{"id":220772,"date":"2025-10-22T13:48:29","date_gmt":"2025-10-22T11:48:29","guid":{"rendered":"https:\/\/easy-software.com\/?post_type=glossar&#038;p=220772"},"modified":"2025-10-22T13:48:43","modified_gmt":"2025-10-22T11:48:43","slug":"payment-instruments","status":"publish","type":"glossar","link":"https:\/\/easy-software.com\/en\/glossary\/payment-instruments\/","title":{"rendered":"Payment Instruments"},"content":{"rendered":"<div class=\"gb-container gb-container-bff3e728\">\n<div class=\"gb-container gb-container-21f239a0\">\n<div class=\"gb-grid-wrapper gb-grid-wrapper-21d3b66e\">\n<div class=\"gb-grid-column gb-grid-column-8f04805b\"><div class=\"gb-container gb-container-8f04805b\">\n\n<p>Payment instruments are the <strong><mark class=\"has-inline-color has-marker-text-color\">tools<\/mark><\/strong> <mark class=\"has-inline-color has-marker-text-color\">that make <strong>economic<\/strong> <strong>transactions<\/strong> happen<\/mark>. 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d=\"M86.7,202.7c-8.2,1.7-16.4,3.4-24.7,5.1c-11.8,2.4-23.7,4.8-35.6,6.9c-2.4,0.4-4.8,0.8-7.2,1.2\t\t\tc-0.5,0.1-1,0.1-1.5,0.2c-0.1,0-0.3,0-0.4,0.1c0.2,0,0.3,0,0,0c-0.1,0-0.2,0-0.3,0c0.1,0,0.2,0,0.3,0c0,0-0.1,0-0.1,0\t\t\tc-0.7,0.1-1.3,0.2-2,0.2c-1.7,0.1-3.3,1.4-3.2,3.2c0.1,1.7,1.4,3.4,3.2,3.2c3.7-0.3,7.3-1,10.9-1.6c5.5-1,11.1-2,16.6-3.1\t\t\tc11.7-2.3,23.4-4.7,35.1-7.1c3.5-0.7,7.1-1.5,10.6-2.2c1.7-0.4,2.7-2.4,2.3-4C90.2,203.2,88.4,202.3,86.7,202.7z\"><\/path>\t<\/svg><\/span><\/p>\n\n\n\n<h2 class=\"gb-headline gb-headline-ee18a451 gb-headline-text gb-headline-small\">What Are Payment Instruments?<\/h2>\n\n\n\n<p>Payment instruments are all <strong>legally<\/strong> <strong>recognized<\/strong> <strong>means<\/strong> by which a <strong>payment obligation<\/strong> can be <strong>fulfilled<\/strong>. They serve to complete the exchange of goods and services bringing a transaction to its conclusion.<\/p>\n\n\n\n<p><strong><mark class=\"has-inline-color has-marker-text-color\">The main categories include:<\/mark><\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Cash<\/strong>: Coins and banknotes, considered legal tender.<\/li>\n\n\n\n<li><strong>Bank money<\/strong>: Funds held in accounts, used for transfers or direct debits.<\/li>\n\n\n\n<li><strong>Electronic payment instruments<\/strong>: Credit cards, debit cards, mobile payment apps.<\/li>\n\n\n\n<li><strong>Digital currencies<\/strong>: e.g., Bitcoin and others, which are not legally recognized as official payment instruments in all jurisdictions.<\/li>\n<\/ul>\n\n<\/div>\n\n\n<h2 class=\"gb-headline gb-headline-5daa93c7 gb-headline-text gb-headline-medium\">Legal Tender<\/h2>\n\n\n\n<p><strong><mark class=\"has-inline-color has-marker-text-color\">In Germany and the Eurozone, euro cash<\/mark><\/strong> is considered legal tender. This means it must generally be accepted for settling debts, unless a different arrangement has been contractually agreed upon..<\/p>\n\n\n\n<h2 class=\"gb-headline gb-headline-ff6440dc gb-headline-text gb-headline-medium\">Payment Instruments in Business Practice<\/h2>\n\n\n\n<p>In day-to-day business, the following instruments are especially common:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Bank transfer<\/strong>: The standard in B2B transactions.<\/li>\n\n\n\n<li><strong>SEPA direct debit<\/strong>: Often used for recurring payments.<\/li>\n\n\n\n<li><strong>Credit card<\/strong>: Popular in e-commerce and international transactions.<\/li>\n\n\n\n<li><strong>Mobile payment<\/strong>: Increasingly relevant in retail (e.g., Apple Pay, Google Pay).<\/li>\n<\/ul>\n\n\n\n<p><strong>The choice of payment instrument depends on<\/strong>:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>the type of service or product,<\/li>\n\n\n\n<li>the level of trust between parties,<\/li>\n\n\n\n<li>the available technical infrastructure,<\/li>\n\n\n\n<li>and the applicable legal framework.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"gb-headline gb-headline-ec4df682 gb-headline-text gb-headline-medium\">Payment Instrument vs. Payment Method<\/h2>\n\n\n\n<p>Both terms are often used interchangeably, but they refer to different aspects:<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong><strong>Term<\/strong><\/strong><\/td><td><strong><strong>Meaning<\/strong><\/strong><\/td><\/tr><tr><td><strong><mark class=\"has-inline-color has-marker-text-color\">Payment instrument<\/mark><\/strong><\/td><td>The actual tool used to make a payment (e.g., cash, card, transfer).<\/td><\/tr><tr><td><strong><mark class=\"has-inline-color has-marker-text-color\">Payment method<\/mark><\/strong><\/td><td>The way the payment is structured (e.g., upfront payment, installment plan, cash on delivery).<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"gb-headline gb-headline-44eb7c3a gb-headline-text gb-headline-medium\">Conclusion<\/h2>\n\n\n\n<p>Payment instruments are a key part of every transaction. For businesses, offering familiar and trusted options \u2013 and clearly communicating <strong>payment terms <\/strong>\u2013 builds confidence and improves liquidity planning.<\/p>\n\n\n\n<p>Digital solutions like real-time transfers or mobile payments speed up incoming payments. Yet traditional methods such as bank transfers remain the standard in B2B environments.<\/p>\n\n\n\n<div style=\"height:70px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div style=\"height:60px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n<div class=\"gb-grid-wrapper gb-grid-wrapper-5f82ae83\">\n<div class=\"gb-grid-column gb-grid-column-2916d779\"><div class=\"gb-container gb-container-2916d779 product-col\" data-sal =\"fade\" data-sal-easing=\"easeInOutSine\"><a class=\"gb-container-link\" href=\"https:\/\/easy-software.com\/en\/easy-archive\/\" aria-label=\"Produkt easy archive\"><\/a>\n<div class=\"gb-container gb-container-875c0171\">\n\n<h2 class=\"gb-headline gb-headline-e95cfbbc gb-headline-text gb-headline-marked-headline\"><span>easy<\/span><mark style=\"background-color:var(--easy-white)\" class=\"has-inline-color has-easy-blue-color\"><span>archive<\/span><\/mark><\/h2>\n\n<\/div>\n\n<div class=\"gb-container gb-container-852a5b1e\"><\/div>\n\n<div class=\"gb-container gb-container-d3cd68aa\">\n\n<p class=\"has-easy-white-color has-text-color\">Archive data securely and compliant.<\/p>\n\n\n\n<span class=\"gb-button gb-button-7e027f88 gb-button-text-btn\"><span class=\"gb-button-text\">Discover easy archive<\/span><span class=\"gb-icon\">  <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 48 48\">  <path d=\"m29.95 39.1-3.25-3.2 9.6-9.65h-33V21.7h33l-9.6-9.65 3.25-3.2L45.05 24Z\"><\/path><\/svg><\/span><\/span>\n\n<\/div>\n<\/div><\/div>\n\n<div class=\"gb-grid-column gb-grid-column-1f2fac37\"><div class=\"gb-container gb-container-1f2fac37 product-col\" data-sal =\"fade\" data-sal-easing=\"easeInOutSine\"><a class=\"gb-container-link\" href=\"https:\/\/easy-software.com\/en\/easy-invoice\/\" aria-label=\"Produkt easy invoice\"><\/a>\n<div class=\"gb-container gb-container-0633cccb\">\n\n<h2 class=\"gb-headline gb-headline-d99cc43b gb-headline-text gb-headline-marked-headline\"><span>easy<\/span><mark style=\"background-color:var(--easy-white)\" class=\"has-inline-color has-easy-cyan-color\"><span>invoice<\/span><\/mark><\/h2>\n\n<\/div>\n\n<div class=\"gb-container gb-container-89a53721\"><\/div>\n\n<div class=\"gb-container gb-container-05b55192\">\n\n<p class=\"has-easy-white-color has-text-color\">Digitally verify and approve invoices.<\/p>\n\n\n\n<span class=\"gb-button gb-button-393bc245 gb-button-text-btn\"><span class=\"gb-button-text\">Discover easy invoice<\/span><span class=\"gb-icon\">  <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 48 48\">  <path d=\"m29.95 39.1-3.25-3.2 9.6-9.65h-33V21.7h33l-9.6-9.65 3.25-3.2L45.05 24Z\"><\/path><\/svg><\/span><\/span>\n\n<\/div>\n<\/div><\/div>\n<\/div>\n<\/div><\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>What\u2019s actually used to settle an invoice? Cash, bank transfer, credit card or digital coins?<\/p>\n","protected":false},"author":62,"featured_media":0,"parent":0,"menu_order":0,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":"","_links_to":"","_links_to_target":""},"class_list":["post-220772","glossar","type-glossar","status-publish","format-standard","hentry","no-featured-image-padding"],"acf":[],"_links":{"self":[{"href":"https:\/\/easy-software.com\/en\/wp-json\/wp\/v2\/glossar\/220772","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/easy-software.com\/en\/wp-json\/wp\/v2\/glossar"}],"about":[{"href":"https:\/\/easy-software.com\/en\/wp-json\/wp\/v2\/types\/glossar"}],"author":[{"embeddable":true,"href":"https:\/\/easy-software.com\/en\/wp-json\/wp\/v2\/users\/62"}],"version-history":[{"count":0,"href":"https:\/\/easy-software.com\/en\/wp-json\/wp\/v2\/glossar\/220772\/revisions"}],"wp:attachment":[{"href":"https:\/\/easy-software.com\/en\/wp-json\/wp\/v2\/media?parent=220772"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}