Concept:Debit note is a document, not a payment instrument. Means of payment include debit cards, credit cards, and bank notes.Explanation:A debit note is used to record an amount owed by the buyer to the seller. It is not used to transfer funds or make payment. Debit cards, credit cards, and bank notes are all instruments that allow payment to be made. Therefore, debit note is not a means of payment.Answer: A. debit note