Payment-terms
If you are looking for secure and flexible financial solutions for your jewelry business,
this page covers our B2B payment methods, deposit structures, compliance protocols, and safety guarantees for OEM/ODM projects.
Table of Contents
Payment Methods & Accounts
1. What payment methods do you accept for B2B fashion jewelry orders?
Note: Third-party payments are not accepted due to international trade compliance and AML requirements.
We provide flexible payment solutions suitable for bulk fashion jewelry orders, sample orders, and OEM/ODM projects:
| Payment Method | Applicable Scenarios | Amount Recommendation |
|---|---|---|
|
T/T (Telegraphic Transfer) |
All orders, including bulk shipments |
No strict limit |
|
Sample orders or small trial orders |
Under $800 |
|
|
Credit Card |
Small orders or urgent prototyping |
Under $1,000 |
|
Urgent small orders or samples |
Under $1,000 |
|
|
Small or sample orders |
No strict limit |
|
|
Small or sample orders |
No strict limit |
|
|
L/C (Letter of Credit) |
Large orders, first-time cooperation |
From USD 30,000+ |
Note：
- Third-party payments are not accepted due to international trade compliance and AML requirements.
- All receiving account information is sent exclusively via official company email as a secured PDF attachment. We do not authorize the collection of payments through any other channels..
- For small orders, a handling fee of $15 – $50 may be added to the final balance to cover high intermediary bank charges.
2. Which account can clients choose for payment?
We maintain multiple bank accounts worldwide, allowing you to choose the most suitable option:
| Account Location | Target Region | Supported Currencies |
|---|---|---|
|
US Company Account |
Worldwide |
Full Currency Support |
|
Hong Kong Account |
Worldwide |
Full Currency Support |
|
China Company Account |
Worldwide |
Full Currency Support |
3. What is payment terms for first-time?
- Standard: 30% deposit + 70% balance before shipment
- High-value orders (USD 5,000+): We offer a 3-stage payment plan:30% deposit to start, 30% after mid-production inspection, and 40% balance before shipment.
- Sample orders: 100% prepayment for the sample fee and the mold fee.
Note：
- Third-party payments are not accepted due to international trade compliance and AML requirements.
- For certain high-cost or special items, the standard 30% deposit + 70% balance does not apply. Full prepayment is required:
- Extra-thick(1μm-3μm)plating: Increased plating cost; prepay before plating.
- Precious gemstones: Rare/high-value stones; full cost prepaid.
- 925 silver or other precious metals: Full material cost prepaid before production.
- Supplier payment assistance: If we pay your supplier, a handling/service fee applies.
4. Flexible terms for long-term partners
Note: Third-party payments are not accepted due to international trade compliance and AML requirements.
For repeat B2B clients, we offer:
| Payment Method | Conditions | Notes |
|---|---|---|
|
O/A (Open Account) |
≥1 year cooperation, no overdue |
30/ days after B/L date |
|
L/C at sight |
First-time or large orders |
Bank credit guarantee |
|
Usance L/C / Revolving L/C |
Long-term cooperation |
Supports continuous bulk fashion jewelry shipments |
5. Payment for sample orders
Note: Third-party payments are not accepted due to international trade compliance and AML requirements.
- Full prepayment for the sample fee and Mold Fee via Alipay, WeChat Pay, PayPal, or Credit Card.
- Sample cost is usually non-refundable, and may be deducted from the bulk order if agreed
Process & Timeline
1. Payment confirmation & required documents
Note: Third-party payments are not accepted due to international trade compliance and AML requirements.
Please send the bank slip or payment screenshot by email only to our sales team.
We will confirm receipt by email within 1–2 business days.
Required details: payer name, amount, date, beneficiary, and bank reference.
Security & Risk Control
1.How do we ensure payment security?
Note: Third-party payments are not accepted due to international trade compliance and AML requirements.
To protect your transactions, we follow a strict security protocol:
- Small-Scale Testing: For your peace of mind, we recommend conducting a small-amount test transfer before processing any large-scale payments.
- Official Communication: All payment details are sent exclusively in PDF format via our official corporate email. We do not provide account information through any other channels.
- Verified Accounts Only: Payments via PayPal, WeChat Pay, or Alipay must originate from your registered company or authorized internal accounts. Third-party payments are strictly prohibited to ensure trade compliance.
- Email Confirmation: You will receive a formal payment confirmation email from us once the funds are successfully received.
Special Circumstances
1. What is your policy for order changes or cancellations during production?
| Scenario | Action & Cost |
|---|---|
|
Customer Cancels mid-way |
Pay by progress. We charge for all completed stages; balance is refunded or billed. |
|
Customer-side Changes |
Customer pays. Client covers all labor loss and additional production costs. |
|
Factory-side Changes |
Factory pays. We bear all labor loss and related adjustment costs. |
|
Factory Cancels mid-way |
Full Refund. 100% of all payments (including mold fees) will be returned. |
2.Overdue balance payment
| Overdue Period | Action Taken | Status & Consequences |
|---|---|---|
|
1–7 Days |
Payment Reminder |
Goods are held in our warehouse. |
|
8–15 Days |
Formal Notice |
Shipment is strictly withheld; order processing paused. |
|
30+ Days |
Order Cancellation |
Deposit becomes non-refundable. The factory reserves the right to dispose of goods and claim further liability. |
3. Can urgent orders be shipped before payment?
Note: Third-party payments are not accepted due to international trade compliance and AML requirements.
For urgent cases requiring shipment before payment:
| Condition | Description |
|---|---|
|
Client Qualification |
Minimum 1 year cooperation; no overdue record |
|
Order Amount |
Generally not exceeding USD 5,000 |
|
Written Commitment |
Signed deferred payment agreement required |
|
Approval Process |
Subject to senior management approval |
4. What is the refund policy and ratio if I need to return goods after receipt?
For the detailed Return & Refund Process, please refer to:
Below is the Refund Ratio Reference, applicable to all custom fashion jewelry OEM/ODM orders:
| Scenario | Refund Ratio |
|---|---|
|
Our responsibility (quality issue) |
100% of payment + return shipping cost |
|
Our responsibility (wrong shipment) |
100% of payment + return/replacement shipping |
|
Client reason (no longer needed) |
Non-refundable |
|
Transport issue |
Refunds are determined by the agreed Trade Terms (Incoterms). |
Important Notes:
- Refunds are processed only after responsibility is clearly determined.
- Approved refunds are returned to the original payment account unless otherwise agreed in writing.
5. Do you accept third-party payments?
Third-party payments are NOT accepted.
To comply with international trade compliance and anti-money laundering (AML) regulations, the entity placing the order must be the same entity making the payment.
Payment Principle: The entity placing the order must be the same as the entity making the payment.
If a third-party payment arrangement is used and we do not receive the payment, all related risks and liabilities shall be borne solely by you. We shall not be held responsible for any loss, dispute, or compensation arising from such circumstances.
| Scenario | Accepted | Notes |
|---|---|---|
|
Company A orders, Company A pays |
✅ Yes |
Compliant |
|
Company A orders, Company B pays |
❌ No |
Violates compliance |
|
Individual orders, individual pays |
✅ Yes |
Compliant |
|
Individual orders, company pays |
❌ No |
Violates compliance |
|
Parent company orders, subsidiary pays |
⚠️ Subject to approval |
Requires compliance review |
Why third-party payments are not accepted:
- AML and CFT compliance requirements
- Strict bank scrutiny on cross-border transfers
- Ensures transaction traceability
- Maintains consistency among the invoice, contract, and payment entity
Special Circumstances:
If payment must be made by a related company due to internal financial arrangements, provide:
- Proof of relationship (business license, shareholding structure)
- Authorization letter (with official seals)
- Explanation letter
Compliance review takes approximately 3–5 business days before approval.
Need tailored payment solutions for your B2B fashion jewelry OEM/ODM orders?
Contact us today to start your project with confidence, streamline payments for bulk fashion jewelry, and ensure secure, flexible financial terms for your production.
