"E-wallets" will not give up without a fight competitors worldwide network

The market of Internet payments was formed under the direct influence of the psychology of the Internet audience. Historically, that of Internet users almost never required to specify the actual personal data, produce documents or otherwise identify themselves. Up to a point identification when using online payment services also was optional: register in the payment systems could be without a real (ie, confirmed) personal data. A few clicks of the "mouse" - and the electronic purse is open. The account was replenished by any company exchanger or outdoor payment terminal, where again no documents are not required. It is easy to see how much all this is different from traditional banking services. Just tightening legislation in terms of counteracting legalization of proceeds from crime, beginning to change the situation. To display large amounts of online payment systems, as well as for making large payments to operators necessarily have to require personal identification. Shepherds elektrodeneg. Today, the undisputed leader in the field of Internet payments are the oldest payment systems "Yandex" and WebMoney. In total, they cover more than 42% of the domestic market, with each holds about an equal share. Despite the just ended the acute phase of the crisis, in 2009, the leading payment systems have shown a marked increase. According to Natalia Haytinoy, deputy director general of the electronic payment system "Yandex" turnover increased by 40%. In monetary terms, the annual turnover of WebMoney has reached $ 7.52 billion in more than 100 million transactions. Since the summer of 2008 to the summer of 2009 users "Yandex" made 16 million transactions, while the total turnover of the system increased by 1.5 times. All other payment systems (RBK Money, Dengi@Mail.ru,, Z-Payment, LiqPay, «Wallet» (W1), and others) can not yet boast of comparable accomplishments. We should also mention the system Qiwi. The brand was launched on the market, "Joint system of instant payments" in 2008, and already in 2009, according to the association of "electronic money", its turnover on the Internet purses of more than 11 billion rubles. True, Qiwi is not in the full sense of the word-line payment system - better known by the brand payment terminals. Besides Qiwi often used as an intermediate point to replenish the "purses" of the above payment systems, although such an operation is hardly beneficial to the client. According to representatives of "Yandex", the commission Qiwi can reach 20% plus additional fee themselves, "Yandex" at a rate of 1%. For many users of the web online payment systems are and remain the preferred and sometimes the only way to pay for goods and services online. This is not only in ease of use, but at a higher level of protection: you do not risk your card data. In addition, since it is more convenient to shop, and the rate of payments is even greater. Business Perspective. "Incarcerated" "electronic purses" for individual users is not always an advantage, especially when it is necessary to expand the business. For example, for entrepreneurs and legal entities in the absence of electronic payment systems, source documents (ie receipts, invoices and other elements of the evidence supporting the charges) was less obvious. There are other problems. One of them was the difference in legal models of market participants makes it difficult to keep records. Thus, if the system "Yandex" operates on the Russian ruble, then have a walk in the WebMoney electronic money equivalent to the Russian ruble (the so-called WMR), claimed as securities, and more specifically - electronic checks to bearer (CP). However, neither lawyers nor experts in accounting, tax or so and still not agreed whether the WMR legitimate securities. Opponents of this view point out that undocumented, according to article 149 of the Civil Code, which can only be registered securities, and hence a check payable to bearer can not exist in electronic form. On the other hand, the Supreme Arbitration Court in deciding the suit LLC "Guarantee Company" to the capital tax was of the opinion that the ECB are fully compliant with current legislation. But the point in this story set early: in April 2011 is scheduled trial de novo in the court of cassation. To simplify record keeping sellers forced to accept from customers electronic money, have to turn to firms to intermediaries. These intermediaries (aggregators payment methods) are able to accept payment of any e-currency, and the seller signs a single contract and receive monthly one set of documents. The main advantage is that you do not want to start their own "electronic purse", to enter into separate agreements with each of the payment system and delve into the legal and accounting tricks. Disadvantage - the additional expenditure. In addition, this solution creates another problem: in case of technical problems in obtaining a mediator suspended all payments at once. Footy cash flow. Unclear legal status of electronic money and the lack of an adequate legal framework pushed some users to implement various dubious schemes or wrongdoing. The most glaring example - "Ponzi scheme" MMM-2011 Sergei Mavrodi, who right at this moment has successfully built on the basis of system WebMoney. In early January, described the fraud in his blog a new scheme, saying openly that we are talking about a pyramid. Representatives WebMoney in response assured the public that all the facts "unhealthy activity," owners "electronic wallets" will be monitored by a company which will prevent the illegal use of "purses." At this Sergei Mavrodi has responded as follows lunge: "Nonsense is all ... In the sense that it is impossible to calculate the system participant. And no 'suspicious activity' he will not. Transfer to a month or two, that's all "active". " Another common scheme is the use of electronic money - to pay for goods and services without contracts and payment of related taxes. In particular, this form of payment used freelancers and their employers. And it is not difficult to guess that these categories of users are in no hurry legalized and unlikely to give up the electronic money in favor of conventional banking services. According to Anatoly Aksakov, deputy of the State Duma and the president of the Association of regional banks, all of these problems is well known to legislators, and that they intended to solve the new law "On the National Payment System," which is currently being prepared for adoption. "Control by the Central Bank and the Federal Financial Monitoring Service, Institute of licenses - all this will be additional mechanisms of control and regulation - explains Aksakov. - Because the activities of payment systems, of course, sometimes provoked suspicion in terms of cash resources, schemes of tax evasion. And if before the operation of such systems as WebMoney, could raise suspicion, but now the Central Bank will closely supervise them. " Estimating revenues and customer base payment systems on the Internet, we can conclude that the conquest of the market may be very interested banks. At the same time it should be noted that banking services have a number of competitive advantages, not only for legal entities. Thus, intra-transfers, as opposed to transfers within the WebMoney, «Yandex» and Qiwi, while in most cases completely free. Adding a bank account, and withdrawals from ATMs are often performed without a fee - compare it with a 20 percent levies in some ways replenishment "elektrokoshelkov." Finally, the electronic media during prolonged storage depreciate, and the money lying in the bank, even on the contribution of "on demand", bring at least the minimum, but income. The war, which is not. Oleg Anisimov, vice president of marketing for the bank "Tinkoff. Credit System "(TCS), believes that competition in the network between banking services and Internet services rather conventional and active Internet users now enjoy the two possibilities. However, with the naked eye there is a tendency, when the number of credit institutions specifically attract a clientele of online payment systems, and then provide similar services, but on more favorable terms. At the stage of attracting banks and provide an opportunity to conveniently recharge with a minimum commission "electronic purse" directly from the accounts. In this respect, is the most advanced Alfa-Bank, to replenish your purse "Yandex" with zero commission, as well as enabling seamlessly convert into rubles WMR WebMoney. No difficulties with the completion of virtual purses and the customers of TCS, and holders of cards Svyaznoy Bank. TCS Bank recently made another interesting offer for the Internet audience by announcing the release of kobrendingovoy card for users of social networks "Classmates", which in a sense, too, is a payment system, as it has circulated its own "currency" to pay for domestic services. When opening a bank account full client gradually accustomed to the conclusion that the electronic money - not only is not always the cheapest way to pay for goods and services. Through the usual online banking is quite possible to pay all the same (service providers, telephone, cable television), not to mention making payments on arbitrary details. At present there is also particular problems with the payment of goods by bank cards in shops, because all of the same aggregators payment methods take a long time, "plastic." In other words, users have fewer and fewer reasons to return to their "electronic purses". Another thing is that the discovery of a plastic card that requires a physical presence in the office, produce documents and wait a few days, very different from entering a few words with registration at online payment system. Bureaucracy and waiting cause irritation of Internet users, although the procedure for identifying the owners of "electronic purses" fraught with similar problems. But the banks are going to meet a client. The greatest successes here have all the same TCR and Messenger Bank. First when opening an account to send a courier to a new client, and the second is used to issue cards a huge network of salons, "The Messenger", which are often in close proximity. On foreign soil. But the online payment system is not going to give up easily. They are now gaining ground, expanding the range of services through the capture of foreign territory traditionally owned by the banks. Recently, a "Yandex" it is possible to pay fines of traffic police, to make tax payments and payments to arbitrary bank details. These services are provided and Qiwi. In addition, "Yandex" and offer a virtual Qiwi bank cards, intended to pay for services on the Internet. These cards are free to accept PayPal and other international payment systems. As explained by Deputy Director General of "Yandex" Natalia Haytina, more than 60% of such transactions - taxes, penalties, random details - come from the region. "We are starting to have assumed that pay taxes and penalties will be mostly public nemoskovskaya of loyal customers. And so it happened. And with them came, and those who just opened an account in the system and immediately took advantage of new forms of payment. " In a similar way the commission payments are, first of all, those customers who do not like to waste time in queues and at the same time, as a rule, do not have their own bank account or access to the normal online banking. With the adoption of the Law "On the national payment system," the whole market can change dramatically. Online payment systems will have to obey the new rules, and some outflow of users will be inevitable. True, they still hope for the indulgence of legislators. "We agree with the fact that many electronic money must meet certain rules for reporting, backup tools, working with clients. On the other hand, if the payment system carries out a hundred-ruble payments and does not give millions of loans, then clearly the requirements for it to be somewhat different than the banks, "- said Natalia Haytina of" Yandex ". But it is clear that banks have already found their niche in this market, and the question is, do they stop there. The popularity of the same banking services on the Internet will grow in any case - especially if the banks will pay more attention to both increase safety and accessibility of their services.