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Nowadays it seems like everything around us appears in different varieties offering us a wide range of options to decide about a certain issue. Such opportunities, like everything else in life, appear not only in the variety of products and services, but also in the choice of payment for their purchase. But, choosing and making decisions on any matter goes through a certain process, which may have different duration depending on the issue or the individual who makes the decision. What is important in making decisions has to do with the factors that influence and guide us through certain decisions, because we are not and we will not ever be completely free to choose, that's why we should take into consideration opportunities that we are offered. The main motives that encourage consumers to use instruments, remain mostly in the realization of our desires, to get what we want, being it a product, service or both of them, in the quickest, simplest and safest way possible and with a minimum cost. Consumers can choose to use one instrument or one other, cash or non-cash, according to the assessment that they do to the instrument from their point of view.