Abstract Center for Electronic Payment is predesign to be solution for client attention, where offering different ways of doing trade transactions and trying to avoid using cash in this exchange point. Starting from client benefit going to banks up to government benefits. If we are looking to client is cash less and high security, faster transactions, multiple function on same device (all in one). From bank perspective is some structure institution is dealing and offering the service for all banks in market therefore costs less in operation of product, range of products that bank can offered to client in same technology and in same medium, cross sells in this situation is best achievement. Government is always willing to control cash flows and secure reports from private client as well as business clients. If some transactions are done electronically then regarding to taxes is much easier to control businesses as well as money laundering from private clients is more controlled rather in traditional systems. New mediums for these kinds of transactions are suitable to deal with features requested. NFC communication as well as traditional one like SMS is main mediums that are used to finish transactions over financial system in Kosova, as middle institution in hand shaking between client and banks will be Operator of Central for electronic payment. This operator handle authorization, communication, security three domain authentication, ordering and finally settlement between Central Bank of Kosova and commercial Banks in Kosova organization.