Combination of SWIFTNet and SWIFTNet FIN also is a step on a way to reduction of complexity of means of operational processing (financial transactions) and movement towards their optimisation. Those users who already work with services of SWIFTNet (for example Equiry Link RTGS plus) can use available connection and the program interface for access both to the specified services and to FIN service. It leads to simplification of an operational environment of work of the organisation and cuts expenses on the maintenance of two various technical infrastructures. SWIFTNet FIN gives access to FIN service by means of SWIFTNet using IP connections. Infrastructure of SWIFTNet includes a set of completely administered services of safety of the information constructed on the basis of technology PKI. Those users who already work with services of SWIFTNet (for example Equiry Link RTGS plus) can use available connection and the program interface for access both to the specified services and to FIN service. Connection process to the SWIFT network consists of two stages: The introduction of the financial organisation into SWIFT SCRL associates (registration of a package of documents and its sending in SWIFT) 1. Filling and sending an opening statement to SWIFT (SWIFT Undertaking). 2. Filling of introductory documents in the electronic form (the contract on the software forms of the order of the equipment of safety etc.). 3. Sending of confirmation of readiness of bank in SWIFT (Readiness Confirmation). Theoretically for payment fulfilment in Europe it is enough to know a SWIFT code of a bank and IBAN code of the addressee.