在俄罗斯，支付现金仍然是常态——即使在莫斯科和圣彼得堡等大城市也是如此。这是由于对在线支付的普遍不信任以及对银行系统缺乏信任。但是，对于那些喜欢在线支付的人来说，有多种选择。
In Russia, paying cash is still the norm – even in large cities such as Moscow and St. Petersburg. This is due to a general distrust of online payments and a lack of trust in the banking system. However, for those who do prefer online payments, there are several options available.
Qiwi 钱包是俄罗斯最大的第三方支付工具之一。这种电子钱包类似于支付宝，为用户提供多种支付方式，包括银行转账和在线支付。该应用程序还提供了一张虚拟借记卡，用户可以从他们的 Qiwi 账户中充值。该应用程序还允许用户支付水电费和其他服务费用，这对于那些寻求一站式服务来满足其支付需求的人来说是一个有吸引力的选择。
One of the largest third-party payment tools in Russia is Qiwi Wallet. This electronic wallet is similar to Alipay and offers users a variety of payment options, including bank transfers and online payments. The app also offers a virtual debit card that users can load with funds from their Qiwi account. The app also allows users to pay for utilities and other services, making it an attractive option for those looking for a one-stop-shop for their payment needs.
俄罗斯另一种流行的第三方支付工具是 Webmoney。与 Qiwi 钱包不同，Webmoney 可在全球 70 多个国家/地区使用。该应用程序提供多种支付方式，包括银行转账、在线支付，甚至在合作的自助服务亭进行现金支付。
Another popular third-party payment tool in Russia is Webmoney. Unlike Qiwi Wallet, Webmoney can be used in over 70 countries worldwide. The app offers a variety of payment methods, including bank transfers, online payments and even cash payments at partnered kiosks.
Yoomoney 是俄罗斯另一种流行的在线支付工具，目前由互联网巨头 Yandex 所有。该应用程序为用户提供了多种支付方式，包括水电费支付、网上购物，甚至点对点支付。
Yoomoney is another popular online payment tool in Russia, currently owned by internet giant Yandex. The app offers users a variety of payment options, including payments for utilities, online purchases and even peer-to-peer payments.
尽管有这些选择，在线支付仍未被俄罗斯消费者广泛接受。在俄罗斯在线市场 Avito 进行的一项调查中，80% 的受访者表示他们更愿意用现金支付。然而，这种偏好正在慢慢改变。据俄罗斯中央银行称，2020 年，俄罗斯的网上购物增长了 40%。
Despite these options, online payments are still not widely accepted by Russian consumers. In a survey conducted by Russian online marketplace, Avito, 80% of respondents said they prefer to pay in cash. However, this preference is slowly changing. According to Russia’s Central Bank, in 2020, online purchases in Russia increased by 40%.
这些支付方式的不同之处在于它们的易用性和安全措施。 Qiwi Wallet 允许用户选择在他们的账户中添加 PIN 码、指纹甚至面部识别，以帮助防止欺诈。 Webmoney 还提供类似的安全措施，包括双因素身份验证和个人数字签名。
What sets these payment methods apart is their ease of use and security measures. Qiwi Wallet allows users the option to add a PIN code, fingerprint or even facial recognition to their accounts to help protect against fraud. Webmoney also offers similar security measures, including two-factor authentication and a personal digital signature.
总之，虽然现金在俄罗斯仍占主导地位，但 Qiwi 钱包、Webmoney 和 yoomoney 等创新支付工具为俄罗斯人提供了一种安全且易于使用的在线支付选择。随着安全措施的不断改进和消费者更多地采用在线支付，有一天我们甚至可能会看到俄罗斯的无现金未来！
In conclusion, while cash still rules in Russia, innovative payment tools such as Qiwi Wallet, Webmoney and yoomoney offer Russians a secure and easy-to-use option for online payments. With continued improvements in security measures and greater adoption of online payments by consumers, we might even see a cashless future for Russia someday!
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