Probably everyone has already heard about cashback, but not everyone has figured out how to use it. The purpose of the article is to fill in the existing “gaps”, help you understand the principles of operation of a popular service, and subsequently benefit from its use.

It is worth noting that cashback is not a scam or a scam. The emergence of this option is caused by high competition in the market and the desire to attract additional customers. Against this background, new cashback services are being created that allow you to save on purchases, and convenient and profitable cards with the “Cashback” option of the same name are being issued. But more about everything.

What is the essence?

First, let's figure out what cashback is. This innovation first appeared in the banking sector in the early 90s of the last century. Western financial institutions, in order to attract customers, issued cards with the possibility of returning from 1 to 5% of the funds spent. The promotions applied to a limited number of purchases made at pharmacies, gas stations and grocery stores.

Banks in the CIS countries did not immediately master the new technology, so today such a service is offered by a limited number of financial institutions - Avangard, Tinkoff, Vneshtorgbank and others. You can choose from one of two options - a debit or credit card, and the amount of refunded funds is no more than 3-5%. Sometimes we are not talking about “pure” money, but about points that can later be spent on any goods.

In other words, cashback on bank cards is a service that involves returning a certain percentage of the amount spent to the buyer’s account. The amount of this amount is set individually by each bank and may change. In most financial institutions, the figure does not exceed 1% of funds spent.

To beat large competitors, small banks offer better conditions and a higher cashback percentage, which can reach 2-3%. The downside is that such “benefits” do not apply to all purchases, but only to partner outlets - restaurants, gas stations and others. Each bank has its own list of places where you can use the service.

With the growing popularity of the cashback option, portals began to appear on the Internet, allowing users to save money on purchases. The peculiarity of the sites is that they immediately provide information regarding the money saved and guarantee the return of a certain percentage of funds when making a purchase. Some services work on a different principle and offer payment only of a fixed amount, regardless of the amount of money spent.

The received discount can be withdrawn to a bank card or virtual wallet on the Internet - Qiwi, Yandex.Money or WebMoney. Often such sites conduct “multipolar” activities, that is, they not only provide discounts for visitors, but also allow them to compare products, study comments and reviews of other users. As a result, the visitor solves two problems at once - he receives a refund of a certain amount and chooses the most suitable product.

The main requirement of the services is the presence of a certain amount in the account, the amount of which may vary depending on the site. As a rule, strict conditions are not set here, and in most cases one ruble is enough.

How it works?

The principle of operation of the service is clear even to novice Internet users who decide to make a purchase. The action algorithm is as follows:

1. Decide on a resource that offers the greatest discount and cooperates with the required store.
2. Select the appropriate product, add it to your cart, and then pay the stated price. Please note that payment is made immediately, that is, before receiving the goods.
3. The online store that sends the goods transfers a certain amount to the aggregator site (the buyer receives part of it).

The returned funds are credited to a virtual account, which must be selected at the registration stage. The time for crediting money ranges from 24 hours to 1.5 months. It is unlikely that it will be possible to speed up the process, because this is due to the peculiarities of the banking system and its focus on security.

To find out whether money has been credited to your account or not, you need to go to your personal account on the aggregator website. The interface on different sites is usually the same. The user sees two amounts - the amount of funds that must be returned, as well as the purchase price. As soon as the agreed amount is credited to the account, the user receives a corresponding notification by e-mail. There are many such sites operating in Russia, so there will be no problems with the choice.

Pros and cons of refunds

If we consider the cashback option from the buyer’s perspective, we can highlight only positive features:

• Refund of part of the money spent when making a purchase.
• Almost instant receipt of funds (if we are talking about a bank card).
• Providing real savings on frequent purchases.
• Encouraging credit card users to switch to non-cash payments. As a result, greater transparency of the financial market is ensured.

Despite the undeniable advantages, the Cashback option also has a number of disadvantages:

• The list of retail outlets where you can make purchases with a guaranteed refund of part of the funds is limited. A person does not have the opportunity to choose the store that is closest.
• The presence of a return function is a kind of “drug” that forces you to make more purchases in order to receive higher discounts in the future.
• Bank cards with a refund option require a higher service fee, which, if the cashback function is rarely used, reduces the existing benefit to “no”.
• If the option is enabled on a credit card, the interest on the loan will be slightly higher by default, which will also offset the savings when making a purchase using credit money.

After considering the theoretical part, it’s worth moving on to practice and highlighting the best cashback cards in 2017. Let us immediately note that the number of cards with this option in Russia is in the dozens, so the main goal when choosing is to obtain the highest percentage of return. In addition, the proposed cards can be issued online, which creates additional convenience for users.

So, let's look at the best options:

• "Alfa-Bank - Cashback 10%". The leader in issuing cards with a cashback option is Alfa-Bank, which is considered one of the youngest and most promising credit institutions. A user of Alfa-Bank - Cashback 10% can count on a 10% return when paying for goods at a gas station and 5% when purchasing catering products. Other purchases come with a 1% refund. You can apply for a debit card online. Its release is free, and the cost of maintenance is 1990 rubles per year.

Delivery of “plastic” is carried out to any branch throughout the country, and in the capital (within the Moscow Ring Road) it is completely free. The grace period for this card is two months. Features include the possibility of replenishing without commission, free SMS notifications and mobile banking. The user is also credited with 7% on the account balance.

• "Alfa Bank - Crossroads". The peculiarity of this card is that you can return part of your money when making purchases in supermarkets. There is a bonus program here, according to which for every ten rubles spent the user receives a return equal to 3% of the purchase. At other points that are not on the special list, only 1% is returned. The card is issued free of charge, but you will have to pay 490 rubles for the year.
• "Tinkoff BlackPlatinum". The peculiarity of “plastic” is the return of up to 5% of the money spent (but for a certain list of stores). This is a convenient bank card even for those people who are not interested in cashback. It provides free interbank banking, transfer of funds to other plastic cards without commission, as well as the opportunity to avoid service fees.

The high level of cashback is personal. This means that the financial institution determines the amount of the discount taking into account the interests of the client. In some retail outlets, 5% of the purchase price is returned, and in others - 1%. Payments are made in national currency, which is very convenient for users and eliminates the need for conversion. Returned funds are immediately credited to your account and are ready for use.

Issuing a card is free, as is the first month of using plastic. Subsequently, using the card will cost 99 rubles per month. If the account has more than 30 thousand rubles, no service fee is charged.

• "Tinkoff - Aliexpress"- a special type of plastic card, “tailored” for purchases in the large online store Aliexpress. When making purchases at this outlet, 5% of the amount spent is returned. When paying by card in regular stores, only 1% is returned. The advantage of “plastic” is that cashback is accrued for all purchases, including gift certificates. It is worth noting that it is not money that is returned to the account, but bonuses that can be written off when making purchases.
• “Benefit” from Home Credit. The peculiarity of a plastic card with cashback is a return of up to 10% of funds when making a purchase at one of the retail outlets that are partners of the bank. If the user spends money at gas stations, cafes and restaurants, you can count on a 3% return, and for other purchases - 1%. An interesting point is that part of the money is returned even when paying for the services of mobile operators, transferring funds for housing and communal services or the Internet. Cashback is paid in points, which are easily converted into regular money. However, there is no limit for converting funds. All manipulations are carried out through your personal account, as well as in a special section on the banking institution’s website.

​The number of profitable products for banking clients is growing. At the same time, another direction is developing - aggregator sites, which were mentioned above. Below we will look at the best cashback services in Russia, offering the greatest discounts, which are easy to use and reliable.

When compiling the rating, the following parameters were taken into account - the number of online stores with which the service cooperates, the availability of additional bonuses after registration, the number of ways to withdraw funds (the more there are, the higher the site in the rating), the minimum amount for withdrawal, as well as the size cashback when making purchases.

The best cashback services in Russia include:

1. Letyshops is one of the most popular cashback services, which is in particular demand among Russian residents. The site developers tried to create a universal resource that would allow you to receive refunds from the largest number of stores. They completely succeeded. Today Letishop cooperates with almost 1000 retail outlets operating not only in the CIS, but throughout the world.

First you need to register on the site, for which you just need to indicate your e-mail and login. Afterwards, the system will ask you to confirm your mailbox and enter some data - gender, date of birth and others. You can immediately select several stores where you plan to make purchases.

After completing registration, you need to install a browser extension to quickly find out which sites provide bonuses and in what volume. After installing the plugin, the browser must be restarted.

The profile and returned money are managed through your personal account. It is worth noting that there are several account levels, the type of which determines the percentage of funds returned.

To count on cashback, the user must go to the store through the service page. However, the refund option does not apply to products sold on promotion.

1. . Today, Kopikot is considered one of the most convenient and accessible cashback services in Russia. Refunds are processed in three simple steps. First, the user selects a store, makes a purchase and receives a certain amount back. To be guaranteed to take advantage of cashback, you must adhere to a few simple rules - do not use other bonuses and discounts, apply only those promotional codes that were sent by this service, and also make purchases through Copicot. When making transactions via phone, you only need to use the browser version of the service. In addition, if Incognito mode is enabled on your PC, the purchase will also not be counted.

If you purchase goods from an Aliexpress, Ozone or Bon Prinx store, you can expect a refund of up to 5.5%. Interestingly, a number of services offer larger cashback of up to 8% for the same online stores. In other retail outlets of the Network, the return rate is lower. For example, in the Adidas store - 5%, in Daughters and Sons - 3%, in Sportmaster - 2.5%, and so on.

1. EPNCashBack is a service that has been operating since 2015. From the first days of opening, he earned a reputation as one of the best partners of the Aliexpress online store. The rebate rate is 4.5%, and for purchases via mobile phone - 2.2%. But this is not the limit. If you participate in promotions and use promotional codes, the return percentage may be higher.
2. Biglion. The well-known coupon site Biglion has been providing the Cashback service since November 2017. Today, the percentage of returns from purchases is one of the highest! The service is constantly working to expand its network of partner stores. Therefore, shopping becomes more profitable every day! Biglion cooperates with more than 800 Russian and foreign online stores, including Aliexpress, Booking.com, Samsung, M-Video, Gear Best. The site has a quick search for partners. Thanks to this, you don’t have to spend a lot of time browsing through all partner online boutiques.

In addition to Aliexpress, EPN also works with other online platforms - Banggood (4.5-5%), Ozone (4-10%), Asos (5%), GirBest (6%) and others. The advantages of the service include direct cooperation with online stores, fast calculation of refunds, availability of all popular withdrawal methods, the ability to make purchases using a smartphone, and much more.

In addition to those already listed, it is worth highlighting a number of other cashback services - Alibonus, Megabonus, Cash4Brands and others.

Results

The benefits of the cashback option are difficult to overestimate. With its help, you can make purchases in popular online stores or regular retail outlets, counting on getting a refund of part of the money spent. The main thing is to carefully choose a suitable card or special service that offers the best conditions for clients.

Rating and comparison of the best cashback services in all respects. Find out which cashback service is the best and feel free to place orders through it. The rating includes 8 popular cashback sites that meet all reliability criteria and enjoy authority among online shoppers. Make your choice quickly and easily.

We present the TOP 8 best cashback services in 2018 and 2019. Now you don’t need to search and compare dozens of sites and register on them. We have compiled a rating of cashback sites (a complete comparative description of proven and most reliable resources).

This cashback ranking was compiled based on our own experience, studying open reviews on the Internet and details of sites that provide services for returning part of the money for purchases made in online stores. Now you don’t have to wonder which cashback service to choose. We did this for you. Choose one of those presented in this current rating.

Cashback service – how not to make a mistake and choose the best one?

So you've decided to spend less, but which service should you choose to get the maximum return? The difficulty is that on the Internet you may encounter fraudulent sites that lure you with high interest rates and instant money payments. To protect yourself from unexpected losses, you need to know the rules for choosing a cash back service.

Rule #1.

Register only on reliable resources. The most well-known and popular sites that provide refunds include:

Rule #2.

Pay attention to the interest rate. You don’t always have to chase those offers with the highest bid. This may be done to attract people, but in fact you will be paid a very small amount of cashback, or you will not receive anything at all. Only in the case of the cashback service the interest rate reaches 90%. This is not a scam, there really are such payments.

Be wary of services that offer significantly higher interest rates than other similar sites.

Rule #3.

Read the terms and conditions for refunds and work rules. Tempting offers can hide many unpleasant nuances: an unusually high threshold for withdrawing money or a very long process of transferring money to your account.

Rule #5.

Explore the available ways to transfer your earned money. Popular cashback sites offer at least four withdrawal methods (among the most popular are bank cards and electronic money).

Attention! Some services charge a commission for transferring cashback to your personal account! Be careful!

Best cashback services: TOP-8

You may not need detailed information about all the sites included in our rating. But you want to quickly find the best cashback service and register there. Based on the assessments and experience of a large number of users, you should definitely choose the following:

You can register right now in one of these. If a rating was compiled called “Top 2 cashback services,” this list would look exactly like this. But we expanded this list, looked at possible options and selected the 8 best among them.

LetyShops – choice #1

Letishops – a service that combines reliability, benefit and ease of use. This resource is included in the top rating.

The site is designed taking into account the needs of the user - a user-friendly interface, bonus programs and high interest rates. By using, you get the following benefits:

1. Simplified registration. The site is designed “for the convenience of people,” so the registration stage will not take much time. Just enter your email address, password or register through social network buttons.
2. Bonus program. After registration you can connect for free Premium account, which is valid for a week. It increases the interest rate by as much as 30%.
3. Favorable discounts. During holidays and on weekends, the service provides Lety codes that allow you to save even more!
4. Promotional program. Every day, profitable offers appear on the main page of the resource that will interest everyone.
5. The “Refer a Friend” referral program is a unique opportunity to create passive income. To do this, just bring your friends and receive 15% of the amount they earn.
6. Confidence that you will receive your refund in 100% of cases and in a convenient way.
7. Fast withdrawal of funds. An application for withdrawal of money is considered within 3 days, and the minimum withdrawal threshold is 500 rubles.

Note! To simplify the process of receiving cashback, you can install the extension on your computer.

EPN Cashback – leader No. 2

There is another argument in favor of these two sites. Compared to other competitors, they are very active. Contests with valuable gifts are held on their social networks. For example, cars were recently given away in both cashback services. In their groups on VKontakte and Instagram they constantly launch prize draws. In one of these competitions I won a Xiaomi fitness bracelet. All you had to do was join the community and repost the post on the wall.

Therefore, choose Letishops and EPN. And you will definitely be happy with your choice!

How to get cashback on Aliexpress? You need to access Aliexpress through special sites, and in this article we will tell you in detail how to do this.
From services you can get cashback of up to 7.5% in Aliexpress and up to 10% and even up to 20% in many other stores.
Hundreds of stores and websites for booking, education, insurance and other areas provide refunds on purchases.

In our article you will always find up-to-date information and the percentage of returns on Aliexpress in 2019.

Cashback literally means “cash back” in English. Who returns the money and for what? It's simple: cashback services reward their users for purchases made with their help in certain online stores.

Of course, this is not an attraction of unprecedented generosity, but a well-established bonus scheme “buyer - intermediary site - store”, beneficial to all three participants. The seller receives a ready-made client, the cashback service receives income and a regular visitor, and the buyer receives the opportunity to save big.

How to choose a cashback site?

It's no secret that many Internet companies, including Aliexpress, are willing to pay to attract customers. And they do this regularly: for every real buyer who follows an affiliate link, the cashback site receives a commission. In turn, he shares the earnings with the user: he returns some part of the order amount to him. All that is required from the buyer is to register in the service and access their favorite online stores through it.

Please note that for products from the TMALL category that Aliexpress places on the first pages and which are delivered from Russia, all services accrue a reduced cashback of 1 - 2% with a long delay and only if you go there directly from the service.
In addition, prices for the same goods are always higher there. For example, Xiaomi RedMI 4X 32 GB in TMALL costs 12,999 rubles, while Chinese sellers offer it for 7,500 rubles.
Taking this into account, we recommend ordering goods from China - it turns out to be more profitable.

Aliexpress, as the largest online trading platform, cooperates with many cashback sites. Experienced Internet shopaholics enjoy using several at once. But there is one important nuance: one order - one service, and which one of them - see where it is more convenient and profitable.

Review of the best cashback services

There is no point in registering on all the sites that offer cashback on Aliexpress. The mechanism of their work is approximately the same, but not all can boast of generosity and reliability. Choose proven services that will not deceive you and will honestly credit you with the bonuses you have earned.
General rule for everyone: the maximum cashback for one order is $40.
If you are a wholesale buyer, split your purchase into several orders.
We present to you the TOP 3 best cashback services from Aliexpress.

No. 1. Letyshops

A universal cashback site for online shopping lovers. Among its partners for 2019 are more than 1,000 stores for every taste.
As for the cooperation between Letyshops and Aliexpress, provided that they use almost constantly valid lety codes, it brings users savings of up to 7.5% or more when purchasing goods from the categories - mobile accessories, clothing, interior items and garden supplies.
When purchasing goods from the Electronics category, cashback will be up to 2.25%.
Purchasing products from other categories will give you a return of up to 4.5%.
The average waiting time for cashback is 33 days.

If you buy goods and services not only from Aliexpress, but also from other stores and services, then this is the most convenient solution because of its versatility.
You can get cashback on almost all possible goods and services in one place.
After registration, you should install . Then, you will not only receive a refund of part of the money for your purchase from the service, but also see the dynamics of changes in the price of the desired product and check the reliability of the seller before purchasing.

Advantages of the service:

• the largest selection of stores;
• extensive experience, many satisfied clients;
• a nice bonus for new clients of the service - increased cash back by 30% on orders in Aliexpress and other stores in the first 7 days after registration;
• the most useful and convenient browser extension;
• receiving cashback when purchasing through the Aliexpress mobile application;
• there is no withdrawal fee;
• money can be transferred to Visa, MasterCard bank cards, mobile phone account or electronic payment systems;
• There is a loyalty program for regular customers;
• periodic, increasing the percentage of returns on Aliexpress to 7.5%, in other stores - cashback up to 30%;
• prize draws during promotions;
• Full cashback is awarded for all purchases;

Disadvantages of the service:

• this service has no significant drawbacks

No. 2. ePN Cashback

Pros of the service:

• a large selection of ways to receive money - Yandex, Qiwi, Webmoney, mobile phones and bank cards;
• many years of work experience;

No. 3. Cash4Brands

By using, you can get a fairly large cashback on Aliexpress - up to 7%.
Immediately after registration, you will receive the highest CashPremium status and 7% cashback on mobile accessories, clothing, interior items and garden supplies (on electronics - 2.1%, everything else - 5%), but only for two days. After that, everything will depend on the level of earnings in the program.

The basic cashback level for most Aliexpress products is from 1.5% to 5% depending on the product category, but it can be increased by simply making purchases in stores and earning cashback.

The maximum level - CashPremium can also be purchased for 150 rubles per month.
The minimum amount for withdrawal is from 1 rub. You can withdraw it to electronic payments: Webmoney, Qiwi or Yandex wallet. When withdrawing money to your mobile phone balance, you need to accumulate 15 rubles, to a bank card or PayPal account - from 500 rubles.

Disadvantages of the service:

• it's hard to achieve CashPremium status

We have dedicated Cashbrands to the service, all the details are described there.

Results of our review

* - when using Lety codes
The services mentioned in our article are objectively the best of all currently available on this market.
All of them have an excellent reputation, several years of successful work without significant complaints and allow you to withdraw minimal amounts earned.

You can register in all of them, but you won’t be able to buy through all three at the same time; you need to make a choice.
Personally, I prefer to use .
The fact is that the advantages of this service over others are very significant.
What are these advantages:

• A very convenient and useful browser extension. Not only will you automatically receive cashback for your purchase, but you will also be able to check the seller’s rating and the dynamics of changes in the price of the product. This will allow you to understand whether there really are discounts.
• Largest selection of stores. By registering once you get a refund for purchases not only in Aliexpress, but also in MVideo, Ozon, Booking, Svyaznoy, Ebay, Yulmart, iHerb, Sportmaster, LEtual, Megafon, Beeline... almost all more or less large stores selling online are presented there. It is very comfortable. Moreover, in some stores, the return on purchases is 10% - 20%;
• Promotions with prize draws. Letishops is like a friend who wants to please you and cheer you up. For all major events, promotions and holidays are held, in which in a couple of clicks you can get a chance to win prizes.

Whatever cashback service you choose, I wish you good savings in Aliexpress and other stores and will be glad if the materials in this article help you.

How to always buy with cashback?

So, you've looked at the product and decided to save money on your purchase. To get Aliexpress cashback, it is important to follow the basic recommendations:

• be sure to go to the store through a cashback site or with the browser extension of your chosen service enabled;
• It is advisable to install the plugins offered by the service;
• third-party extensions, including Adblock and other ad blockers, must be disabled;
• do not use incognito mode;
• do not close your browser until you place an order;
• add purchases to the cart after leaving the service, and not before;
• To select products in advance, mark them as favorites;
• place an order only online: by phone, mail or through a consultant - it does not count;
• do not use third-party coupons, promotional codes and bonus programs;
• It is better to do all these manipulations from a computer - data on transitions from smartphones and mobile applications is more often lost.
• for purchases in Russian stores from the Mall category, a reduced cashback is awarded, and with a delay and not in all cases, buy goods only from Chinese stores

Usually, these precautions are enough to ensure that Aliexpress cashback is correctly counted for each purchase.

Step-by-step instructions using Letishops as an example

Let's look at how to use bonus programs when shopping on Aliexpress using Letyshops as an example.

To get cashback faster, do not delay in confirming receipt of goods from Aliexpress. As soon as you fix the delivery, the store will transfer the commission to the service, and the service will transfer it to your bonus account.
As you can see, nothing complicated! Just a few clicks - and your bargain purchases on Aliexpress will become even cheaper. And as people say: “Saving means earning.”

AliExpress is not a store in the full sense of the word. This is a huge trading platform on which tens of thousands of sellers from around the world offer their goods, although the majority are still from China. The main feature and main advantage of AliExpress over similar resources is its varied assortment and, frankly, ridiculous prices.

“Various assortment” is not just words. Here you can really buy almost everything, from ant collars to a selfie station. Unless there is no engine for the launch vehicle, but even then, you can leave a request and, with a 99.9% probability, the efficient Chinese will design it, manufacture it and arrange free delivery for you.

When choosing a product on AliExpress, first of all pay attention to the seller’s rating and be sure to read all the reviews about it. This will protect you from possible fraud.

AliExpress is the most popular foreign online store in Russia

According to the latest data, the Chinese online store has overtaken even such “pillars” as Ebay and Ozon. This is understandable: you won’t find cheaper goods anywhere else than on this online site. 55 million people visit the Aliexpress website every month, 600,000 new users register every day, and almost $2 billion worth of parcels are sent per year.

Having chosen a product, do not rush to pay for it. Contact the seller, most likely, he will reduce the price a little more especially for you.

Aliexpress can be called a fairy tale: a clear offer, low price, huge selection - and you don’t need to go anywhere. A paradise for a shopaholic and an ordinary housewife.

How to buy even cheaper

The already low prices on Aliexpress will become even more tempting if you go shopping with. Agree that it is very nice to get back some of your already spent money. It's like being lost and then found again. And now we return your “lost” - from 5% of the purchase amount, depending on the cashback valid for today.

Cashback in Aliexpress can be obtained after registering on LetyShops and going to the store using the link.

The average wait for cashback is one and a half months, but we are working to reduce this period.

Additional offers

“Do you have the same one, but with mother-of-pearl buttons?”

It often happens that you like an item, but if the collar were different, or the length was a little shorter... You can order custom tailoring on Aliexpress. We chose a model, decided what to change in it, sent our sizes and that’s it, wait for delivery. With such an order, Aliexpress also provides cashback.

You can pay for purchases in cash or by mobile phone

AliExpress is the only foreign online store that allows you to pay for any purchases using a mobile phone (in Russia) and in cash.

This is why they love cashback in Aliexpress:

• very low prices;
• a colossal assortment;
• additional discounts;
• free shipping;
• possibility of individual tailoring;
• many payment methods;
• consumer rights Protection.

Buying on Aliexpress is really profitable. Come into the store, see what they sell there - we are sure that you will become a regular on this trading platform, because with LetyShops purchases will cost you practically nothing.

Content

Cashback, an additional payment option and bonus program, has long and successfully taken root in global payment practice. When paying for purchases and expenses via the Internet, retail, or using a bank card with a special function, the buyer receives part of the amount spent back into the account.

How cashback works

The Cashback feature is a great way to save on purchases. It is actively used by banks and the Internet trade sector as a type of bonus offer to attract more customers and stimulate the use of services. Literally the term means "cash back". Cashback in Russia operates on the same principles as throughout the world; a percentage of his purchases is returned to the buyer’s account:

• in trading systems, retail and the Internet, the client is given a deferred discount, which he receives after a certain period provided for the return of funds (bonuses);
• in the banking sector, the client-card holder, using the loyalty program for refunding funds, pays for goods and services with a card, receiving part of the funds back to the card after a specific time;
• systems often provide a limit for Cashback, setting a specific minimum amount from which the client begins to be credited with an attractive cashback bonus.

What is cashback when purchasing?

Refunds for purchases in stores differ in the options for accruing bonuses. The retail network, as a rule, provides the use of them when paying for subsequent purchases against the price of the purchased product under different conditions - reaching a certain minimum value of the returned amount, reducing part of the cost of the product, and validating them for a limited period of time. That is, it is always a cumulative return as a discount on a future purchase from the same seller.

In the case of online trading portals, the buyer receives real money into his account. They can be withdrawn from the trading system and disposed of at your discretion. After registering on the site, the client selects a product. The link redirects him to the seller’s official store, where an online order and payment for the goods are made. The stipulated percentage of the purchase is returned to the account in the system, after which the funds can be withdrawn according to the terms of the portal.

All intermediary services that work with cashback for purchases have their own conditions that form their ratings:

• welcome bonus;
• minimum for withdrawing money;
• withdrawal methods;
• composition of online stores with cashback traffic;
• cashback percentage.

Most users are interested in services that work with popular platforms - eBay, AliExpress, Booking, M.Video, Svyaznoy, Ozon. The list of categories of goods and services eligible for return bonuses changes periodically. A profitable method for withdrawing funds from the service is essential. Most companies offer options for withdrawing money to payment systems, bank cards, or mobile phones (as a rule, transactions through a bank are accompanied by a commission).

Cashback on Aliexpress

One of the largest online stores Aliexpress with goods for retail and small wholesale with free postal delivery has its own electronic payment system Alipay and the Alibonus mobile application. The Chinese company AliExpress has a convenient interface in Russian. Cashback from Aliexpress is returned under the following conditions:

• order is processed;
• goods purchased;
• the buyer confirmed the quality of the product;
• there are no complaints against the seller;
• the store received the money.

Cashback on Aliexpress is up to 10% on all products, regardless of discounts. The total purchase amount determines the refund rate, starting at 7% for purchases under $2. Withdrawal methods: main payment systems Webmoney, YandexMoney, PayPal, Qiwi, mobile phone, bank card. Funds are withdrawn from $5 without commission, transfer to card – commission is $7.

Cashback Amazon

The world's leading trading platform, one of the first Amazon services with Russian cashback services, has no partnerships. If you want to get Amazon cash back, you need to use the services of Service Ebates with crediting up to 7% of purchase funds only in the following categories, which change periodically:

• women's, men's, children's clothing;
• AmazonFire TVStick media set-top boxes;
• backpacks, suitcases;
• handmade goods,
• services in the Home Services section.

What are Cashback cards

Many domestic banks actively offer a pleasant and safe bonus service in the form of a refund. The cashback bank card program consists of receiving bonus interest when paying with a card for goods and services in retail chains or via the Internet. The amount of Cashback depends on the bank and card status. The reward is usually credited at the end of the month in one amount. Convenience is often complemented by the ability to take out loans using such cards even outside of Russia. Among the leaders of the convenient option: Russian Standard, Tinkoff, Alfa-Bank, Citi-Bank.

Each bank has its own characteristics of program support:

• participation of specific organizations or restriction of services for the calculation of bonuses;
• payment for the issue and annual maintenance of the card product;
• availability of a limit for Cashback operation;
• limiting the purposes for using refundable premium funds.

Cashback debit card

The term bank card with cashback is loose among banks. Some credit institutions do not award money, but points, premium bonuses, which are subsequently exchanged for goods or services of partners with the condition of spending in certain stores, for specific types of services, limiting the range of choice. Refunds work like this: after paying for purchases and services with a card, the money is written off in full; at the end of the billing period (usually a month), the bank returns a certain percentage of the costs to the card account or to a special account for bonuses.

Credit card with cashback

Among cards with the Cashback function, banks issue mainly credit cards. Such a credit card with cashback gives you the double benefit of not only enjoying the privileges of the bonus program, but also the loan, even with an interest-free grace period (usually 50-55 days). When using a credit card and planning to receive bonus returns, it is important to know for sure whether Cashback applies to payments that arose when using the loan.

Cashback Tinkoff

Sberbank cashback

Sberbank has such a nice bonus, but its understanding is different from the generally accepted standard. It’s easy to make Sberbank cashback available - to receive credits on your card, you need to connect to the “Thank you from Sberbank” program on the website or through an ATM. Award points can be used to purchase train and air tickets, pay for taxis, entertainment events, and other purchases. For purchases on the card, points from 0.5% to 10% are awarded, depending on the area of ​​payment:

• gas stations, Gett and Yandex.Taxi – 10%;
• restaurants, cafes – 5%;
• supermarkets – 1.5%;
• other – 0.5%.

How cashback services work

Receiving a bonus from purchases in the form of a refund occurs not directly, but through special services - cashback sites act as intermediaries in the seller-buyer chain. Stores under a partnership agreement pay cashback portals a percentage of the purchase amount, a commission for attracting a client. The service site returns part of the earnings to the buyer. The condition for how to get cashback for the system to work without deception: the buyer must go to the online store using an affiliate link posted on the cashback site, having registered there in advance.

The best cashback services

At this time, there are many services and there are even more, some stop functioning (for example, BEST-CASHBACK). It is difficult to choose the best cashback service; many of them have very attractive offers, and reviews about their work vary. The table below provides a brief overview of the services and a comparison of the characteristics of the top list of the most popular and successful companies according to their conditions: