Introduction:
When Mr.X draws a bill on Mr.Y for Rs.3000, he endorses it to Z. Now the question arises as to whom Mr.Y will pay the amount of the bill.

Explanation:
To understand the payment process, we need to understand the concept of endorsement. Endorsement is a process where the holder of a bill transfers its ownership to a third party. In this case, Mr.X has endorsed the bill to Z, which means that Z is now the holder of the bill and has the right to receive the payment.

Now, when Mr.Y receives the bill, he will check the endorsement and see that the bill has been endorsed to Z. Therefore, he will have to make the payment to Z and not to Mr.X. This is because Z is the rightful holder of the bill and has the legal right to receive the payment.

Conclusion:
In conclusion, when Mr.X draws a bill on Mr.Y and endorses it to Z, Mr.Y will have to make the payment to Z and not to Mr.X. This is because Z is now the rightful holder of the bill and has the legal right to receive the payment.