The relevance of the chosen topic lies in the study of payment systems, in identifying the advantages of a non-cash form of circulation over cash, and in also formulating the main problems that slow down their development. The article gives an interpretation of the concept of a payment system, high-lights its subsystem-an electronic payment system, and presents the main types of payment systems used by Russian payers. Based on the analytical information about the historical formation of pay-ment systems in Russia, their current level of development, their main prospects are formulated.
payment systems, electronic payment systems, national payment system, electronic wallet, national payment card system
1. Beznalichnye platezhi v Rossii // Gosudarstvo. Biznes. IT [Elektron-nyy resurs] [sayt]. [2005]. URL: https://www.tadviser.ru/index.php/Stat'ya:Beznalichnye_platezhi_v_Rossii (data obrascheniya 10.05.2021).
2. Denezhnye sredstva i denezhnye ekvivalenty // Sovremennyy pred-prinimatel' [Elektronnyy resurs] [sayt]. [2006]. URL: https://spmag.ru/articles/denezhnye-sredstva-i-denezhnye-ekvivalenty
3. Kak i za chto rossiyane platyat onlayn v 2020 godu: issledovanie Mediascope // Vse ob elektronnoy kommercii i riteyle [Elektronnyy resurs]. [sayt]. [2008].URL:https://www.shopolog.ru/metodichka/payments/kak-i-za-chto-rossiyane-platyat-onlayn-v-2020-godu-issledovanie-mediascope
4. Osnovnye pokazateli razvitiya nacional'noy platezhnoy sistemy // Bank Rossii. Statistika [Elektronnyy resurs]. [sayt]. [2000]. URL: https://cbr.ru/statistics/nps/psrf/ (data obrascheniya 10.05.2021).
5. Sostoyanie i napravleniya razvitiya platezhnoy sistemy v Rossii [Elektronnyy resurs] – URL: http://refleader.ru/rnajgejgepol.html (data obrascheniya 10.05.2021 g.)
6. Strategiya razvitiya nacional'noy platezhnoy sistemy Rossii na pe-riod 2021-2023 gg. [Elektronnyy resurs]. [sayt]. [1990]. URL: https://rspp.ru/upload/iblock/674/strategiya2021-2023.pdf
7. O bankah i bankovskoy deyatel'nosti: federal. zakon № 395-1 ot 02.12.1990 (s izm. i dop.)
