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| English | Macedonian |
| payment instrument | инструмент за плаќање (The actual physical or virtual object that facilitates a purchase or transaction, such as a physical credit card, financial services account, or payment escrow service account) |
| payment instrument challenge | Предизвик за инструментот за плаќање (A fraud prevention mechanism that attempts to verify that an individual using a payment instrument is authorized to use or is the owner of that instrument) |