Pay Order & Bank Draft

Discussion in 'Payment Processing' started by sufi, Sep 22, 2007.

  1. #1
    Hey Guys,

    What is the difference between these bank instruments (Pay Order and Bank Draft)?
     
    sufi, Sep 22, 2007 IP
  2. kashifrasool

    kashifrasool Peon

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    #2
    Well I do not know much about them but I do not htink there is much difference betwenn them actualkly they work the same. AM I right?
     
    kashifrasool, Sep 26, 2007 IP
  3. bluedragon_a

    bluedragon_a Banned

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    #3
    Ahmm.. I either i don't have any idea it's much better to ask the bank.. :D
     
    bluedragon_a, Sep 26, 2007 IP
  4. eddy2099

    eddy2099 Peon

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    #4
    Bank Draft is a bank issued check for payment. The funds are guaranteed as the Bank Draft is issued by a bonafide bank in the currency of the payee.

    A Pay Order if I am not wrong is a Letter of Credit http://www.eagletraders.com/advice/letters_of_credit.htm . It is a promise of payment issued by a company for goods or services usually used for international trade usually with the payer's bank acting as guarantor. The seller will ship the goods when he received the letter of credits and then present all the shipping documents to the payer's bank to prove that goods have been shipped. Once all of the documentations are finalized, the payer's bank will pay the payee. At which point the payer would have to pay his bank to get hold of the goods which otherwise would be under the ownership and control of his bank.
     
    eddy2099, Sep 26, 2007 IP
  5. sufi

    sufi Well-Known Member

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    #5
    Thanks everyone,

    I had to submit my university fees and in prospectus they have wrote to pay it via bank draft but on their website, they ask for pay orders. Thats why I was wondering..
     
    sufi, Sep 26, 2007 IP
  6. kashifrasool

    kashifrasool Peon

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    #6
    Thanks for the information on this thread very useful information, thanks a lot.
    I thing there should be more informative threads like this one.
     
    kashifrasool, Sep 26, 2007 IP