The payment system relates with transferring of fund from one party to another. The various means of transferred, from the simple barter system then using money as a means of exchange, now payment system become more sophisticated and foster in many areas including institution and related regulation as well. Bank Indonesia, in which regulate the payment system in Indonesia, has responsibility to ensure the payment system run smoothly.Dealing with the responsibility, Bank Indonesia has referred to the principles of payment system policies, i.e. safety, efficiency, equitable access and customer protection. Safety means that payment system must be sound and the risk can be mitigated properly. Efficiency means that users have the convenience of preparing from a range of payment methods with access provide nationwide at low cost. The issue of equitable access, meaning that Bank Indonesia must ensure that all payment systems in Indonesia pertain the equitable access principle in their operation, so that there isn’t monopolistic practice turn out to be barrier for payment players to entry the industry. The last is customer protection that require all players to adopt principles for fair consumer protection in their system operations. For cash instrument, Bank Indonesia policy is built around a clean money policy and guaranteed nationwide availability of currency fit for circulation.