<s>
Payments	B-Application
as	I-Application
a	I-Application
service	I-Application
(	O
PaaS	O
)	O
is	O
a	O
marketing	O
phrase	O
used	O
to	O
describe	O
a	O
software	B-Architecture
as	I-Architecture
a	I-Architecture
service	I-Architecture
to	O
connect	O
a	O
group	O
of	O
international	O
payment	O
systems	O
.	O
</s>
<s>
Since	O
the	O
1980s	O
,	O
credit	O
cards	O
and	O
international	O
wire	O
transfer	O
systems	O
like	O
the	O
Society	B-Protocol
for	I-Protocol
Worldwide	I-Protocol
Interbank	I-Protocol
Financial	I-Protocol
Telecommunication	I-Protocol
(	O
SWIFT	B-Protocol
)	O
were	O
primary	O
methods	O
for	O
making	O
and	O
receiving	O
electronic	O
cross-border	O
payments	O
.	O
</s>
