The two preceding chapters focused on matters concerning payment systems. It is clear from them that payment system processes and issues are detailed and complex. In order to provide certainty as to how the issues that arise in these systems will be resolved, the law applicable to a system may also need to be detailed and complex. For low-value payments, the need for this certainty may be relatively low, and the development of a complex legal framework to support the arrangement may not be justified. However, as payment values grow, either in terms of the size of individual payments or in terms of the aggregate size of the payments, the case for a detailed legal framework for the payments becomes stronger.