In order to mitigate risk in national payment, Bank Indonesia have developed transaction settlement system, Bank Indonesia Real Time Gross Settlement (BI-RTGS), Bank Indonesia Scripless Securities Settlement System (BI-SSSS) and National Clearing System (SKN). BI-RTGS is an elctronic fund transfer in Rupiahs between participants where the settlement conducted directly and individually per transaction. BI-SSSS is a transaction media with Bank Indonesia and securities administration electronically. During settlement, BI-SSSS connected directly to BI-RTGS seamlessly. While SKN is an interbank clearing system for cheque payment, Bilyet Giro, other debit notes and interbank credit transfer.