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The development of current trading is not only use the cash as a payment instrument for a transaction. For example is the emergence of non-cash payments such as negotiable instruments. That type of instrument offers a more effective and safer way than using the cash. Along with the development of the technology, a non-cash payment innovation emerged, which characteristics, at a glance, similar to negotiable instruments, such as credit cards, debet cards, and electronic money products whichdoi:10.25041/fiatjustisia.v11no4.1110 fatcat:mqwwdjtg5be7tfxxkrngxnvxxq