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| English | German |
| non-negotiable instrument | Nicht begebbares Wertpapier (A document of title or written order that cannot be bought, sold, exchanged, or transferred) |
| payment instrument | Zahlungsmittel (The actual physical or virtual object that facilitates a purchase or transaction, such as a physical credit card, financial services account, or payment escrow service account) |
| payment instrument challenge | Überprüfung des Zahlungsmittels (A fraud prevention mechanism that attempts to verify that an individual using a payment instrument is authorized to use or is the owner of that instrument) |