Is it difficult to create your own payment system like mastercard and visa?

Question

Payment cards

I looked on the MasterCard website and to my surprise, it was found that the company does not create cards, but only services them. Who can explain what this company does? And is it difficult to make such a payment system?
ps please no jokes, very interested in this.

Answer 1

If you think from a programmer's point of view, then no, it's not difficult at all.
A prototype of the payment system can be issued during the day.
Database and protocol for working with banks. Well, that's all.
In addition to Visa / Mastercard, there are many other, smaller systems that operate with varying degrees of success, sometimes even working in only one bank in only one city.
So back to your question. It's very easy to create maps. Servicing the cards is very easy. But it is almost impossible to convince others to use your payment system, unless of course you are the Russian government.

Answer 2

it is better to ask bank employees, probably they will not be here.

Answer 3

The government of the Russian Federation is now just thinking (or rather, it has been thinking for a long time, now it has become more active) how to create a Russian payment system. But somehow they don't make much progress.
And now answer yourself the question: "Is it hard to make such a payment system?"
P.S. News on the topic "National payment system" in Google look. Do not confuse with PRO100 from green bank

Answer 4

It is very difficult to
order billions in rubles