What is electronic money for?

We were scolded a lot for high commission when buying other electronic money. Until recently, the amount of commission in the terminals, on the website and in mobile applications was set at 5%. In addition, the electronic money itself bites off any interest when transferring to them: an example .

Starting from April, the interest rate in terminals when making payments for electronic money will cease to be fixed. That is, it can be 3%, and maybe 10%. The terminal owner will manage this commission. On the QIWI Wallet website - the conditions will remain the same - 5% and 2 hours .

In connection with all these changes, I have a question, why do I need to overpay and wait, when everything, or almost everything, can be done inside the system?
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Consider examples of the use of electronic money and alternative internal opportunities.

1. You need electronic money to pay for goods or services.

In this case, it is not rational to acquire other electronic money, since more than 1,500 providers (including 450 online stores) can be paid directly from QIWI Wallet. Most without interest or with minimum interest.
And for everything else, there is Virtual QIWI VISA - instant issue and commission - 5.26% - cheaper and faster than buying any electronic money.

2. Electronic money is needed to pay for the services of a freelancer working in Russia

If a freelancer lives and works in Russia, offer him a payment through QIWI Wallet. Yesterday we opened transfers between users, you can send money from QIWI in one second - you only need to know its Russian mobile phone number.

Transfer fee - 1%. Payments go through the bank, to which we give almost the entire commission for the transfer.
All other schemes for transfers between users are illegal, which could threaten the organization with accusations of illegal banking activities.
Therefore, we have not previously stated that we have such transfers and did not take anything for these transactions.

By the way, the withdrawal from QIWI Wallet is one of the best on the market: from 0% to 2.5%.

3. Electronic money is needed to pay for the services of a freelancer who does not work in Russia.

Offer him a transfer through Unistream , which can be sent to the CIS countries - 2.5% - getting the day. Offer him a VISA card. It will be cheaper and faster.
Although in this case it is necessary to recognize that many will prefer to receive payment in Webmoney :)

4. You actively conduct business on the Internet.

Register on the site ishop.qiwi.ru and accept payments from users to the wallet in QIWI. The reward system, when working on the Name Wallet scheme - 1%.
Conclusion, from 0%. Withdrawing from a Personal Wallet to other electronic money is only 2% .

5. You are a freelancer and accept payment by electronic money.

Accept payments in QIWI, to your regular wallet. It will be easier, faster and cheaper for your customers to complete it, and not other electronic money. You can send money through the QIWI Wallet button in the E-commerce section (0% commission from 500 rubles) or via the Mobile Wallet button in the same section (commission up to 5%). The Mobile Wallet button is available not only in QIWI terminals, but also in other large networks.

Conclusion: from 0% to 2.5%.

And the last. Recently, all electronic money actively prohibits exchange operations. Currently, QIWI Wallet is the only electronic money that can be easily exchanged for any other electronic money. Yes, with interest, but it is possible - and without participation in the process of third-party exchangers.

If I missed some cases when electronic money is needed, please write about it in the comments.