Electronic payment systems often involve the use of electronic money that is stored digitally. Payment is made using a card, which can be swiped or contact-less, which is linked to the customer’s account. When managing electronic payment systems, maintaining customer trust is a critical aspect to the business. Controls around availability, cryptography, and change management are critical when maintaining an electronic money system. A SSAE 16 report provides that level of comfort that many customers need in order to conduct business with the service provider.