Hello, in general, an entire ecosystem is involved in electronic payments, which, as mentioned above, includes many participants. However, there is a special participant in this ecosystem that is responsible for coordinating all other links - the payment system. The payment system does not issue cards, does not issue loans, does not determine tariffs for acquiring. The main task of payment systems is to provide efficient and reliable financial services, as well as to carry out international payments, so that companies would have more customers from other countries.