The first part of monograph explains the basic arrangement of payment services in context of payment system and feature of basic names which exist in payment system and payment services. Further part describes and explains the constituent payment instruments that can be considered to be a payment service. Publication is furthermore dealing with the rights and duties of payment services providers on one hand and their users and issuers and holders of payment services on the other hand. The mutual relationship among payment services providers is allowed by payment systems. Therefore the part of publication is dedicated to their general characteristic but focused on the systems with clearing’s irrevocability. Specific space is given to characteristic of approach how to use the payment instruments within the international payment system focused on payment services providing within cross-border relationship. Finally the presented monograph is interested in the possibility of out-of-court solution of starting disputes between providers of payment services and their users.