The bachelor thesis theme is “Pay cards and their utilization” and is divided into two parts. The first part, theoretical part, deals with pay cards history. Also general characterization as pay cards types, its appurtenances, methods and use possibilities belongs into this part. The benefits to owner, dealer and last but not least to bank are under consideration. The aim of practical part is to catch the progression dependence in time scale. The data of extradited pay cards and coherent fields are used in this bachelor thesis. Several indicators about cash machines, how the trend in business field and internet payments were changed are written in this bachelor thesis. The thesis is added by tables and consequent charts for the purpose of better orientation in the dilemma.