Which countries have more than one high value payment system?

The correct response highlights that Bulgaria, Croatia, Denmark, Poland, and Romania are all countries that operate more than one high-value payment system.

High-value payment systems are essential for facilitating large transactions that require immediate settlement, typically used by banks and financial institutions. In the case of these countries, they have established multiple payment systems to accommodate different needs and ensure efficiency in processing high-value transactions.

For example, in Denmark, the country's payment infrastructure includes systems like the Danmarks Nationalbank's Real-time Gross Settlement (RTGS) system and other clearing systems for interbank payments. Similarly, Poland operates several systems that support high-value transactions, enhancing the robustness and flexibility of its payment landscape.

Having multiple systems allows these countries to mitigate risks, ensure competition among service providers, and provide redundancy in their payment infrastructure, thereby catering to both domestic and international needs effectively.