Virtual card "Yandex.Money": how to create?

To date, there are many types of bank cards - debit, credit, embossed and registered. With the development of technology and the Internet, virtual bank cards have also developed actively. What is a virtual "Yandex.Money" card in general, how to use it, and what is more convenient to find out more about it.

What is a virtual card?

So, in general, virtual cards of the payment system "Visa" or "Master Card" are special types of cards designed to pay for purchases or works of other calculations via the Internet. Usually these cards do not have a physical carrier, respectively, with their help you can not pay in a regular store or get money at an ATM.

Why is the virtual bank card "Yandex.Money" best for calculations via the Internet? Its main advantage is an increased level of security in the calculation, as well as an additional guarantee that your primary card will not suffer from the disappearance of money in an unknown direction.

Probably, you have already heard about phishing, which is a separate type of fraud with plastic cards when calculating it through the Internet. What dangers can lie in the holder of a simple card? For example, you have decided to purchase goods through an online store and are going to pay for the purchase of a simple card. To confirm the payment, you will have to specify the card number in full, and in most situations also a special three-digit security code. It is clear that theoretically the store can use the information received for its own purposes, and the attacker who intercepts the data will be able to calculate the purchase in another online store.

If you use "Yandex.Money", virtual card MasterCard or Visa, the risks are reduced to the very minimum. First of all, most of these cards have a limit on limits and a limited validity period. Some cards can only be used once, and even with the knowledge of the number and secret code, they can not be used again. Other virtual cards with the possibility of reusable use can operate for several months, but they have a limited cash limit, that is, attackers, even if they wish, will not cause you any significant damage.

"Yandex.Money" is a virtual card (Visa or MasterCard), which can be used only once. For example, you need to pay something - created a card, set a certain limit for calculations, paid for the acquisition.

When you create virtual cards, the financial aspect is also important, that is, they are not released for free, so for each specific case you should compare what will be more profitable and safe, constantly purchase a new card or buy a reusable card.

How to calculate a virtual card?

Usually the plastic card is checked for authenticity by its number, validity and special security code - these parameters are entered during the payment. Accordingly, in the same way, authenticity is checked and when paying for purchases via the Internet using ordinary bank cards. Only they have for greater security still come to the phone with a one-time password to confirm payment.

Virtual card from "Yandex" - a card without a card

It is very difficult to challenge the fact that it is very convenient to use bank cards . They allow you to pay for purchases in stores, even if there is no cash in your pocket. But in order to issue a card, you should contact the bank branch. But if you need it only for calculations via the Internet, it is best to issue a virtual card. For example, a bank card "Yandex.Money" (virtual) will allow you to pay through the Internet without any problems. In addition, with its help you can pay bills for utilities, cellular communications and other payments directly from the couch.

How can I issue a virtual Yandex.Money card?

It's all very simple. To do this, do not necessarily go somewhere in the office, just go to the site of "Yandex" and register an electronic mailbox. Further it is required to enter into the personal office where it will be possible to order release of a card. To do this, go to the section "Money" and start an electronic wallet. To him immediately automatically issued and a card on the resource "Yandex. Money." You can create a virtual card yourself. The website also has a corresponding section. After the release, the card should be activated and it can be used.

It is much easier to make such a card if you are already a user of "Yandex mail". Pay with it you can only buy on the Internet.

Ways to recharge the card

Before you start using the received card, you need to replenish the account. There are several ways to carry out this operation and they are divided into three groups:

1. Replenishment of the purse from the already available card.

2. Replenishment in cash.

3. Transfer to the Yandex card of money from another resource.

If you are a holder of a "Visa" or "MasterCard" card, go to the top-up section of your account and select the appropriate line from the list. Next, a window appears in which you need to enter the requested details and confirm the transfer to the Yandex.Money card.

In addition, the bank card "Yandex.Money" can be replenished and through the ATM. You can do this in the following banks:

- Sberbank - when you replenish the card account commission is not charged even when paying from the card of another bank.

- MTS Bank - the commission for replenishment is also not charged, but you can only credit funds from cards issued by this bank.

- "Neryungribank", NOMOS-Bank, RPS "Golden Crown", "Ural Bank for Reconstruction and Development", "Kholmskkombank", "Energotransbank" - these banks also do not charge fees for transfers, but replenishment is carried out only from the corresponding bank card.

- VTB-24 - a commission of one percent is charged for the transfer, but not less than fifty and not more than two thousand rubles. Enrollment is made only from VTB-24 cards.

- "Gazprombank" for this service takes three percent of the commission, and the transfer is carried out only from its cards.

- "Uraltransbank" takes a commission of three percent. Admission can be made from any bank card.

- "Chelyabinvestbank" (the "City" system) - the commission is also three percent. You can transfer funds only from the cards of this bank.

To make the virtual Yandex.Money card successfully replenished through the ATM, you need to have a corresponding bank card. The only exception is Sberbank, because through its terminals it is possible to make payments even in cash. In addition, you must know the account number in "Yandex.Money". If you replenish your account through an ATM, the payment amount will be limited to fifteen thousand rubles. As for the commission, it is better to specify it in advance at the payment acceptance point.

If there is no card available, then there is an excellent possibility of replenishing your account with cash:

- Through self-service terminals. Using this method, you should carefully consider the amount of commission charged. Some terminals do not take it at all, but in others it can reach ten percent.

- Make payment in the offices of partners of this payment system. Here, too, the commission can reach seven percent. Before payment this point should be specified.

- Use a translation system, for example, "Contact", "Unistream" or "Russian Post".

When you replenish the purse "Yandex.Money" in cash, the same restrictions are established as when paying with a bank card. You just need to give your account number and the amount to fifteen thousand rubles. You can also make a transfer from the purse Web Money. The commission for such a transfer is about five percent.

Virtual card "Yandex.Money" - how to pay for purchases?

After the card is drawn up and its account is replenished, you can start paying for purchases. The scheme is very simple and common for all stores on the Internet. Due to the fact that the virtual card "Yandex.Money" has a payment system "MasterCard", at the time of payment it will be required to specify the card details and confirm the payment.

Choosing a method of payment, it is required to show care and make sure that it was chosen online payment card "MasterCard". In a different situation, you have to pay for the goods already when you receive and not a virtual card, but a regular card.

The established tariffs, limits and commissions

Paying for purchases through the Internet, it is necessary to remember about levied commissions which have not only usual cards, but also a virtual card "Yandex.Money". Feedback from users on this issue suggests that the amount of commissions is not so great, so using the card is very convenient. Accordingly, the costs will be slightly higher than expected.

What do you charge a commission for?

Additional payment will be charged for the following operations:

1. Replenishment of the account "Yandex.Money". Depending on which method is used for this operation, the commission can vary from 0 to 10 percent. This question should be specified when translating.

2. If you withdraw funds from the card account, a commission of 3% + 15 rubles will be charged. If you use any payment system, for example, "Contact", you can also charge additional commission, but by the system itself.

3. The release of the finished Yandex card will be free, but if necessary, it will be paid by mail 149 rubles (if delivered within the country) or 199 rubles (if the delivery is necessary abroad).

4. When transferring funds to a virtual card account, there is a limit on a one-time payment, which is fifteen thousand rubles.

What are the advantages and disadvantages of the Yandex.Money card?

The card is issued very easily and quickly. This requires only the presence of a computer with the Internet. Among the advantages of this card are the following:

1. Convenient to pay for purchases in online stores.

2. Ability to pay for purchases through Google Play or the App Store.

3. Payment of cellular communication without commission.

4. Payment of various bills automatically.

Be sure to remember about the possible commission for payments, so you should calculate your costs in advance. In addition, it is necessary to take care of safety. Never, under any circumstances, notify anyone your login and password, so as not to get into the situation of unauthorized use of funds by third parties.