The NPC owns the following Payment Schemes:
- NPC Credit Transfer Scheme
- NPC Instant Credit Transfer Scheme
A payment scheme is a set of rules which have been agreed upon to execute transactions through a specific payment message (such as credit transfer, direct debit, card, etc). It is different from a payment system, which is a technical infrastructure that processes transactions in line with the rules defined in a payment scheme. Each payment scheme consist of a Rulebook and one or manyImplementation Guidelines.