it will then need to be picked up. You can track the delivery on the website www.pochta.ru.
By the time it comes in about 7-14 days(how long it will take depends on the remoteness of your region from Moscow).
After receiving, you need to activate the card on the site and get a PIN code:
It should be noted that the PIN code is issued only once. If you forget it, you will have to create a new plastic (reissue is not possible).
At any time on the Yandex.Money website, you can:
You can also ask your questions at the call center at 8 800 250‑66‑99.
Cash withdrawal limits:
You just need to order a new one. If it was tied to any services, you will need to update the data.
In the event that the PIN code was forgotten, the card was lost or it does not work, you must first close it (block it), and then open a new one.
If the card expires, a new one can be ordered in advance: You only need to confirm the delivery address and pay for its service.
Those. there will be no reissue as such - you just a new one will come card with other details (number and expiration date).
The Yandex.Money commission is 3% of the amount + 15 rubles, but the amount cannot be less than 100 rubles. So, when withdrawing 500 rubles, the commission will be 100 rubles. When withdrawing 5000 rubles, the commission will be 165 rubles.
Sometimes banks charge a percentage for using an ATM, this will be written on the screen before the money is debited.
Until December 15, 2015, all cards were issued through bank Tinkoff. Starting December 15, Yandex.Money started issuing some cards on one's own. If the plastic number starts with 5106, then it was issued by Yandex, and if 5189, then it was issued by Tinkoff Bank.
Reading 3 min. Views 2.5k.
Yandex Money is an electronic payment system that allows you to make purchases on the Internet, transfer funds from card to card and to other wallets. Since you can pay an invoice through Yandex Money not only online, but also through branded terminals, we will consider each method separately.
If the site accepts Yandex Money for payment, then this will be discussed in the appropriate section, additionally, at the bottom of the screen, next to the icons of other payment systems, you can see the YaD logo. In online stores, payment of the invoice can be made directly on the site, after placing and confirming the order.
To do this, log in to Yandex Money, and then on the store page, select "Pay via Yandex Money". The system will automatically redirect you to a new page where you will need to confirm the operation. After that, the specified amount of funds will be debited from the wallet.
You can pay the payment directly, through the official website of the electronic payment system. Instruction:
Confirm the operation through the mobile application or by SMS. If everything goes well, you will receive an e-mail with a check.
You can make and pay for purchases through YM, even if there is no money on your wallet. To do this, you will have to link a bank "plastic" to the account, through which the payment will be made. In this case, the system will read it as if the transfer was made through the POISON.
Now let's look at how to pay an invoice through Yandex Money, if there is no account in the system, but you don’t want to create it or it’s not possible. To do this, you can use the offline terminal. It may belong to another payment system, a bank. Their main difference is the size of the commission, which will be additionally withheld.
I read an article about Yandex Payment on Visi-ru. They write that if you accept payments through this form, then you can not break the check, even if the client pays with a card or electronic money.
But everywhere they say that when paying with cards, you need to punch a check and use online cash registers. You also wrote like this
And yet, what is right? If you connect the "Payment", is it really possible not to break the check? What argument to give the tax, if there are questions?
Maxim Olegovich
I consider the comment of the press service of "Yandex-Money" not entirely correct and in some ways even dangerous. The press service may not agree with me - so that my opinion is not groundless, I will cite the documents.
Federal Law No. 54-FZ applies to payments in cash or using electronic means of payment. This is clear from the title of the law. Remember the wording "electronic means of payment". It is not the same as electronic money.
Ekaterina Miroshkina
economist
The press service of Yandex-Money, in its commentary to the Visi-ru portal, gave an inaccurate interpretation of the scope of the law:
No. 54-FZ provides for the issuance of a check when making offline and online settlements. By “settlement”, the law means the receipt or payment of funds using cash or electronic money. Electronic receipts of "Yandex-payments", in fact, are a transfer without opening an account, even if the store and the client use online banking.
Website owners may misunderstand such an explanation and err in the application of the law.
Electronic money is money deposited to a card, online wallet or other means of payment without opening an account. And an electronic means of payment is a way to dispose of this money. For example, pay with a card through the form on the site, transfer money through the "Client Bank" or write off from an online wallet. And I don’t know why Yandex-Money lawyers “assume” that with such forms of payment it is not required to send checks to the tax office.
I have collected quotes from official documents so that you do not have to look for them in different sources. Read carefully what is written in the law and the clarifications of the relevant departments.
Settlement through the "Payment" is bank transfer individuals without opening an account, which the legal entity learns about at the time the money is received on the current account. The legal entity cannot find out about the very moment of payment in the online store, so we assume that sending checks under 54-FZ is not required.
However, we cannot guarantee that our point of view coincides with the point of view of government agencies. The decision to send or not send checks is up to you.
What is the moment of calculation and how to determine it, it is written in paragraph 3 of Art. 16.1 of the Law "On Protection of Consumer Rights".
Briefly like this:
Payments lawyers say that the store cannot find out about the payment. On the phone, the service specialists told me the same thing: the money is immediately credited to the bank. And supposedly only then the entrepreneur finds out that he has received payment.
But from the information on the official website of Yandex Payments, it is clear that the entrepreneur will receive a payment notification even before the money arrives in the account. And there is even an example of such a notification.
Total: "Yandex payment" does not exempt from the need to set up an online cash register
You didn't say what you do. But if your activity is not exempt from cash desks by law and you connect the "Payment", I advise you to rent a cash desk and punch checks. Moreover, the same Yandex has convenient solutions for this.
You can also contact any cash register provider. There are options when the site owner does not need to do anything at all: a special cash desk will automatically punch the correct check when the money arrives in your bank.
