Ushbu maqolada to‘lov tizimlari uchun risklarni boshqarish vositalarining tasnifini tuzishning turli usullari tahlil qilindi. To‘lov tizimlariga xos bo‘lgan risklarni boshqarish usullarini tasniflashning asosiy yo‘nalishlarining yagona sxemasi tuzildi. Ushbu tadqiqotni olib borishdan asosiy maqsad bugungi kunda rivojlanib borayot to‘lov tizimlari bozoridagi risklarni to‘g‘ri baholash va boshqarishdir. Shuningdek, ushbu maqolada to‘lov tizimlaridagi risklarni boshqarishni takomillashtirish yo‘llari tizimli tahlil qilindi va kerakli tavsiya hamda xulosalar ishlab chiqildi. Kalit so‘zlar. To‘lov tizimi; xatarlarni boshqarish; tasniflash; tizimlashtirish; metod. ABSTRACT The article provides the analysis of various methods of constructing the classification of payment system risk management instruments. The research also includes the generalized scheme of payment systems risk management methods. The main purpose of conducting this research is to correctly assess and manage the risks in today's developing market of payment systems. Also, this article systematically analyzed ways to improve risk management in payment systems and developed the necessary recommendations and conclusions. Keywords. Payment system; risk management; classification; systematization; method.