What is National Payment Schemes?

A National Payments System encompasses all payment-related activities, processes, mechanisms, infrastructure, institutions and users in a country. The Central Bank (together with the Payment Systems Management Body if one has been established) provide regulatory oversight of the National Payments System drawing on the following:

  • The National Payments System Law
  • The Central Bank Law
  • Banking Law
  • Commercial legislation related to the National Payments System participants
  • Additional legislation governing the conduct and activities of banks
  • Rules including inter alia: Payments Association and Automated Clearing House Rules
  • Central Bank Directives, Circulars and Guidance Notes
  • Bank for International Settlements publications including Guiding Principles for Payments System
  • Modernization and Core Principles for Systemically Important Payments Systems
  • International Best Practice

Central banks and national payment authorities face a significant challenge of how to develop, implement and regulate local card/mobile payments schemes once the strategic decision for change is made. Procenne provides card/mobile scheme consulting services specifically to meet this challenge. As an example Rupay, Warikart and Troy projects were developed together with Procenne.


The breadth and depth of our experience, expertise and resources in EMV Chip and mobile makes Procenne an ideal partner to help you turn your vision for the scheme into reality.