Annotation: The article considers the essence and role of bank payment cards as a modern means of payment. A study of the current state of the market of Ukrainian payment card. The dynamics of the number of payment cards and the types, volume and structure of settlements and payments through using of payment cards during 2015-2020. The analysis of operations and services of JSC "Megabank" in the banking market of payment cards with payment cards. The advantages and disadvantages of using payment cards for non-cash transactions has formed. The main threats of making payments with payment cards has considered. The main ways to improve the functioning and further development of the market of Ukrainian payment card have proposed. Measures to ensure the security of non-cash payments have formed. The main methods of minimizing the risks of payment card fraud have studied.