Qiwi is a Russian company that provides payment and financial services in Russia and CIS countries. The company includes QIWI payment system, QIWI Bank, CONTACT money transfer system, Factoring PLUS, Flocktory, and RealWeb. Qiwi Wallet is an e-wallet based on a Visa Prepaid Account, with over 20.3 million active consumer accounts. Consumers can securely pay over 10,000 merchants using Qiwi Wallet, and the account can be connected automatically to a virtual or physical prepaid card that can be used to make purchases at retailers that accept Visa worldwide. Qiwi Wallet provides users with access to Visa products with universal acceptance and security. Qiwi is one of the largest Russian e-wallets, and it has 200,000 cash terminals operated by OSMP, its owner. Qiwi accounts can be accessed via both cash terminals and any smartphone, which is a core difference between Qiwi and other e-wallets. Qiwi is a popular payment method in Russia, Ukraine, and Kazakhstan, and it is not widely used outside these areas. Qiwi customers can deposit cash in the companys ATM-style machines and use that money to make payments online for utilities, mobile phone bills, internet, online shopping purchases, bank loans, and much more. Qiwi has roughly 170,000 kiosks in Russia, more than 40,000 vendors that accept cash payments through the kiosks, and 65 million customers who pay more than 39 billion rubles (about $1.3 billion) each month.