The documents that are used in commercial and financial transactions to secure payment of money are:

A. ATM Cards
B. Bills of Lading
C. Payment Vouchers
D. Negotiable Instruments
E. Credit Cards

D. Negotiable Instruments

Explanation:
Negotiable instruments such as checks, promissory notes, and bills of exchange are widely used in commercial transactions to secure payments. These instruments provide a legally recognized method for transferring money.