Digital payment are made using payment instruments which mean in cash and cheque for example, is a payment instrument. Its also can use through over the internet and mobile channels and any payment that is sent online or through mobile computing and internet-enabled devices can be called such. By using digital payments, the sender of the payment must have a bank account, an online banking method, a device from which he or she can make the payment, and a medium of transmission should have signed up to a provider or an intermediary such as a bank or a service provider.