when an order paper is endorsed it becomes a bearer instrument for example when you receive a payment by check and endorse that check your check which was an order paper prior to endorsement becomes a bearer instrument once endorsed anyone who bears or possesses your check can cash it even if they re not the person named on the payee line it s for this reason that consumers are advised to avoid endorsing checks until they are depositing them 
however a payee can avoid turning an order paper into a bearer instrument after endorsing it the payee can use a special endorsement which involves signing the instrument over to another payee to do this with a check for example the payee can write the words pay to the order of named person or entity in the endorsement space on the back of the check and then sign it payees can also use a restrictive endorsement to ensure that an endorsed instrument is deposited into a specific account for example 