外贸常用支付术语英文(持续更新)

发布网友 发布时间：2024-09-05 10:11

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热心网友 时间：2024-09-09 23:22

As a seasoned外贸专家 with over five years of experience managing 60+ thriving stores, I've navigated a vast array of payment terminologies and practices. Let's delve into some of the most commonly used terms in international trade:

Payment Methods:

Bank Transfer (T/T): Direct fund transfer from buyer's account to seller's.
Letter of Credit (L/C): A financial instrument issued by a bank guaranteeing payment to the seller.
Bills of Exchange: Drafts for payment, including Bank Draft and Commercial Paper.
PayPal, Alipay, WeChat Pay, Apple Pay, Google Wallet: Digital payment platforms for seamless transactions.
Cash, Credit Card, Debit Card, Prepaid/Charge Cards: Traditional and prepaid payment options.
Escrow Service: A trust account that holds funds until goods are received and verified.
Trade Assurance: A guarantee provided by platforms like Alibaba to protect transactions.
Western Union, Bitcoin, Ethereum: Digital currencies for cross-border payments.

Taxation:

VAT (Value Added Tax): levied on goods and services.
Excise Tax, Sales Tax: Additional taxes on specific transactions.

Currency and Finance:

Currency Exchange: Converting one currency to another.
Invoice, Proforma Invoice, Bill of Lading (B/L), COO (Certificate of Origin): Key financial and shipping documents.
FOB, CIF, EXW, DDP: Trade terms defining responsibility for costs and risks.
SGS Inspection: Quality control and inspection services.

Payment Conditions:

Net 30, 60, 90-day Payment Terms: Standard payment schedules.
Advance Payment: Prepaid portion of the total cost.
POD (Pay on Delivery), COD (Cash on Delivery): Payment options at the time of delivery.
Installment Payments, LOU (Letter of Undertaking):分期付款和承诺书.

International Guidelines:

UCP 600: International standard for interpreting L/C transactions.
ISP, URC 522: Additional rules for standby credit facilities.
URDG: Uniform Rules on Demand Guarantees for Bankers' Undertakings.

Payment Management:

Export Credit Insurance: Protection against non-payment risks.
Credit Limit: Maximum borrowing capacity for clients.
Due Diligence: Thorough evaluation of counterparties.
KYC (Know Your Customer): Compliance with customer identification requirements.

Electronic Commerce:

Online Payments: Digital transactions through platforms.
Payment Gateway, E-wallet: Facilitating secure payments online.

Compliance:

Compliance Fees: Charges related to regulatory compliance.
Inspection, Handling Fees: Charges for document and product checks.

In conclusion, a well-rounded understanding of these payment terms and procedures is crucial for seamless international trade. From traditional methods to the rise of digital transactions, staying informed about the latest international standards and regulations ensures a smoother financial flow in global business.