The publication provides the reader with a systematic description of the development and current state of the market for prepaid retail payment instruments. The publication presents both traditional prepaid products, such as traveler's checks, and innovative products, such as electronic money. International experience in using innovative payment products is widely covered. It also provides examples of the regulation of these systems in different countries, both near and far abroad, as well as the legal basis for the use of prepaid payment product systems. An important focus of the publication is research into systems for monitoring and preventing risks inherent in electronic money systems. This book will be of interest to a wide range of readers who follow the development of payment technologies, employees of banks and other financial organizations responsible for the development of retail business, payments and the development of new products and services.