The standard arrangement is 30% deposit on order and 70% against the bill of lading copy. The deposit funds materials and the balance is released when the goods are on the water. Every alternative moves risk from one side to the other.
| Terms | Who carries the risk | Reality |
|---|
| 30 / 70 T/T | Shared | The default. Cheapest, no bank fees on the supplier side. |
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| Letter of credit | Bank, once documents comply | Adds 1–2% in fees and 1–2 weeks. Worth it above roughly USD 50,000. |
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| Escrow / Trade Assurance | Platform holds the funds | Costs a fee, resolves disputes with platform arbitration. |
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| 100% on delivery | Supplier | Rarely accepted for a first order at any volume. |
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Never pay a deposit to a personal account. A company account whose name matches the contract is the single most effective fraud control in an import transaction, and it costs nothing to check.