Qiwi is a popular electronic wallet that provides QR‑code based payments at thousands of retail locations. Foreign users can register with a passport and a Russian mobile number, then fund the wallet via bank transfer, foreign card, or cash at Qiwi kiosks. The service offers a virtual card that can be used for e‑commerce across the country. Transaction fees are modest for domestic transfers but higher for top‑ups with foreign cards. Qiwi also supports utility bill payments and public transport ticket purchases.