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USD, EUR:

USD / EUR  0.708  |
|  EUR / USD  1.355



GOLD Bid Price /oz:

USD >> 1266.111  |
|   EUR >> 915.15


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Frequently Asked Questions

Why am I not receiving my account activation email?

It is possible that you have entered a wrong email address at the registration, or maybe your email spam filters need to be adjusted to receive automatically generated emails which are sent out at the end of any registration process. The delivery of your account activation information may also take up to several hours. If this is not the case, please register again using a different email address.

What is the difference between a single payment and a recurrent payment?

A single payment is made just once; it is set for a certain amount and delivered instantly. A recurrent payment is a function that allows transferring funds to a preset account on preset dates following a preset schedule.

Read more Q & A »






Frequently Asked Questions

1. Perfect Money: the system and its opportunities

What are the benefits of using the Perfect money System?
The Perfect Money (PM) System is unique in its use. It was engineered to become a perfect Internet payment tool. When using the PM System, you are able to:
  • conduct money transfers between users;
  • accept payments in various internet business projects;
  • schedule recurring internet payments;
  • secure your funds in an electronic account while earning interest;
  • make payments for your online purchases of goods and services


What currencies are PM clients’ funds stored in?

Any given client account is a multicurrency one. It is represented by three different currencies:

  • USD;
  • EUR;
  • GOLD.


What opportunities does the PM system open for its clients?
PM provides a wide array of opportunities. You can find more information about them in the “Features” section.

How do I become a PM account holder?
In order to open a PM account, you need to complete the registration process.

2. Registration and account access

How do I register for an account?
To register a PM account you need to click the “Signup” button in the top portion of the PM home page and then enter your personal data.

What are the differences between a Personal and a Business account?
A Personal account is opened for an individual user.
A Business account is opened for a corporate entity.

What are the differences between a Premium and a Partner level account?
Premium accounts are privileged in terms of offered benefits which include a low 2% fee on balance transfers via bank as well as a priority treatment in all deposits and withdrawals of your account funds.Partner accounts are the most privileged type of accounts offering an increased level of trust to its holder and his/her business. Some of its unique features are a 1.5% fee on withdrawals via bank wire, a 1.5% fee for deposits initiated from a Pecunix payment system account and an 8% annual interest on the minimal account balance calculated monthly.

How do I upgrade to the Premium status?
In order to obtain the Premium status, you need to remain a PM account holder for not less than three months and make a deposit of US $50,000 or more into your PM account.

Why does the system show an error at the registration process?
This may occur because of a routine maintenance work on the site server. You would have to try again after several hours.

Why am I not receiving my account activation email?
It is possible that you have entered a wrong email address at the registration, or maybe your email spam filters need to be adjusted to receive automatically generated emails which are sent out at the end of any registration process. The delivery of your account activation information may also take up to several hours. If this is not the case, please register again using a different email address.

What do I do if the system does not recognize my password or I cannot remember it?
In such cases you would have to send your member ID and a scanned copy of a document that can identify you in our system. After matching the submitted information against your personal data recorded in our system, your password will be emailed to the address provided at the registration.

Can I hold several accounts for one IP address?
Yes, but all the accounts must have the same personal data.

What security measures do I need to follow while entering my account?
First of all, make sure that you have entered the proper URL in your browser address line: https://perfectmoney.com. If possible, try to use the screen keypad as it will protect you from a possible personal data access and identity fraud by a spying software.Please remember that when you enter your account, you need to only enter your login, password and a verification code that protects the site from robots. We never ask to enter your email address and password. If you are asked to do that, you should know that you are on the original PM website but were redirected to a fraudulent one.

3. My account

What is the purpose of the “My account” section?
The “My account” section will always welcome you once you have entered the client zone. Here you can view your accounts, recent transaction history, any additional account information as well as some information on the security tools for your accounts. You can also add an additional account while visiting “My account” section.

4. Internal transfer

What account number shall I use to receive funds?
For money transfers your actual account number is used, not your ID number. You need to use the account number of the corresponding currency: “U” for US Dollars, “E” for Euros, “G” for Gold. All the account numbers are reflected on the front page of the client zone.

What is the Payee list and what can it be used for?
The Payee list is a function which was created for a convenient and organized storage of all the accounts within the system that you have made payments to.

What is the difference between a single payment and a recurrent payment?
A single payment is made just once; it is set for a certain amount and delivered instantly. A recurrent payment is a function that allows transferring funds to a preset account on preset dates following a preset schedule.

Is it possible to cancel a completed payment transaction?
Any payment made in the system cannot be canceled.

How can I send funds to a mobile device?
In order to send money to a mobile device, you need to specify the payment amount, the account the funds should be transferred from and the mobile phone number the funds should be transferred to. The recipient will receive an e-Voucher number that he/she will need to complete the funds transfer to his/her account.

How can I send funds to an e-mail address?
You can send money to someone who does not hold an account with PM via e-mail. To do that you need to enter the recipient’s e-mail address, the amount to be sent and the account the money should be transferred from. The recipient will be delivered an e-mail with a special link which will facilitate the PM registration process and the receipt of the payment.

What is the commission fee for an internal transfer?
To know the commission fee for the transaction you are about to make, you need to fill out the transaction form and then hit “Preview” to review the fee in a newly opened window.

5. Exchange

Why do I need to exchange one currency for another?
Under the current conditions of the currency markets volatility the currency exchange rates can drastically change even throughout a given day. Exchanging currencies can bring you profits or help you preserve your savings.

How can I know if my exchange transactions bring profits or induce losses?
The PM analytical tools allow you to see all your gains and losses after your exchange transactions. To access these tools, you need to follow the link to the “Analytics” section that you can find in the bottom of the screen of the “Exchange” zone. In this section you can see the analysis of every exchange transaction.

How do I guide myself in analyzing currency trends?
To make your activities on currency exchange most effective, you can view the analytics and read news on the currency markets in our “Analytics” section. You can also activate the automatic notification service which will send currency exchange rates straight to your e-mail or mobile device.

How do I deactivate the notification service?
To deactivate notifications you need to go to section Settings and to disable the notifications you do not need. After that you should to save the settings.

How do I guide myself in analyzing currency trends?
This function is adjusted in the “Notifications” section of the “Settings”.

6. Deposit


Questions you might have while making a deposit into your account via bank transfer


What do I need to do to make a deposit via bank transfer?
First of all, you need to create a deposit order on the site. To do that you need to enter the “Deposit” section then select to deposit funds via bank and fill out the required forms. Then you need to transfer money using the properties generated by the order. In the comments section you need to specify the internal order number the system generated for your transaction.

Where can I get the details on the bank which is to receive my deposit?
The bank properties are shown after the deposit order is generated. The deposit should be made only using the properties offered by the system. Because we engage several bank accounts, properties for a transfer might differ each time.

What is the minimal deposit amount made via bank transfer?
Currently the minimal amount for the bank transfer is at US $1,000 or its equivalent in another currency. This minimal amount is subject to change. For more information, please refer to the “Fees” section.

How long does a bank transfer take?
Normally we receive money within 3 to 5 business days after the transfer is made. The transfer amount will go into your account immediately after we collect the funds from your bank.

What countries can participate in deposits via bank transfers?
We work with all countries excluding Iran, Iraq, Nigeria and North Korea.

Why does the amount transferred differ from the amount deposited into my account?
We do not charge any fee for a bank transfer but some primary and intermediate banks do. Sometimes they charge a fee for some technicalities of such transactions.

What do I need to do if the money did not arrive within 5 business days after the transfer was initiated?
Sometimes transfers may take more than 5 business days. If this is the case, you need to get in touch with our customer support center and notify it of the delay. Please make sure that your real (bank) name matches the name stated in the transfer order.

Can I transfer the amount specified in the order in several parts?
No, you need to transfer the exact amount specified when the order was initiated. Otherwise there might be problems with the identification of your deposit.


Questions you might have while making a deposit into your account via e-Voucher


What is an e-Voucher and where can I purchase it?
e-Voucher is a special code which you can use to fund your account. You can also transfer or cell this code to any other person who will be able to use it to fund his/her account.You or any other PM account holder can instantly generate an e-Voucher in either “Withdrawal” or “Statement” sections.



How to fund your account using an e-Voucher?
To fund your account using an e-Voucher you only need to enter its number and activation code in the corresponding fields. The transaction is instant.


Questions you might have while making a deposit into your account via electronic payment system


What electronic payment systems can be used to make deposits into a PM account?
Currently we only accept direct transfers from Pecunix payment system. To make transfers from other payment systems you can use the services of e-currency exchangers. The list of our certified partners is always available on this page: https://www.perfectmoney.com/business-partners.html

How long does it take to deposit money from a Pecunix account?
Your Pecunix funds are deposited into your account automatically upon their receipt.


Questions you might have while making a deposit into your account via e-currency exchangers


Where can I find the list of the PM approved e-currency exchangers?
The list of our certified partners is always available here:
https://www.perfectmoney.com/business-partners.html. We strongly recommend that you only use the exchangers from this particular list.

What is the commission for a funds transfer via e-currency exchangers?
Every exchanger sets its own commission schedule. You can always find it on a website of a particular e-currency exchanger.

I have transferred some funds into my PM account using an e-currency exchanger not listed with the PM certified exchangers. Now I see that this transfer is not reflected in my account activities.
These days many fraudsters mask themselves as legitimate exchangers. Thus we insist that all our clients should use the PM certified exchangers only as we guarantee their credibility. When there is some money transferred into your account, it is always reflected in your account activities.

7. Withdrawal


Questions you might have while making a withdrawal of funds via bank transfer


What do I need to do to withdraw funds into my bank account?
To withdraw funds and deposit those into a bank account you need to enter the “Withdrawal” section. Once there, you need to select the bank transfer option and fill in all the required data. All the necessary information should be supplied by your bank. If all the areas are filled in correctly, the system will generate a withdrawal order. Your money should be transferred to your bank within 24 hours after the order was generated.

How long does it take to withdraw funds via bank transfer?
We release your funds within 24 hours after the order was generated, but normally clients receive their transfers within 3 to 5 business days from the time the order was generated.

What is the minimal withdrawal amount via bank transfer?
 Currently the minimal amount is set at US$100 or its equivalent in another currency. For more information please refer to the “Fees” section.

What is the maximum withdrawal amount via bank transfer?
There is no limit on the amounts withdrawn. But when you transfer very large amounts your bank might request the account status to be one of a corporate client.

What countries can a bank transfer be made to?
We work with all countries excluding Iran, Iraq, Nigeria and North Korea.

Why does the system prevent me from generating a withdrawal order of the entire amount stored in my account?
The withdrawal fee is debited from the remaining balance on your account. Therefore you need to limit your withdrawal to ensure the remaining balance can cover the commission.

My bank does not work with IBAN. How can I arrange a withdrawal order?
To do that you just need to enter your bank account number in the IBAN field.

Can I generate a withdrawal order to someone else’s bank account?
You can withdraw your money and deposit it into any bank account. All you need to do is to provide correct information on the recipient.

What do I need to do if the money is not deposited within 5 days from the moment the order was generated?
Sometimes transfers may take more than 5 business days. If this is the case, you need to get in touch with our customer support center and notify it of the delay. It is possible that your withdrawal order contains a wrong account number and/or a misspelled recipient’s name. That can be a reason for the bank not being able to credit your account with the transferred amount.


Questions you might have while making a withdrawal of funds via e-Voucher


How do I create a new e-Voucher?
You can easily and instantly create new e-Vouchers in the “Withdrawal” section of our site. To create an e-Voucher you need to enter the desired value and choose the account to pay for it.

How can I use my e-Voucher?
Your e-Voucher is completely at your disposal. For example, you can resell it for profit or transfer it to a third party to pay for goods, services or work completed.


Questions you might have while withdrawing your funds into a different payment system


What payment systems can I directly transfer funds to from my PM account?
Currently the only way you can transfer your PM funds into other payment systems is via e-currency exchangers. You can purchase prepaid Webmoney cards from us and use them to top off your Webmoney account.


Questions you might have while withdrawing your funds via e-currency exchangers


Where can I find the list of the PM approved e-currency exchangers?
The list of our certified partners is always available here:
https://www.perfectmoney.com/business-partners.html. We strongly recommend that you only use the exchangers from this particular list.

Is it possible to use an e-currency exchanger to withdraw money via bank transfer?
Yes, there are some exchangers on our list which receive and send direct bank transfers.

What is the fee for transferring money via exchanger?
Each exchanger sets its own fees for such transactions. Usually you can find this information on the website of a particular e-currency exchanger.

I have transferred some funds from my PM account using an e-currency exchanger not listed with the PM certified exchangers. Now I see that this transfer is not reflected in my account activities?
These days many fraudsters mask themselves as legitimate e-currency exchangers. Thus we insist that all our clients use the PM certified e-currency exchangers only as we guarantee their credibility. When there is some money transferred into your account, it is always reflected in your account activities.


Questions you might have while withdrawing via Pre-paid cards


What are Webmoney pre-paid cards?
These cards are solely created to fund your Webmoney accounts; they cannot be used to pay for goods and services. When you buy them, you do not get the card itself but we give you its number and the conformation code. By using this information, you can instantly add funds to your Webmoney account.

What are Virtual Visa cards?
These are prepaid cards which can be used to pay for various goods and services purchased via Internet. We do not send you the card itself but give you all the information necessary to fully use Virtual Visa instead of a plastic card when you make payments online.

8. Statement

Why did we create the “Statement” section?
The “Statement” section is the area where you can get information about your account activities. To get such information you should know your Batch number. You can also purchase e-Vouchers here.

9. Analytics

Why do I need the “Analytics” section?
This section allows PM clients to stay informed about current events on the currency markets, read fresh headlines on financial matters, and analyze currency rate trends utilizing graphs as well. Here you can also sign up for currency rates notifications which will be delivered to your e-mail address or your mobile device.

10. Internal mail

What kind of messages can I get in my internal mail box?
In your internal mail box you can send and receive messages to and from our system administrators. You can also receive a copy of the information you obtained at the time you purchased a pre-paid card.

How can I send an SMS message to any phone number worldwide?
Your internal mail service also offers you an opportunity to send SMS to any mobile device. To do that you need to follow the link and fill out all the required fields. The details on the commission for this service can be found in the “Fees” section.

Can I send a message to a PM account holder if I only know his/her account number?
Currently such service is not available.

11. History

Why do I need the “History” section?
The “History” section allows you to conduct a full analysis of all your account transactions. You can use a certain filter to find particular historical data on your account activities based on a time frame or other parameters. You also have an opportunity to save your history in a text format by importing it. The Partner Program statistics are also available in the “History section.

12. Settings

Why do I need the “Settings” section?
In the “Settings” section you change the parameters for the personal data in your account, specify what public information you want to share, turn on or off security tools and activate such services as subaccounts and notifications. The API installation on your site and IP mask parameters selection begins with the “Settings” section as well.

13. Security


User IP Authentication


How does the user authentication work?
Every time an attempt to enter an account from an IP address different from the one used to set IP identification/change browser settings is made, the system will send a special PIN code to be entered to identify the account holder.

What do I do if I received an e-mail message with a PIN number but when I try to enter it, the system tells me it is invalid?
Maybe the PIN arrived into your mailbox too late. You can contact the customer service team and request it to be resent to a different e-mail address.

My PIN never arrived to my e-mail box.
It is possible that your e-mail service blocks any automatically generated messages sent by our system. Please contact our customer service and request to resend your PIN to an alternative e-mail address.

I lost the access to my email account.
Please contact our customer support service and request to resend the PIN to a different e-mail account.

I tried to enter my PIN several times and now the system tells me that my account is blocked.
The system automatically blocks an account when the incorrect PIN entered repeatedly. The account will become available after several hours.


SMS-authorization


How does the SMS-authorization feature work?
Every time someone tries to enter his/her account the system sends a message to the client’s mobile device showing the PIN needed to authorize the attempted transaction. There is a 10 cents fee for each SMS message sent.

SMS messages stopped arriving to my mobile device.
It is possible that your mobile service provider is blocking our messages. Please contact our customer service team and request to disable the SMS authorization feature.

I lost my cellular phone and now I am not able to enter my account.
Please get in touch with our customer service team and request to disable the SMS-authorization feature or submit a new cellular phone number for the PIN to be sent to.


Code card


What kind of security does the code card provide?
When you select this security option, your email box will receive a graphic image containing a set of codes. The system will require you to enter these codes every time you are about to make a financial transaction.

I lost the message containing the code card. What do I do?
Contact our customer service and request to resend your code card to your e-mail address.


Notifications


How can I set up the notification feature?
You can do that by going to the “Settings” section of your account. By customizing the notification list you can set up a large number of various notifications based on your needs.

Where can notifications be delivered to?
Notifications can be delivered either to your e-mail box or your mobile device in an SMS format.

Why do I not receive notifications even though the function is switched on?
There might be several reasons for that. First of all, notifications about your transactions might not be sent out if the transaction value was less than US $5. Secondly, your account might not hold enough funds to cover SMS notifications which are 10 cents each. If neither of these reasons explains the problem, please contact our customer service team to find out if there are temporary problems with SMS delivery to your mobile service provider.

How can I turn off the pop-up help messages in my account?
You can do that by going to the “Settings” section which is located at the bottom of the screen next to the account holder’s personal data.


Public information about my account


What are the benefits of making your account information available to others?
This function is useful to those types of businesses which deal with finances and clients who need to have trust in you and the large amounts of money stored in your accounts to cover any risks.

How do I make my account data public?
You can do that by adjusting the ‘Settings’ for your account. In this section you can choose what data you want to make available to others.

How do I make my public data accessible to others?
To do that you need to copy a special link from your account public data settings and install it onto your site. Here you can also view public data of any other member ID, when available.


Subaccounts


Why would I need a subaccount?
You can create up to 3 subaccounts for your original account. They will allow your partners, counteragents and your personal accountant to have an access to your account in order to view a statement or to obtain an account summary. Subaccounts facilitate a more effective financial management, easier accounting and a more transparent business.

How do I create a subaccount?
Subaccounts are created in the “Settings” section. In order to create a subaccount you need to hit “Subaccounts” option and choose an account you want to create it for.

How can I log in my subaccount?
To log in your subaccount you need to follow the same path as you would do when logging into your regular account – via the “Login” tool.


Partner Program


How can I know my referral link?
Your referral link will look like this: https://perfectmoney.com/signup.html?ref=account, where account is your Member ID.

What is the percentage rate gained by the referrer from his/her referrals?
We pay out an annual 1% rate from each referral’s remaining minimal monthly account balance.

How frequent are the payouts on the referral program?
The payouts are made at the end of each month.

Where can I view the referral payouts?
The payouts on the PM Partner program can be viewed in the upper part of the “History” section. You can also see the list of your referrals there.


Questions about API


How do I install API?
To install API on your site, you need to go to the “Settings” section and follow the installation instructions which will provide you with complete information on how to install API.

Why is API not working?
Please make sure that after installing API you did not forget to switch this function on in the “Security” section on the bottom of the screen. Besides, in order to activate API you need to enter an alternative access password in the “Settings” section. Otherwise, API will not work. It is also possible that you did not install and adjust API properly. If you cannot resolve the problem independently, please contact our customer support center.

How to adjust IP-mask of API?
You can do that in the “Security” section next to the API activation function.

14. Questions about fees, commissions and payouts

What is the commission for a funds deposit via bank transfer?
Currently we do not charge any commission fee for depositing money into your PM account via bank transfers. Some intermediate banks might charge you for the technical aspect of the transaction.

What is the commission for a funds withdrawal via bank transfer?
At this moment this commission is set at USD/EUR 100 +3% of the amount withdrawn. The commission is debited from the sender’s remaining account balance. You can always view all the current commission rates in the “Fees” section.

What is the commission for a funds transfer within the system?
The commission of 0.5% of the amount transferred will be debited from the sender’s remaining account balance.

How does the system calculate the 4 annual rate?
The 4% annual rate is calculated monthly. Every month the system will credit 0.33% on your minimal account balance during this month. For example, if during the whole month your account balance remained at US$1,000, at the end of the month you will gain US$3.30.



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