SourcingCraft Insights · Q&A · 2026-10-08
China Supplier Payment FAQ: Deposits, Transfers and Account Checks
Payment is the step where buyers usually have the most questions when sourcing from China. This FAQ answers the practical ones: how deposits work, how to transfer money, how to check the account you are paying, and when to release the balance.
Do I have to pay a deposit before production?
Many Chinese suppliers ask for a deposit before they start producing your order, because it covers raw materials and production planning. The exact percentage varies by product, supplier and order size — it can be lower for standard products and higher for custom-made items. A practical approach is to agree the terms in writing before any payment and to treat the deposit amount as part of the negotiation.
What are the common payment methods?
Bank transfer, often called T/T, is widely used for international orders from China. Some suppliers also accept card or online payments for smaller amounts. Whatever method you choose, confirm the full bank details in writing and make sure they match the supplier's official documents before you send money.
How can I check the account before paying?
Start by checking that the beneficiary name matches the supplier's business name and the contract. Ask for supporting documents such as a business licence or bank confirmation if you are unsure. Compare the payment details against the invoice line by line. These checks take little time and reduce the risk of paying a wrong account.
Should I pay the full amount upfront?
Paying everything before production leaves you with little leverage if issues appear later. A common structure is a deposit before production, then the balance after inspection or before shipment. This keeps both sides accountable and lets you review the goods at a defined checkpoint. The exact split depends on the contract you agree with the supplier.
What if the supplier asks for a different account at the last minute?
Changes to bank details deserve extra attention. Contact the supplier through the channels you normally use — not just the details in a new email — and confirm the change before you transfer. Requests to switch to a different account are a common red flag in payment fraud, so treat them with caution and verification.
When should the final payment be released?
Many buyers release the balance after a pre-shipment inspection or once the goods are ready and checked. If you want to use an inspection report or photos as a checkpoint, make that part of the agreement in advance. The right timing depends on your contract, your product and your comfort level.
Payment questions are normal, and clear terms protect both sides. SourcingCraft can help with supplier verification, inspections and documentation so you can pay with more confidence. Visit sourcingcraft.com to discuss your order.