Payment cards are plastic cards issued by financial institutions that allow users to make purchases and access funds electronically. The most common types of payment cards include credit cards, debit cards, and prepaid cards. Credit cards enable users to borrow money up to a certain limit, while debit cards withdraw funds directly from a bank account. Prepaid cards are loaded with a specific amount of money in advance. These cards are widely accepted at various merchants, both in physical stores and online. They often come with features such as contactless payment options, rewards programs, and security measures like chip technology to protect against fraud. Payment cards have become a convenient way to manage finances and facilitate transactions.