Initially cards have been a perfect way for secure and fully legal transportation of private funds. Funds are allocated to the bank account where they are fully secured from all risks including bankruptcy. A card serve as access to the privet account and convenient not only for cash up but for payment in various offline shops and online services.

Cards are divided into Debit card and Credit Card. Debit card imply to open account in the bank and accommodate funds which will be used in advance. Debit card is widely used for payment of merchandises and services, receipt of cash money on ATM (automatic teller machine). This kind of card allows disposing of funds in account balance that available on deposit account. Function of debit cards generally consists in changing soft money in circulation and realization of cashless by client own funds.

Indubitable advantage of Debit cards is that the customer spends that amount of money that he has in his account. Accordingly while the customer will have the problems with his work, business which is the general sources of income having Debit card will not be disturbed to discharge of a debt. Also he can avoid procedures of bankruptcy which negatively reflect to his credit history and doesn’t allow taking on credit during a long period.

It is high time to switch over to universally recognized system of international payment. They are Visa, Mastercard, American Express, Discovery and etc. These systems are serving as the key to the new opportunities of global electronic commerce.