olemus
väike makse enda maksekohustuse tunnustusena

Merriam-Webster:
a very small payment made upon a debt and intended by the payer merely to acknowledge the existence of the obligation

ülevaateid
https://www.advicescotland.com/what-are-token-payments/

https://www.stepchange.org/how-we-help/token-payment-plan.aspx