This document is a seminar paper in Serbian on the topic of concepts and forms of payment systems. It was written in June 2010 for an economics class. The document provides information about websites that offer free seminar papers, diploma works, and matriculation works on all topics as well as PowerPoint presentations and other educational materials. It explains that users can view the content and first three pages of each work to precisely select what fully meets their needs. Works in the database can be downloaded to create a unique paper. Custom works can also be ordered if a suitable one is not found.