Our expert Ekaterina Kalacheva talks about how to shop online correctly.

On this topic

Even the most avid lovers of offline shopping with friends, no, no, and they will order a new smartphone or dress via the Internet. Despite the convenience and speed, there are obvious disadvantages: you can be left without money and without a purchase. Ekaterina Kalacheva, Marketing Director of the Aiwona free classifieds service, will tell you how to avoid scammers when shopping online.

Ekaterina Kalacheva

marketing director of free ads service Aiwona

Protect your bank card

If you use a credit card to pay for purchases, take care of protecting your money. Get a separate card specifically for online shopping and transfer to it exactly the amount that is enough for the current payment. If something goes wrong, you will only lose the money intended to pay for one thing, and not everything that is in the account. By the way, you can activate a special service at the bank: every time you try to pay for something with a card, you will receive a message with a one-time password, without which you simply won’t be able to make a purchase.

Use PayPal

PayPal is an international electronic payment system supported by most major online stores and sites like eBay. If you pay for a purchase using this system, but something goes wrong (for example, the package is not delivered or the product does not match what you ordered), PayPal will refund the money to your account. The main thing is to report it to the support service in time - the deadlines for filing a complaint are limited, so carefully monitor the status of your transaction.

Pay upon receipt

In order not to lose money, you can choose to pay only upon receipt of the order. Many online stores and individuals who sell goods online allow payment by cash on delivery or cash to the courier. Give money to the courier or postal workers only after you carefully inspect the item and make sure that everything is in order. Sometimes you can also order self-pickup, then you can save on shipping and not pay for a "pig in a poke" at the same time. If you buy a thing on a private ad, do not transfer money in advance - scammers often ask you to transfer an advance payment under various pretexts, and then disappear along with the money.

Check out the rules

Often users do not read the rules for using online stores or other services. This is a big mistake - that's where all the important information is. For example, is it possible to track the delivery of the parcel, return the item if it does not fit, who will pay the postage for the return, what is the deadline for filing a complaint. By the way, this does not only apply to online shopping. For example, users of the service for booking AirBnb apartments can complain that something is wrong with the ordered apartment, only on the first day of check-in.

Check out the reviews

If you buy in an online store, then make sure that there are no posts on forums and sites about missing things and money, the site has been around for a long time, and the prices do not arouse suspicion. And if you decide on a major purchase (for example, a car) from a private person, take the check even more seriously. Most classifieds sites don't allow you to post seller reviews, but there are social media! Find the seller's profile on VKontakte or on Facebook - this is easy to do using a mobile phone, look for his first and last name on the Internet - maybe someone has already dealt with this person.

Keep track of your data

In no case do not disclose your bank card details and passport data to anyone! Fraudsters often offer to transfer money to your card or ask you to transfer money to their account. At the same time, they may ask not only for your card number and bank details (which are always enough for a transfer), but also for your phone number, full name, code on the back of the card, and even an SMS password from the bank. This is usually done by deception: for example, a scammer may introduce himself as an employee of your bank and promise to transfer money to the account of an online store. Not for nothing in all SMS from the bank there is a line: "Do not tell this password to anyone, including a bank employee."

No matter how experienced you are in online shopping, scammers are on the alert and create new schemes. Therefore, it is pointless in the topic “how to buy safely in an online store” to try to describe and warn against every scam. I set another task - to recall the simple safety rules that, taken together, perfectly protect against the most sophisticated crooks.

According to statistics, the number of "divorces" increases significantly during the holidays, because people choose gifts for relatives and friends. In addition, during this period, promotions are held in stores and offer good discounts. And buyers in pursuit of a freebie lose their vigilance. Therefore, before placing another order in the online store, go through each item. The rules are not new, but this does not prevent us from forgetting them from time to time and acting carelessly.

1. Choose only trusted sites

On holidays, when all sellers vying with each other offer low prices and gifts with each purchase, you should not test new resources. Especially the lesser known ones.

The fact that a store is in the TOP-3 for your query is not yet a sign of its reliability. This is just high-quality work of SEOs. On a familiar site, the likelihood of being involved in a fraudulent scheme is much lower. For example, we all know rozetka.com.ua or fotos.ua. There are also online stores representing large offline retail chains.

Be especially careful with domains.

A fairly common trick is when a well-known brand is used with a different domain zone. Instead of .com it says .net or .org. Yes, the price offers on such sites can be very tempting. But this is how scammers collect sensitive payment information from users.

2. The site protocol must support encryption

The address of a secure resource starts with https://. Never make purchases with your credit card on a website with an address http://. This is not necessarily a scam, but your payment details are not protected against theft.

Never email your credit card number! Legitimate stores don't work like that.

3. Do not provide TIN

No legal online store needs your TIN or date of birth. However, if scammers get them, combined with your credit card number for purchases, they can do a lot of harm. Try to include as little personal information as possible.

4. Check your bills

Regularly check the status of your cards and payment accounts. Especially when you are on vacation. During this period, people are less attentive, relaxed, and use credit cards in unfamiliar places. Make sure you don't see any fraudulent payments, even from sites like PayPal. After all, there are many ways to get to your savings)).

At the first suspicion, call the hotline of your bank and resolve the issue as quickly as possible. Confirm the payment from your credit card only after carefully checking the details. This case from the series is not just “measure 7 times”, but rather all 15. For reliability.

most payment systems have the possibility of a refund. Anyone who is learning how to shop safely online should be prepared for a negative scenario. Find out in advance about the return procedure in your bank or technical support, if we are talking about electronic money.

5. Protect your computer

Fraudsters do not always sit and calmly wait for gullible users to look at the site and leave their details. Sometimes they act more aggressively using phishing messages. Install a reliable antivirus and make it a habit not to click on pop-ups. How is it safe to buy in an online store if your own computer is a “gateway”?!

6. Use only strong passwords

This means that it is reckless to leave a date of birth as a password for an e-wallet or online banking. The best option is a password generator that uses random characters and then stores them in its own secure database. This feature is available in many password managers.

7. Use mobile devices

Solid resources support payments from phones and process such orders no less quickly. There is no cause for concern in this regard. Abroad, users no longer remember how to buy in an online store without smart gadgets. The main trick is to use the official applications of large trading platforms or your bank. So you can view the goods and make a payment without going directly to the store's website.

8. Avoid making payments in public places

Of course, the days when people went to check mail in Internet cafes are long gone. But situations are different. If you still have to conduct a payment transaction in an untrusted place, do not forget to log out of your account before disconnecting. This even applies to checking email.

Better yet, just get a tablet. Make purchases with it if you are away from home. In general, be careful in public places. As long as you enter your card number and expiration date, the scammer looking over your shoulder has plenty of time to steal your details. Think like a bandit. Sit with your back against the wall and facing the door. Why create potentially dangerous situations.

9. Use a secure connection

Home WIFi is usually password protected. But public networks do not always have this property. When choosing a public network, choose one that includes a password and a wireless connection.

10. Pay with gift cards and purchase certificates

We have certificates for a certain amount as a gift are widely offered by large retail chains, but people have not yet fully appreciated the benefits. In terms of Internet security, this is ideal. You do not have to indicate the card number and all the details will be "one-time".

11. If something is too good, it is most likely a scam.

We all know this! Heard a thousand times! But the number of victims of fraud is constantly growing. Especially all sorts of schemes bloom luxuriantly during the holidays. For example, you can find a free ipad as a gift with the main purchase and a discount coupon.

There are other amazing deals as well. Just the other day I came across a site selling branded perfumes. An 80% discount was offered for all goods, including perfumes, the retail price of which was from UAH 1000. Can you imagine Nina Ricci or Trussardi for 250 UAH?!

By the way, many of these “offers” come through social networks. Sometimes even from acquaintances and friends.

Maintain a healthy skepticism! When it comes to how to shop online safely, skepticism is the best defense.

And let the New Year please us only with pleasant surprises!

Make sure that the identity, location and contact information of the online seller is established. There are many well-known and popular companies that offer online shopping on their websites, such as Amazon.com. Some of the stores where you are used to shopping usually also create websites where they sell their goods. In this case, there is nothing to fear. If you don't know much about the site you want to buy from, it's best to ask before you do anything. Find the name, company registration number, their email and postal address, phone numbers, and the address of their main office.

Find out as much as you can about the company's reputation. After you know the name and address of the company, you can ask about the company's reputation in the market. When buying goods on the Internet, various problems with service and delivery can arise, which do not arise when buying in a store. Remember this. To check the reputation of the site where you are going to buy something, enter its name in the search engine. Find reviews about the site and the quality of the service. Read reviews before trusting any site. And then, you can always call the contact numbers of the company and ask your questions, or write them an e-mail.

Learn about payment terms, guarantees and delivery terms before making a purchase. Always ask and look for information about additional costs, such as shipping fees. Look for this information:

Use only safe sites to pay for purchases. Your bank card details must be processed over a secure connection, such as SSL, the most famous and commonly used secure connection. SSL encrypts data and breaks it into small pieces, so third parties cannot read the data even if they intercept it. To make sure the site is using SSL connections to process your payment, look at the following:

Be careful when entering information. Please enter correct information when placing an order. The inaccuracy or incorrectness of the entered data can lead to various problems. Check the correctness of the information after entering.

Use a bank card with fraud protection. Find out what guarantees your bank provides in this matter. Many banks provide protection, you will not have to pay for purchases made using your credit card without your knowledge.

Install a Phishing Filter. For example, SmartScreen Filter in Internet Explorer, which protects against fraudulent sites and warns you of danger.

Record all your purchases and information about them. After purchasing the item, write down the time, date, receipt and order number. It is best to print the order page in the browser or take a screenshot.

Remember that there are scammers who work by sending emails, whose task is to collect personal data about network users. These scammers are trying to get you to give them some personal information so they can use it for their own purposes. Many fall for this, so be careful. Often such letters look quite harmless, and even more often they impersonate employees of well-known companies so as not to arouse unnecessary suspicion. They may send you emails with links you shouldn't click on, as well as emails asking you to change your password, enter your username, and so on. Never do this. Always visit a company's website by directly typing their address into your browser's address bar.

Internet shopping and online payments have become the norm in recent years, but Internet scammers are on the alert and come up with new ways to "take money from the population." Can I safely pay for an apartment via the Internet, make purchases in online stores using a bank card? What methods of Internet fraud should be remembered? Experts of the project "Financial health" tell.

Every day, Russians make more than 500,000 purchases on the Internet. The turnover of online shopping is growing by 30-40% per year. Still: purchases made on sites are often much cheaper, they are delivered right to the doorstep of your home or office. Already now, through the Internet, you can buy products, even the most exotic ones, order food from any cuisine of the world at home, make purchases abroad, attend and pay for master classes from different countries, organize your vacation, pay for utilities and a child’s school, without standing in line in the bank.

According to Markswebb Rank&Reports, 2014

But there is one problem: unfortunately, not everyone knows how to protect a bank card and an electronic wallet. In 2013, Russia ranked fourth in Europe in terms of "card" fraud, and 4.6 billion rubles were stolen not by smart hackers, but by ordinary crooks who played on inattention, ignorance, excessive naivety and carelessness of citizens.

Damage from card fraud in 2013, million euros

Online shopping is much safer and more convenient than cash payments. The main thing is to know the simple rules of protection, use the security features that banks and payment services provide, and own the information. Then online shopping will not turn into online frustration.

How to protect your payments online

Get a separate card for online shopping. Do not use a salary card, let alone a credit card, for online payments - if it attracts the attention of an attacker, the losses will be tangible. It is better to have a separate debit card for use on the Internet with a limited limit and expiration date - for example, by issuing a virtual card. This will make it easier to control expenses and notice unplanned write-offs.

Link your cards to your wallet. It is safer to pay for online purchases with a card linked to an electronic wallet. Then you won't have to leave her data in every store - they will be protected by the electronic payment service, for the store the purchase will look like it was made from a wallet. For example, you can link up to five cards to your Yandex.Money account and pay directly from any of them.

Use one-time passwords. Everyone knows that passwords should be complex, long, with many numbers and letters of different case. But for a fraudster, cracking even the most intricate password is a matter of time (and the speed of his cracking programs). It is much safer to pay with cards or use such payment services that allow you not to enter a permanent password, but to confirm a one-time payment - it comes in SMS or is generated by a mobile application. Such passwords "live" for a very short time and are suitable for only one operation, so there is no point in stealing them.

Install and update antiviruses. Antivirus is a completely useful thing - not only for a computer, but also for a smartphone. Viruses can affect not only the quality of the device, but also the safety of personal data - passwords from social networks, mail, payment services.

Look for https:// in the address bar. The most important thing in this familiar set of letters and signs is the Latin s. It is its presence that means that you are on a web page, the security of which the developers have taken care of ("s" means secure, translated from English - "safe"). If the browser warns about an insecure connection or blocks the transition to the site, warning about a possible infection of the computer, you should not try to enter it again and, moreover, enter card data on its pages. Even if you are well acquainted with this resource, it is better to wait and try to return after a while, when the problem is fixed - sometimes a large online portal can get sick.

Do not make payments from other people's computers. Even if it's your best friend's computer, you can never be sure that she keeps her device safe. Even more dangerous are devices from Internet cafes, student libraries and other public places. In addition to viruses, here a "live" scammer can wait for the user: sitting behind your shoulder, he peeps and writes down logins and passwords. In addition, attackers today have technologies that allow them to steal other people's data in public places - from password interceptors from the keyboard to special programs that save requests in the browser. But if you bought something from someone else's computer, do not forget to log out of all accounts.

Do not give your passwords even to the "security service". Fraudsters have got the knack of extorting financial information in the following way: someone calls, pretending to be a security specialist of your bank or electronic payment service, and says: "Something suspicious is happening with your account, we need to check the information for security reasons. Please name your passport details (pin -code, CVV2, code from the SMS you just received - possible variations) This behavior is a sure sign that these are fake cybercrime fighters.

True employees of the security service of the payment service will not call and be interested in personal data, as well as account passwords. Most likely, the card number became known to the fraudster, and he is trying to get the missing information in order to withdraw money from the account.

And now it's time to talk about the most common methods of fraud on the Internet. Knowing about their existence, it will be easier to recognize them, and therefore to defend themselves.

1. "I entered this number by mistake." Imagine a situation: some kind of holiday, good mood, feast - and then an SMS, and after it - a call. Instead of congratulations (or maybe along with them), you hear an apology in the receiver: “Sorry, I just tried to log into my Internet bank (wallet, personal account of a mobile operator, etc.), but I made a mistake, and it turned out that entered your number. Can you send me the code you received via SMS? It's actually mine."

Without expecting a catch at such a wonderful hour, you decide to help a person, but in fact a scammer, and give him the data from your account. No other person's password can come to your phone number - it will not work for another account. Using a secret code, an attacker can change the settings of an Internet bank or wallet, steal money, etc.

What to do? Do not tell anyone passwords, pin codes and codes from SMS that come to your mobile number from banks, payment services and mobile operators.

2. Letter from a friend. You receive a message from a friend - on a social network or Skype, she asks for a loan. He says that it is very urgent, and begs, if possible, to transfer the necessary amount immediately - to a card or wallet.

What to do? Before rushing to help a friend out of trouble, it is worth double-checking the information, as the account can be hacked. The best thing in such a situation is to call a friend back and find out the essence of the problem by phone. If this is not possible, you can ask some kind of "control" question, the answer to which only she can know.

3. "Mom, I have problems!". Another similar and common type of fraud is no longer based on friendship, but on parental feelings. Sometimes scammers send out messages to mobile numbers, trying to get to the one who believes and responds. And the fact that the SMS in this case comes from an unknown number only increases the recipient's excitement: "Mom, I had an accident, I urgently need money, please transfer it to this phone number." "Dad, I have problems, I'm in the hospital, I'm writing from someone else's phone, please throw money into this wallet. Don't tell mom." The goal is clear - to lure money from the user's relatives: they themselves will transfer them to the specified mobile number, bank card or electronic wallet (depending on which method will be indicated in the SMS).

What to do? Contact the user on behalf of whom the message was received using his real phone number and check the information. If the phone is unavailable or does not answer, try contacting in any other way. Sometimes "a subscriber outside the coverage area" means only that a person is traveling by subway.

4. "You won the lottery." A well-known radio station calls and congratulates you on winning 1,000,000 rubles? I received a letter from an advertising agency in the mail that your address has become happy and now their client, a global jewelry manufacturer, is giving you a diamond ring? You only need to pay tax or pay for the delivery of the prize. If you have never participated in these lotteries, you can be sure that the good news is fake. The "tax" will go to the scammers, and the promised winnings will never reach the addressee.

Here are some signs of a fake lottery:

• the user has never left his personal data on the resource or in the organization on behalf of which the message comes
• the message is composed with spelling errors;
• The sender's mail address is located on a public mail service - for example, gmail.com, yandex.ru, mail.ru.

5. "Your account is blocked." You receive an alarm message from your bank or payment service. It contains information that the account is blocked, and in order to resume working with it, you must follow the link and enter your data. The only purpose of such letters is to convince a person to go to a fake (phishing) site and enter their personal data there, which will be stolen, and after them - the money from the account. In addition, a phishing site can infect your computer with a virus.

Remember: payment services and banks never send messages about account blocking by e-mail.

What to do? Do not follow links from such emails and do not enter your passwords on third-party sites, even if they are very similar to the site of a bank, Yandex.Money or another payment service. Before entering your payment information on any sites, check the site address in your browser. For example, instead of money.yandex.ru, a fake site can use the address money.yanex.ru.

6. Twin stores. Fraudulent online stores often masquerade as well-known ones. Their address in the line may differ from the address of the real store by just one letter, for example, yubbka.com instead of yubka.ru. But even in a real online store, danger can await - during the transition to the page for paying for goods. At this moment, a special virus throws the user to a fake page.

What to do? Look carefully at the site address so that it does not contain extra characters. In addition, when you go to a fake payment page, you may receive a warning that you are sending money to an individual. Do not ignore this warning: all decent stores are registered as legal entities.

7. Too profitable purchases. Discounts are always nice, but too low prices for expensive items should sharpen your vigilance. At bargain prices, they can sell anything - from a new phone to a motorcycle, and not only in a fictitious online store, but also in a group on a social network, by e-mail. The offer may be accompanied by a plausible explanation: they gave it as a gift - they didn’t like it, the sale of goods confiscated at the border, etc. In this case, as a rule, it is offered to pay for the purchase online - by transferring money to a bank card, electronic wallet or mobile number.

What to do? Do not trust ads for suspiciously cheap goods. Before buying, search the Internet for reviews about an online store or a private seller who offers a product. If there is no information or it is not enough, refuse the purchase.

8. Freebie with a subscription. Save on a licensed MS Office, watch a new blockbuster - in good quality, online, for free? On the Internet, the miser also pays twice, and sometimes even three times. Often, users who want to download a file for free or watch a pirated copy of a movie are prompted to enter a mobile number on the site. If you do so, a paid SMS subscription may turn on, and money will be debited from the specified number.

What to do? Do not enter your mobile number on unfamiliar sites. If you are already subscribed, call your mobile operator support and ask them to unsubscribe.

Most online purchases are made with a credit card. This payment method is not always secure. Unfortunately, the main reason for this is our carelessness and non-compliance with the recommendations of banks. Fraudsters may target your credit card number, passwords, and other sensitive information that is shared with other users via email. Often, card details fall into the eyes of strangers when paying for purchases or conducting transactions through an ATM, etc.

The development of modern technologies of payment via the Internet now makes it possible to pay for goods and services more securely. However, in order to make shopping in online stores safe, you should also be careful and know a few simple rules, the simplest of which is to make purchases only on trusted sites.

The safest way to shop online

The easiest way to scam on the Internet is to pay for an item that you will not receive. Buying goods with home delivery by a courier eliminates this type of fraud, since payment occurs after the goods are delivered to the buyer at home and examined. Of all the ways to buy online, this is the safest, and if you have the opportunity, use it.

There is no need to dwell on this method in detail. Suffice it to say that be sure to take a document (sales receipt) confirming the sale. Also write down the details of the store and remember that you have the right to refuse a purchase if the product does not meet the declared characteristics or quality.

Choose a trusted store to buy goods

If you are going to buy abroad, try to buy goods in popular stores, such as Amazon.com, Ebay auction and others. In the United States, search engines assign a certain level of consumer trust to online stores, and it is easy to determine the degree of trust this store has on the part of the search engine.

The low price of the goods should alert

A low price for a product always attracts attention, but be prudent. The price for the same item cannot vary too much in different stores. If the goods are made in China, then its analogue can be found in the Chinese Taobao online store and compare the cost. If the price of this product is lower than in Taobao, this is a serious reason to suspect fraud. Sometimes, scammers, using such a simple trick, catch you on a "bait", and at best, you risk getting just a low-quality product.

By the way, they "catch" the bait in another way. It's called fishing. In free translation - to fish with a fishing rod. Only instead of fish, scammers catch card holders, luring them to sites that look like the site of respected and trusted stores. If it comes to payment, then all the payment details of the card fall into the hands of fraudsters, with all the ensuing consequences.

On the payment page of the store, an additional letter should appear at the beginning of the address bar of the site name, instead of http: should be https:.

How to check the security of a store website

Pay attention to the appearance of the site. "Decent" stores do not spare money for the design of the site and its competent design. The site should not cause you discomfort. Check how long this store has been on the market. Read all the terms of payment and delivery. The more options to choose from, the more this store pays attention to the convenience of customers, and therefore the security of paying by card.

Make sure that the site is not a clone of a well-known and popular online store. Sometimes it is enough to replace one letter in the domain, make a similar design to mislead the buyer. Be vigilant and check the site address in the browser bar so that it is adidas not adidas.

A real-life online store always indicates its data: address, phone numbers, Skype address, and even registration data. The lack of details should alert you and force you to leave such a site.

If the purchase is going to be expensive, call the specified phone number and talk to a consultant. In a "real" conversation, you can learn a lot of details that are not listed on the site.

When paying for the purchase, you will have to fill out a special form in which you need to indicate the CVV2 / CVC2 card code, full name, and payment details of your bank card. If, after a thorough check of the store, you decide to pay for the goods and enter these data, look at the top line of the browser. The site address should change a little, one additional letter "S" will appear. At the very beginning of a web address, "http" in the address bar will change to "https". This means that a secure data transfer protocol is used, which is currently used by almost all sites.

Use a separate card for online purchases

To protect your card from data theft and subsequent events, open an additional card specifically for purchases in the online store. And keep on the card only the amount that is needed when making this purchase. If there is no money on the card account, then nothing will disappear.

Consider using one-time virtual cards designed for a single online purchase. Most banks, for a small fee, provide cardholders with such a virtual card. This method effectively ensures the security of paying for purchases in an online store.

If possible, use a new, more advanced card payment technology called "3-D Secure Technology". Instead of the CVV2/CVC2 card code, one-time additional passwords are used, sent via SMS to your mobile phone number. They usually operate within a few minutes and without such a password it is impossible to withdraw money from the card.

Payment for purchases from an electronic wallet

This is the most modern and constantly improving way to buy goods on the Internet. Payment systems such as the WebMoney electronic wallet, Yandex Money, QIWI, PayPal and others pay great attention to the security of transactions via the Internet. In addition to the simplicity of the process of paying for purchases, there are also a number of other advantages, one of which is security. For purchases abroad, it is most convenient to use the Paypal payment system, the security and reliability of which is at a very high level.

Since the money to the e-wallet usually comes from a bank debit card or payment terminal, follow a simple rule - transfer only the amount that you are going to spend to the e-wallet.

Notify the bank about a suspicious purchase in an online store

1. Never email your credit card number. There are programs that track these emails and collect the information they contain.
2. Beware if an online store uses a payment method only with a bank card. And why is there no other payment method, for example, using the popular Yandex Money payment system or cash on delivery?
3. Write down in a notebook all the data of the operation: date, time, details of the recipient and other information that you consider necessary.
4. At the slightest suspicion of fraud, immediately call the bank and explain the situation, temporarily block the card.
5. You should be aware that banks and other credit companies will never ask you to provide your card details, passwords, or follow a link provided in an email.
6. After completing the payment, clear your browser cache and cookies. After each transaction with a bank card, turn off the Internet for a short time.
7. Before making purchases in online stores, call your bank and make sure that this type of card is intended for paying for purchases on the Internet and consult how to safely pay for purchases in online stores using a card.

Publication date: 11/02/2014

Ask the administration of the store to send the receipt received during the registration of the parcel in the mail. The receipt indicates the number with which you can track the movement of the parcel to the addressee on the website of the Russian Post in the "Services" section.

Payment for goods using electronic wallets is made instantly, and the payment services themselves, such as Yandex Money and others, are simple and reliable to use.

If you have a bank account and you constantly have to make all kinds of payments, try connecting to Internet banking and start enjoying the benefits of the virtual world.

The main advantage of electronic money is that the electronic money transfer does not require payment of large commissions, and sometimes it is completely free.

The most modern, convenient and fast are payment systems such as Webmoney, Yandex money, Qiwi. These systems are in Russia, while the world leader is PayPal, whose main advantage is its internationality.

If a sewing machine is needed to perform infrequent minor repairs, then any even the most inexpensive sewing machine is suitable for these purposes.