payment tool的用法和樣例：
例句
- An LIC is a tool or instrument of payment, and the payment is guaranteed by a bank.
信用證是一種支付工具，付款由銀行擔保。 - Members examined the question of whether some form of backing requirement should be introduced for electronic payment instruments that were close substitutes for cash.
委員會成員考慮了應否規定這些近似現金的電子支付工具需要某種形式的支持這個問題。
