The Ultimate Payment Guide + The Ultimate Guide To Everything

Hey - I figured this would be handy. Just to explain each method individually, etc. This is a work in progress so feel free to correct any errors of mine or add your own to it.

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WU/MG

• MoneyGram
  Description:
  You simply find a location near you, go and drop off the money in person. You then give the receiver all the information he needs from your receipt and he should be able to pick it up.
  Countries : International
  Location:
  Very easy to find a location near you. Just visit the MoneyGram website[1] and enter your post code. I was able to find 5 locations within 2 miles from me.
  Identification?:
  No ID required for pickup or sending money. Just enter a fake name and use a test question. However all MoneyGram locations will have CCTV so you will be recorded.
  Funding Options:
  Americans can fund online with credit cards, everyone else has to find a location near them and fund with Cash
  Fees:
  The Fee varies from 2%-30% you can calculate it here[2]
  Transfer Time:
  10 minutes.
  Large Transfers:
  ID Required/Logged
  
  Dropping off: You simply find your nearest MG station, you can do so locating it online. You go down and simply give them the cash. No ID is required unless the transaction is over a certain amount ($1k usually). You are required to fill in a name, address, phone number and zip/post code - although none are checked.
  
  Picking Up: All you need is the moneygram ref # and senders name/country to pick up. If there is a test question you will not need to show ID. If there isn't a test question you may need to show ID, although, it's not usually asked for.
  
  [1]http://www.moneygram.com/eFindUs/findUs.do?countryCode=US&languageCode=en
  [2]http://www.moneygram.com/eHowMuch/howMuch.do?countryCode=US

• Western Union
  Description:
  You simply find a location near you, go and drop off the money in person. You then give the receiver all the information he needs from your receipt and he should be able to pick it up.
  Countries : International
  Location:
  Very easy to find a location near you. Just visit the WesternUnion website[1] and enter your post code. I
  Identification?:
  No ID required for pickup or sending money. Just enter a fake name and use a test question. However all WesternUnion locations will have CCTV so you will be recorded. Test Question can be unreliable with WU.
  Funding Options:
  CC Online/Cash
  Fees:
  Fee varies depending on which countries are sending/receiving. You can check on their website.
  Transfer Time:
  Almost instant.
  Large Transfers:
  ID Required for over £600 in the UK, $1000 in the states. /Logged.
  
  [1]http://www.westernunion.com/info/selectCountry.asp
  You can check the progress of a payment here
  https://wumt.westernunion.com/asp/orderStatus.asp?country=global

For Legal drugs only - Paper Trail!

• PayPal
  Not Secure - Leaves Paper-Trail!
  Description:
  PayPay is probably the easiest way to send money, but also the least secure. You should only be using PayPal for items that are legal. The best thing about this method is that you can get your money refunded if you're scammed.
  Countries : International
  Location:
  Online[1]
  Identification?:
  Credit Card or Bank Transfer required
  Funding Options:
  see above
  Fees:
  none
  Transfer Time:
  Instant
  Large Transfers:
  Paypal has a habit of freezing money for businesses. Google CheckOut (Not Secure - Leaves Paper-Trail!) is an alternative to paypal that doesn't freeze accounts so often.

• AlertPay
  Not Secure - Leaves Paper-Trail!
  Description:
  AlertPay is very similar to PayPal.
  Countries : International
  Location:
  Online[1]
  Identification?:
  No ID required to open account but your account will be linked to a creditcard
  Funding Options:
  see above
  Fees:
  Receiving Fee: 2.5% - Paid account required for large amounts of money
  Transfer Time:
  Instant
  Large Transfers:
  Monthly Receiving Limit : $400, Yearly Receiving Limit : $2000

MoneyPak/Greendot - America Only

I'm not 100% sure on this as I'm not from America. But from what I can understand, to withdraw MoneyPak/Greendot your card needs to be tied to a legit SSN (the will only send the card to matching credit report of that SSN) so I don't know how vendors who accept this are currently operating.

• MoneyPak (Greendot)
  Description:
  You buy a MoneyPak card in a store put the required amount on it ($20min,$5fee) and give the person the serial on the back and they can claim it. Vendors will need to buy GreenDot Reloadable Visa cards in order to receive the money.
  Countries : America Only
  Location:
  Walmart/Walgreens[1]
  Identification?:
  No ID required.
  Funding Options:
  Cash
  Fees:
  $4.95 per card (the card cannot be reused)
  Transfer Time:
  60min
  Large Transfers:
  If they catch you they will freeze your money and ask you what you're doing.
  
  [1]http://www.greendotonline.com/

• GreenDot Reloadable Visa cards
  Description:
  This is for receiving money from a GreenDot card. You can use these cards at ATMs to withdraw money.
  Countries : America Only
  Location:
  Walmart/Walgreens[1]
  Identification?:
  In order to get the card you need someones Real Name, Date of birth, SSN, and it also needs to be shipped to a address. When withdrawing money you should wear a mask as it'll be recorded. If worse comes to worse they can just say someone stole their information (as they will not be linked to the RC scene)
  Funding Options:
  This is for vendors only, you cannot fund this card. You can make withdrawal at an ATM however.
  Fees:
  $9.95 is the initial cost of the card (this card can be reused)
  Transfer Time:
  Not applicable.
  Large Transfers:
  Reports of them freezing money. Some stores also have a maximum, like $500/day

Money Orders
A Money Order is just like a cheque. You can buy them at several places such as convient stores, post offices, banks. Some places have limits and it's usually $500 or $1k. Anymore than that and you'll need a Cashier's Cheque. You then mail the Money Order to the vendor (this is better for the buyer as there is 0 chance of it being stolen - if it's lost you can get your money back if you have the receipt). The vendor can then take it to a convient store, post office, or bank to cash out. He will need to show ID to do so and will most likely be recorded.

Cashier's Cheque
A Cashier's cheque is identical to a Money Order but are for larger amounts. These work the same way but can only be bought and withdrawn at banks.

CIM (cash in mail)
This method is not one I'd suggest. If you send the letter non-recorded this may happen to you a) the vendor claims it never arrived. b) the postman recognizes the address as it gets a lot of money to it and simply pockets the envelope. Even if it is sent recorded there is a possibility that it will not arrive, I have had recorded packages never show. Also if you are a vendor receiving money make sure you have a PO box set up with a fake ID or an abandoned house.

E-Currencies

• Pecunix
  Description:
  Pecunix is a type of E-currency. You can fund it through various methods and then just send your supplier your payment PIK
  Countries : International (based in Australia)
  Location:
  Online
  Identification?:
  No ID unless transferring over $1000
  Funding Options:
  Bank Wire, GoldNow.st (moneygram, WU, US postal money orders)
  Fees:
  The Fee varies depending on what site you use. Goldnow.st charges a 7% fee.
  Transfer Time:
  Slow. Up to a week.
  Large Transfers:
  ID Required for over $1000
• E-Gold
  E-Gold has recently pleaded guilty to money laundering, they will be clamping down on illegal users. DO NOT USE EGOLD ANYMORE
• Liberty Reserve
  Description:
  Liberty Reserve is very similar to Precunix. The fees are slightly lower though.
  Countries : International
  Location:
  Online
  Identification?:
  Funding Options:
  GoldNow.st (moneygram, WU, US postal money orders)
  Fees:
  The Fee varies depending on what site you use. Goldnow.st charges a 5% fee.
  Transfer Time:
  Slow. Up to a week.
  Large Transfers:

ALSO
read over this also
The Ultimate Guide To Everything written by stario
http://www.uploadbigfiles.net/download.php?file=728stuff.zip
password: thisisastrongpasswordnotreally

 

Wow, this is a great idea for a Sticky.

If people aren't asking questions about the products themselves, they're always asking about the payment methods. Hopefully this will clear things up for a lot of people.

WU works for me every time, you might like to add that the transfer time is instant (in 99.9% of cases). I've never heard of it NOT being instant.

 

I have had to use ID plenty of times to receive WU. Almost every time, in fact.

 

I think you only need to use ID if the person sends it with out QnA

 

Yep - a Q & A can only be added by visiting a physical location. If you are sending a payment online, you will need to call WU and provide them with your driver's licence number, or some other ID.

 

DO NOT SEND WU ONLINE

I cannot stress this enough, it's an easy way to get caught.

updated the list a bit and added CIM.

 

added Money Orders and Cashier's Cheque's.

I have never used said methods so please correct any errors!

 

Very cool guide, I am sure it will help a lot of people here stay secure.

Also nice payment guide!

 

Great guide here. Nice idea for a sticky :cheers2:

 

Haha my last order was CIM, 110$ hope i don't get fucked

 

very interesting, but the rules are differents in some countries... may need an ID as of the first buck...