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Payment is most commonly effected in the local currency of the payee, unless if the parties agree otherwise.

Payment in another currency involves an additional foreign exchange transaction.

A payee is usually obligated to acknowledge payment by producing a receipt to the payer.

A receipt may be an endorsement on an account as "paid in full".

The payee may compromise on a debt, ie., accept a part payment in full settlement of a debtor's obligation, or may offer a discount, for example, for payment in cash, or for prompt payment, etc.

On the other hand, the payee may impose a surcharge, for example, as a late payment fee, or for use of a certain credit card, etc.

If X would pay via P to R and finally to another party Y, the payment would be 'fully indirect': [X→P→CB→R→Y].

In practice, not every payment agent might have a direct nostro with the central bank, thus rather weird payment constellations can exist, which are hard to describe.

Provisioning involves the transfer of money from one account to another, and involves a third party.

The acceptance of a payment by the payee extinguishes a debt or other obligation.

A creditor cannot unreasonably refuse to accept a payment, but payment can be refused in some circumstances, for example, on a Sunday or outside banking hours.

In the Middle Ages, the term began to be used more broadly, to mean "to pacify one's creditors".

As the Latin word was made part of Old French "paier", it retained the meaning "pacify" (and "appease") but gained the meaning "to pay" (as in paying a debt).

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The infrastructure and electronic clearing methods are formed by the payment provider.

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