YooMoney 是中国广泛使用的在线支付平台，可提供无忧的支付体验。从在电子商务平台上购物到支付水电费，YooMoney 已成为许多中国消费者的首选平台。但是，为确保安全，YooMoney 要求用户验证其真实姓名。
YooMoney is a widely used online payment platform in China that provides a hassle-free payment experience. From shopping on e-commerce platforms to paying utility bills, YooMoney has become the go-to platform for many Chinese consumers. However, to ensure safety and security, YooMoney requires users to verify their real name.

那么，YooMoney 是如何验证用户真实姓名的呢？首先，用户需要将他们的个人银行账户链接到他们的 YooMoney 账户。然后，他们需要提供他们的个人信息，包括他们的真实姓名、身份证号码和电话号码。 YooMoney 会将此信息与用户的银行记录进行交叉核对，以确保真实性。
So, how does YooMoney verify its users’ real names? First, users need to link their personal bank account to their YooMoney account. Then, they need to provide their personal information, including their real name, ID number, and phone number. YooMoney will cross-check this information with the user’s bank records to ensure authenticity.

需要注意的是，YooMoney 不允许用户在验证后更改他们的注册名称。这是为了防止欺诈活动并维护平台的完整性。因此，用户应确保在验证过程中提供准确的信息。
It’s important to note that YooMoney does not allow users to change their registered name once it is verified. This is to prevent fraudulent activities and maintain the integrity of the platform. So, users should ensure that they provide accurate information during the verification process.

除了在线交易，YooMoney 还为喜欢在实体店进行交易的用户提供实体信用卡。 YooMoney实体卡是一种带有卡片、条码和二维码的新型信用卡。
In addition to online transactions, YooMoney also offers a physical credit card for users who prefer to conduct transactions in physical stores. The YooMoney physical card is a new type of credit card that comes with a card, a barcode, and a QR code.

要获得 YooMoney 实体卡，用户需要前往淘宝并搜索关键字“YooMoney”。然后他们可以购买充值并将他们的帐户 ID 发送给卖家。之后，用户需要支付卡注册费和运费才能申请实体信用卡。
To get the YooMoney physical card, users need to go to Taobao and search for the keyword “YooMoney.” They can then purchase a recharge and send their account ID to the seller. After that, users need to pay the card registration and shipping fee to apply for the physical credit card.

虽然需要支付额外费用，但 YooMoney 实体卡使交易更加方便和安全。用户可以在店内刷卡支付，也可以使用YooMoney扫描二维码支付。实体卡还可以作为一种身份识别形式，使用户在交易过程中更容易验证自己的身份。
Though there’s an additional cost involved, the YooMoney physical card makes transactions more convenient and secure. Users can pay by swiping their card at the store or use YooMoney to scan the QR code to pay. The physical card also serves as a form of identification, making it easier for users to verify their identity during transactions.

总之，YooMoney的实名认证流程和实体信用卡为用户提供了安全便捷的支付体验。因此，如果您是 YooMoney 用户，请务必验证您的真实姓名，并考虑申请实体信用卡以简化交易。
In conclusion, YooMoney’s real name verification process and physical credit card offer a safe and convenient payment experience for users. So, if you’re a YooMoney user, make sure to verify your real name and consider applying for a physical credit card to make transactions easier.