Transformation of cashless payments in the European payment card market

The purpose of this study is to examine the current state and perspectives non-cash payments by using payment cards in Ukraine, Poland, Sweden, Romania Hungary. factors transformation term "non-cash payments" into "payment system" are considered article. Methodology: theoretical practical database bank market as an information base research. In course research general, scientific, empirical methods were used, among which following:  analysis generalization literature on topic, observation comparison, structural methods, coordination formalization, graphical tabular representation data. article presents trends development new types money, compares card a number criteria describes main directions modern use for analyzed countries. European Central Bank (ECB) data set, from sites National Ukraine banks countries collected comparative economic findings show that changes greatly influence economy. scientific significance work issue settlement system system. results shows detail ways improve Ukrainian experience other EU This offers insights best practice challenges during 2015 - 2019 years. JEL Classification: G15, G21, O12.