付款人是票据上载明的、承担付款责任的人，汇票上的付款人、本票的出票人和支票的付款银行为票据付款人。
Payer is the person whose name is on the instrument, and should bear the obligation of payment, payer of the draft, remitter of note and bank for payment of the check are the payer.
但是贴现率取决于票据的期限、金额、付款人和开票人的声誉。
The discount rate depends on the terms of the bill, the amount, the reputation of the drawee and the reputation of the drawer.
由善意的付款人还是善意的持票人承担较为合理，两大票据法系规定不一。
As to the good faith payer and holder, of whom is the more reasonable undertaker, the two systems of bill laws make different provisions.
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