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On any market there are many companies suggesting similar services. One can find this feature in the sphere of finances, in entertainment and rest sectors and so on. The market of electronic payment is not an exception here. For constant and purposeful development it is necessary always to keep its main competitors in sight. It is also concerned Perfect Money. This article is divided to such companies which compete for the right to be the leader in this sphere.

WebMoney transfer is the company which appeared on the electronic payments market in 1998, November. It provides payment realization in real time using registration units. Management of these units is possible due to a client program WM Keeper. In money transfer one use purses of the same type, and a transfer of different title units makes in change points. The guarantor of WMR-work is “BMP”, the company who represents WebMoney Transfer on the Russian market and Amstar Holdings Limited, S.A. guarantees WMZ- and WME-work.

Yandex.Money is the joint project of Yandex and a grope of companies “PayCash”. It began to work from 2002, 24 July and in 2002 this project got first in Russian history bank certificate of Internet payments. Among the greatest companies working in the sphere of telecommunications one can name “МТС”, “Билайн”, “Мегафон”, “Енисей-Телком”, “Дельта-Телеком”, “Корбина Телеком”, “Зебра Телеком”, “Комбеллга, Комстар”, “Петерстар”, “Релком”, “Роснет”, “Ростелеком” and a lot of companies providing hosting and Internet access services. In 2005 on the electronic market appeared new update version of the system where it is not necessary to use the program “Internet purse”. Payment management is carried out by web-interface. Such method allows working with an account o n any computer without transferring necessary files. Developers of the electronic system gave an ability to repeat payments what is comfortable for using services with regular user’s payment.

“Рапида” is the next competitor of Perfect Money system. It appeared on the market of internet payment systems in 2001, September. During its first year in the sphere 30 Russian banks began to co-operate with this company. Among them “Банк Москвы”, “БИН-банк”, bank “Глобэкс”, “Московский индустриальный банк”, “Мосстройэкономбанк”, “Юниаструм Банк” and others. Using payment services of the system banks organizes in their offices acceptance of payments of popular trade and service firms in on-line regime using technologies of “Рапида”, and also they realize pre-paid card of this company.

A system E-port started to work in 2000. Its work is based on usage of universal pre-paid “e-port card”, with could be as plastic as virtual. One can get and fill up such card on the website www.e-port.ru, in agency e-port system and also using bank transfers or other send money online.

The system CyberPlat was created in 1997 as the inner sector of “Платина” bank. In 1998, November this system made its first transaction of user’s payment of cellular transmission (“Вымпел-коммуникации”). In 2000 ОАО “CyberPlat.com” appeared with the main office in Moscow. The work of CyberPlat is connected with payment processing and document turnover in real time. The company’s product is universal integrate multibank payment system CyberPlat where one use such technologies as CyberCheck and CyberPOS. CyberCheck is the system of transaction service of clients which are registered in internet payment system CyberPlat.

CyberCheck provides confidentiality, safety and legal clearness of co-operation between partners and also absolute absence of refusals from announced payments. The system’s user can make purchases in internet shops and pay for them by Internet in on-line regime, using bank account or bank credit card registered in the system; and also he/she can receive payment results. CyberPOS is the payment service system of plastic cards of different international and Russian electronic payment systems such as Visa, EuroCard/MasterCard, Diners Club, JCB, Union Card and also e-port cards.

At the end of our article we want to note that Perfect Money internet payment system has very strong competitors on the market of electronic finances in CIS. We mentioned only several of them. Actually the number of such companies is much bigger.”

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