QIWI is this a scam? Review and Customers Reviews

Why QIWI?

Multifunctional system QIWI has gained widespread popularity among users. It appeared in Russia back in 2008. Initially, the service was payment systemThe advantage of this service is the simple functionality of the terminal, the bank, the system of electronic purses, and the advertising service.

The efforts of the team of professionals resulted in a stable reputation, which is associated with simplicity and trust. QIWI provides users with affordable tools for making payments to online stores, government organizations, utility and communication operator bills, banks and payment systems, and doing business.

Additional opportunities were provided to clients after the launch of the virtual card system, and then with the issuance of plastic cards that could be used offline. During its operation, the company became an active participant in trading on the securities exchange, launched a children’s educational program and a charity program. In addition, in 2015 it installed a QIWI post office, and a year later the installment card “Sveist” was issued.

At the moment, the company actively operates in 8 countries, including Russia, Kazakhstan, Moldova, Romania, Belarus, USA, Brazil, Jordan, and is present in the market of 9 countries with the provision of services under franchise agreement. At present, the system serves 21.8 million e-wallets, uses 136 thousand kiosks and terminals, and conducts transactions using cash and non-cash funds.

In Russia, most transactions take place through QIWI Bank, which develops and implements new products and gives users the opportunity:

• to replenish bank cards and accounts;
• repayment of credit obligations;
• pay for utilities;
• to pay for public services;
• make international transfers;
• use bank cards, Internet banking.

What is it really like to Kiwi? Revieweek or a reliable and convenient tool, with which you can effectively and easily solve numerous issues? The answer to these and other questions is in the detailed review.

Kiwi for sports betting

The widespread distribution of QIWI in Russia and the CIS countries has made it one of the most convenient tools for working with bookmakers. Therefore, many companies actively accept payments, and also allow you to withdraw money from the system to electronic wallets QIWI.

QIWI for buying/selling cryptocurrency

Popularity Cryptocurrencies gradually increasing, and its proliferation provokes market growth and causes more and more excitement. With such popularity, many payment systems were forced to recognize cryptocurrencies, including those that proved themselves to be some of the most reliable long time ago. QIWI was no exception. This makes it possible to use QIWI electronic wallets to make transactions with cryptocurrencies through exchange offices and exchanges.

How do I use qiwi.com to pay for goods and services?

Today, QIWI tools can be used to pay for goods and services on the Internet and in offline stores. The system qiwi.com allows users to pay for Internet, mobile communications, games, entertainment, utility payments, government services, etc. In total, there are 23 main categories of payments in the system. In addition, users can use QIWI to make money transfers directly to the merchant’s e-wallet within the system through the Contact system.

In addition to using an electronic wallet, users can pay for purchases and services with a virtual or plastic card. The validity period of such cards is from one to five years. If necessary, a card from another bank can be linked to the wallet. This allows not only to replenish the account from it, but also to pay directly from the card online.

How to register in the QIWI payment system?

To register with the system, go to qiwi.com and fill out a short questionnaire. The first step is to enter a cell phone number in a special form. For this purpose, it is necessary to select the country in the window, as well as to confirm that the user is not a robot, enter the code sent to the mobile number in the appropriate field of the form.

The next step is to come up with a password. And at this point the registration in the system will be completed. By default, users automatically open the main account, and if necessary, you can open additional accounts in other currencies. It should be remembered that if the wallet has not been used for 180 days, it is removed from the system when the balance reaches zero.

Account type

By default, after registration, users are assigned the status of the wallet “Minimal” and the main account is opened. If necessary, it is possible to change the currency of the main account, as well as to open additional currency accounts to make payments without converting money.

Each status has its own limits, and upgrading the status gives you access to additional features of the system. To increase your limits and change your status, you must be verified.

How do I get verified at qiwi.com?

Verification is necessary to increase the limits and expand the user’s ability to use the system. The procedure itself is quite simple and does not take much time. It consists in filling out a small questionnaire, where it is necessary to specify personal data, as well as the date of birth, series and number of the passport. The online procedure is available to residents of Russia. In addition, you can go to one of the company’s offices located in major cities.

As for foreign citizens and residents of other regions, the verification procedure for them is somewhat more complicated. After all, it is not possible to confirm their data online. On the territory of Russia it is possible to verify at the Contact system, the bookmaker’s office Olimp, Bingo Bingo, and Svyaznoy/Euroset shops.

Deposit and withdrawal from QIWI

There are many different ways to deposit and withdraw funds from the system, among which users can choose the most convenient for themselves. When making transactions, it is necessary to take into account that some of them will require payment of a commission, the amount of which depends directly on the terms of the intermediary. To replenish your account with cash, it is enough to use one of the terminals.

One convenient way to refill accounts was the ability to use a direct link that can be shared with friends through messengers and social networks.

As for the withdrawal of funds from the system, QIWI offers to use for this purpose one of the most convenient ways. For example, to transfer money to a bank card, bank account, withdraw money through an organization account or use the money transfer system to another e-wallet.

Currency of operations

As mentioned above, when registering in the system Kiwi automatically creates a main wallet in Russian rubles. The main wallet is used for payments in the first place. If there is not enough money on this account, the system can use other currencies to pay bills after money conversion. In total, the system provides the use of 4 currencies – Russian rubles, U.S. dollars, euros, tenge.

Commission

As for commission fees, the system charges for different operations. For example, when you top up your account from your cell phone balance, a commission of 7.5 to 12 percent is charged. When ordering a card, you will also have to pay a certain amount for its issue, which differs depending on the type of card.

Payment limits

The presence of limits and restrictions on the use of funds on the account is closely related to the status assigned to a particular profile. There are a total of 3 statuses for users: “Minimal” (assigned upon registration in the system), “Basic” (assigned after passing the first stage of verification), “Professional” (can be obtained upon completion of verification).

With the minimum status, the account can hold a maximum of 15,000 rubles, the amount of payments is limited to a limit of 40 thousand with a maximum size of one transaction of 15 thousand. The Basic status allows up to 60,000 rubles in the balance and 200,000 transfers per month. The professional status allows you to keep on the balance an amount up to 600,000 rubles, make transfers and payments up to 4 million monthly, if the amount of one operation does not exceed half a million.

Restrictions on withdrawals to QIWI

As mentioned above, restrictions are related to the status assigned to a particular account. For example, users with the “Minimal” status cannot withdraw cash from a QIWI card. Having the “Basic” status allows you to actively use the system and withdraw up to 5,000 per day and 40,000 per month if necessary. With professional status, you can withdraw up to 100,000 per day and up to 200,000 per month.

Bonuses from QIWI

The main bonus that users can get when using qiwi.com, it is necessary to specify the availability of a cashback. Thanks to the developed system of partnerships, users can get back to their account up to 8 percent of the purchase amount.

The affiliate program involves many large companies and trading platforms, which allows you to save and get additional benefits on purchases. Funds are credited to the wallet within 2-3 weeks. The use of special software will allow users to be reminded of bonuses when using a browser.

As an additional bonus, which can be obtained by using QIWI, you can specify the presence of piggy bank. Moneybox allows you to collect money for any purpose. This function is created especially for organizers, activists and freelancers. It can be used in messengers, social networks and websites. At the same time it is easy and convenient to work with this function because there are convenient ways to deposit, transfer and withdraw money.

Reviews of the QIWI payment system

Monitoring of reviews on the network shows that there are quite a few users of the system, among which there are both satisfied and dissatisfied customers. Among the main disadvantages, which are most often mentioned by users in comments, it is necessary to specify blocking of funds, problems with verification, unstable work of the support system. The last point, according to the company itself, is associated with a heavy load, which is due to the influx of customers.

As for the main advantages that attract customers, they include the speed of transactions, opportunities to use Kiwi online and offline, the lack of additional commissions when paying with plastic cards.

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Kiwi regulation and license

Any branch of economy is regulated by legislative acts. Introduction of new laws that touch upon the issues of regulating relations in the sphere of electronic payments allows regulating both rights and obligations of the parties. Studying of this documentation allows avoiding a lot of troubles and carrying out activities within the framework of the current legislation.

License qiwi.com

According to the official information on the website qiwi.comIn Russia, the company operates through QIWI Bank on the basis of a license issued by the Central Bank of Russia № 2241.

• View information about Qiwi JSC (on the website of the Central Bank of the Russian Federation);
• Document from qiwi.com: “Offer” (See), “Rates for Qiwi Services” (See), “Policy on Processing and Protection of Personal Data” (See).

QIWI User Agreement

On the official resource in a separate section “Offers” numerous documents regulating the relations of the parties in all areas of the company’s activity are posted. The main attention should be paid to the offer of comprehensive services for individuals, as well as to the terms of purchase and use of prepaid cards. Paragraph 1.6 of the service offer states that the bank is not a party to the transaction, does not bear responsibility and does not provide guarantees.

The Bank has the right to refuse service to the client on the basis of paragraph 1.7.

About the entry into force of the offer and the existing restrictions are described in paragraphs 1.9. and 1.10.


The procedure for using the e-wallet is described in clause 4.2. Authentication issues are covered in clauses 4.3.-.4.5, including the need to go through the verification procedure.

The identification procedure is described in paragraph 4.7. The provision of personal information is described in clause 5.1.2.

A number of restrictions on the use of the system are listed in paragraphs 5.1.7.-5.1.9.

Information on the sequence of actions with the balance is present in paragraphs 5.3.5.-5.3.9. The procedure of refund to the card is described in paragraphs 4.6. and 4.7. of the offer for the receipt and use of cards.

The right of the company to request documents from the client is specified in clause 4.13.

The dispute resolution procedure is described in paragraph 8.

Customer Service

On the territory of the Russian Federation QIWI provides the following types of support:

• Phone: 8-800-707-77-59.
• Social networks: Vkontakte, Classmates, Twitter, Facebook, Instagram.
• Feedback form on the site for individuals.

The company’s press office can be contacted at: +7-495-783-59-59 ext. 4617 or by e-mail: [email protected], [email protected].

Is the QIWI payment system a scam?

The facts studied, the information provided on the official website, monitoring of reviews on the web – all this allows us to say with certainty that QIWI – is not a scam. At the moment QIWI is a multifunctional system, which provides ample opportunities for individuals and businesses. With its help, it is possible to make purchases, pay for services, make payments to the budget, pay utility bills, repay creditsThe system also allows you to transfer money within the system, to withdraw it to bank accounts and cards, to other electronic systems, and to use it to work in the stock exchange and betting industry.

The system itself is constantly being improved and developed, which allows you to use electronic wallets, virtual and plastic cards, receive bonuses in the form of cashback, collect funds, receive remuneration, to conduct active social activities. It should be mentioned that the payment system QIWI has a reliable protection, which is constantly being improved, and to increase the level of security allows the verification, the connection of notifications for transactions.

Conclusion

In conclusion it should be noted that the use of electronic payment systems today is widespread, primarily due to the convenience, reliability and ease of use. In this sphere QIWI is in a strong position to operate internationally, to operate with user funds at their behest, to expand the functionality of the system, to promptly respond to customer needs, to make necessary adjustments, and to create new products.

The use of electronic wallets, cards can be an excellent solution for any client, will allow to attract new clients to commercial organizations, to quickly make payments, to carry out settlements, including in automatic mode, to use monetary resources with the maximum benefit. However, you should take into account that there are certain limitations, commissions and limits. Therefore, before making a choice in favor of a particular solution, you need to analyze and compare the benefits and costs associated with the use of the system as a whole and for specific purposes in particular. This will allow you to avoid unpleasant moments later.