Qiwi is a payment service, that is used for paying for diferrent everyday services such as mobile communication and housing services, bank loans etc.This service provides either payments in cash and payments on the Internet . Qiwi works in 15 different countries, including Russia, Ukraine, Kazakstan, Moldova, Byelorussia, Tadzhikistan, Rumania, China, Panama, Malaysia, Argentina, India, Kirghizia, Serbia, Latvia and Republic of South Africa.The user must create and register his account in "Qiwi-Wallet", to pay for services on the Internet.