This chapter discusses the interaction between the multiplicity of existing digital payment means (cards, apps, etc.), and the common element that all of them settle on bank and central bank ledgers. The combination of the two is discussed using a metaphor: a tree that has roots well planted in the soil (the central bank) and a top that divides itself into main branches (private depository institutions) and smaller twigs and leaves (payment cards, apps, platforms). A broad description of the existing payment universe is given, explaining how the different instruments work. The existing system essentially amounts to one in which payments are still made by banks, but their technical implementation is outsourced to other entities, belonging to the fintech sector. This leads to the conclusion that the alleged payment “revolution” is actually an “evolution”: Forms change but the elements that ensure the solidity and reliability of the system are unchanged. Finally, we provide an overview of the costs of different payment tools (cards, apps, platforms): both their overall cost and the way that cost is divided between service providers and users.