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what is a promissory note a promissory note is a written promise to pay a certain sum of money at a future time unconditionally an unconditional written promise signed by the maker to pay absolutely and at all events of some certain in money either to the bearer or to a person therein designated or his order a promissory note differs from a mere acknowledgement of debt without any promise to pay as when the debtor gives his creditor an iou in its form it usually contains a promise to pay at a time therein expressed a sum of money to a certain person therein named or to his order for value received it is dated and signed by the maker it is never under seal even when made by a corporation no particular form of words is necessary but there must be an intention to make a note he who makes this promise is called the maker and he to whom it is made is the payee a writing in the form of a note payable to the makers order becomes a note of endorsement although a promissory note in its origina