Aceptante

Aceptante is a term derived from the Spanish verb aceptar and is used in two main senses. In legal and financial contexts, it designates the person who signs a document to accept an obligation, most commonly in bills of exchange and promissory notes. The aceptante (acceptor) commits to paying the amount at maturity, making the instrument binding for the acceptor as the debtor. This role is distinct from the drawer, who creates the instrument, and the drawee or payee, who may be the party originally expected to pay or receive funds.

In a letra de cambio (bill of exchange), the aceptante is the party that formally accepts the obligation to pay when the bill comes due. Acceptance creates a negotiable instrument with enforceable liability, and the acceptor’s signature is typically required to validate the document. If the aceptante fails to honor the payment, the holder may pursue legal remedies against the acceptor.

Beyond finance, aceptante can function as a general noun or adjective meaning “one who accepts” or “accepting.” In everyday usage, it may refer to a person who accepts an invitation, offer, or proposal, though in common speech more direct phrases such as “la persona que acepta” are often used.

Etymologically, aceptante comes from aceptar with the agentive suffix -ante, forming a designation for the doer of the action. The term may appear in various Spanish-speaking jurisdictions with minor procedural differences in how acceptance affects liability and rights.