Definicija: formalni dogovori, ki temeljijo na zasebni pogodbi ali zakonskem predpisu, z več člani, skupnimi pravili in standardiziranimi ureditvami za prenos in poravnavo denarnih obveznosti med člani, pri čemer so vsi ali večina neposrednih udeležencev kreditne institucije, in ki se uporabljajo predvsem za obdelavo brezgotovinskih plačil

Definicija: formal arrangements, based on private contract or statutory law, with multiple membership, common rules and standardised arrangements for the transmission and settlement of money obligations arising between members, in which most or all direct participants are credit institutions and which is used primarily to process cashless payments