What you should be avoided from the HYIP?

1. Never ever put the same user or password HYIP with your e-currency such as https://www.perfectmoney.is/, if you do the same user or pass your e-currency could be hacked 
2. Careful with HYIP that suddenly change of the rules of his plan and the profit. For example, at first instance HYIP''s give 200% profit, but the next day suddenly became 400%. These characteristics of HYIP that will be scam shortly.
3. Use the email that registered to your e-currency to do transaction only, that means no emailing, or register HYIP with it.
4. Never reply any incoming email that is used to register your e-currency.
5. If there is an email from the HYIP site that you are in there or not,watch out for any link there. if there is any link that redirect you to your e-curreny, NEVER click it. if you do click it, all your money will be gone.
6. Never make more than 1 HYIP account in 1 IP address in the same site.
7. And for me, I usually never do any compounding before BEP i am doing this to minimalize loss.

Plus minus in HYIP
Plus : 
- Absolutely huge profit. 
- Investment plan money made from student size to the ultra rich size.

Minus:
- You should be super extra careful in HYIP.
- There are a looooott of site that scam but still online. 

Usually HYIP admin used your money to :
- forex
- broker
- property
- commodities

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Stop Losing Money On HYIP Programs

If you invest in hyips first time and Lost some money, then don’t be scared. Anyone who has tried to invest in HYIP must lose his or her money in the first time. This does not mean that you have to give up, the more you invest is the more you will start earning the money. Many people have been investing in HYIP programs, of course they lost their money in the first place but they didn’t give up. They decided to learn more on how HYIP works. And they later found out the real HYIP programs that pays you.

If you are new to this type of investment, losing a few bucks is a must. But if you have done your homework well then you will not be a victim of any kind of scam. As you get to learn more about this program you will gain the required experience and you will not lose your money to HYIP scams. Research is always the best way to finding any solution. You cannot choose to invest on things that bring about loses, it is wise to invest on things that bring interests.

Simple steps that will help you not to lose your money;

First before choosing to invest in this program you need to understand the risks that are associated with HYIP programs. A simple rule that you should know is that “do not invest more than you lose”. Always be prepared to learn from mistakes and once you have made a mistake it is not the end of everything. Learn from them.

Secondly, don’t think that HYIP investments will solve your problems. Ensure that you don’t depend on it to pay your debts, pay your debts and use this program just as a second source of your income.

The other point that you should have in mind is to know the biggest HYIP Monitors. hyiprate.net, payinghyiponline.com and hyipinvestmentmonitor.com. These are the best three hyip monitors. They do offer the direct information from investors and they know what they are talking about.

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Which is the best Digital E-currency for HYIP on 2014?

Liberty Reserve was closed by U.S. government since last year because of money laundering involving child pornography，Digital E-currency appears very chaotic situation，After Over a year，At present, the situation stabilized，HYIP industry is now a major recipient Perfect Money , Egopay , Payeer , SolidTrustPay and Bitcoin.Here we compare the characteristics by which their better.
Perfect Money it one of the biggest online payment processors currently prepared to allow HYIP related websites.Previously the single biggest processor was LibertyReserve until they were closed down by US financial authorities and their owners arrested by various police forces and extradited to the US.Perfect Money take action against ending up in the same courtroom as their former competitors. Within weeks of the LR seizure, PM made the announcement that all accounts belonging to US Citizens/Residents/US Companies were to be disabled.True to their word this rule was enforced starting on the 1st of July 2013.Perfect Money certification is very simple. Only need to upload your passport and proof of address.Certified Perfect Money account transfer fee is 0.5%, which is very low compare with other Digital E-currency.If you are not a U.S. citizen, the author is recommended that you use Perfect Money as Payment processer.
Egopay also have a lots of users.they also deciding to shut down US based accounts on March 14 2014,US based EgoPay account holders will no longer be able to receive any payments into their accounts. This is followed by a two week grace period during which you are allowed to withdraw any funds still held on account. After that, your account is to be permanently closed.Egopay transfer Fees is 1.5%+$0.25 for Personal accounts,2.5%+$0.50 for Business accounts. It is higher than Perfect Money.
Payeer is the new Digital E-currency,they opened after LR was closed. they accept American citizen registration. Because Payeer is a new digital currency,they needs to seize the market.The fee for transactions between Payeer accounts is 0%. Yes, it's free!All transactions are final and nondisputable.Let's take look PAYEER growth.
SolidTrustPay is not very popular in the HYIP industry.Because their certification is very troublesome,Transfer limit is very low.Most of hyips are not accept Solidtrustpay as payment processor.
Bitcoin is a software-based online payment system.It is seen as a substitute for LR,Because they are very simple to use, transfer fee is the lowest.It is easy to buy/sell bitcoin.Almost all of hyips are accept bitcoin deposit.No matter where you are.You can easily use it
Obviously if you are American and directly affected by what’s going on now your comments are most welcome, however I think everyone should feel free to contribute no matter where you are from. You can write to me directly.

This article copy from PayingHYIPonline

What is Payeer?

Join Payeer® by opening your multi- payment Payeer® e-wallet today.
Besides using Payeer® to pay for goods and services on websites the world over, you will enjoy the convenience of services that include currency exchange, receipt and transfer of funds across the globe, using free Payeer® electronic transfers, quick and secure and with no fees attached. You can transfer funds to any of seven million citizens across the world, even if the receiver is not a Payeer® system account holder.

Payeer® automatically creates a new account when incoming transfer requests are made, sending access details to specified contacts. You can use personal e-mail, Payeer® account numbers, or phone numbers to transfer funds worldwide. You can also make external transfers to other payment systems, including: PerfectMoney, Okpay, Paypal, Ukash, Egopay, STP, Payza, Liqpay, Webmoney, Yandex.Money, Visa Qiwi Wallet or to Visa International and MasterCard Worldwide cards, any banks by SWIFT and ACH transfers, or by the issue of virtual cards and many other convenient ways of globally handling funds. Process currency exchange, receive various payment systems on your website or bill clients without maintaining a website. With our API, you can arrange automatic payments to various payment systems, bankcards and banks. To join Payeer® today, see our affiliate program or start an automatic exchange service on your website though your API connection to our processing gateway.


1. Payeer® E-wallet.
http://payeer.com/en/
You can send money instantly by using Payeer Transfer for FREE (0% + 0 USD) for all over the world. Receiver pay low fee (0.95%) - for example Egopay/STP/Paypal cost up to 3.9%. You can send/withdraw instant transfers from Payeer account to: PerfectMoney, EgoPay, STP, PayPal, Bitcoin, Payza, OkPay, Visa, MasterCard, Wire, Liqpay, Visa Qiwi Wallet, Yandex.Money, Webmoney, W1 and many others ways. API available for all E-wallet functions!

2. Merchant Service. API.

Accept more than 150 payment methods on your website or invoice customers, with or without a website.
Payeer®, PerfectMoney, EgoPay, STP, PayPal, Bitcoin, Payza, OkPay, Visa, MasterCard, Wire, Liqpay, Visa Qiwi Wallet, Yandex.Money, Webmoney, W1 and mane others ways.

3. Automatic Exchange.

Payeer®, PerfectMoney, EgoPay, STP, PayPal, Bitcoin, Payza, OkPay, Visa, MasterCard, Wire, Liqpay, Visa Qiwi Wallet, Yandex.Money, Webmoney, W1 and mane others ways.

4. Mass payments. API.

Using Payeer® Payout you can easily organize automatic or mass payments on your website and transfers from your Payeer® account to your customers through API integration.

You can send instant transfers by API from your Payeer® account to: Payeer®, PerfectMoney, EgoPay, STP, PayPal, Bitcoin, Payza, OkPay, Visa, MasterCard, Wire, Liqpay, Visa Qiwi Wallet, Yandex.Money, Webmoney, W1 and other!

5. Affiliates / Partners Program

Earn up to 40% of Payeer® profit from all operations conducted by our clients and their referrals, at several levels. Place the partner link to our site or a banner in your forum signature, or blog. Instant withdrawal of your funds from the account can be facilitated.

6. EXCHANGER API ®

ROFITING FROM E-CURRENCY EXCHANGE
HAS NEVER BEEN EASIER.

Have you ever wanted to start your own automatic e-currency and bank exchange service?
Did you find that there were many hurdles to leap before that was possible, including the need for investors willing to invest at least $100,000 (USD), a huge amount of time spent on development as well as the final launch of the exchange? You wanted to earn a stable income in the electronic commerce market but you didn't know where to begin.
LOOK NO FURTHER! PAYEER® IS THE E-COMMERCE SERVICE FOR YOU!

This is a one of a kind offer, free API to instantly launch a superior, secure and established automatic exchange service on your new or already existing website - get 20%, 30% or 40% of Payeer® income while establishing an easy, fast and efficient automatic exchange service for your clients and your business. You can start an exchange service on an already existing website, blog or forum and monetize your traffic, or launch the exchange service from scratch.

Contacts:
http://payeer.com/en/

 

What is HYIP?

HYIP stands for High Yield Investment Program. These can be both online and offline companies which offer a higher return on your investments than banks do. But due to the fact that offline HYIPs usually have very high investment minimums only online HYIPs are of interest to private investors. HYIP owners usually claim getting their above average returns on the stock market, FOREX, by placing bets on sports events or by participating in various online ventures. A part of the profits from these activities is shared among the investors according to the program's investment plans and the remaining amount is used to cover the hosting/maintenance fees and to pay the owners. There are two main types of online HYIPs - investment funds and autosurfs.

Investment funds work pretty much similar to banks. You invest some amount into one of the plans and get a daily/weekly/monthly interest credited to your account balance depending on the plan's rates. Autosurfs require you to visit some of their advertiser's websites to earn the daily ROI and you might not get paid if you don't. Both types of online HYIPs accept very low investments of $50 - $500 which is possible with the use of electronic currencies. The most important electronic currency in the world of HYIPs is Perfect Money. If you want to start investing you will have to open an account with them.

Unfortunately there are HYIPs that don't invest their members' money and work as so called Ponzis. They depend on new investors' money to pay the old ones. That is why it is very important to do your Due Diligence ( "DD" or "homework" ) on every program before you join. This means you have to study all the information available on the program such as hosting, script, feedback on forums and monitors and adjust your investments accordingly. If you do it right, you will be able to make some serious money with HYIPs. Good luck!

What is EGOPAY?

General Information

1. What is EgoPay?
   EgoPay is an online payment gateway which offers a simple and cheap way to purchase online goods, pay for services, subscriptions, entertainment and much more by using e-currency.
2. Where is EgoPay registered?
   EgoPay is registered in Belize under the registry number 118260.
3. What is e-currency?
   Electronic currency is often referred to as “virtual money”, but has the same value as regular currency and can be used efficiently to do online transactions of all types. Whether purchasing products or paying for a service, sending money to your friends and relatives, giving it as a gift to someone or otherwise sending money across borders or any distance, it is handy to be able to use e-currency, rather than costly bank wires or slow checks in the mail.
4. How can I contact EgoPay Customer Support?
   If you have a specific question, you can send us a Support Ticket or contact us by Live Online Chat, which is available 5 a.m. - 1 p.m. GMT Monday-Friday.

Security

1. Is EgoPay safe?
   EgoPay is safe to use and provides a secure environment to protect all the sensitive information using advanced 256 bit SSL encryption provided by GeoTrust Inc.
2. What should I do if I forgot my password?
   Click “I forgot my password” in the login page. Enter your main wallet’s e-mail address and you will receive an e-mail with a link to reset your password.
3. What should I do if I forgot my PIN?
   Click “I forgot my PIN” in the login page. Enter your main wallet’s e-mail address and you will receive e-mail with the link to reset your PIN.
4. My password is correct, but I still cannot log in. What should I do?
   First of all keep in mind that the password is case sensitive and capital letters and numbers are very important when typing in your password. Secondly, you can try to refresh the page or to use another web-browser. If that doesn’t help, you can send a request to EgoPay Customer Support and we will change your password for you.
5. My account is restricted. What does it mean?
   Your account is restricted because you entered the wrong e-mail or PIN 10 times in a row. You were sent an e-mail with a confirmation link to re-activate your account. Please check your spam folder if you do not see it.
6. What does it mean by “security question and answer”?
   The security question and answer are chosen by you when you set up your EgoPay account. They are needed in case you want to change your password or PIN.
7. I typed in my security answer correctly, but it still keeps saying that it is not correct. What should I do?
   First of all keep in mind that security password is case sensitive and capital letters, numbers and space tabs are very important when typing in your security answer. Make sure that you are typing it in correctly.
8. What should I do if I forgot my security question and/or answer?
   The security question and answer are created for you to remember. It is a way for your EgoPay account to be safe, because only you know your security question and answer. If you forgot your security question and/or answer please contact EgoPay Customer Support.
9. Can I change my security answer/question?
   Changing your security answer is not possible due to your own security, so please memorize it or write it down.

Opening a new account

1. Who are able to open an EgoPay account?
   To open an account with EgoPay a person must be at least 18 years old and, as our services are restricted to a certain number of countries, so you must also reside in an allowed country. The list is located on the Sign Up page.
2. Is it free to open an EgoPay account?
   It’s absolutely free to open EgoPay account.
3. How can I open an EgoPay account?
   To create EgoPay account you need to click Create EgoPay Account in the main page and fill the form -https://www.egopay.com/auth/signup. Once you go through the first step, you will get an activation link in to your e-mail. After you click on activation link, you will be asked to fill personal information in order to complete your registration.
4. How many accounts can I have?
   You can have unlimited amount of accounts, but only one per e-mail.
5. Do I need to verify my identity to open an account?
   EgoPay does not request any type of personal identification proof during the process of opening an account, but it is recommended to use real, verifiable and up-to-date information when filling the registration form as EgoPay can request account holders to provide proof of address and identity in case of a fraud investigation or suspicious activity conducted using the account.
6. How can I change my login e-mail?
   You can change your login e-mail by clicking "Profile" and then "Change username". Also you will have to add a new wallet to your account.
7. How many e-wallets can I have?
   You can have as many e-wallets as you wish.
8. How can I create and activate my new e-wallet?
   You can do this by using your EgoPay account Wallets tab. You will find all required information in there. Please click "Wallet" and then "Create new wallet". You will need to add a new wallet to your account and will receive activation letter to your e-mail.

Activating my account

1. How long does it take to get activation e-mail?
   erification e-mail is usually received in a few minutes after finishing the first step of registration.
2. I didn’t get confirmation e-mail, what should I do?
   Please check your SPAM folders to see if it might have ended up there. Sometimes it might take for our server to take a little longer to send you the confirmation e-mail, but if you still haven’t received 1 hour after completing the first step of registration, please contact our Customer Support providing the e-mail you used to register and we will activate your account.
3. The activation link is not working, what should I do?
   You need to contact EgoPay Customer Support for manual account activation.

Managing my account

1. Can I change my personal information?
   You can do it within your EgoPay account. Select Profile and make changes that you need.
2. I want to close my account. How should I do it?
   Keep in mind that only EgoPay Customer Support can block your account but when it is done you will no longer be able to use the registered e-mail with EgoPay system. After your account is blocked you will get personal letter about your account limitation.
3. I got an e-mail that somebody else used my account with a different IP address. What should I do?
   Please note that depending on your internet provider the IP address can change even if you are using the same computer to login. However, if you feel that your account may have been compromised we will certainly assist you by changing your PIN and password. If you would like to do so please contact EgoPay Customer Support.

Limitations

1. My account is limited. What does it mean?
   It means that your account is under the investigation due to possible fraud or due to possible EgoPay user agreement violations.
2. How long does the limitation take?
   EgoPay can not pre-determine the exact time which the investigation will take. Once it is finished, you will be immediately informed by e-mail.
3. Is there a way that I can remove my account limitation?
   To remove the limitation of your account you will need to log in into your account and provide a valid explanation for particular transactions or answer the questions that were asked by our security staff.

Sending funds

1. Where can I find my account number?
   Your account identifier is the e-mail address associated with your EgoPay wallet and that is the information you need to provide the merchant with.
2. How long does it take to send funds from one EgoPay account to another?
   Transactions from one EgoPay account to another EgoPay account are instant.
3. Can I send money to someone who doesn’t have an EgoPay account?
   You can send money directly to EgoPay account holders. Also you can send money via Payza and via various exchangers. A list of verified exchangers can be found on the Exchanger’s page here -https://www.egopay.com/exchange
4. Can I cancel a transaction once it has been completed?
   No, all transactions are final and cannot be reversed. If you have a problem after making a payment, you need to solve this matter directly with the recipient.

Depositing funds

1. How can I deposit funds to my EgoPay account?
   You can deposit funds into your EgoPay account via Payza or via various exchangers. A list of verified exchangers can be found on the Exchanger’s page Here. The same procedure applies when withdrawing money from your EgoPay account.
2. What is the limit for deposits and withdrawals?
   EgoPay does not have any limits on deposits and withdrawals.
3. How long does it take for a deposit from Payza to be completed?
   Deposit from Payza can take up to 2 business days to be processed or sometimes even a little bit longer depending on the number of requests pending.
4. I want to send money from my EgoPay account to my Payza account, but I have the same e-mail, can I make a transaction?
   If you use the same e-mail for both Payza and EgoPay you will still be able to make transactions between them.
5. How to make a deposit from Payza to my EgoPay account?
   1. You can transfer money from Payza by clicking the Deposit tab on the EgoPay website and then clicking the Payza link.
   2. You will need to select the wallet you want your funds to go into and the amount and then it will calculate the fee and how much will be in your wallet.
   3. After that click the green "Deposit to Payza" button and it will take you to the “secure.payza.com” screen and you will need to login using your Payza e-mail and password and then click the “Pay now” button.
   4. The next screen will have you review your transaction and enter your Payza transaction PIN. After that simply click the green button that says “confirm” and proceed.
   5. It should take you to a “thank you” page and then redirect you back to EgoPay. Keep in mind that deposits from Payza can take 2 business days to be processed.
   6. Please be sure to follow these instructions step-by-step to avoid any delay in getting your deposit.

   NOTE: Your Payza account must be verified.
6. Three days have passed but my deposit is still pending.
   If your deposit is still pending after two or more business days it means that you did not complete the transaction and no money will be taken, but you will have to repeat the transaction and deposit again if you still need the money. After so many days of the deposit pending the transaction is cancelled.
7. My deposit was rejected. Why?
   It is a part of EgoPay standard security review. As an alternative, you can use Alertexchanger:https://www.alertexchanger.com/ . Please note that Payza will not be able to provide you any information regarding the decline of your transaction as this is solely EgoPay’s decision.

Withdrawing funds

1. How can I withdraw my funds from EgoPay?
   You can withdraw funds to Payza or via approved money exchanger. A list of verified exchangers can be found on the Exchanger’s page here - https://www.egopay.com/exchanger.
2. How long does it take to make a withdrawal to Payza?
   Withdraws to Payza can take up to 2 business days to be processed or sometimes even a little bit longer depending on the number of requests pending.
3. How to make a withdrawal to Payza?
   To withdraw from your EgoPay account to your Payza account you will need to follow these instructions:
   

   1. Click “Withdraw” from your EgoPay account and then select Payza.
   2. It is very important to select which wallet the money is coming from.
   3. Very carefully enter Payza e-mail address to which the money is going.
   4. Douple check that the e-mail’s address is correct.
   5. Enter the amount that you wish to withdraw and choose USD or EUR.
   6. Click the orange "Submit" button.
   7. The next page is a confirmation page and it will show you the amount that you are sending, the fee being deducted and the final amount that you will actually get into your Payza account.
   8. Click the orange "Submit" button.
4. How long does it take to make a transaction through Exchanger?
   Withdrawal to Exchanger can take up to 2 business days to be processed or sometimes even a little bit longer depending on the number of requests pending.
5. Transaction to exchanger was delayed, cancelled or invalid. What should I do?
   EgoPay recommends using only the listed exchangers as their activities are regularly checked for better service. However, EgoPay is not responsible for possible delayed, cancelled, or invalid transactions. You will have to contact the exchanger personally as we will be unable to fix your transaction.
6. How can I cash out my money from EgoPay account?
   You can get a payout using Payza or exchangers. A list of verified exchangers can be found on the Exchanger’s page here - https://www.egopay.com/exchange

Account types

1. What kind of account types can I choose?
   You can choose personal or business account type. If you want to become an exchanger, please contact EgoPay Customer Support.
2. What is the difference between account types?
   The only real difference between account types, apart from lower fees in a Personal account is that you will have to open a Business account if you need access to our Merchant tools to accept payments from a website. You can only have an exchanger account if you are a verified EgoPay exchanger.
3. How can I change my account type?
   At this time it can only be done by contacting EgoPay Customer Support.

What is Bitcoin

Bitcoin is an innovative payment network and a new kind of money.
Bitcoin uses peer-to-peer technology to operate with no central authority or banks; managing transactions and the issuing of bitcoins is carried out collectively by the network. Bitcoin is open-source; its design is public, nobody owns or controls Bitcoin and everyone can take part. Through many of its unique properties, Bitcoin allows exciting uses that could not be covered by any previous payment system.

Getting started with Bitcoin

Using Bitcoin to pay and get paid is easy and accessible to everyone.

How to use Bitcoin

1. Inform yourself

Bitcoin is different than what you know and use every day. Before you start using Bitcoin, there are a few things that you need to know in order to use it securely and avoid common pitfalls.

Read more

2. Choose your wallet

You can bring a Bitcoin wallet in your everyday life with your mobile or you can have a wallet only for online payments on your computer. In any case, choosing your wallet can be done in a minute.

Choose your wallet

3. Get bitcoins

You can get bitcoins by accepting them as a payment for goods and services or by buying them from a friend or someone near you. You can also buy them directly from an exchange with your bank account.

Find an exchange

4. Spend bitcoins

There is a growing number of services and merchants accepting Bitcoin all over the world. You can use Bitcoin to pay them and rate your experience to help honest businesses to gain more visibility.

Find merchants

How to accept Bitcoin

1. Inform yourself

Bitcoin does not require merchants to change their habits. However, Bitcoin is different than what you know and use every day. Before you start using Bitcoin, there are a few things that you need to know in order to use it securely and avoid common pitfalls.

Read more

2. Processing payments

You can process payments and invoices by yourself or you can use merchant services and deposit money in your local currency or bitcoins. Most point of sales businesses use a tablet or a mobile phone to let customers pay with their mobile phones.

Find merchant services

3. Accounting and taxes

Merchants often deposit and display prices in their local currency. In other cases, Bitcoin works similarly to a foreign currency. To get appropriate guidance regarding tax compliance for your own jurisdiction, you should contact a qualified accountant.

Read more

4. Gaining visibility

There is a growing number of users searching for ways to spend their bitcoins. You can submit your business in online directories to help them easily find you. You can also display the Bitcoin logo on your website or your brick and mortar business.

Submit your business

What is Perfect Money

Perfect Money is electronic payment system for clearing operations in the Internet or, in other words, electronic money. Perfect Money is a service which allows users to make payments and financial operations in the Internet and opens exclusive opportunities for the Internet users and owners of Internet business. Historical background Electronic payment system Perfect Money opened in 2008, belongs to Perfect Money Finance Corp. registered in Panama. Perfect Money Finance Corp. has A-class financial license on execution of operations with third parties funds and precious metals. Country. Legal space Registered in Panama, virtual office in Zurich Currency - Us Dollar - U1234567 - Euro - E1234567 - Gold - G1234567 All currencies can be exchanged in user account by the current rate. System peculiarities. Intended purpose There are three types of accounts in Perfect Money system: USD, EUR and Gold which are supported by the US Dollars, Euro and gold. Also the system gives users a status. There are three types of statuses: Normal - the status is given all system users and does not have any restrictions for use; Premium - the status is given in a year after the registration or after achieving the certain turnover of funds in account. User may send a request for status changing. Partner - the status is given by Perfect Money in its sole discretion. The status is given for optimization of B2B payments execution by the companies having business in the Internet. Money cover Registration in the system Registration in the payment system Perfect Money is rather simple. During the registration it is obligatory to designate Name, City, Country, Postal code, E-mail. Then choose the type of account: Personal for private individuals or Business for commercial organizations and create the password for account. After filling the form and sending it, ID number assigned as account number for transactions inside the system is sent to the e-mail. Cryptography and security Multi-level security system. Every user has an opportunity to adjust security settings at the necessary level. Developers of the payment system did not forget about the security and create several useful instruments: 1. User IP authentification - if user changes IP address and enters the account, PM sends an e-mail with PIN code for confirmation of IP address. If at the same moment user changes IP address to those one from which he/she opened an account, PIN code will be unnecessary even if it has been already sent. 2. SMS authorization - this system is used with the purpose of creation logical connection between user account and his/her mobile phone number which will be used for personal identification of account owner. SMS authorization is perfect and secure mean of protection user from unauthorized access to the account, because the time spent for operation of code exchange and entering it to an appropriate field is crucially short and insufficient for crack. 3. Code card - applying of this instrument is based on providing user with the card with graphical displaying of code which is sent to e-mail. For transaction confirmation the system sends user a request about issue a code from this card in random order. Code card - convenient and secure additional mean of transactions protection which proved itself as a good security system in majority of world's large financial systems. Deposit and withdrawal of funds In Perfect Money payment system deposit and withdrawal is possible by three methods: • Bank transfer, request is considered by operator during 24 hours. Minimal amount is 1000 USD; • Exchangers, partners of the payment system; • Other electronic payment systems. Fees. System commissions Fees for system use: 1. Main commissions • Annual service - 0%; • Internal transfers - 0.5% debited from sender's account; 2. Profit • Monthly charging of 7% interest rate on remaining funds in account. 3. Deposit 0,5% • Bank transfer - 0%; • E-payment system Pecunix - 6%; • Deposit using SMS - 2%. 4. Withdrawal • Bank Wire 0.00% $50.00 + 1.5% (max $1000); • Pecunix 1.5%; • Union Pay 0.00%. • Pre-paid card Visa - under construction. 5. Fees for use of security instruments • Informing by SMS - 0.10%; • Account recovery - $100. 6. Partnership program • Monthly charge of 1% annual minimal remaining balance of attracted user of Perfect Money system. Depositing funds via Pecunix 6% fee is charged. Advantages and disadvantages Advantages 1. Easy registration. 2. Low commissions. 3. Security. Multi-level protection. 4. Annual interest rate. Disadvantages 1. No desktop program. 2. No operations with Webmoney.