The national system of payment cards and its importance to the national payment system in Russia

The article is devoted to the national payment card system (NBTS) and its value for the national payment system of Russia. NBTS refers to the so-called retail payment systems, oriented towards the processing of small payments and providing service for individuals. Retail payment systems often emit their payment instruments, a payment card, so they are often referred to as "card" systems. The author proves that the creation of a national system of payment cards and the introduction of its own payment card will eliminate dependence on foreign "card" system, will ensure the protection of information concerning transactions made in Russia, as well as provide income from transactions completed on the territory of Russia. The article briefly analyses set up mechanisms of the national payment card system and draws attention to the experience of other countries in terms of establishing a national payment card as a national payment instrument.

payment system, payment card, processing center, the payment system operator, services payment infrastructure operator, the national payment instrument, significant payment systems, significant credit institutions, system participants, individual participants

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