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.
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.
Got problems and need
detailed help on how to use Perfect Money ?
This section will guide you through the whole system of Perfect Money. It will
provide the complete and detailed explanation of each function in the system.
In case if even after you have read the whole document you feel confused please
contact our Customer Support.
1. Getting Started
Perfect Money is developed with an easy4use system, but no matter how easy a
system is people might get in trouble somewhere. For that reason we bring you
a full explanation on how to use Perfect Money and all its tools that are provided.
Before you start, you need to signup for a “Personal” or
“Business” account. The registration is made in 2 steps.
Step One
Account holder information. It's recommended to fill all the fields with your
details which may be applicable if you have password or other data, that will
need confirmation. If for some reason, you don’t want to enter some of
your personal information to the system, you have to fill at least the fields
that are required (required fields are marked by a red asterisk symbol "*"
).
Step Two
Be attentive, on this stage of your registration process, you will see your Member ID assigned. Also you will see a greeting message from the system.
2. Login into Member Area
There are two links on each page allowing you to go to the login section of
the system. It is made for your comfort. Whatever your choice will be, it will
be presented in the same login form.
Before you login you should have your “Member ID” &
“Password” prepared.
How to Login
Visit the login section. Enter your “Member ID“, “Password“
details and the “Turning Number” to get access to the Member
Area.
Tip:Use the Graphical Keyboard to avoid any key-logger that can be installed on your computer.
Be aware for any hacker activities! For your own security keep your firewall and Anti-Virus program working, watch out for key-loggers, spoofed website, and the URL in address line should always be
https://www.perfectmoney.is/
Perfect Money does not bear any responsibility for any hacking, phishing,
spoofing activities made by cheaters.
3. My Account description
You can access the Member Area of Perfect Money System after you have accomplished
the Login Procedure, which is described above.
The main Member Area (My Account) consists of information upon your account,
services status, last account activities, some personal information and accounts
financial information.
Let us analyze each part covered into “My Account”.
Main information
- A greeting Member message;
- Your Last Login information additionally showing the last IP from which you have got access to the system;
- The Type of your Account. For detailed explanation on account types go here.
Account Security tools
Displaying activated or deactivated security settings of your Account. You can
modify the Security settings at any moment of your logging in the system, just
by pressing the link “Modify settings”.
More detailed explanation about the security tools that Perfect Money® provides
to its members can be viewed in the corresponding section of this document.
My financial Accounts
- Review of the Existing Accounts;
- Review of Currency on each account;
- Review of each account balance;
- “Add Account” link for fast and easy financial account
creation.
You can check activities, history details of each account and even more, just by clicking on the account number (being an active link).
Latest Activity
History
See the latest ten (10) activities you have done in the Member Area. These activities
are Login, Logout, Exchange money, Send money, Withdraw/Deposit requests, Security
settings change or any other activity made inside your account.
More detailed history activities can be viewed in the history section of the
Perfect Money system
4. Send Money to another Perfect Money account
Sending money to your friends or business users is made very easily and Perfect
Money considers an opportunity to do advanced payments, also known as “Recurrent
payments”. Explanation of the way you can accomplish these tasks is provided
below.
Send Money to Friends
(Single Payment)
Single payments, unlike the recurrent payments, are for making payments once,
if you need to make payments monthly or even daily it is better to use the “recurrent
payment” tool.
To get started with the sending of your payment, visit the Send Money section
of the system and click on Single payment link being on the same line with the
account from which you need to send the money.
Then after you have chosen the account, you need to complete the payment form.
- Add the amount you want to send to the recipient;
- Add the account of the recipient;
- It is also recommended to add description of payment.
As soon as the form is completed press the “Payment preview”
button, to get your payment previewed.
Note:description will help you to keep in mind the direction and purpose of the payment.
Review your Payment and confirm your transfer. Press the “Send money”
button if everything which is correct, otherwise press the
“Edit” button to return and edit your payment details.
After accomplishment of your transaction, you will receive the transfer reference
number (batch). Every payment is assigned a Unique Batch number through which
you can track your transaction! All transaction details are available in the
statement section inside the Member Area. Get more details about the statements
in the corresponding part of this document.
Pay for Your Business (Recurrent Payment)
Recurrent payments tool will help you remember a deadline of making payment
to some hosting or any other service company which services are to be paid monthly
or even daily. Use the recurrent payment tool for your ease.
Get started by visiting Send Money section of the system and click on Recurrent
Payment link being on the same line with the account from which you need to
send money.
Now after you have chosen the account, you need to complete the payment form.
- Select a number indicating the date on which the payment should be made;
- Select period of payment. You can choose “Current Month” to make
payments only for this month or choose “Every Month” option to make
payments monthly;
- Add the amount you want to send to the receiver;
- Add the account of the receiver;
- It is also recommended to add description of payment.
The payments are made corresponding to the Calendar dates and period you have
chosen.
Note: Detailed description will help you to keep in mind the direction and purpose of the payment.
.
Review your Payment and confirm your transfer. Press “Save Recurring
Payment” button button if everything which is is correct, otherwise press the “Edit” button to return and edit your payment details.
After your transaction is complete, you can visit Send Money section and choose
“My recurring payments” to view your existing recurrent payment
details.
Note:You won't be able to see “My recurring payments”
menu if you have no recurrent payments.
Check your Recurring Payments
You can view your existing recurring payments by going to Send Money section
of Perfect Money system and clicking “My recurring payments”
link. Here is information on recurring payments set by you. You can edit or delete it at any time by pressing the corresponding buttons.
5. Currency Exchange
Exchange your existing currency within seconds. To arrange and complete exchange transaction visit Currency Exchange section in the Member Area.
To make exchange you need the following:
- Enter the amount you would like to convert into another currency;
- Choose the exchange direction you are interested in by selecting the accounts between which you want to make an exchange;
- Preview your exchange by pressing “Preview” button.
After pressing “Preview” button, a Preview Exchange page
loads. To complete the exchange, confirm the details you have entered and press
“Confirm Exchange” button, otherwise press “Cancel”.
6. Deposit funds
Perfect Money offers multiple ways for depositing of funds. Read the description
and ways through which you can deposit funds to your account.
All methods of deposits can be found in Deposit section in the Member Area.
Deposit Section
Choose a way to make a deposit to your account in our system.
You can use “bank wire”, “e-currency”
or “partners” to make a deposit. More detailed information
concerning the way of depositing is described below.
Check the transactions history, which shows the latest ten (10) actions made by you such as switch between, Pending, Complete or Canceled.
Bank Wire Deposits
Bank Wire deposit may be performed very simply.
You should fill in Bank Wire form with information on the bank wire account from which deposit is to be done.
To ease tracking of the wire transaction carried out by you it's recommended to provide as much information as it possible.
Press the preview button.
If the information you entered is correct, press “Send Bankwire”
button. After having got the message that your bank wire order has been successfully created, write down the invoice number.
Within 24 hours after the order, your bank wire deposit request will be reviewed
by our system moderators. You will get a reply regarding your request in your
Internal Mailbox.
Attention:Invoice number should be indicated
in "Wire memo" at making of wire transfer.
E-Currency Deposits
You can use your existing e-currency payment systems to exchange your funds
into Perfect Money funds.
To fund your accounts in our system there are merchants owing to which the funding
is done automatically.
Partners
Use these links to overview methods offered by our partners to fund accounts
of Perfect Money.
7. Withdraw funds
Perfect Money® offers multiple ways to withdraw funds from your account.
Read the description and ways through which it can be done.
All withdrawal methods can be found in 'Withdraw funds' section in the
Member Area.
Withdraw Section
Choose a way of withdrawing from your account. You can use “bank wire”,
“e-currency” or “partners” to make withdraw
of your funds.
More detailed information about the ways of withdrawing is described below.
Check the transactions history, which shows the latest ten (10) actions made by you such as switch between, Pending, Complete or Canceled
Bank Wire Withdraws
Bank Wire withdraws may be performed very simply.
You should fill in Bank Wire form with information on the bank wire account to which the funds to send
After having filled in all required fields press “Preview Withdrawal”
button.
Check correctness of the entered information and confirm your withdrawal order
by pressing “Confirm Withdrawal” button!
Within 24 hours after the order, your bank wire withdraw request will be reviewed
by our system moderators.
You will get a reply regarding your request in your Internal Mailbox.
Attention:The invoice number of your wire will appear after completion of withdrawal procedure.
E-Currency Withdraws
You can withdraw your funds from our system to any other e-currency payment
systems that we work with. That includes E-Gold, Webmoney, Pecunix.
Partners
Use these links to overview methods offered by our partners to withdraw funds
from accounts of Perfect Money.
8. Statement
In Statement section you can check all transactions ever made on your account.
Track your transactions by date or batch transfers. View Graphical description
of the activity on your account.
Choose the account which history you would like to lookup.
You can make a search through the batch number of the transfer or using (from -> to) dates, additionally you can choose what kind of action (create, cancel, send, etc.) you are looking for.
Viewing the chart of your account will get you a clear picture of your incomes and losses.
You can lookup daily or annually charts of your account progress. It's a great possibility to check on how your business is going in Internet
9. Internal Mail
Contact our Service Support by using Internal Mail that Perfect Money provides.
Check your inbox or history of your internal mailbox just by navigating through
the system.
10. Account History activities
Check all activities having been done within the whole period of your account existence.
You can even track a certain activity on certain dates just by using the tools
that are provided in history section of Perfect Money system.
11. Security and Profile settings
Any account modification can be made in Security section, starting from editing your first name and ending by setting all kind of security for access to your account.
Profile Updates
Update any details of your account just by changing the data in the Profile.
To save the data you need to enter the Turning.
Security Settings
Taking care of your security is the best way to keep out of any fraud activities. You never can be sure that your password for login was not intercepted by swindlers and that you are the only one who knows it. For that reason Perfect Money provides some powerful and well known security tools.
"Identity Check" - By using this tool each time that you are logging in from different PC or web-browser, an email will be sent to your email box to check your Identity. This email will contain a confirmation code, which should be entered
This email will contain a confirmation code, which need to be entered in.
"SMS Login" - Enabling the SMS login security tool allows you
to receive short message right on you Cell (mobile) phone, which contain the
security code for accessing to the Member Area when the user login in.
"Code Card" - The system will provide you with a graphical
Code Card with secret numbers. You will be asked to enter secret number each
time you try to do something important, for example transfer funds, or change
security settings. The Code Card is an image that can be saved or printed on
any Computer.
