MoneyBookers ч. 1″ pier 1 cc

At the request of listeners write about work with such, in my opinion, very perspective in the expanses of the CIS, payment system as MoneyBookers.

I will make a small reservation right away – I am from the Ukraine, so my experience is mostly related to this country, but as far as I know, the system works identically for Russia.

Also, I decided to “start over”, i.e. something like “MoneyBookers for Dummies”, so if you’ve been using the system for a while, it’s unlikely anything will be new to you.

What I want to note is that, although the system is focused mainly on the UK and Europe, it is very well localized for us. The site is translated into Russian (sometimes rather slow, but all quite clear). Just they have a Russian helpdesk, which is quite competent to answer your petitions. That’s just the speed of sometimes lame. You can wait up to twenty-four hours until they respond to your letter. Also, when verifying, if they call on your phone, they also speak in Russian.

And just need to note that the system is very much paranoid about the data entered, in some places even too much. So be careful when you enter each character, as in many cases to change some of the data is not possible without an additional request to the support. And after the change will require re-verification.

and the account in the system is not a bank account.


Consists of 4 steps.

At the first step you will be asked to enter your email and password. Email will be your unique identifier in the system and with it you will be able to accept payments. Please keep in mind, that the system allows only one account per person/legal entity. If you happen to have more than one account, then one (or possibly both) may be blocked and then you will have to correspond with the support team for a long time and explain why. But if your accounts are not “hit” (yet), it’s better to merge them into one through the procedure of merging accounts within the system.

Next, when choosing the account type, you should specify whether you are a natural person or a legal entity. There is no difference in the work of the system, no matter what type of account you choose. All calculations will be performed either by a natural person or by a legal entity


Place of residence – write NOT where you really live but where you get some bills or where you are registered. What they write in the tips about depositing the account is nonsense. The fact is that the validation of the account, they will send you a letter with a code for the entered address, but in addition to this, they can ask to send scans of the passport with registration, as well as some bills in your name for the last 3 months. Ideally you live where you are registered to live. But if you change your place of residence, it is better that all correspondence goes to one address and there was someone who could forward this correspondence to you.

You should also think in which currency the account should be opened. You may open only one account with one currency. So please pay very close attention to this question. The system will accept money in any currency by converting it into the currency of your account at its internal exchange rate, but problems may arise when you withdraw money to your bank account or card. In my case Alpha bank did not want to accept euro on dollar account, money after a week came back to MB, but commission is missing. Although with Privatbank this was not observed.

Next comes the verification of e-mail and the entry of personal data. It seems to be nothing military except that all you need to enter everything in Latin characters, and once again I want to emphasize that all you need to enter carefully and truthfully. Then you have to confirm, agree with the rules and hurrah! Account created.

We’re in, what’s next?

By default you have a limit of 1000 selected units for withdrawal. But don’t get too excited, your account has to be checked right away. If you do not do this, after some time the system will block your account and you will not be able to withdraw or transfer the money. For address validation you will receive a letter by regular mail with a code inside. The code will need to be entered in the system. The letter is sent via Royal Mail, so it travels comfortably and fairly quickly. I came in 4 days to the province called Alushta (for comparison the same, or even more, is the letter in Ukraine)


Adding a card Nothing military – fill in all data (the card must be in the same last name as your account). The card must be open for Internet transactions. To verify the card, they will take out a certain amount (1.01 – 2.99), and you have to look at the bank how much they have taken out and enter that amount into the system. Then they will put that money into your account. If your card currency is different from the currency in the system, the bank must support automatic money conversion or the transaction will not go through and MB may block the card.

Once the card is validated, your limit will be increased. Multiple cards can be added. All of them must be validated.

Adding a bank account You choose a country, enter SWIFT code (you can get it from your bank’s website). The system will find your bank. Then you simply enter your account number. Account in the bank must be verified to raise the limit and to be able to withdraw money.


Depositing, withdrawing and sending money in the system

To transfer money to the system’s account, you should have a verified credit card or make a transfer from your bank account. In the first case, the system will automatically debit your card with 1.9% transaction fee. In case of a bank transfer, the system does not charge a fee, but you will pay a fee to your bank as if you were transferring money abroad in accordance with your bank’s tariff.

To withdraw money you must have certain amount in your account otherwise you won’t even be shown the withdrawal page. A withdrawal fee of 2.55 USD will be charged for withdrawal to your bank account. (not percentage!). If you have several bank accounts in the system, the withdrawal of more than 350 EUR to non-main account will be charged with a fee of 3,5 EUR. If you want to withdraw to a card, it should only be a visa. The fee is 2.55 USD and it is fixed. (you need to read the fees as they change for some countries)

To send money to another account, simply specify the amount in the selected currency, as well as whether it will be recurring payments (monthly) and whether it will be an escrow payment – i.e. you send the money, then receive the goods and only then the money is released to the recipient and he physically receives it on the account. A large fee is charged for this. Then you specify the recipient’s email, subject, explanations and the money is released. It should be noted that if you send money to a person who is not registered in the system, they will still be accepted for sending, and this email will be sent an invitation to register and receive money. It follows that you need to carefully enter e-mail so as not to make a mistake. Although the system will scream that the box does not exist, but it is better to double check. If the box of such does not exist even in a network, after several unsuccessful attempts to send mail, money to you still will be returned, but with the deduction of a commission.

You can also send a mass payment to a whole bunch of addresses. The principle is the same. Fees are the same.

In general their rates are rather loyal, they take 1% for transferring between accounts, but no more than 0.80 USD. Deposit and withdrawal are also quite loyal. It is better to make withdrawal in big amounts at once, of course it depends on your limit. Money goes to your bank quickly. If you’re not mistaken, you leave your money in the bank, but the rest depends on the bank. In Privat, my money came in 3 days to the bank account. For 2 on the map. In Alfa Bank about 2 days more. Apparently the bank itself does something with them. Well, given that all the world dollar transactions go through America, there may also be delays.

These are the main points I wanted to write about how the system works. I’m going to wrap it up this time. In the near future I’ll write one more article about how to connect your site to accept payments (if you’ll be interested, of course)


Thank you all.

Source: hxxp://

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