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Chapter Six: Payment of Goods Means of Payment Mode of Payment Ⅰ. Means of Payment Means of Payment include cash and bills. Bills, also called negotiable instruments, is an unconditional order or promise to pay an amount of money that is easily transferable from one person to another. Bills include Bill of Exchange, promissory Note and Check. (Ⅰ) Bill of Exchange/Draft 1. Definition Law of the Peoples Republic of China on Negotiable Instruments ： Article 19: A bill of exchange is a negotiable instrument, signed and issued by the drawer, who authorizes the drawee to pay unconditionally a s