我通常在发票上写的是：
USD SIXTEEN THOUSAND EIGHTY-SEVEN AND 18/100 ONLY
我不知道其他人是怎么理解的,总之我认为"AND"应该是放在最后一个短语中,比如123,456.78换成大写就是ONE HUNDRED TWENTY-THREE THOUSAND FOUR HUNDRED FIFTY-SIX AND 78/100 或者在读法里为：ONE HUNDRED TWENTY-THREE THOUSAND FOUR HUNDRED FIFTY-SIX POINT SEVEN EIGHT
希望对你有所帮助!