New Payment Systems!

You have an option to invest using not only Liberty Reserve but PerfectMoney (www.perfectmoney.com) and direct bank-wire.
As well please notice the minor changes in our investment programs. We have extended programs boarders from 20 to 1000 in the Pool program and narrowed the Venture program from 1000.1 to 5000. You can invest with Liberty Reserve in every program, you can invest with Perfect Money in every program, you can use bank-wires for investing in the Venture and the Fund program. Fell free to ask your questions or ask for help if any needed.

Exchange e-currency

E-currency premium trader which buys, sells and exchanges digital currency such as e-gold, pecunix, goldmoney and e-bullion. Low fees, high safety and speed! Special deals for our clients.

NetPay Payment System

NetPay™ is a family of  payment processing solutions for issuers, processors, and commerce service providers.  NetPay provides an open and extensible payment processing platform that supports existing as well as emerging payment standards.  The system supports traditional credit and debit card processing via SSL, SET, SecureCode, 3D Secure, ISO 8583 and XML.  Its SecureTranz based architecture makes it the platform of choice for the development of new electronic check, digital cash, micropayment, and payment aggregation services.  NetPay is CISP / PCI compliant.  Its PK based security infrastructure provides true end-to-end transaction security from transport through data storage.  Its distributed architecture provides scalable fault tolerant 24x7 system operation.  The NetPay virtual wallet and mobile payments module provides secure and easy to use m-commerce payment functionality from any device - PC, PDA, cell phone, kiosk, or set-top box.  NetPay systems include a comprehensive suite of backoffice applications for customer service, system monitoring and administration.

NetPay consists of the following independent payment systems. 

NetPay Merchant™ is a comprehensive payment authorization, settlement and management system that enables individual merchants and malls to accept and manage electronic payments.  The product works in concert with industry standard shopping catalog products.  It supports traditional payments to processors via SSL, dial and lease line as well as SET, SecureCode and Verified by Visa (VbV).  NetPay includes a comprehensive enterprise call center that provides fully integrated customer service and administration functionality for credit-return authorization and tracking, transaction management and report generation.  The system supports payment aggregation, recurring payments, loyalty, stand-in authorization and private label credit cards. 

NetPay Gateway™ is a comprehensive SET payment interface solution that enables financial institutions such as banks, card companies, and third party credit processors to process and manage SET based transactions.  The system interfaces directly with existing host processors through ISO8583 or proprietary message interfaces. 

NetPay Wallet™ is a self-contained PC resident electronic wallet application for consumers.  It can operate as a standalone or an embedded browser application.  It provides consumers a convenient and secure mechanism to initiate and manage payment, billing and banking transactions.

NetPay PCA™ system is a server-based wallet application that can be securely accessed anytime, anywhere, from any Internet enabled device.  NetPay provides secure multi-user access control, encrypted data storage, PKI based secure message transport, digital receipt management and smartcard support.  

The NetPay Merchant Server™ and NetPay Gateway Server™ supports hardware based cryptography and key management for enhanced security and performance.  The NetPay Payment System™ can operate as a standalone system or in conjunction with NetPay Billing System™ and NetPay Banking System™.  The NetPay Wallet™ and the NetPay Call Center™ applications are smartcard enabled for enhanced functionality, convenience, and security. 

Internet Bank Account

Internet banks do offer great deals, but there are caveats to consider too.

Almost every internet bank account offers a better deal that your local bank can offer. So why don’t we all have an online account? Well, they are great value, but you should be aware of some warnings before you rush in- specifically customer service and security.

The internet bank account revolution seems terribly exciting. An internet bank account invariably offers a great rate of interest on your current account balance, which your high street bank doesn’t. But before you rush to switch, let’s look at the caveats.

Firstly, when things go wrong, you want somebody to talk to. Your branch bank gives you lousy interest because it has to employ real people to look after you. You ought to know your bank manager, and he or she is there to assist you. Before signing up to an online bank, ring their customer service number just to see how long it takes them to answer the phone. Of the internet banks, Smile and First Direct are particularly good at customer service.

Then consider fraud. It’s no good saying it won’t happen to you- it might. Most online banks do offer an anti-fraud guarantee that if you lose any money through fraudulent use of your account, they will replace it. But the burden of proof is on you, and it’s a drawn out process to get compensation. The fact is, online banks use the same password security systems as everyone else, and while the majority of us use our partners or pets names as passwords, it’s not too hard to see why fraud does happen. If that scares you, again use a branch bank.

These aren’t reasons to be put off an internet bank account entirely- but no bargain comes without some sort of trade-off.

Understanding Virtual Currencies

While going through the entire website you may have noticed the words virtual currency,egold etc.What are these?
Now lets have a brief discussion.Online trancastions require that you transact in some currency so that amount can be specified.But different countries have different currencies & their value against other countriy's currency is not always same.For example 1 euro is not equivalent to 1 dollar.So while doing transcantions a conversion has to take place for the trade to be viable.Usually conversion rates are ever changing and in most of the cases a currency conversion rate is applicable.This makes trans-country and online trade money transcations very congested.To allay this problem,a kind of virtual currency which supposedly has a fixed value all around the globe was formulated.This virtual currency was just like real money which could be traded online and all around the world.
Some examples of virtual currencies are like Egold,Ebullion,netpay,evocash,etc.Of these the most famous and oldest was Egold established in 1996. E-gold is based on a system that uses the weight of the gold metal, not any one currency. These weights have a precise, internationally recognized definition as to their value thus standardising its international value.Using gold as a means of trade/investment works well because everyone values gold,regardless of what type of money its worth is being purchased with.Egold transactions are made in terms of weight of actual gold.You can buy a fixed amount ofegold with your local currency and then make your payment to anybody in any country.Let me explain this properly.So after you buy some fixed amount(weight) of egold(actual gold from Egold Ltd.) it gets credited in your egold online account.Now if you want to make a payment to some person say a german then you just need to give him a part of the amount(weight) of egold equivalent to the german currency amount.Thus trans-border transactions occur without any headache of any conversions,etc.This is the real liquidity of the system.I will give you an example for better understanding-
Suppose you are an Indian & you have to give a payment of 10$ to somebody.This means that first you must first buy some weight of egold from egold.com(in your local currency).You cannot buy directly from Egold Ltd but get it with the help of third party exchange services.In order to make the payment,you send a fixed weight of egold equivalent to 10$.Thus you virtually don't have to worry about any real currency conversion.
Now considering the opposite situation,if you get an egold payment from anybody say 10$ then how to get that money in Indian currency?Actaully Egold Ltd is a West Indies company which has got actual physical gold stores.So you can get your 10$ in two ways-
(1)Go directly to the Egold Ltd company and take away a fixed amount of physical gold equivalent to 10$
(2)Take the help of third party exchange services and exchange the egold possesion you have in exchange for real money(by far this is the default method that everybody uses with egold!)
Its that very simple!Read our next article to learn how to use egold.

E-currencies. E-gold and Webmoney

Money. We can talk and talk and talk about it, without end. From the philosophic, morale and other point of views. Today, we`ll talk about it, being Internet users. Indeed, it`s been not too much time since Internet appeared, still money can be found here as well. Of course, they are all sustained with real currencies and can exist in such a way only, though, it doesn`t detract from the value of this phenomenon.

Being investors, businessmen of future, we just can`t imagine our life without "virtual" money, to be exact e-money. And it would be impossible! This type of money, namely, will be the topic of our today`s discussion. Probably, everyone heard of the currencies that exist, we`ll try not just to survey, but to point the moments, You learn about, with experience - how to avoid problems, what is better, what is more convenient and many others.
All e-currencies are subdivided into several different classes. Those, sustained with different valuables, those, sustained with real currencies, those, using remote client for their transactions and those, working via a special site. That`s all. As a matter of principle, that`s all. Besides, some of them are popular in one geographical area of the world and some of them - in another. That is why, more often, every Internet businessman, uses different currencies simultaneously.

It`s good that, there`s enough of exchangers, they all work on the same principle, practically without bugs (though we still recommend You automatic systems, working on the principle of sending the invoice, and, please, avoid those telling of delays, having no documents available, in particular documents-certificates from the payment systems, this organization is exchanging with). Namely, because of that, we`ll survey all the currencies, telling of the ways to work with them, of their advantages and we`ll give You some advices. We`ll start with the most popular and famous systems online - E-gold and WebMoney.

E-GOLD
http://www.e-gold.com

E-gold system appeared about 8 years ago and is the leader in money transfer (1996, in Canada). The main advantage of this system is its convenience and reliability. Besides, it allows automatic money transferring with small commission fee. So, there are systems, where the immediate presence of the deal` participants is required - here it`s not necessary. Maybe this is the reason, why many HYIP choose E-gold as their main currency.

The second important factor is that this currency is sustained not with some other currency, but with valuable metals: gold, platinum, silver, palladium and others. We wrote about this in our previous issues, so You should understand the value of acquiring of such a sustain, hence the stability. Usually, 1 E-gold unit amounts to 1$.

E-gold system works via its own site. You don`t have to set up any clients, i.e. wallets. It`s simple, and at the same time it`s convenient. Being wherever You want, You may log into the site and work with Your account. On the other hand, all the information is stored on E-gold server and the access is only secured with Your password and E-gold system protection itself. If, for instance, to launch the wallet WebMoney, hacker needs a key more, here it`s enough just to know Your password, which is much easier, taking into account that there is a mass of viruses, copying the information, You enter. Set up the antivirus software on Your PC.

As for the password, it should as complex and long as it`s possible, about 10 symbols. And, please, try to change it at least once in 2 months. And of course, don`t write Your password on a piece of paper or save it on Your PC. In such a way, sooner or later - You will meet the problems. Though it will never be a drawback, the main is - don`t forget about this, keeping Your funds in E-gold, it`s extremely important.

The registration is also simple in use in E-gold system. You log onto the site, fill the form in and get the information about Your personal account to Your mailbox. Sometimes it happens that a customer doesn`t think of safe keeping of the account information, after receiving it (it`s not confidential).

"Stagers", we met with, while preparing this article, advice not to make a show of this information. What of it! Moreover, somehow or other, but it can be used, lust like any other information. After reading the mail, You may access Your personal account. You should follow instructions further on, there`s nothing complex about it. "Turing number" - is a constantly changing code, which serves to protect Your account.

Now, You are a happy E-gold account holder. All the info, immediately concerning Your account, transactions history and other data is stored here.

We have already mentioned about the password importance in E-gold system. Now, we`d like to tell You of some protection frame, allowing avoiding troubles. Anyway, keeping them, You will increase chances that Your funds will be safe.

So, since password - is the main protection for Your account, hackers chase namely after it. How they do it. First of all, there are multiple harmful programs (Trojans) on different sites, sending all the info entered on Your PC, passwords included, to their owners. That`s why, as we have already mentioned - install the antivirus software on Your PC. The Trojans are mostly found on the sites of scam HYIP or any other outside, suspicious resources. But, in particular, "fake" HYIP sites are intended for the audience, having accounts in the payment systems like E-gold.

Unfortunately, modern software is not without errors, so it`s quite possible that trespassers will get into Your PC via Internet Explorer, for example. That`s why, use not so widely popular browsers. Trespassers don`t know them as good as the previous one (Opera, Netscape Navigator).

Sometimes, hackers redirect You to a fake E-gold site, looking absolutely the same, but serving just to get the passwords. Pay attention to where You are. The site should be http://www.e-gold.com, not http://www.e-gold.org, http://www.e-gold.net, or http://www.egold.com. Be careful.

There is another protection, prompted by one of experienced customers of E-gold system. In the settings of Your personal account You can set up a tie to IP address or a certain browser type. If Your address is stationary, this protection is perfect, but even if not - You can try it. In case of changing Your IP address or browser, a special PIN-code is sent to Your mailbox, it should be activated within 15 minutes.

Another advice - if necessary, resort to creation of several E-gold accounts. Then, in case of losing one of them (Lord forbid!), You will not lose all of Your funds. To create several accounts, it`s just enough to fabricate the customers` information and set up separate mailboxes.

If WebMoney system (see below) makes possible somehow to fight against stealing, then E-gold - doesn`t. I.e. if Your money were stolen, You will not have them back, that`s for sure. The authorities are not responsible for the safety of Your funds, even if they try to track the thieves, having facility, existing nowadays, it`s rather simple cover up the traces.

WEB-MONEY
http://www.wmtransfer.com/

One of the most popular is, undoubtedly, the interest transfer system WebMoney. The transaction instruments in the system are title signs of different types WebMoney (WM) that are stored on e-wallets of their holders: WM-R - equivalent to RUR - on R-wallets, WM-Z - equivalent to USD - on Z-wallets, WM-C and WM-D - equivalent to USD credit transactions - on C- and D-wallets. While transferring the funds, the single-type wallets are used, and while exchanging WM-R for WM-Z is made at exchangers`.

The system is widely extended and allows putting the funds into use via banks and special cards, making payments via Internet, on banking accounts, the integration of WebMoney wallets with the account on VISA credit card.

Working with WM, unlike E-gold, allows working with the help of a special client. It can be easily downloaded from the site of the program. Let`s speak about this in details.

WM Keeper Classic - is a program, You should download and install on Your PC. WM Keeper Light - is a size of a "wallet", installed on Your PC, but allocated in the net, not on the site. As a matter of principle, it`s also safe (works via SSL connection), though not convenient enough and is less functional. Choosing this variant, everything is clear. After registering You gain an access and can enter Your wallet on the site. Choosing the second variant, You download first, then install the wallet on Your PC, following the instructions.

WM Keeper Classic has its own interface (which, can be changed by the way). The functions include not just the wallet control, but also the comfortable system of making transactions, getting different information, as well as WebMoney page itself, installed into wallet, where the main system functions and opportunities, one can use clicking once. The wallet itself periodically updates information of the status of Your account, connecting to the certification server. Being launched it can be accurately placed on Your control panel.

However, the fact of receiving the wallet, doesn`t mean that You are a system participant. Now we are going to tell in brief of the main points of its work, and You will learn the details on the technical support site itself.

So, next step (or the first one) is receiving of the personal identification code - WM ID. It serves for accessing the wallet (and the account as well) and is public. You choose a password for it. After registration and obeying all the procedures, You will discover??¦ 2 wallets in Your WM Keeper Classic or WM Keeper Light. For example, WMZ and WMD. The thing is that WebMoney system is international in usage convenience, as well as in currency conversion; the funds, sustained with specific currencies, are stored in every wallet

. WMZ - dollars, WMD - marks. Everything depends on whether there are representatives in a country. Each of these wallets is assigned with a unique number. Each of these wallets is tied to Your ID. To work with the wallets of other customers and other transactions, it`s enough to know the number of a wallet namely. ID is rarely required in the transactions.

As for recharge. Of course, You can start with exchanging from E-gold. But WebMoney is very open and that`s why there are lots of exchange services. You should just find them in Your country. The special recharge cards are also sold. You can also recharge the account bank wire. However, in that case You should wait. By the way, maybe because the system is open, it`s not so popular. Not many HYIP use it.

This system requires such a very important thing as passport. That is, You receive the certificate of a certain level, testifying of the confidence level You can earn. You give Your real documents, serving as a kind of a guarantee. It`s the background for 9organizations. Besides, if You try to cheat smb., this information will be reflected in Your personal file, that`s why it`s not an easy way to follow for fraudsters.

Now, a couple of words of the system work itself. Or the work with other customers. For You to know maximum to make the ultimate choice. So, money transfer from wallet to wallet cost money. Commission fee is about 0.8%. There are practically no problems with withdrawals. Concerning transferring the funds to another person or organization, to another wallet all in all, it`s possible to send the money to a wallet directly. You indicate the number and pay the commission fee.

You can protect Yourself, creating the protection code. This is the code, the recipient should enter, for money transferring. On the expiry of protection term or 8-time errors, entering the code, Your money are automatically come back to You. You can also, present and pay the bills. The bill comes to Your wallet, You pay for it, pushing the "pay" button. Or, receive the bill payment.

There is another system WM Merchant, serving for automatic funds` turnover. The function is rather comfortable and quite intelligible - automatic money withdrawal etc., though it`s better to learn it in practice.

So, You receive in use WebMoney wallet and even have some funds on it. However, we`ll give You some pieces of advice to avoid some possible troubles and we strongly recommend You to obey to them.

To begin with, follow the safety system requirement and do keep Your keys in a separate place. The key - is an access to Your funds. If the key is lost - the money is lost, don`t even doubt about that. The only chance to retrieve the access is when You have the highest-level certificate. The system of working with WebMoney sores 2 key files: history and key.

We told You of the key before. Its extension is *.kwm. As for the history, it can be neglected in a way. The main - is the key. If You have it stored, Your money is save. You can reinstall the wallet, restore the history (to create the new one, to be exact), and then to attach Your key and start working.

Two warnings, the safety system has also notified, are also important here: don`t name You file, like "a key to a wallet", and make it be of as bigger size as it is possible. Maximum is 100 Mb. Key - is a file with a cipher. If it is small, the cipher is small as well, this is roughly speaking. If it is big - then big as well.

Downloading of the key file can be exclusively thieves` aim. As we said before, i.e. if You have a key, You have everything and You may not doubt that Your money can not be stolen straight away. That`s why make it bigger, because there are special programs, scanning Your PC, in order to find the WebMoney wallet key. It`s not so easy to steal 100 Mb, even if Your traffic is perfect.

And of course, the password. No matter what You do, do`nt make them easy. It`s really dangerous, if Your password has simple symbols only. Remember this, please. And, of course, don`t store them on Your PC.

Unfortunately, we can`t tell You about all the existing currencies in one issue. Thoug, we`ll continue our talk next time.
Stay with us.

Eric Marriam

E-currencies exchange services.

As we have already mentioned, e-currency - is one of the most important notions in the life of any e-investor. It`s actually, the major notion. Nowadays, despite the maturity of e-commerce infrastructure, it`s impossible to talk neither of the only one, universal, and using the only one, universal. Changing the currency - to be exact its exchange is the main topic of our article. Where to exchange, how, what kind of exchangers exist - this is what we are going to talk about.

Moreover! Even to obtain the currency or its withdrawal one has to go straight to exchange services. Exchange services virtually remind of banks. A certain amount of different currencies is stored there. Sometimes, the currencies are in a bank or exchange service is a branch of some bank. But, availability of a certain amount of different currencies (to be exact the currencies, this or that service exchanges) is the primary condition. Of course, it is desirable to have these funds backed up by real valuables, however, it`s not necessary, mostly to insure the exchange service itself. That`s all. Then the direct work goes. Exchange services earn from the percents, only percents. Of course, they can provide additional services, but earning from percents - is the principal income source of a service.

What are the kinds of exchange services? They can be automatic, semi-automatic, and manual. The difference is exclusively in the level of human interference to the service functioning. If the service is an automatic one - the interference is minimum. All the processes are carried out independently, in accordance with the scheme, set up once. Speaking about the semi-automatic service, we mean, the ones, accepting order, and the funds are transferred by operator. And the last ones - manual exchange services. In actual fact these services are difficult to imagine, but following the logic, it should be defined. As a matter of fact there are services, automatized in the functioning of a site only. A human makes the rest. Services like that can be considered as manual ones.

It`s hard to differentiate services by type. As a matter of fact, they are all the same in principle. Even the fact, whether a person takes part in the service functioning, is not important at all. However, what we can come across with, analyzing different exchange services, is, of course??¦ different currencies, possible to exchange. The prevalence of one-type currencies, has certainly created a stable demand for, owing to this 70% of exchange services exchange the standard set: E-Gold, e-bullion, NetPay, WebMoney, Pecunix in different variations. Actually, some time of surfing Internet allows finding exchangers for any e-currencies. The truth is that some exchange services specialize on a certain type of currencies. I.e. they offer a certain service. So, AnyGoldNow (http://anygoldnow.com/) and IceGold (http://www.icegold.com) exchange those currencies only, backed up with gold. Some of them, for instance Gold Age (http://www.goldage.net/dgc.aspx), seemed to widen the framework of the service provided and not only "golden" currencies can be exchanged now. There are services, specialized in, spreading WebMoney in the eastern part of the world.

Now let`s try to exchange the currency. Let`s choose better service. First of all, with a view of convenience and security, it`s better to search for the services, exchanging the funds in a fast way. For example, fully automatic service RoboExchange (https://www.roboxchange.com/Client/Index.p). The thing is that some currencies don`t let to complete exchange fast enough. You should necessarily fill the forms in, pay the bills, orders, and WebMoney, for instance, allows making it automatically. Forms frighten sometimes, for example, ECAE (http://www.emoney-exchange.net/) wants to know so much information of the client and You become sick and tired of making so much work. Some of them are more decent: FastGold.net (http://www.fastgold.net/dgc.aspx). It`s the matter of interests and You can`t be 100% sure that the fastest ones are automatic ones. First of all, pay attention to the speed of service processing. Of course, examples given are occasional, judging from ratings and personal experience. You can try Your own ones. The main is - reputation.

By the way, it`s worth paying attention to the notorious percents. Some exchange services have no conscience at all and declare improbable amounts. That`s why, being professionals, You should necessarily ask about this feature, seeing that services often lay them out to front page and it won`t take too much time to search for them.

Judging from experience, design is of least importance, dealing with exchanging currencies. Sometimes it can be simpler, sometimes - more complex. It`s a business style mostly: http://www.londongoldexchange.com/ or http://www.instapay.net/

It`s also worth paying attention to the signs, usually allocated on the front page of these sites. They look like medals and they are to mix them up with something. These are the registration certifications, security testimonials. It`s not so easy to get them and lay them out to Your site. They are totally entrusted. However, now there`s enough of them now and You should just click them (they are not banners) and learn immediately, what they mean. Some of them are ordinary signs, saying that some rating monitors this or that site, and some of them prove the site to be the best of the best, the most secure, the most honest.

To finish with. I`d like to dwell upon the saddest thing for any investor. And the most common (unfortunately). Upon the danger. As a matter of fact, as You perfectly know, it`s easy to fake the design of exchangers and simply receive money to Your account. It`s hard enough to catch the wheeler-dealers like that. To define in outward appearance? Yes, but not always. To make a fraud it`s just enough to fake the outward appearance and design it like famous, proved exchange service. That`s why always take a look at the address, so that to enter the site You intend to. And of course, keep up with the news (ours as well :). For example, Click2exchange, much-talked-of recently, mad?? a very bad showing and we have also written that it may be 100% fraud.

Don`t exchange with them, all the more the market is full of shady offers. Reputation is extremely important for exchange service. That`s why use the proved, famous services only. For instance, here rating is good enough: http://www.gdcaonline.org/ and they are totally entrusted. Exchange services, being the integral part of investor`s life, are not HYIP, and a service that made a good showing once, will hardly become a fraud, so there`s no need to change them all the time. If the owners of the service are good in what they do, they can earn much more, working honestly. In case of emergency, insure Yourself, and not exchange the big amounts at once.

Hope, our short review will guide You through exchange services and You won`t feel discomfort and difficulties, searching for a good one. Good luck!

Eric Marriam

E-currencies. GoldMoney NetPay.

We have already talked about e-currencies in one of the previous issues. We talked about E-gold and Webmoney. However, there are many other solutions, e-money in the Internet and we`d like to talk about them in today`s article.

Unfortunately, we can`t draw much attention to the investigation, it would take too much space, though some general observations, given here, will be enough to supplement the picture with knowledge of two more currencies: GoldMoney and NetPay.

To begin with, I`d like just to name all e-currencies, known nowadays. You may not even heard of them. For our narration we`ll take those, widely used on the investment market. E-Bullion, NetPay, GoldMoney, Pecunix, VirtualGold.net, StormPay, 1 MCD, e-gold, WebMoney. In the first part we talked about e-gold and WebMoney. Now we are going to tell You of GoldMoney and NetPay.

GoldMoney (http://goldmoney.com/) - one of the most popular kinds of e-currencies, based on metals (e-metal). It` is used in HYIP. Using this e-currency is realized through the units, called GoldGrams, with the help of which You can complete transactions to any place of the world, buy anything or invest.

The same as E-gold this currency is based on gold with the unit, called GoldGrams. Since it`s widely used, You can get GoldMoney in many on-line exchangers, dollar value of GoldMoney purchased changes according to changing the price on gold.

We have repeatedly told You that it`s even possible to earn like that, though it`s not worth buying currency purposefully. It`s better to buy gold. Moreover, with the help of GoldMoney system it`s not hard to make it specially. Probably, it`s one of the most important system peculiarities.

GoldMoney - is one of the best ways to buy and sell gold. Buying gold via GoldMoney system is cheap and easy, besides all the transactions are carried out immediately. Your gold will be safe, it will be stored in a safe, insured by "Lloyd's of London" company. You will have on-line access to Your funds 24/7. You can use Your funds to pay the bills or transfer them to other system customers.

Registration is not difficult and logically-thought. That`s why we are not going to draw much attention within this article, moreover we told of registration principles (such as multi-accounts) in the previous article.

Many people use GoldMoney to secure their prosperity, taking into account recent serious financial shakes, leading to the collapse of many unstable currencies. These clients also know that GoldMoney system is an ideal payment solution for on-line transactions and e-commerce (in particular it`s acknowledged by HYIP admins). GoldMoney company has a registered process, allowing rapid transfer of the right to gold possession immediately, via Internet. The security system is also up to the mark.

Besides, GoldMoney top-management - used to be managers from the investment banks Morgan Stanley Chase Manhattan. So, it speaks well of them. Let`s hope, their experience will favorably tell upon their currency.

The second famous payment system, widely used in the Internet - is NetPay (http://www.netpay.com/). It`s a series of peculiarities. First of all, it`s totally adjusted for e-commerce, since it was designed exclusively for these purposes. Reacting to the market demand.

This payment system is registered in the offshore zone of the Republic of Panama by several offshore investors. Besides, all economic interactions are carried out through the base bank, also offshore by the way. Though, it has real office.

The bank is an associated member of Europay/Mastercard system. The Cirrus/Maesto card, emitted by this bank is the result of this cooperation. You can either fund it from the system, or draw the money out via ATM, or pay in the shops.

Secondly, NetPay cooperates with e-gold company and other payment systems; funds can be transferred back to the banking card in real time; all the funds are supported with gold and allocated on the accounts of the top offshore banks.

Opening an account is free of charge in the system. There is no year, monthly or any other fee. The payment commission - is 1%, but not less than 0.1 USD and not more than 2.5 USD. This condition is valid for all kinds of payments. Transferring money to the card - 2%.

The account can be funded bank wire. Besides, there is a lock in E-gold. And You can easily transfer funds from one system to another. In addition there are independent exchangers, most of which work with E-gold, they offer alternative ways of refilling Your account.

This e-payment system is closely integrated with E-gold. Debit card MAESTRO (Debit Master Card ) can be tied to the NetPay account. With its help You can have cash in any ATM, accepting MasterCard. NetPay allows free, immediate transferring from E-gold to NetPay.

With the help of NetPay You can complete Wire Transfer to any world bank. With the help of NetPay You can quickly cash out Your E-gold, receiving the money with the help of debit card MAESTRO or making Wire Transfer on Your banking account.

Besides, NetPay offers partnership program. You will have 20% of the commission fee (min 0.02$ max 0.50$) for the customer referred. Plus 15$ for every ordered debit card. The most interesting is that You will have a 10% bonus for every transaction from the commission You received from another member. In such a way, this system is also an interesting, taking into account the quality of the terms, it`s for You to chose.

This is all for today. Now You can use these systems, and if not - then at least You will have the authentic view about them. Soon we`ll revert to the topic of e-currencies and tell You about the rest of them, being "problematic" areas in the investment world, despite all the perspectives.

Eric Marriam

Payments systems: Paypal.

We have paid much attention to coverage of different topical questions recently, at the same time we put off bridging gaps, which have been planned before to cover the basics that quite often remain to be mysteries for many people, despite their everyday use. Today we are going to tell you about PayPal payment system, which is definitely an important player of Internet-Marketing and is known to everyone. However, newbies definitely know nothing about it, and of course, professionals DON??™T KNOW EVERYTHING about it as well. So, welcome to PayPal.

The PayPal payment system was founded in 1998 by Peter Thiel и Max Levchin. It’s an honest company, located in Palo Alto in California. PayPal gives its customers an opportunity to receive and send payments with the help of 3-mail or mobile phone, accessing Internet. Entering their site now, finding the question “What is PayPal?” you may receive the following reply: “PayPal, owned by eBay, is a global online payment system.

PayPal is a convenient, easy-to-use, and secure way for individuals and businesses to send and receive money online for goods, services, charitable donations, and so forth. It's also a full-service operation that provides front-end and back-end solutions to increase growth and revenue for merchants.”

You don’t have to download some extra software to use this payment system. You manage it via web-interface and you need no any specific knowledge. The messages stored and transferred are protected with the help of SSL protocol; so, there’s nothing to be afraid of here. Besides, customers’ accounts are insured at $100 000 against unauthorized access and illegal money withdrawal.

But if you give your password to a third person by chance or specially, the admins won’t be able to help you in such a way. To register into this system you need to give the real data about yourself, since registration, using the fictitious data is fraught with losing all funds, accumulated on the account.

There’s nothing difficult in the registration procedure itself, and it’s customary for a user of Internet investments. We are not going into details of it.
The rates of the system are simple and laconic enough: activation – free of charge, transaction fees – 0.7% - 2.9%, plus 30 cents per each transaction. Currently more than 42 000 sites accept PayPal.

The spectrum of services is very wide, and it should be mentioned, it’s more convenient for the admins of programs or those, dealing with auction trades. There are built-in tools for making different transactions to pay the bills (account request, Auction Tools) in the system itself, the buttons “PAY” and other s are also placed on the site required (Web Tools). All this makes trading easier.

Besides, PayPal provides wide spectrum of extra opportunities. Mobile Payments. No matter how fantastic it may sound, today it’s possible to complete money transactions via the mobile phones. Of course to do that one need the phone, supporting the function of Internet. Batch Pay. This service makes it possible to pay to a group of people simultaneously.

The checks were used for these purposes before. Compared to checks, PayPal payments are cheaper and the payment mechanism is faster. The service given is very comfortable while paying:
* Commissions on a partnership program, discounts for the clients, sponsors for surfing, employees’ rewards, lottery prizes.
* You can read the detailed information about benefits fro senders and recipients on the site of the company, there you also will find detailed description of the scheme to work with this service and answers to many other questions.

Daily money transfer to your banking account. (Auto-Sweep). If you choose the service given, your balance on PayPal account will be transferred to your banking account every day via the electronic payment system. It means that amounts will be placed on your account within 3-5 working days. The commission for this transaction is 0.6% of all the payments.

It’s worth saying about security of PayPal system. It enjoys wide popularity thanks to the security level, which really covers many techs, starting from direct transactions’ protection, finishing with different “statuses” of sellers and buyers, which allows them not only securing the legality and safety of the transactions, it also makes possible to insure against any illegal clients’ moves.

PayPal admins promise that in the nearest future system clients will have opportunity to use the Shopping Cart, carry out international payments, they will be granted an opportunity to receive percents for keeping money on the account, they will receive debit cards, and will be assigned with the settlement account of their own.

In case they will fulfill al these promises, PayPal can become the most powerful payment system. As far as I know, none of payment systems is able to offer such a wide spectrum of services in the nearest future.

PayPal nowadays is the most popular specialized internet-system in the USA. According to the official information, PayPal is used by more than 20 mln. people. This number is certainly going to increase in future, so the knowledge acquired will definitely be in use. :)

Lella Prior

Payment systems: Stormpay.

“One of the most widespread ways of transferring e-valuables online is StormPay. Of course as well as the integral part of e-commerce? StormPay is the integral part of the investment activity, and we simply can??™t miss telling about this payment system. Of course it??™s not so popular way of transferring money with HYIP, as, let??™s say PayPal, though nevertheless every respectful investor should know what it is all about, when we talk about StormPay. So, that??™s why we recommend you to read things, given below.

StormPay appeared on the market comparatively recently. In 2002. Though, for the time being, it managed to achieve a lot, coming close to the titans like PayPal. There are several reasons for them to be successful: comfort, safety and… infallibility. If the system had discredited its good name at least once, people would hardly pay attention to it. Good name in e-business is more than half way to success.

StormPay uses the system of e-payments, on the e-mail basis. I.e. in order to transfer money to somebody, you just enter the recipient’s e-mail in the system. It looks very much like PayPal and possibly due to this StormPay is called like the system that replaced PayPal. Of course it’s far from the final replacement, though apparently PayPal monster experiences serious troubles not just in the countries, where this service is simply unavailable (prohibited).

The system’s advantages are – signing up to the system, you won’t be asked for any special confirmations of your identity (in PayPal it is either your credit card or mobile phone #). Besides, StormPay provides the 6-level referral system (all levels – 2.5%).

To sign up to StormPay you need to fill in small form and accept all the system’s rules. Afterwards you get the e-mail with the link for account activation to your mailbox. You click the link and you are welcome to use the system.

The interface for setting up on a web site is also implied in StormPay, that makes the system attractive for the web-masters.
And now we are going to talk about the drawbacks. The main of them in StormPay are as follows: minimum transaction amount is $1. Despite the fact you pay nothing when you receive money, some certain % is deducted from you when money is transferred from your account. For instance

StormPay – E-Gold transaction will cost you 2.5% of the transaction. Though, this rate is constantly changing, and it’s not growing, it’s decreasing, apparently depending on the number of the transactions completed.

StormPay (just like E-Gold and other systems) uses 128 bit SSL certificates, due to that the highest security level is achieved. Besides, paying via StormPay the money recipient doesn’t get any confidential information about you – your credit card or bank account.

Opening an account in this system is absolutely free of charge from anywhere in the world. The system is absolutely international.
You can start accepting or transferring money right after you register to the system. So that to be able to transfer money to some person, he (she) should also be registered to StormPay with his e-mail – and you should know this e-mail. Enter your account, go to the Spend page, in the box appeared type in the address of the recipient, then enter the amount you want to transfer. Click on

Go. That’s it. This person will get the e-mail, with link to confirm reception of the money.
Many people, dealing with e-commerce are attracted with the fact StormPay has its partnership program. Enter your account; follow the link Affiliate Program – there you will see the partnership link. There’s a 6 (!) level system of the referrals active, every level – 2.5% from the transfer fee.

You pay nothing when you send money, though fee is taken from you when you receive money. The commission amount is 2.9% + $0.39. It’s a little bit much, of course. For instance, the commission will be $0.53 if the transfer is $5.

The system is developing every day and is gaining more and more new admirers. You can get acquainted with the details of its work on their official site: https://www.stormpay.com, and we have to say good-bye.

Lella Prior