If you want to contract a debt from your user, ask them to set trust limit for you. After that you will be able to take funds under the conditions specified by the lender.
Loan guarantees in Paymer service are represented by unconditional obligations payable to the bearer in doubled amount of your debt - the funds will be used only in case if you fail to return your debt.
Please read the order of getting a debt under the trust limit
The members of WebMoney Transfer system with a certificate above of formal and business-level more than 15 points, have the possibility to get immediate loans in Debt service in the automatic mode. The amount of the debt (not more than 300 WMZ), term and percent shall be calculated for each member individually.
The Debt service is located at the address Debt.webmoney.com