Iranian payment systems are primarily governed by the Central Bank of Iran, which oversees the country's financial infrastructure. The most common methods of payment include bank cards, which are widely used for transactions in shops and online. These cards are linked to the national payment network, allowing for secure and efficient transfers. In addition to traditional banking, mobile payment applications have gained popularity, enabling users to make payments directly from their smartphones. These systems facilitate both domestic and international transactions, although sanctions have impacted some aspects of cross-border payments. Overall, Iran's payment systems are evolving to meet the needs of its economy.