What are the bank payment methods?

(1) bank draft

A bank draft is a bill that the remitter deposits the money in the local issuing bank, which issues it and unconditionally pays the payee or the holder according to the actual settlement amount at sight. Bank draft has the characteristics of flexible use, ticket arrival with people, strong liquidity and so on, and is suitable for commodity transactions with payment first and delivery later.

(2) Commercial bills of exchange

Where a commercial bill is issued by the drawer, the payer is entrusted to unconditionally pay a certain amount of bill to the payee or holder on the specified date.

(3) cashier's check

A cashier's check is a bill issued by a bank that promises to unconditionally pay a certain amount to the payee or holder at sight. Where a cashier's cheque is used, after the cashier accepts the cashier's cheque in accordance with the regulations, he shall send the cashier's cheque together with the input ticket to the bank for transfer, and make a receipt voucher according to the first copy of the input ticket returned with the seal and the relevant original documents. When the payer fills in the "application for cashier's check" and deposits the money in the bank, after receiving the cashier's check issued by the bank, he will prepare the payment voucher according to the stub of the application. When an enterprise requests a refund because the cashier's check exceeds the payment period or for other reasons, it will return the cashier's check and fill in the bill, and prepare the receipt voucher according to the first copy of the cashier's check.

(4)

A cheque is a bill issued by the drawer, and the bank entrusted with the deposit business unconditionally pays a certain amount to the payee or holder at sight.

(5) Credit card

Credit card refers to a special carrier card issued by commercial banks to individuals and units, which has consumer credit by virtue of its shopping, consumption and cash deposit and withdrawal in banks.

(6) Exchange

Remittance is a settlement method in which the remitter entrusts the bank to pay the money to the payee. All kinds of payments by units and individuals can be settled by foreign exchange settlement. Remittances are divided into two types: letter transfer and wire transfer. The remitter chooses to use it as needed. The exchange settlement method is suitable for payment settlement between different places, and has the characteristics of simple and flexible fund extraction and allocation.

(7) Entrusted collection

Entrusted collection is a settlement method in which the payee entrusts the bank to collect money from the payer. If the entrusted payment settlement method is adopted, when the payee receives the payment notice from the bank, he shall prepare the payment voucher according to the payment notice; After receiving the bank's entrusted payment voucher, the payer shall prepare the payment voucher according to the payment notice of the entrusted payment voucher and the relevant original vouchers. If the payment is made in advance before the expiration of the payment period, the payment voucher shall be made on the day when the bank is notified to pay. Refuse to pay, all refused, do not do accounting treatment; In case of partial refusal to pay, the enterprise shall issue a partial refusal letter and return it to the relevant unit within the payment period, and prepare a partial payment voucher according to the first copy of the returned refusal letter stamped with the bank seal.