Which of the following means of payment requires acceptance by the debtor to make it valuable?

Out of the given options, the means of payment that requires acceptance by the debtor to make it valuable is a Bill of exchange. A Bill of exchange is a written document that orders the debtor (the person who owes money) to pay a certain amount of money to the creditor (the person who is owed money). The Bill of exchange must be accepted by the debtor, which means they agree to pay the amount owed by signing and dating the document. Once accepted, the Bill of exchange becomes a legal and valuable instrument that can be traded or sold to others. The other means of payment listed do not require acceptance by the debtor to make them valuable. - A bearer's cheque is a cheque that can be cashed by anyone who possesses it, without the need for the payee (the person who wrote the cheque) to endorse it or for the bank to verify the identity of the bearer. - A postal order is a form of payment that is prepaid and guaranteed by the postal service, which means the payee can cash it without worrying about whether the payer has enough funds in their account. - A promissory note is a written promise by one party (the issuer) to pay a certain amount of money to another party (the payee) at a specified time in the future. The note is a valuable instrument in itself, and does not require the acceptance of the debtor.