There is one further thing to notice about this mapping. Since the subclasses are each mapped in their own <class> element (and since Payment is just an interface), each of the subclasses could easily be part of another inheritance hierarchy! (And you can still use polymorphic queries against the Payment interface.)

<class name="CreditCardPayment" table="CREDIT_PAYMENT">
    <id name="id" type="long" column="CREDIT_PAYMENT_ID">
        <generator class="native"/>
    </id>
    <discriminator column="CREDIT_CARD" type="string"/>
    <property name="amount" column="CREDIT_AMOUNT"/>
    ...
    <subclass name="MasterCardPayment" discriminator-value="MDC"/>
    <subclass name="VisaPayment" discriminator-value="VISA"/>
</class>

<class name="NonelectronicTransaction" table="NONELECTRONIC_TXN">
    <id name="id" type="long" column="TXN_ID">
        <generator class="native"/>
    </id>
    ...
    <joined-subclass name="CashPayment" table="CASH_PAYMENT">
        <key column="PAYMENT_ID"/>
        <property name="amount" column="CASH_AMOUNT"/>
        ...
    </joined-subclass>
    <joined-subclass name="ChequePayment" table="CHEQUE_PAYMENT">
        <key column="PAYMENT_ID"/>
        <property name="amount" column="CHEQUE_AMOUNT"/>
        ...
    </joined-subclass>
</class>

Once again, we don't mention Payment explicitly. If we execute a query against the Payment interface - for example, from Payment - Hibernate automatically returns instances of CreditCardPayment (and its subclasses, since they also implement Payment), CashPayment and ChequePayment but not instances of NonelectronicTransaction.