In the era of speedy development of science, laptop and network technology, electronic-commerce (e-commerce) has become a routine a part of human life as a result of it's convenient for patrons, significantly in Business to client (B2C) commerce. The client will place orders reception and so save time. On-line payment systems have a really necessary role in e-commerce and that they area unit wont to complete e-commerce transactions. The aim of this thesis is to introduce current state, the challenges and future expectations of on-line payment systems in Asian country. The results of the analysis show that these days on-line payment systems area unit common. All the respondents have expertise on on-line payments. Revolving credit (Visa or MasterCard) and web Bank area unit the foremost common on-line payment systems, not solely in Asian country and alternative countries. The two main causative factors to selecting on-line payment system areas are unit convenience and the quickness of dealings. Technical issues and vulnerability to cyber-security remain threats to on-line payment system. Malware attack and money issue area unit the most challenges of on-line payment. Having a secure, reliable and trustworthy on-line payment setting is very important.