Payment systems play a key role in the modern financial infrastructure, providing convenient, fast and secure ways to transfer money and make purchases online. They can be both centralized and decentralized, giving users a wide choice to choose the most suitable payment method depending on their needs. Payment systems allow you to quickly transfer money between countries and continents, minimizing commission fees and the time it takes to credit funds. Among the main advantages of payment systems, it is worth highlighting their versatility and convenience. Most modern platforms support a wide range of currencies, including cryptocurrencies and fiat money, which makes it easy to conduct transactions with different assets. Users can make payments through mobile applications, bank transfers, virtual cards or even through payment systems based on biometric data. In addition, many systems offer high levels of security, such as two-factor authentication and data encryption, making payments protected from fraud. In addition, payment systems are actively developing, offering new opportunities for users and businesses. These include integration with marketplaces, online stores, mobile applications, and online service platforms. Payment systems can speed up the process of purchasing goods and services, as well as increase customer confidence through ease and security of transactions. Choosing the right system can significantly impact business efficiency, ensuring increased sales and improved customer experience.