The effective settlement and payment systems that allow to establish transactions in a safe way and in due time, represent a determinative factor for monetary and financial stability of any country. That is why the central bank is responsible for the function of licensing and supervision of important payment systems, in order to protect the financial system of a country from the treat of destabilization, due to failures of payment and settlement systems. Through compliance with its obligations registered systems, the central bank aspires to protect the monetary and financial systems from possible hazards, as a consequence of a failure of any payment system. As it is noticed in the document of International Settlements Banks, the observation of payment and settlement systems is the function of the central bank. At the same time, the reliability and efficiency purposes are achieved by the monitoring of existing and planned systems, its rates in corresponding to these purposes, and if necessary, changes' initiation.