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I was wrong about OKPay, it doesn't mention on their website what they are covered by other than a reserve fund.
I'm sure I read somewhere they are insured by certain government insurances somewhere though. Will have to look into that.
One thing I would like to mention while we are talking alternatives is,
All the alternatives are mastercard based and there is quite a few of them. Ironic? I think not. Visa always seems to be a fucker to deal with in certain cases.
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