The financial market is very important for every country, including our Republic of Croatia. Namely, with the development of payment traffic, new forms of payment are coming, and so payment by payment cards, i.e. via electronic money, is starting. Payment cards are increasingly popular because they allow us to have faster access and insight int o our own funds without waiting in lines at banks. With the arrival of payment cards, the arrival of ATMs and POS devices is also expected, which are of great importance in the development of payment transactions. Card business provides security, daily insight into every transaction and a faster payment process. In addition to the simpler and faster method of payment for the user of the payment card, it is also easier for merchants who do not have to return the rest of the money, shred the cash... In all of this, the card companies also have a large profit due to commissions, membership fees, interest, etc. One of the advantages of payment cards is that they offer the possibility of paying in installments and buying various products all over the world.