Abstract: the article is devoted to the study and analysis of the emergence and formation of a market-type payment system in modern Russia. It chronologically lists and describes the main stages and the most significant events of the creation and development of the national payment system in Russia since 1989 and to the present.
The article emphasizes that the creation of a modern payment system in Russia is only part of large-scale social and economic transformations associated with the transfer of the economy to market relations.
Simultaneously with the creation and development of a new structure of settlement and payment relations in the country, radical transformations of forms of ownership and the corresponding economic and social relations took place. At the same time, the monetary sphere has undergone significant changes. In particular, in connection with the collapse of the USSR, the Central Bank of Russia was created in the Russian Federation, private banks and credit organizations began to appear and develop in the structure of the credit system, which became the basis for the formation of new credit and settlement relations and payment systems.
Foreign and international payment systems such as SWIFT, Visa Inc., Euroрау International, Diners Club, American Express, JCB made a great contribution to the creation and development of payment systems in Russia.
Foreign technological and technical assistance made it possible in a relatively short time to introduce advanced Western settlement technologies into the payment turnover of Russia and, ultimately, create a national payment system similar to the payment systems of countries with developed market economies.
One of the problems of the national payment system is that in the standards of statistics of payment systems there is no indicator of a comprehensive assessment of their activities. Such an assessment can be formed in the form of an index indicator or rating score, which would incorporate the main indicators of payment systems.
The creation of such an indicator could greatly simplify the issues of choosing a payment system as a business partner for their customers.
Keywords: transfer of the Russian economy to market principles of management, privatization, two-tier banking system, foreign payment systems in the Russian market, plastic bank cards, designing performance indicators and development of payment systems