As payment systems are the root of the functioning financial and monetary system, Bank of Thailand (BOT) has taken a leading role in modernizing of Thai payment systems to reach high stage of both safety and efficiency. The reformation of Thai Payment Systems took place in 199 when (BoT) established three core et the needs of both wholesale and retail electronic payment systems, designed to meet the needs of both wholesale and markets (Nutapon, 2010. However, the Thai payment environment has been extremely dynamic, particularly in terms of user's needs and behaviors as well as advances in the information and communications technologies It is, therefore necessary to have strategic plans that can effectively deal with these challenges The first effort started in 2002 when (BOT,) in cooperation with key stake holders i payment area, formulated payment systems Roadmaps 2004, providing strategic payment direction. Later in 2007, (BOT) disseminated Payment Systems Roadmaps 2010 to cope with new challenges by the year 2010 on, 2010