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.
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