(8) Makseinstrument on makseteenuse pakkuja ja tema kliendi vahel kokkulepitud isikustatud vahend või toimingute kogum, mida makseteenuse pakkuja klient kasutab maksejuhise algatamiseks., (8) A payment instrument is any personalised means or set of procedures agreed on between the payment service provider and its client which are used by the client of the payment service provider for the initiation of a payment order., defineeritakse kõikide Eesti õigusaktide ulatuses, defined within the scope of all Estonian legal instruments