The issuance and acceptance process of commercial acceptance bills is relatively flexible, and the drawer can play different roles. First of all, the drawer can be the payer, and the non-payee signs and promises to pay. At this time, the drawer directly confirms the payment responsibility. Secondly, the drawer can also be a non-payee, handing the bill to a third party for acceptance, and he is neither the payee nor the payee. There are also situations where the payee issues a bill and the payer accepts it. In this case, the drawer is naturally the payee and expects payment.

The acceptance process of commercial bills is very important. The payee must expressly agree to pay on the bill and bear the obligation to pay the bill unconditionally when due. Bills of exchange can be discounted or transferred, which helps in capital turnover. For example, in a transaction, the seller claims payment from the buyer by issuing a bill of exchange, and the depositor needs to indicate "acceptance" on the bill.

Payment of the money order should be completed before expiration, otherwise the bank will deduct the money from the paying unit's account to the payee. If the account has insufficient funds, the bank will return the money order, and the parties to the transaction will resolve the matter themselves and make payment. People are fined. In addition, the conditions for applying for commercial acceptance bill discount include corporate legal person status, real transaction relationship, legal commodity transaction contract and value-added tax invoice, etc.

In general, the issuance of commercial acceptance bills is not limited to the payee. Payers or non-payees can participate in different ways, but they must follow relevant regulations and processes to ensure that the transaction of legality.