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Although scholars have enhanced our understanding of online payment systems (OPSs), our literature review shows that extant research has not fully addressed the way in which scholars have conceptualized OPSs and what roles organizations have played in establishing the OPSs. This study reviews the literature on OPSs and synthesizes the definitions of OPSs. This study also discusses the theoretical and practical implications of the roles of regulators, service providers, and technologies. Using the literature review method, we analyze the definitions of online payment systems from perspectives of academics, regulators, and practitioners. This study deepens our understanding of the concepts of OPSs by providing a conceptual framework of the roles of regulators, service providers, and technologies in shaping OPSs. Finally, this study goes beyond online shopping and the trust relationship in order to show a big picture of OPSs.

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